vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
I have a private student loan with Sallie Mae and try and try to lower my payment, they say they understand but still tell me that they can not lower my payment to something I can afford and do not default on. I have told them that I have other student loan to pay and I am not refusing to pay I just want to get a handle of paying an amount that I can afford and they are not listening and trying to help me. Most of the month of XXXX, the amount vary it was XXXX and then XXXX and XXXX. They will only take initially card payment and I did that before and they told me they will only take 3 payment and then take my card of my account and that did not happen and I didn't authorize for them and they took it out anyway. I am trying to get a better job to pay off my student loan but with this pandemic it's hard and Sallie Mae is not making it easy for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I've reach out several times to dispute the inaccuracies of the XXXX account.Its a Charge off account and its is showing a balance. 
Its was cellphone account. Its showing a installment. 
XXXX XXXX stated it was sold to a collection agency but their still reporting it as their.It

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I've reach out several times to dispute the inaccuracies of the XXXX account.Its a Charge off account and its is showing a balance. 
Its was cellphone account. Its showing a installment. 
XXXX XXXX stated it was sold to a collection agency but their still reporting it as their.It

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX I purchased a flight on XXXX, XXXX to XXXX ( XXXX XXXX ), XXXX - XXXX  - XXXX {$200.00}, # XXXX, airline confirmation # XXXX I wrote letter in XXXX to Amex that flight cancelled by airline and XXXX responded that airline policy is to give partial refund {$5.00} and rest in voucher! Outrageous! 
I am senior and do not expect to plan this trip again XXXX hid behind statement saying that is airline policy I had a trip XXXX  to XXXX XXXX thru XXXX, as soon as flight was cancelled I received full credit refund in a month on my credit card I purchased a ticket thru a travel platform and should expect a chargeback for SERVICES NOT RENDERED thru this platform and XXXX should not hide behind a false excuse that airline dictates policy of refund Thus I ask American Express to process refund from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
In the middle of escrow to purchase an investment property and considering my real estate agent 's legal obligation to represent me and my loan officer 's ability to close the loan, I discovered loan officer had been manipulating numbers, providing false disclosures, and deleting / editing words and numbers before they got to me, I voiced my concern and he said he di n't want to be part of this. Agent calls me and telling me loan officer has the right to cancel everything without me being notified. Agent also tried to have me sign a Buyer / Seller Cancelation of Agreement twice for 2 unrelated reasons, he has tried to have me sign this so I can be the one breaking the contract which would release him and loan officer of any of their obligations to close escrow. I reached out to the lender Nations Direct Mortgage and they had their secretary tell me 8 times in 2 days : " l 'll let them know you called ) but have gotten no call back or response to any of my several emails. I have reached out to their company 's managers several times and they had decided to stay quiet. Today, I sent one 1 email to all managers from all parties involved in the agreement and reminded everyone our escrow close date is in 5 days, and per the agreement I have performed all my duties and that they were putting me in a position to not meet the guideline, I also proposed for them to give me a signed declaration they want out so i can proceed to find another lender and agent, loan officer 's said he is going to have his attorneys contact me and that he is canceling my loan which i also find in violation of Fair Lending Act and as an act of retaliation to divert responsibilty. Also, loan officer when i refinanced 2 properties last XXXXI told him before the closing date I did not want to sign 1 of them because it was {$1000.00} off, he said i will get refunded {$1000.00}. The refund came about 2 months later form his business checking account in a written check, I asked him about it and he said that is how it is done, but now that i am reading about this case, i found out this was extortion, I reached out to send his money back and no response. Also several concern on predatory lending patters like inadequate or false disclosures, bait and switch practices, inflated fees ( like telling me the only 1 loan option for me was one with a {$28000.00} total closing costs which included a {$13000.00} commission for loan officer on a {$460000.00} )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I have struggled with money as a single mother and I got caught up in payday loans and I did pay on them on time always until I lost my job back in XXXX. I have told them that, but I unfortunately did get XXXX  from the phone calls and not being able to pay or find a job due to pandemic. You can clearly see my history on all of them I was always on time, till XXXX. Now my credit is completely ruined, and I have told them to be patient till I found a job which I recently did. But they have called every single day. I want to get back on track but am behind so I would just like some guidance on how to get help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Previous - COMPLAINT ID XXXX, Regarding : XXXX XXXX Account Number : XXXX, SUBMITTED ON XXXXExperian response to the filed CFPB complaint, was to follow up with my complaint against XXXX XXXX, XXXX , and submit to me the results of it's investigation. Experian failed to formally investigate the XXXX XXXX account and provide results of the investigation, as requested. Experian continues to allow XXXX XXXX to furnish false, damaging content on my credit report. XXXX XXXX refuses to respond to my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My Venmo account got hold since 180 days ago, I had filed a complaint with CFPB and receive feedback from Venmo saying that the funds in my Venmo account it's holding for 180 days and to minimize the risk of loss due to chargebacks, disputes or reversals. and any remaining funds will be made available to me for withdrawal on or before XX/XX/2020. But I'm still unable to withdrawal on XX/XX/2020. So I had email Venmo again on my own, but they told me different things and say that Venmo will not be able to release those funds to me then I also had filed a complaint with CFPB again on XX/XX/2020 and I received feedback from Venmo and they told me the different thing saying that " we reviewed your Account again and determined our decision would not be changed. Between XX/XX/XXXX and XXXX, 2020, you received three payments, which resulted in a loss for Venmo in the total amount of {$2000.00}. Accordingly, the funds from your balance will be removed to cover the loss caused by these payments. As a result, we are declining your request to access your Account balance. '' again from the first time promised me I would able to withdrawal my money on XXXX XXXX I had attached a file about what escalations officers email me saying my funds will be available in XXXX under this email for the proof and an email from Venmo on XX/XX/2020, saying that Venmo will not be able to release those funds to me. I had attached all the documents and email I received from venmo please review it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called the Citi Prestige card number regarding unauthorized charge on XXXX from XXXX in the amount of {$17.00}, andXX/XX/XXXX from XXXX in the amount of {$7.00}. According to Citi, those charge originated from XXXX XXXX XXXX and XXXX XXXX XXXX respectively. 

