vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 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:
I have no idea who or what these accounts are or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. This report is indicating that these accounts listed on the attached letter was opened. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized as a third-party collection agent if applicable. 
4. Provide a true and correct copy of the instrument by which company } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to the company, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.

Violation ( s ) : Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
Failure to provide an Opt Out Notice. 
Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2019-07-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have filed several complaints. However, the only thing taken away from such is that XXXX says it's paid in full but still a charge off according to transunion investigation. However, my car was not repossessed. Nor did I sign their " collection paper ''. you can clearly see that is not my handwriting or signature in correlation to the lease. secondly, I was never afforded the opportunity to get my vehicle back ever which I tried too. I will reiterate I had a remaining balance of XXXX the car sold for over 21k. I still owe nothing to the company. Also, The leasing company was aware of the issues with the dealer and did nothing to help me or fix the issue. I will continue to complain until this is properly taken care of.

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 2019-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I recently viewed my credit report 's and became aware of a " Capital One Auto Finance '' hard hit inquiry dated XX/XX/2019 that I don't recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: TX

Complaint narrative:
Experian continues to list a derogatory report on a vehicle that was sold in XX/XX/2016 and has not been my responsibility for three years. I have addressed the issue with the company that performed the predatory loan `` XXXX XXXX XXXX '' and am considering joining one of several class action suits against this company. 
The XXXX that they claim that I owe is fraudulent and I want Experian to delete this account from my record. 
To date ; I have lost Five Job offers due to this and will sue in Small Claims if I can not afford to do anything else with it. 
In my last dispute, I included the proof that I have no responsibility for this vehicle which has been sold four additional times after I sold it as per the department of Motor Vehicles, to no avail.

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 2019-07-23 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: TX

Complaint narrative:
XXXX continues to list a derogatory report on a vehicle that was sold in XX/XX/2016 and has not been my responsibility for three years. I have addressed the issue with the company that performed the predatory loan `` XXXX XXXX XXXX '' and am considering joining one of several class action suits against this company. 
The XXXX that they claim that I owe is fraudulent and I want XXXX to delete this account from my record. 
To date ; I have lost Five Job offers due to this and will sue in Small Claims if I can not afford to do anything else with it. 
In my last dispute, I included the proof that I have no responsibility for this vehicle which has been sold four additional times after I sold it as per the department of Motor Vehicles, to no avail.

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian does not let me get a credit freeze online. 
I was able to get a credit freeze easily online with XXXX and XXXX, but not with Experian. 
They have been harassing me with emails and tried to get me to subscribe with a monthly fee although I can legally have a credit freeze for FREE.

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 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I called into chase today to make a dispute on a transaction i called getaround and they said they had no charge for me for XXXX so i should dispute it with my bank. Originally i was very frustrated to have explained the whole situation to a customer agent who could not file the dispute. When i was transferred to the dispute department the agent was very NASTY. I told him i was in a lunch room and didn't want yo say my card number out loud so i gave him my social he repeatedly askes me the sane thing and then told me i should move to get better reception. The rude agent utterly refused to let me speak to his supervisor or give his agent id. I informed him i was recording the call and would be sending it to chase corporate office. The agent hurled insults at me back and forth and laughed thinking it was a joke and telling me pretty much he didnt want to be on the phone with me very nasty rude foreigner on the phone then refusing to let me speak to his supervisor while speaking to me so nasty. Freaking unacceptable. Never have i been so floored while on a call and then have to be insulted and refused to dispute a transaction or speak to a supervisor ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/XXXX PayPal sent me a notification that my business PayPal account had been frozen and assets seized for 180 days due to a violation of their acceptable use policy and would send me instructions at the end of this time to retrieve the funds " if applicable. '' This decision " can not be overturned '' the robot tells me when I call attempting to gather informationPayPal will not connect me to a human for customer support any longer. 

PayPal would not specify what the violation was, yet I imagine it is because our company is a legal, tax-paying, registered LLC, California-based XXXX XXXX   company. I am assuming PayPal believes that hemp oil violates their Controlled Substances clause, yet the XXXX Farm Bill did away with that, and prior, we carried ( and still do ) full documentation from the legal hemp oil distributor in CA proving we were not breaking any lawsstate or federaland that our products contain zero controlled substances. 

