vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I took out a loan with XXXX XXXX in 2008 for a school named XXXX. The school went bankrupt and I was never able to use what I learned. Navient took over my loan, I have been paying on this loan for 11 years and nothing has gone down. This year alone I was sending them XXXX a month and they were just adding it all to interest, nothing went to principal. When I asked for the paperwork explaining why, they never send it to me, my loan went from XXXX to XXXX and it doesn't go down. When I called them about he school going out of business they asked me for all the paperwork to see if they could lower the student loan or help me. I sent the paperwork in three times, no ne seems to find it or know what is going on. I want to know why is it that if I pay extra they applied it to interest instead of principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
XXXX  is reporting an Ocwen Mortgage # XXXX on our credit reports that one was closed and paid in XX/XX/XXXX and two, is reporting twice on our credit reports! This duplicate reporting is also  showing we were 60 days late within the past 12 months ( XX/XX/XXXX )! Again, we sold this home and paid off this mortgage in XX/XX/XXXX! This is now keeping us from using our VA benefits and purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have paid off XXXX  XXXX XXXX  thur a collection company. I had a XXXX balance and now im showing a balance of XXXX on a credit card with XXXX limit. does not make sense. XXXX  XXXX is a rip off.

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 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have paid off XXXX XXXX XXXX thur a collection company. I had a XXXX balance and now im showing a balance of XXXX on a credit card with XXXX limit. does not make sense. XXXX  XXXX is a rip off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have paid off XXXX XXXX XXXX thur a collection company. I had a XXXX balance and now im showing a balance of XXXX on a credit card with XXXX limit. does not make sense. XXXX  XXXX is a rip off.

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 non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Previous to getting a credit card with Citi Bank, researched best APR. 
Applied online and was approved. 
Later found out that 24 month 0 % APR was not given at application. 
Called Citi Bank when noticed APR being charged. Customer service referred me to look at my user agreement mailed with the card. 
If I wasn't eligible for 0 % APR for 24 months then I should have been told. 

Citi Bank Credit cards

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 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My mortgage with Ditech was paid off on XX/XX/2019. I have been trying unsuccessfully to recover my escrow refund of {$3000.00} since that time. I have called repeatedly once I did not receive that refund within 30 days. They said they issued by check but they did not. It was never received. I was told on XX/XX/XXXX that the check was cancelled and the payment would be automatically deposited into my bank account and that I would receive no later than 7-10 business days. I still have not received it as of today, XX/XX/2019. I called Ditech once again and told it would be issued today and I would receive in 3-5 business days. I no longer believe anything this company tells me as the story keeps changing. What  do I need to do to recover this money? I am at a loss. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
At the end of XXXX beginning XXXX, I noticed there was a $ XXXX monthly maintenance fee on my account that wasnt there before. I contacted Bank of America about this ( cant recall exactly the month but pretty sure it was XXXX ). They told me ebanking accounts had been removed and now fees had become applicable. I contacted them again this year because I figured grandfather clause applied here. Still, nothing was change and I was told I would just have to deal with it. It wasnt until I talked to my father about it when he told me as a student, I shouldnt have been paying for it either since the student discount was on my bank account. With that information, I called Bank of America XX/XX/XXXX and they admitted to be at fault after lookin through my account. They agreed to refund me up to a year and refused to give me the rest. I told them that I had been trying to solve this problem and they said it didnt matter, its only up to a year

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 2019-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
On XX/XX/2019, I notified Chrysler Capital in XXXX XXXX, TX, that since my loan through them had been refinanced, I wanted reimbursement for the balance of the gap insurance and other add-on services I opted for at the time of purchase. They responded : " If you purchased credit insurance or any other ancillary product ( i.e. GAP ) in connection with the purchase of your vehicle, you may be entitled to a refund of unearned premiums. Please contact the original seller for details about recovering unearned premiums for credit insurance or any other ancillary product. I then wrote to the XXXX XXXX dealership, and they eventually refunded the add-on reimbursements, but said that Chrysler Capital would refund the gap insurance. After waiting for some time, I wrote to Chrysler again on XX/XX/XXXX, and asked them to refund it ASAP. I have received no response from them, and no reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX out of XXXX, CA stated that I owed {$730.00} from a overdrawn XX/XX/2009 Wells Fargo checking account. Claimed they were going to file a civil lawsuit but refuse to provide any documentation or verifying information. Would only provide method to repay. Was rude, condenscending and dismissive. They originally contacted my son on his cell phone and left message which he forwarded 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 explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I am currently making payments to fedloans and am part of the public service loan forgiveness program. I began making qualifying payments XX/XX/XXXX and have submitted recertification forms yearly. In XX/XX/XXXX the number of qualifying payments to one of my loans dropped from 33 to 27. I called fedloans and requested a recount. I was told it would take 3 months. I have called every 3 months since that time and have not been given any information as to why several of my payments are no longer being counted or when the recount will be done. It has now been 17 months and the counts are still incorrect and new payments have been counted since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments
State: TN

Complaint narrative:
Got a call for a student loan forgiveness program. I had to pay {$800.00} to get it forgiven and just pay XXXX a month and they'd get my loan down to about XXXX  XXXX. Once I paid the {$800.00} never heard from anyone nor can I get a hold of anyone. HUGE SCAM

Company response to consumer: Untimely response
Consumer complaint received 2019-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
The company I am filing a complaint against is PayPal , Inc . 

