vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I ordered services from XXXX ( pickup of a package ). The XXXX website malfunctioned and charged me the same fee twice. Then XXXX came back and said there some " additional charges '' with no explanation and without my prior agreement. I disputed the charges with paypal. They stated that there was no unauthorized use because " it was consistent with paypal payment history ''. Seems like no one even looked at it and it's some kind of bot. 



got this email on XX/XX/18 from paypal : An update about your case We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 



Based on our review, we found this transaction is consistent with your PayPal payment history. 

For more information about these cases, log in to your PayPal account and go to the Resolution Center.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
My client applied for a loan with Amerisave Loan and was given the run around. The underwriter required a {$10.00} Reserve for a $ XXXX Loan and when I questioned the amount the Loan Originator could not provide an answer. They have asked for her personal bank login information to verify funds that she submitted several copies direct and then he stated that there printer made the error. The contract expires on XX/XX/XXXX and we are NO were near a loan approval based on the incompetency of this lending team. There appears to be a pattern of discrimination from this company! They want information that NO OTHER LENDER wants, and ask for information repeated that could be verified by the bank. The representative even stated documentation was altered and then said their printer was not working properly!

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 2018-04-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: AZ

Complaint narrative:
In XX/XX/XXXXand XX/XX/XXXX I took out two federal parent student loans for my son 's education. Each loan was about {$25000.00}. I began making payments immediately at the level Mohela suggested was a minimum payment. I did this for many years. I finally realized the payments were never enough to cover the interest of the loan. Mohela never told me that. When I contacted them, they said I could bring the loan into a re amortized type of situation and make a fixed payment for 15 years and pay the loan off. I recently fond out that none of my new payment was being applied to principal and in fact didn't even cover the interest. 

So now after over 10 years of payments, I owe more than the original loan amount. My payments began at the {$350.00} per month level and increaswed up to over {$550.00} per month but not one penny has been applied to principal. I was very much mislead by Mohela to my determent and their great financial advantage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I received a credit alert to my email address from XXXX. The email states that an inquiry was made by XXXX XXXX on XX/XX/18. I have not applied for any vehicle loans in over 4-5 yrs and certainly not XXXX nor have I given anyone any authority to apply on my behalf. I called the number listed as XXXX and was transferred from customer service then to service and repair then to first national card of Delaware fraud dept. Not one person was of any help. I dont know who initiated the attempt for credit and I need this hard inquiry deleted from all credit depositories. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
On XX/XX/XXXX I had XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX I made a payment to Navient in the amount of XXXX. I was on maternity leave with no pay after I gave birth so I used the remaining amount in my bank account to pay Navient. I called Navient that next week stating if I could lower my payments because I am not receiving any income do to XXXX XXXX. They stated that my co-signer should be the one assisting payments for me. I explained to the Navient representative that I do not live with my co-signer and I do not have any contact with them. They stated that there was nothing that they could do to lower my payments due to income but they can put my account in forbearance which the interest will still accrue on. I was not given any other options but to choose forbearance so XX/XX/XXXX, I paid the fee of XXXX to start the forbearance process which was 90 days. This past week of XX/XX/XXXX because of the delinquency email I have received that week. I called Navient again and stated that I could not pay the full amount that they were asking for and I requested to have my payments lowered. They said that I had 3 co signers on my account and asked that none of these people could not help me. I stated that there is only 1 co-signer on my Navient loan and no I could not. I have an infant child and little to no income. they asked my to verify how much money I am spending on what, once I verified this information. The representative stated that I would only have to pay XXXX monthly for 6 months, they I would need to reapply. I said that was okay and consented. the representative stated that this was not a forbearance so when I agree on the prompt it will say that but just agree. I agreed and the payment of XXXX was scheduled on XX/XX/XXXX. I had not received any notification that the payment was processed so I called Navient and state my concern they said the day off it may not show it takes 24 hours for the forbearance to show. I told her that the representative I set this up with stating that this is not a forbearance, the new representative stated that it is a forbearance program

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am a victim of identity theft. My apartment was broken into and several ID documents stolen. After the theft several accounts were opened in my name. I reviewed my chexsystems report and found the following account reported : XXXX XXXX XXXX / XXXX XXXX This account is not mine and I did not open it. 