We have never had a charge-back, nor a dispute, nor is this account high-volume where identities of buyers are hidden to mask illegal activity. We have the records to prove this. 

PayPal is not secured by the FDIC, so we see zero legal reasons for this seizure, and even so, we have seen our fair share of banking issues, but never an asset seizure with no contact information and zero recourse and no access to a human to answer our questions. This is corporate sanctioned thefteven if temporary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I lost my job back in XX/XX/XXXX, I was still able to make my payments online up until XX/XX/XXXX, I made a payment to a woman at the mortgage company 1 card was charged for XXXX the other debit card was charged for the remaining balance. Also in XXXX i sent them XXXX but that money is no ware to be found But they charged me a late payment and also a returned check fee, but never returned my money to me i began to fall behind on my payments. In their paperwork they state that unless you have full payment any other amount will not go toward the bill.Even their own statements do not match the form they sent me for my taxes. Then they sold the contract to the company i currently have. Whom i have also tried to get a loan mod. with to no avail. This new servicer is not the greatest either i can never get ahold of their lawyer nor do i get a return call. At the b.k. court they falsified numbers they charged me interest on XXXX stating that was my payment the entire duration of my loan. That payment was only that high for a few months it was even for a while at XXXX. Then when i tried to get a loan modification this last time, they mailed to me my denial letter that i received on the XX/XX/XXXX  Then on monday the XX/XX/XXXX, mail come 's to my house around XXXX a welcome packet from XXXX stating that they need a few more papers from me but that everything has to be submitted by XX/XX/XXXX. So how can that work they are already closed and the day i received the mail that shows the date mailed as the XX/XX/XXXX i have to have everything turned in or else my home go 's up for sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
What I remember is when I had my business in the city of XXXX on XXXX XXXX this company approach me to buy a Web site advertising and the were really pushing me to buy it. One day after many times they trying to convence me I agree to do it BUT for 6 months only!!! The were trying to convence me to do One year but I told them NO!!! 
So, they agree for 6 months. The took my checking account number and were doing withdrawals every month. Before the XX/XX/XXXX month I told them that that advertising wasnt working for me at all and I asked them to stop taking money from my checking account but they charge the XX/XX/XXXX month and I complained to them and they said that is for One year and I told the that the agreement was for 6 months. 
Then I canceled my checking account so they couldnt charge more. 
Since then I havent heard from them until now with this Collection in my credit report. 
Please understand my situation, I dont have that store anymore. 
I need your help to resolve this matter as soon as possible. It is damaging my credit and is not fair, because I act in good faith when they approach me to do business with them even Though I never had any customer related to their advertising. I believe in my heart that was going to work but never did and I paid on time for those 7 months. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After trying to file a dispute on Equifax 's website it gave me some security questions sp they could " identify the proper account '' none of the questions even applied to me so I couldn't even file a dispute. I called Equifax aaaand told them what's going on. They again asked me some questions to " identify the proper account '' over the phone. Once again none of the questions applied tho me and I was told " sorry we can't help you at this time ''. I'm not sure how a credit agency can determine my credit score when they don't even have the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: AZ

Complaint narrative:
I found a XXXX Account on my Experian credit report that was listed as late and sent to collections. It also listed an address in XXXX Mi associated with this account. I contacted XXXX to report the Fraud account. They said they would take care of it.I wanted a month and saw it was still on my report, So I disputed with Experian on-line and they came back with the account confirmed as mine?!?!?! Reference their dispute results Number XXXX. I need this cleaned up asap. I have never had a XXXX account or applied for one. I also have never in XXXX Mi. 
Experian still has it listed on my account as of XX/XX/19 as Failed to Pay, This account should just be removed from 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 non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bessine Walterbach, LLP
State: KS

Complaint narrative:
I am filing this complaint against Bessine Walterbach , LLP, and it's Agents, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for the following reasons : 1. I was first contacted by Bessine Walterbach , LLP on XX/XX/18 about alleged medical debt from University XXXX XXXX XXXX XXXX, in which Bessine Walterbach , LLP claims to represent themselves as an attorney for University XXXX XXXX XXXX XXXX. 
2. I've requested Proof of Claim on multiple occasions but this debt collector, claiming to be an attorney, has not responded to my requests. 3. Although they have not sent me proof of Claim, now this debt collector is attempting to take me to court and pretend to represent the hospital. 4. This debt collector has had me served at my place of employment, giving the summons to a co-worker of mine, instead of mailing the summons to my home. 5. On the day of court, the case was not on the courts docket. 
6. This debt collector has entered a " Motion to Squash Service '' of summons and asking the judge if they can proceed, due to me not being served after Summons was given to my co-worker.