Around the end of XX/XX/2019, I made a change of my personal bank accounts from one banking institution to a new, different banking institution. When this change took place, I logged into my PayPal account and made the updates accordingly. 
I made my NEW account my preferred account for paying for transactions and attempted to remove the old account I no longer wished to use. I was unable to remove it from my account page, so I placed a call and spoke to a PayPal representative. They informed me at that time that the old account could not be removed for 60 days, since a transaction had recently been applied to that OLD account. I understood and thought that was a fair process at the time. 

I asked the PayPal rep at that time if my new account was indeed the preferred account going forward and that the old account would not be used for any further transactions. The rep assured me that the NEW account would be the main account and used moving forward. 

Since that time, PayPal has continued to place charges against the OLD account repeatedly. I have placed several phone calls to have this corrected and for over two months now, I have not received any sort of resolution whatsoever from PayPal. They have caused me to incur several hundred dollars in fees from my OLD banking institution. In continually placing charges against the OLD account, I am not able to close that account with my institution which has caused me great frustration. 

Furthermore, PayPal has been removed as a method of payment from ALL previous merchants. Yet, they are still trying to place charges against my old account. This most recently happened today ( XX/XX/2019 ) with a XXXX XXXX  product. I spoke with XXXX this morning and they were surprised that PayPal attempted a charge for this product, for two reasons : They are not listed at all on my XXXX XXXX  account as a method of payment ( They confirmed my VISA # on file that is set to be charged ) and secondly the charge should not have been applied until after XXXX XXXX this evening. 

I believe these practices by PayPal are fraudulent and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank continues to call me at work despite being asked not to contact me. Synchrony Bank has reported inaccurate information to the credit bureaus. Specifically, Sychrony bank is reporting late payments. I had a special payment arrangement in place with a set amount.

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 2019-12-04 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My Bank Of America credit card was skimmed at a XXXX XXXX on XXXX XXXX. The thieves quickly to exploited the information obtained. They were quite sophisticated, because they had blank BOA chip equipped credit card stock ; and knowledgeable as well, calling BOA to reactivate the card after it was declined. Twice declined at ATM 's. Also declined, if memory serves, at local businesses. I found out the full extent of the fraud when I visited a local branch of BOA, at their insistence. Seems calling from my cell phone was not acceptable ( home renovation was underway at my place of residence and I was staying with family ). 

Despite these " card declined '' refusals, and the photographic evidence no doubt available to them through a courtesy call to the banks, they impugn my integrity by saying I must have made or allowed these charges to be made : " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' My card was in my wallet. None of that quotation is true. A ( counterfeit ) card was used. With my information encoded thereon. But not by me. Bank Of America never asked for a sample of my signature for comparison. I do not know why they have come to such an egregiously wrong determination, and slander. Could they at least run a trace on the phone number used to reactivate the card when it was declined? It's obvious that I only use the card for major purposes ( car repair, medical bills, XXXX XXXX  ) and that eateries, dollar stores and casual use ought to be proof enough of fraud. That, and all the other evidence mentioned above. 

The amount in question is {$160.00} Unsure as to their reckoning, fraud claims listed online are : XXXX XX/XX/XXXX, {$13.00} and {$34.00} ; XXXX XXXX XX/XX/XXXX {$19.00} ; XXXX XX/XX/XXXX XXXX ; XXXX XXXX  XX/XX/XXXX {$50.00} ; XXXX  XX/XX/XXXX {$9.00}. Gives me {$140.00} for a difference of {$13.00}. 
I don't understand why they think I am liable for the whole amount when the law limits my losses to {$50.00}. I don't understand why they think I should be victimized twice, by them and the thieves. In fact, Bank Of America itself alerted me by e-mail that my card had been comprimised.

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 2019-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One Bank did not notify me of a debt for which they assert is my responsibility. They did not give me an opportunity to dispute this debt before they filed a case in court. 

According to the Fair Debt Collection Practices Act, as amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), 809, under Validation of debts, states that notice of debt must be provided to the consumer before any collection efforts may begin. When the consumer receives this notice, he has the right to request proof of the debt before collection efforts may begin. 

The first notice I received from Capital One Bank was in the form of a summons to respond to a lawsuit filed in court for Capital One Bank, attached to my front door by tape. No letter, as required by statute 809, was sent to me before collection efforts had begun. 

After I responded to the court summons, I requested by discovery to Capital One Bank and their attorney, provide all relevant information they had to prove this debt was in fact, my responsibility. The attorney responded that providing the documents requested by the Defendant is unduly burdensome. This, despite the law requires Capital One Bank to notify me of the debt and prove it is my responsibility. 

I stated, in my response to the original summons, that I have a son by the same name, XXXX XXXX XXXX, who also resided in XXXX at the address listed on the statements provided by the Plaintiff. 

Capital One Bank listed ten items of evidence in their Initial Rule 121 Disclosure Statement, which they stated will be used at trial. Only two of these ten items were given to me, even after my request for discovery. Eleven of these documents in one category are completely illegible. The information provided by these two items do not prove the Defendant is the person named on this account. 

There is no direct link from these computer-generated statementsspecifically to me. There were two persons called XXXX XXXX XXXX who have used the address listed on these statements. These statements do not definitively prove whether the alleged account belongs to either the Defendant or his son, or some other person with a similar name. 

When asked Capital One Bank why they did not send me the notification of this sebt before they started a law suit, they did not answer. This is a violation of statute 809, according to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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 2019-12-04 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: NC

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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