I have attached a copy of the police 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 2018-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
XXXX County Tax collector returned my {$1600.00} to Sun Trust Bank in XXXX, FL on XX/XX/XXXX, electronically, to be returned for credit to my XXXX XXXX XXXX XXXX   account, by the same means they received it that same day. Sun Trust Bank sat on the funds for four days before sending it back to my account electronically on XX/XX/XXXX via XXXX. 
XXXX has not yet put the funds back into my XXXX XXXX XXXX XXXX account. 

( Due to my week long investigations, I have learned that XXXX XXXX XXXX uses their own software to send funds over XXXX. If this is true, Sun Trust may have used the regular XXXX  channel instead of the XXXX XXXX XXXX channel they received them on, and the funds are in limbo due to Sun Trust mishandling of them. )

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 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Person you dealt with : PNC XXXX XXXX Branch Office Rep Description of complaint : Went to branch office to make deposit on XX/XX/2018. Was asked how I liked PNC 's reward points program. I explained that I wasn't aware of the program. The representative began to explain the program and how it worked. I asked how many points did I have. He explained that he could not see that information on his screen. He proceeded to give me the phone number to the PNC department who could give my accumulated points total. I called several days later and was told about the program. I thought that was the end of it, until I received a notice from PNC bank declining approval of a credit card. I NEVER APPLIED FOR A CREDIT CARD. I immediately called the phone number listed on the form to ask for additional information. I told the story to the representative. I have since received a call and email from a PNC representative investigating the matter. This is of utmost concern to me, as I feel that I have been violated. Also, the inquiry made by PNC is noted on my credit report. I am actively seeking employment and background checks ( which include credit checks ) is part of the process. This unauthorized inquiry will have negative consequences due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I keep receiving phone calls and notices that I owe a debt from Phoenix Financial Services for the date of XX/XX/XXXX and XX/XX/XXXX for the amount of $ 900.00+.from a doctor at XXXX XXXX XXXX XXXX TX . I called the hospital who had no info, but said it would have come from XXXX XXXX, they gave me the number to call XXXX. I called and that number and spoke to someone there that said my balance was XXXX. That my insurance had paid and that I did not owe any money. My balance was XXXX. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX DOB XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have close to XXXX Amex points and they have frozen my account for well over 6 weeks saying that there is an internal review going on and they can't tell me when I will be able to use again. 

This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
You are in violation of the law, and putting me at risk. You should not have this on my report due to items/the information does not include nor does it provide complete details on me, the consumer, which would put me in further at risk of identity theft. In order to be on my credit report, it should provide all of the following : name, address, social security number and/or date of birth. They do not. Beginning in XX/XX/2017, XXXX, XXXX and TransUnion will no longer include records of tax liens if there are not at least three identifiers : name, address and either social security number or date of birth. My tax liens do not include all three or four identifiers, Therefore the state tax liens should be removed from my credit report immediately.

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 2018-04-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request ( notice their internal file number XXXX ). TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX   XXXX XXXXXX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX {$63.00} not mine XXXX  XXXX XXXX XXXX  {$150.00} not mine XXXX XXXX   XXXX ****XXXX {$170.00} not mine XXXX XXXX XXXX XXXX ****XXXX {$200.00} not mine XXXX 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 2018-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a notice from XXXX XXXX a month ago, stating my score had dropped. After checking this report, I noticed Capital One reported my account late. I entered into an agreement with a third party, consolidating all of my credit cards. Capital One signed on XX/XX/2017, with the new terms and monthly bill. After founding out this information, I called and spoke with Capital One, that said, they were behind on reporting and it would be experdiate and handled in a timely manner. As of today, nothing has been done and my report is still negative. I am working on my credit to buy a house, and this is hurting my chances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
Suntrust closed my bank account. I only found out after I tried to activate a debit card. I spoke with 3 representatives over the phone, and one via their chat option. I was simply told that the account was closed due to suspicion of fraud. 