7. This debt collector has doubled the amount of the alleged debt to more than half of the original balance from {$1900.00} to {$4100.00} plus 0.9906 interest per day.

8. This debt collector keeps mailing me what looks like court motions but has NOT been stamped by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Carvana Group, LLC
State: TX

Complaint narrative:
I traded in a car and paid cash to purchase another car from Carvana on XX/XX/2019. The trade in has an outstanding loan. Carvana has not paid off the loan. I have utilized Carvana 's online chat and called multiple times. I am continuing to be charged interest on a loan for a car I do not own, and continue to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: GA

Complaint narrative:
I recently pulled my credit report and several inaccuracies. I am a victim of identity theft and previous filled out a police report in regards to my personal information being stolen. I sent out several letters to the credit bureaus as well with accounts and information I found fraudulent but with No luck. Below I will list the accounts I found false. 


Account Name : XXXX XXXX/XXXX Amount : {$2100.00} Account Name : XXXX XXXX XXXX - CREDI Amount : {$4100.00} Account Name : XXXX  XXXX CREDIT CARD Amount : {$6200.00} Account Name : XXXX Amount : {$900.00} Account Name : XXXX XXXX Amount : {$5500.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$2700.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$8000.00} Account Name : XXXX   XXXX XXXX Account : {$1400.00} Account Name : XXXX XXXX XXXX Amount : {$1200.00} Account Name : XXXX XXXX XXXX Amount : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
I have no balance due with the referenced biller. No debt validation has been received. The company has been advised not to contact me by any means other than USMail, but continues to call my phone and the phone number of a former employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: WA

Complaint narrative:
I have been waiting over a year for my payment count for PLSF to be reviewed by Fedloan. I applied for a short term forbearance in XX/XX/XXXX and all payments that I made during residency training prior to XX/XX/XXXX were not counted due to a technical error ( wrong date entered ) on the short term forbearance form that was filled out in XX/XX/XXXX. My payment count is off by roughly 20+ per my calculations. 

The forbearance form asked for dates that I was in the training program, which I entered as XX/XX/XXXX-XX/XX/XXXX. I  filled this form out in XX/XX/XXXX so I could forbare for less then 1 year while I transitioned from resident to getting my first job. Fedloan interpreted the forbearance form to mean that I was requesting a " retroactive forbearance '' for the entire time I was in the training program, even though I had been making payments before the forbearance was requested. So the payments that I had already made that were counting towards PLSF were then taken away from me. 

Of note, I resumed making on time payments in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
On XX/XX/2019, I received a PSLF Qualifying Payment Update from FedLoan Servicing for the period between XX/XX/2019 and XX/XX/2019. On the document, FedLoan Servicing has identified 4 total qualifying payments on loan sequences 1 and 2. Given that my loan payment occurs monthly on the 11th of each month, five repayment dates occurred between XX/XX/2019 and XX/XX/2019, and my total qualifying PSLF payments in this letter should reflect 5 instead of 4. On XX/XX/2019 at approx. XXXX EDT, I called FedLoan Servicing and spoke to XXXX ( employee ID XXXX  ). XXXX informed me that FedLoan 's count of my total qualifying payments was wrong and should have been 5 but was inaccurately being counted because FedLoan failed to send a bill for XX/XX/2019. XXXX informed me that the problem would be fixed but he was unable to fix it and had to request an additional review. XXXX did not provide me with any timeline nor a case number. He told me he could not tell me when the error would be fixed. I called FedLoan again on XX/XX/2019 at approx. XXXX EDT and spoke to XXXX ( employee ID XXXX ). XXXX informed me that the case was still pending review and provided me with a case number. He once again told me that he could not provide any timeline as to when the problem would be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Hanna Holdings Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX wrote in paperwork clause I had to sell house that I did not want to sell at all.

Company response to consumer: Closed with explanation