vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 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: RI

Complaint narrative:
I have been disputing with experian two accounts that are reporting on my credit report negatively and that do not belong to me. They are the only bureau that has not removed this information and refuses to let me dispute it anymore. Also, they have multiple wrong addresses on my reports that they will not correct. The latest completed disputes were XX/XX/2019 and XX/XX/2019 with no changes.

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 2019-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing a copy of my annual credit report, I have identified an inaccurate item that was placed on my report. I have made a payment towards the disputed account and as agreed the amount that is shown represents the payment which settled this account in its entirety. For your convenience, I have attached receipts that show proof of payment made towards the account that confirms the agreement. Promptly re-investigate the account and have the inaccurate entry remove from my credit file. Your company will agree to remove the present entry from my credit report to exhibit Paid satisfactory. Additionally, other entries such as, late payments or charge off should be purged from my credit files.

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 2019-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
On XX/XX/XXXX I received a letter from Credit Bureau Associates of Georgia ( CBA ) dated XXXX XX/XX/XXXX. This was for a medical service for XX/XX/XXXX. The letter states to notify the office within 30 days ( XX/XX/XXXX ) to dispute the validity of this debt of {$110.00}. 

That same day after receiving the letter from CBA I paid the original creditor the {$110.00} and received a receipt from the original creditor were I received medical service in XXXX. That same day XX/XX/XXXX, I write a letter to CBA stating the debt was paid to the original creditor and I attached a receipt of payment. I then state to please respond within 10 business days to request that the debt was settled with the original creditor. 

A month goes by and I received a letter from CBA on XXXX XX/XX/XXXX dated XXXX XX/XX/XXXX. The letter states that I still owe the debt and returned my original letters back to me including the receipt. CBA also included in my letter an original receipt of payment from the original creditor showing that they I the patient paid the original creditor on XXXX XXXX the {$110.00} which was highlighted by CBA. 


Since CBA has the receipt from the medical billing department that I satisfied the payment with the original creditor, why would CBA still send me a letter stating I currently owe {$110.00}? 


I then call the original creditor at XXXX and ask to speak with the billing department. I then explain the situation and she states that she will call them to settle the confusion as she showed that I paid the account on XXXX XXXX on her end. She then tells me that she would call me back once CBA has confirmation from the billing department that the account is settled with the original creditor. She later calls me back and states the account is settled with CBA as they now know my account was paid with the billing department of the original creditor.

Today I check my credit reports and CBA placed a {$110.00} paid account on my credit report XX/XX/XXXXFrom the original letter that was sent from CBA the 30 day notification was not honored as I paid the original creditor and mailed receipt of payment to CBA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I was very far behind on my mortgage because my husband was unemployed for 10 months a couple of years ago. He was older so it was difficult getting a new job, he has one now. Our loan was sold by XXXX XXXX to Specialized Loan Servicing effective XX/XX/XXXX. In XXXX, I received default notices and intent to foreclose. I called XXXX and asked to pay ALL OF MY PAST FEES and did that at that time. I also paid thru XX/XX/XXXX and was current. After that they added additional late fees, two of them were waived. However, they have kept on a {$15.00} " property inspection '' fee that they say was incurred on XX/XX/XXXX. No one came to inspect my property and my loan was current. Now they will not waive this additional fee and I feel this is not fair since I am current on this loan. I specifically asked to pay everything I was behind on and did in XXXX. Now they seem to be using this as an excuse to extract additional fees from me and I don't think that is fair. They are impossible to reach by phone and it takes them every bit of 30 days to respond to me which I find completely onerous. 
Thank you.

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 2019-04-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have wrote several disputes to Experian on ( XX/XX/XXXX and XX/XX/XXXX ) about the following inaccurate accounts appearing on my credit report. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX, # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report reflects such errors. 

Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date. This is the 2nd letter from Experian dated XX/XX/XXXX says they will not investigate the items. They are in violation.

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 2019-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: IQOR US INC
State: KY

Complaint narrative:
They tried to say I owed on a student loan but I disagreed with the amount owed. They tried to set up payment arraignments and the manager ( XXXX  ) tried to accuse me of not wanting to the pay the bill. I explained that was not the case, I would just like to know what I'm paying for. He said they would put me on a payment plan if I had 2 references that did not live with me. I couldn't provide that information because I didn't have anyone 's information. I contacted an attorney to help me set up payment arraignments. After setting up payment arraignments they decided to garnish my wages. On top of garnishing my wages they took out an additional {$160.00} on XX/XX/19. I do not feel like this is a authentic company, not to mention I have had my identity stolen on several occasions. The company said they were with Allied Interstate LLC when they told me they were going to have to garnish my wages, then when I get the wage garnishment it says it's from the Commonwealth of Kentucky, Finance and Administration Cabinet, Kentucky Higher Education Assistance Authority.