After the automated system put me with their customer service, I informed them that I need to speak to the fraud department, and transferred me to another agent. I explained to the agent that there are 2 unauthorized charges on my balance. The agent asked is I ever gave them my credit card numbers, and I told her " no. '' She INSISTED that maybe I gave XXXX my credit card numbers, and AGAIN, I told her that I NEVER give XXXX my credit card numbers. She asked me if I'm sure that I have never gave XXXX my credit card numbers, because she claims that this came from one of my old credit card numbers. 

At that point, I requested to speak with her supervisor, and indicate to her that she is wasting my time and made another request to be transferred to her supervisor. She raised her voice at me, indicating that she is NOT wasting my time, and REFUSED to transfer me to her supervisor. I hang up the phone and call back. 

On my second call, I immediately requested to speak with a supervisor, but instead I was put on hold for 10 minutes and disconnected. 

I called back again, for the third time, and requested to speak to a supervisor. I was transferred to an agent who identify herself as XXXX, from department XXXX. I let her know about my issues with the previous 2 calls, and asked her to give me an explanation about those behavior. Instead, I was met with silence for a good 10 minutes and my line was cut. 

I called Citi the 4th time, and when someone picked up the phone, they immediately say that they are having system issues and quickly hang up the phone! 

I have been a using the Citi Prestige Card for approximately 5 years, and paid an annual fee of {$490.00}. I'm really disappointed, hurt, and angry because of the treatment from the customer service agents, especially when I'm calling about two fraud charges on my account. This is something that needs to be taken care of right away, instead the customer service agent violated my rights to dispute those fraud charges, doubt my judgement, and borderline made false accusation that I authorized these charges. 

I wish the initial phone call really just went smooth as any other fraud calls. I wish that they would put a fraud hold on my credit card, quickly overnight a new credit card to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Companies Involved : Date : XXXX - XXXX XXXX XXXX XXXX XXXX, BOFA, Foundation Escrow, Homeland Security, FBI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Had Bank  XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOFA. We were in a real estate transaction buying a home, XXXX XXXX was our agent. Foundation Escrow was the escrow involved.

Somebody got phished and the escrow company, Realtor ( XXXX XXXX ) Lender, and us the buyers were communicating with the hackers. Wire Instruction were emailed to us by the escrow company BUT they had actually been sent to us by the hackers. We sent {$480000.00} to Bank of America XXXX Escrow in XXXX, TX. later the same day approximately 4-hrs, it was discovered by us and escrow that we had been scammed. Immediately XXXX XXXX XXXX XXXX was notified *Origin of Transfer, FBI was notified, Bank of America was notified & XXXX XXXX Realtors, there was a KILL CHAIN and reverse put on the $ XXXX. Unfortunately, BOFA had already released {$280000.00} to a XXXX XXXX  and BOFA had the remaining under their control. We hired an attorney XXXX XXXX. Nobody would take responsibility and we had to start filing lawsuits against XXXX XXXX XXXX XXXX they threatened us or coursed our atty to accept {$5000.00}. settlement. BOFA demurred everything our attorney submitted then settled for {$3000.00} stating it was a nuisance settlement and they had no liability, Foundation Escrow paid $ XXXX and XXXX XXXX settled at $ XXXX - Our attorney fee 's were over $ XXXX. That was the legal outcome of the lawsuits. FBI never contacted us or would talk to our attorney. Homeland Security was able to get back $ XXXX and XXXX ( appropriate numbers ) BOFA returned the XXXX 90-days after the hack that happened on XXXX. We were in litigation for approximately 2-yrs There were people prosecuted because of our case but we never found out any type of details. We are still out {$58000.00} ( approximately ) How would we know if that money is recovered? What can a consumer do that trusted all the parties involved until the incident and everyone was pointing at the other. We don't trust any of them, is there anything we can do? How could we find out if our money was recovered and find out where it is ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone stole my information and opened 2 credit cards in my name. The address where the fraud took place is XXXX XXXX XXXX in XXXX Ca. I currently live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for almost 5 years. I tried to dispute the items with the collections department as well as the creditors with a police report number which I sent several times and they have not deleted the items. One item is XXXX XXXX   and the other is XXXX XXXX. Please help I will send paperwork thanks.

Company response to consumer: Closed with explanation