I applied and opened the account on WednesdayXX/XX/XXXX at XXXX XXXX. 
I called 2 days later to confirm that by opening deposit had made it to the account, but was told not yet. 
I called again on Monday the XX/XX/XXXX and was told the funds did reach the account. 
I received the debit card in the mail on Tuesday the XX/XX/XXXX. 
When I called to activate the debit card, I was told the account was closed due to suspected fraud. 

At no time did anyone try to reach me via phone or email to warn me that the account was compromised or under review for suspicion of fraud. 

The account is closed and I do not have access to my money.

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 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, we deposited a check, written on Bank of America, from our insurer, for hurricane Irma damage. We were told, since this was a Bank of America check, that it would clear in 24 hours. So, we opened an account with Bank of America and deposited the check. We looked online and found a notice that it was being frozen for 48 hours, until XXXX XXXX XX/XX/XXXX. We called their toll-free number on the XX/XX/XXXX and were assured it would clear on theXX/XX/XXXX. On XX/XX/XXXX, we went to the bank since we needed the funds ASAP to prevent further damage. They said they couldn't release the funds. Then, we looked online and it said we would not receive the funds until XX/XX/XXXX at XXXX XXXX. This is endangering our property by withholding these funds. The message online said we should call the company who gave us the check. We called XXXX XXXX who said it showed as clearing their account on XX/XX/XXXX. We went back to the bank on XX/XX/XXXX and they said the funds were not available but they would absolutely be available at XXXX XXXX on the XX/XX/XXXX. It is now the XX/XX/XXXX at XXXX XXXX Eastern and the funds are not available. The person at the bank said they may be available tomorrow but they were holding them for fraud concerns. We are approaching hurricane season again and our roof could not withstand another storm.

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 2018-04-17 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: DC

Complaint narrative:
I am in the process of receiving a home loan, and was notified by my lender that my Equifax credit report was not available for delivery. ( There are no problems with my XXXX and XXXX   credit reports. ) The lender received this alert regarding my Equifax report : FACT ACT : Information from your inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery. 

As a result, I called XXXX on XX/XX/XXXX to make sure that Equifax had all of my correct and current information. When the Equifax representative pulled the information associated with my social security number, a name and several addresses appeared that are not mine, indicating fraud. 

I was informed by the Equifax representative that I needed to provide documents ( including a cover letter, and scans of my drivers licence and social security card ) to verify my account. I faxed this information to ( XXXX ) XXXX on XX/XX/XXXX, but was informed today that Equifax had not received my documents. I will now have to re-submit all of my information to them, and wait another 2-5 days until they can process the documents. I was not given a dispute reference number at any point of this process, so there is no way for Equifax customer service representatives to track my problem across multiple calls, or provide me with any updates as to my dispute at this stage. It feels like I am being asked to fax my most sensitive personal information into a black hole. 

Our closing is one week away, and our lease is up on our apartment at the end of this month, so it is possible that any further delay could derail our closing, leave us without housing, and cost us hundreds of dollars in additional storage and moving costs. 

My impression of Equifax in its handling of this dispute resolution/account verification process is that they are unprofessional, disorganized, and unworthy of the hugely important responsibility they have to American consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I received an escrow statement from Carrington Mortgage Services on XX/XX/XXXX. 
They made an extra payment of {$1000.00} on my property taxes. As result, i called Carrington Mortgage Services and paid off the entire {$1000.00}. 
However I have to face the following problems : 1- I never received a new escrow analysis despite my request. 

2-Since XX/XX/XXXX I have spoken to several people who pretended to be the managers and experts in escrow analysis. But they never honored the request of sending me an escrow analysis and telling me my new mortgage payment. 

3- All the agents from Carrington were unethical and unprofessional. Among them, I can cite XXXX id # XXXX, XXXX id # XXXX, XXXX id # XXXX XXXX I firmly believe that Carrington Mortgage Services is overcharging me despite my payment of the entire difference on the escrow account. 

5- Given the unethical treatments i have endured with Carrington Mortgage Services for many years, I would like our mortgage to be handled either by XXXX  XXXX XXXX or XXXX XXXX where it originated from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: DE

Complaint narrative:
I have sent four written request ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to this credit bureau to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ..., XXXX ) that has been placed on my credit file. This credit bureau has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. This credit bureau has failed to do this more than four times. It has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and does and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.

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