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 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
We were unaware that our credit card had a balance. They first called on XX/XX/XXXX. I told them I was unaware of this debit. 

They called again the next day. We told them to stop calling we will pay it. 

Everyday they call up to 6 times a day. We finally called then on Friday XX/XX/XXXX and told then again to stop calling. They said their system is automated and can not stop. 

Again today XX/XX/XXXX they have called 7 times and we again told them to stop calling. 

They are harassing us daily, multiple times a day call all numbers even ones that was not listed on the account which they acquired some other way. 

These numbers are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

They won't stop harassing us Zales credit through XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
To CFPB Re : Pentagon Federal Credit Union XX/XX/2019 I would like to express my concerns over the fact that Pentagon Federal Credit Union ( Pen Fed ) provides different level of service to customer who are are not in the position to communicate with this organization via phone as compared to the level of service they provide to other customers. 

The issue is especially critical when it comes to the ability of customers to exercise their rights related to disputing unauthorized transactions on their accounts. 

In XX/XX/2019 I inquired Pen Fed multiple times regarding their procedure of reporting unauthorized transactions on my credit card. After requesting clarifications from Pen Fed related to some conflicting responses I received from their customer service representatives I was informed that the procedure Pen Fed has for customers to report unauthorized charges is to call in and address this with a Member Service Representative. See Pentagon Federal Credit Union Message Center - requirement to call in to dispute unauthorized charges on the account.pdf attachment containing Pen Feds official response to my requests.

After I requested a written disclosure specifying that the customers must communicate with Pen Feds representatives via phone I received even more disappointing response informing me that Pen Fed refuses to communicate with me via written messages and specifies the reason for that as a supervisor has attempted to reach out to you in order to resolve your concerns, however they were unsuccessful in reaching you at that time. Please provide a good phone number and time, and we will do our best to attempt to reach you via phone once more. See Pentagon Federal Credit Union Message Center - refusing to assist since supervisor was not able to reach by phone.pdf attachment for Pen Feds response.

Finally, I mailed a couple of letters to Pen Feds mailing addresses disclosed on their website. Copies of them are attached as penfed dispute 2019XXXX.pdf and penfed dispute 2019XXXX.pdf. In XX/XX/2019 I asked PenFed whether they have received my letters mailed to them via USPS and PenFeds response included in the attachment Pentagon Federal Credit Union Message Center - Non receipt of postal correspondence.pdf indicated that the organization is not tracking customers mailed correspondence well or otherwise does not pay attention to the incoming mail.

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 2019-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Good afternoon, I have had several issues with Navient last year in XXXX. It was a difficult year for me financially and tried numerous times to reduce my payment on my IDR plan. Several times I spoke to a representative they told me I had to fill out the repayment plan yearly paperwork and send in my W9 's or income verification. I told them I had reached out to the companies I had worked for multiple times and I never received any documentation proving what I made while employed. The whole year I was in a financial hardship and was out of work for more than 6 months ( no work, no income ). I had to take out my 401 ( k ) and all of the money out of my investment account just to survive. I expressed this multiple times via email as well as over the phone with a customer service rep., there scripted answer was to send in XXXX 's tax return but that year I made over {$50000.00} hence the reason in my IDR plan I was paying {$300.00} per month. I just finished my taxes and with both of those withdrawals and what I made by working in XXXX I made roughly {$18000.00}. Once I got into a financial hardship no one would help me out at Navient to restructure my payment plan. Ultimately just to survive in one of the richest counties in California I had to put a holt on paying my student loans. Now that we are in XXXX I went a whole year with a $ 300+ per month payment and was way below the poverty line. Alone the interest on these loans has wrecked havoc and they have accrued so much interest I now owe over {$40000.00}. I need some help here because they wouldn't help me and if you look at my record I have filed several complaints to the CFPB regarding this loan servicer - Navient. The service is horrible and when I told them what was going on and the financial issues in my life I didn't receive any service and nobody would work with me. The math on {$18000.00} for the year is a {$1500.00} per month, add in rent, utilities, food, transportation, insurance there was no feasible way for me to pay that amount monthly and every time I asked for help I would get the same response and turn in my XXXX tax return. This is mind blowing that a company can treat their customers the way I have been treated. On top of that they put me into a deferment plan without my consent. How is that legal? How can they do this to people and get away with it? Somebody at the CFPB PLEASE help me. I really need it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Roquemore Holdings LLC
State: UT

Complaint narrative:
Called everyone in my family : my sister, my mom, my sister in law, my sister in laws husband, my mother in law ; but would not call me back to even ask what this was about. XX/XX/19. They stated that it was an emergency making my family concerned for my health.

