vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
Today is XX/XX/XXXX. On XX/XX/XXXX I opened a checking account at Bank of Hawaii. On XX/XX/XXXX, I corrected the spelling of my name and gender to receive a new Debit card that was incorrect. On XX/XX/XXXX, I received a confirmation letter of address correction. 

My bank statements for social security deposit states, SSA TREAS XXXX. The ( XXXX ) area code XXXX XXXX California is not associated with my bank account and the posting of this credit to my account is fraudulent because the bank is in Hawaii and my deposits are not from California. 

Attached statements. 

My name is XXXX XXXX and this is my statement of intentional torts and organized crime associated with my income from USA Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Senex Services Corp.
State: OH

Complaint narrative:
Senex has 4 or 5 claims on my credit report for services due, but has never sent any letters or returned any of my emails. It was resolved in my bankruptcy or has been paid off and they are still on my report. They purposefully block outside emails!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received an email from chase bank in response for a new debit card. I called chase bank customer Sevice and advised them that I received such an email and chase bank ask me to go personally to the branch to report any fraud. On that same day I went to XXXX branch of chase and spoke to an employee named XXXX and he let me spoke to fraud Dept and just advise me to forward the email to XXXX and stated I dont have to do anything. 
On XX/XX/XXXX when I checked my balance my two accounts both checking and saving account was withdrawn in the amount of XXXX XXXX from checking and XXXX from savings Acct. I called chase bank as soon as I found out and filed a dispute about the incident. 
On XX/XX/XXXX I also went to XXXX chase branch to complain and informed them that there were two withdrawals and we found out that transactions were occurred at XXXX XXXX XXXX XXXX, XXXX, nj. On that day The funds were returned temporarily. 
On XX/XX/XXXX I received a letter from chase indicating that the funds thats were returned has been reversed and that chase bank claimed that the withdrawals were made with a chipped card and the return would not be honored. I called the claim dept about this matter but unfortunately they just told me that the card will be impossible to be tampered since its a chip to chip basis. 
On XX/XX/XXXX, I decided to go to the police station and report the incident because my Savings account turned all into negative. 
On XX/XX/XXXX, I recieved a final report from the assigned detective for my case and he exhibited a report based from the video surveillance as an evidence that it was not me who withdrawn the money. I sent The report to chase claim department on that same day but unfortunately the case was still denied and did not honor the report. At this time chase bank has been charging me of XXXX dollars fee for not maintaining the balance and on top of this my checking and savings account are currently negative. 
I am sending this letter to your office to let you know and asking for help since I am a victim of this criminal case and that chase bank has never honored all my evidence since I had received the email despite all the eveidence I had provided. I do believe that my case was not investigated in thouroughly and in a fair manner. Chase bank should have the reponsibility to protect Their consumers. I do believe this is negligence on the part of chase bank by giving my information to this thief without asking proper identification and without giving me proper notifications. 
I am asking for your assistance in this matter and I am hoping that I will have justice in this case. 
Thank you and have a blessed new year Sincerely yours XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  AND EQUIFAX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with XXXX  and EFX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by XXXX  AND EQUIFAX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXXwhom I  contacted they TOO stated in writing that they did NOT communicate with XXXX  or Equifax about my file , they also sent request but did NOT hear from them- see attached proof. so this validation by XXXX  AND EQUIFAX IS A LIE/ FRAUD 3 ) XXXX XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus XXXX AND EQUIFAX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am XXXX. My student loan was forgiven in XX/XX/2015, Since that time and earlier, I lived on {$750.00} per month social security and SSI XXXX per month. Nelnet is trying to collect my forgiven loan by stating it was re-instated. My income did not increase more than {$5.00} over the years. Every since my loan was forgiven scammers have tried to collect it from me and of course their interest is astronomical. I went to Nelnet 's website to complalin and they require a social security number. I am not giving my social security number to anyone. My doctor has filled out additional paperwork to prove I am XXXX no less than 3 times. I refuse to ask him to do so again because it does no good. How can a loan be forgiven, then out of the blue be reinstated? It was forgiven! I am still XXXX. No cure has been found! I have XXXX XXXX. 
Here are their addresses : 1. U.S. Department of Education Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX 2. XXXX XXXX XXXX TX XXXX XXXX and XXXX XXXXXXXX Then, XXXX XXXX XXXX All of this in one letter to me. I feel I am being harrassed for the 20th time from someone trying to get money out of me. That loan shows paid on my credit report and I don't want these people changing that. All these years I have lived on the little cash I had except for my car loan and I don't want them messing up my credit. Please help me. I do not want to make my doctor fill out paper work for this forgiven loan for the 4th time. The student loan webiste says 3rd party collection is not them. I refuse to give someone I do not know my social security number. I have been hacked more times than I can count. Can you please resolve this. There is no good reason my forgiveness should be changed. If forgiven, isn't it forgiven? Thank you so much for your time. I feel those of us XXXX are constantly being harassed for student loan money. Seems too that our forgiven loans keep getting sold to different scammer pennys on the dollar. When I was forgiven, I believed that to be true. It was at one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: MA

Complaint narrative:
Good Evening ; I was shocked when I reviewed my credit report and found late payment on the dates below : I make my payments on a monthly basis directly from my bank account. I'm confused how it showing late for the dates below .... 

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Transaction from XXXX on XX/XX/XXXX an online order for pickup was placed for {$170.00}, the item was for a car seat system. When I went to the store they tried to sell me a used item, I cancelled the order pick up and never received a return. Capital one stated XXXX said I made the online order and never sent them proof that I even picked up the order or returned the order. Capital one has refused to investiage any further and sided with XXXX. XXXX never gave me a return slip since I cancelled the pick up and I would receive an email. I do not have the car seat system and XXXX states the return was processed and capital one needs to return the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Sears has no proof what so ever I made a debit with them. If they investigated they can show me where I signed or authorized anything form them. I did not make this debit. They did not investigate anything. Several people have my SS number and have used it. Not me and one went to jail. 
XXXX 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 2019-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES
State: GA

Complaint narrative:
I have been awaiting a Lien Release from XXXX XXXX XXXX XXXX XXXX ever since the buyout from XXXX XXXX XXXX, XXXXsince XX/XX/XXXX2013 and would like to find out what I need to do to obtain this information. I have already contacted XXXX and they state it needs to come from XXXX XXXX XXXX XXXX XXXX 

I would like to have this matter solved soon. This has been an issue when one company sells out to another and does not take responsibility for the customers needs that should have been taken care of originally.

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 2019-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
I contacted XXXX XXXX today XX/XX/2019 in efforts to correct an issue with them adding negative remarks to my credit report in regards to my balance. i explained to the representative the issue who in turn was able to locate the origin of error. The representatives name was XXXX, Who gave ID XXXX. He was supposedly a supervisor. He was very rude and inefficient. Only after reminding him several times that He wasnt addressing my question did he actually begin to review the account in full to find the error. he said that my loans had been capitalized and this caused remarks of outstanding balance/increase to be listed. I inquired about what could be done next to correct the error and he essentially said that there was nothing I could do. When i explained that I wanted to speak to someone else he refused. he even said that he would not transfer me. I reminded him that this was not about him personally but my pursuit to get definite answers and solutions. XXXX continued to refuse to connect me with someone else. He even went as far as to say that he was the highest person the issue would go to and that there is no one else that could help me or resolve the error. I was angry and I did call him an XXXX. But only after respectfully requesting someone else while being overtalked and being told casually that what I was saying didnt matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: CA

Complaint narrative:
I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On XX/XX/XXXX I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last PaymentXX/XX/XXXX XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Opened Date XX/XX/XXXX, Highest Balance {$27000.00}. Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.