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 2019-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
XXXX or XXXX locked me out of my credit card when they issued a new credit card so I was unable to make a payment until I received my new card, which was lost in the mail and had to be sent out a different time. This caused a negative mark on my credit which will cost me thousands of dollars in the home mortgage I am applying for, all because of a {$12.00} purchase.

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 2019-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Saturday, XX/XX/XXXX I received notification via mail from " PayPal Credit/Synchrony Bank c/o XXXX XXXX XXXX, XXXX '' of changes to my account terms. 
I am a regular Pay Pal user but have never had any credit account with Pay Pal. I called to inquire about this notice and was informed I had an open Pay Pal Credit account with a {$15000.00} ( XXXX XXXX ) credit limit that was opened on XX/XX/XXXX. This " virtual '' ( their description ) account has standard credit account fees including late payment, APR 's, cash advances, etc., and as of the date on the notice ( XX/XX/XXXX ) is managed by Synchrony Bank. It also should be noted while this account has been open since XX/XX/XXXX, this is the first communication I have ever received. 
I immediately had the account closed and subsequently has a conversation with " XXXX '' in customer service at Pay Pal Credit about how an account was opened in my name without my authorization. She informed my Pay Pal had all the necessary information including my SSN to open a line of credit but they do not keep records of signature authorization as they are a " virtual company ''. XXXX also informed me concerns about the potential impact this could have on my overall credit rating was null as Pay Pal does not report to the credit bureaus. While that may be true, Synchrony Bank services Pay Pal Credit accounts and they do. 
I initiated a fraud investigation with Pay Pal Credit over my concerns Pay Pal is opening lines of credit for their users without proper authorization. ( Of note, my mother-in-law received the same notice via e-mail about her Pay Pal Credit account which she never opened. She is in her XXXX 's and wouldn't even know how to do this. ) I did not authorize Pay Pal Credit to discuss my account with law enforcement without my participation in the conversation.

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 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX I ordered XXXX & XXXX XXXX  internet and XXXX XXXX bundle. XXXX XXXX was installed but no one ever came to install internet. after 2 days i was told XXXX XXXX   wasnt available in my area and i couldnt get the bundle discount XXXX  canclled my entire account including XXXX XXXX  and got internet and cable from a local providr. in XXXX of XXXX i discovered a negative mark on my credit score from an XXXX XXXX XXXX debt collection i knew of. i gave spent the last 2 months calling and emailing Franklin collection agency and XXXX XXXX XXXX for info. They said I owe XXXX dollars for DSL internet. i have asked both XXXX XXXX XXXX and Franklin collections for proof of internet service provided by XXXX XXXX XXXX. a bill, a copy of a contract, a service agreement, ANYTHING to show why they have billed me. I have recieved nothing. I have spent dozens of hours on the phone with Franklin and XXXX XXXX XXXX and constantly get transfered, told to call other numbers, told to call the collection agency because XXXX XXXX XXXX doesnt have the debt anymore and has bo record of it and the collection agency tells me i have to call XXXX XXXX XXXX to get the details of the bill. no one has helped me. i have copies of emails i sent, requests for documentation, phone records, names and id numbers of representatives I have spoken to and I have no answers from anyone but they will not discarge the debt or provide any billing info. At no time has employee from XXXX XXXX XXXX internet service entered my home or property to install or set up any internet service or equipment. at no time has any employee from ANY internet service provider associated with or representative of XXXX XXXX XXXX entered my property to install any intermet service or imternet service equipment and I affirm that I have never at any time had XXXX XXXX XXXX service installed or activated in my name. these charges are fraudulent and XXXX XXXX XXXX and Franklin services are using abusive and evasive practices to perpeutuate these fraudulent collections. i need asistance desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: SC

Complaint narrative:
XX/XX/2018 {$1100.00} Reporting negative on credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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: General Motors Financial Company, Inc.
State: UT

Complaint narrative:
This account was not originally disputed, but it is no longer valid. It has been paid in full since XX/XX/XXXX and has had a XXXX balance ever since. I have disputed this report on numerous occasions by phone and in writing, which should not be reason to have it remain on my credit reports. Written request from XX/XX/XXXX and XX/XX/XXXX, through this year have been ignored. I can not get anyone to respond and there has been no resolution. 

I am being penalized on my mortgage loan and need immediate action from this lender by removal of this long since paid off account from all three reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
A client paid me {$3700.00} for consulting services via PayPal. PayPal charged a service fee of {$100.00}. PayPal believes that my transaction violates their Acceptable Use Agreement but will not provide any detail as to what that violation specifically is. They are holding the {$3600.00} for 180 days without any just cause and refuse to communicate on the matter. During this time PayPal will be earning interest on my income as a XXXX XXXX XXXX. I seek relief in getting PayPal to release these funds immediately as there is no just cause in they holding these funds for 6 months.

Company response to consumer: Closed with explanation