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 2019-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
My promotional purchase expired on XX/XX/18 after two years of purchase and my balance went more than double in just one billing cycle ( from XXXX to XXXX ). When I realised the promotional purchase expired I offered to pay off the ballance and remove the charge, but I was told that is not an option. The reason I was tols is that interest calculated back to the purchase date and can not be removed. Then I offered to pay only the remaining balance with interest, but that was also turned down. When I was trying to communicate this via email, my next billing came and I made my next payment on the due date after I received the last correspondence email. But, again I charged late fee and the reason was I did not pay by XXXX XXXX on the due date. I called customer service and tried to explain the situation and I could only get back half of the charge. I got upset on this and tried to write review on the internet and saw a lot of complain on XXXX XXXX and that is when I decided to submit this complaint. I have dealt with several credit card companies and they were somehow willing to help or make some deals, but none of that happen in XXXX XXXX. Their fees are so high and not willing to help their customers. With these much complaints from their customers I believe something has to be done to address their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On XX/XX/XXXX I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Opened Date XX/XX/XXXX, Highest Balance {$27000.00}. Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.

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 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
In XXXX of 2016, I moved out of an area that XXXX services. In XXXX, I received my final bill and I called in and made my last payment, I even asked the lady on the phone if that was it and she informed me that it was. Here we are, over 2 years later, and this company adds itself to my credit report without sending me ANY information. 

Very slimy actions, to be honest. 

Please send me verification of debt and remove yourself from my credit report before you're sued.

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 2019-01-03 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'm a XXXX XXXX XXXX, currently serving XXXX XXXX with the Superior Court in XXXX. I've been making student loan payments since XX/XX/XXXX, and hope to have my loans forgiven under PSLF sometime in XXXX. Two of  the payments I made in XXXX have not ( yet ) been applied toward my 120 payments needed for PSLF. 

I got a new IBR amount in XX/XX/XXXX, and made a payment for the IBR amount in XXXX and XXXX ( see attached bank statements showing I made on-time payments to XXXX XXXX XXXX in XXXX and XX/XX/XXXX ). I then realized that they had miscalculated my IBR payment ( if I recall, they had used the wrong family size in making my calculation ), and my payments were approximately $ 80/month too much. 

I contacted them about that. It took them several months and phone calls, but they eventually reimbursed me the {$160.00} they owed me for the over-payments I made in XXXX and XX/XX/XXXX. However, the way they did that was to reissue the bills and apply the money I had paid in XXXX and XXXX to these new bills. Because it then looked like I had made the payments after XXXX and XXXX, they retroactively applied a administrative forebearance for XXXX and XXXX ( they helpfully say they did this so I wouldn't be turned over to collections! ). Thus, they say I did not make PSLF qualifiying payments in XXXX and XX/XX/XXXX, even though I did make payments in those months ( and the amount was actually over what I truly owed ). 

Since then, I've called them multiple times about the fact that these two payments are not counting toward PSLF but should. I called them in XX/XX/XXXX, and they told me it would be " reviewed '' and I'd get an answer after 90 days. I then called in XXXX ( 90 days later ), and was told the review was still being processed, and that it was 90 business days, not 90 calendar days. Then I called in XXXX ( 90 business days ) and was told the review was still being processed, and there was no timeline at all for when I might get an answer. 

I believe I also called in the spring and early summer, but got no resolution. Then in XX/XX/XXXX, I called and the person I spoke to claimed she'd be able to fix it, but it of course has not been fixed. 

I've called again multiple times in the last couple of months, and was told that it is now in the Quality Assurance department, and they have no timeline for completing reviews, but it could take 3-4 months. I was told I can not speak directly to the Quality Assurance department, and can not be cc 'd on the email making the request.

This is all so that two payments that everyone agrees I made can count for PSLF. It's now been 20 months since I first made the payment in XX/XX/XXXX. I would appreciate any assistance your office could provide in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 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: TN

Complaint narrative:
I owe XXXX on XXXX XXXX/ XXXX the Exuifax shows 10 different accounts equal to XXXX i disputed but the Exuifax will not fix the issue many times i tried no luck i can provide further info about this, i tried to contact the XXXX they will not help The XXXX , XXXX XXXX   XXXX is closed ACCOUNTS but they refuse to update I WANT THIS UPDATED, AND I GOT A LAWYER INVOLVED AS WELL

Company response to consumer: Closed with explanation