vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/2019, a customer chose to pay me {$850.00} for repairs to her home via Venmo.com. Venmo allowed me to accept the payment and gave me an option to transfer the money to my bank. After initiating the transfer Venmo.com told me my money will be available in 24 hours. When the 24-hour period expired I messaged and called Venmo.com about why I had not received my money like they told me in an email. Venmo.com never responded to my text but the did answer the phone on Friday, XX/XX/2019 to tell me that my transaction had been flagged for review and I will need to wait three business for them to finish their review. They could not tell why my monies was being held other than to say the FTC is reviewing my transaction. They never advised me that my money was being held nor could they tell me why the FTC or ACH needed to review my transaction or a hold code. This is financial burden to me and my business and I deserve my money plus interest due to the unexplained delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28 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: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. MY INFORMATION WAS COMPROMISED DURING THE 2017 XXXX  DATA BREACH. I HAVE ENCLOSED DOCUMENTS TO ASSIST IN BLOCKING INFORMATION FROM BEING REPORTED ON MY CONSUMER 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 non-monetary relief
Consumer complaint received 2019-07-28 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: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. MY INFORMATION WAS COMPROMISED DURING THE 2017 XXXX DATA BREACH. I HAVE ENCLOSED DOCUMENTS TO ASSIST IN BLOCKING INFORMATION FROM BEING REPORTED ON MY CONSUMER 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 2019-07-28 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: IL

Complaint narrative:
IAMAVICTIMOFIDTHEFT.MYINFORMATIONWASCOMPROMISEDDURINGTHE2017EQUIFAXDATABREACH.IHAVEENCLOSEDDOCUMENTSTOASSISTINBLOCKINGINFORMATIONFROMBEINGREPORTEDONMYCONSUMERREPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28 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: CA

Complaint narrative:
I have an account that is on my Equifax credit report that is not mine. The account is XXXX / XXXX XXXX account number XXXX. 

I was recently affected by the data breech at Equifax and there have been several inquiries made on my credit report as well as an account that is not mine. I have disputed the account and inquiries with Equifax yet they remain. 

They have been removed from XXXX XXXX as instructed. 

I have contacted XXXX and they confirmed the account should not be on my report and sent notification that they would be removing the information. 

I am attaching the correspondence from XXXX and the report from XXXX  showing the requested changes and actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been paying a {$30000.00} consolidated student loan since XX/XX/01. 18 years and 2 months. 

I recently calculated my payments using the Navient Account History for the Life of the Loan. I have paid {$52000.00} ; {$18000.00} in principle, and {$33000.00} interest. 

Navient says I still owe them {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
On XX/XX/2018 I had an automobile accident. From the date of the accident until now, the auto loan company credit acceptance no longer dealt with me. They sent the wrong amount owed on my vehicle to my insurance company and in return collected the wrong amount owed. They then tried seeking collection from me In which i filed a complaint against XXXX with the Arkansas board of insurance. They contacted XXXX whom paid this vehicle off in full. This should not be a negative impact against my credit. I was not at fault for their miscommunication and now I'm suffering from the effects. Please help me remedy this situation.

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 2019-07-28 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I disputed a charge on my Wells Fargo account. 

I had ordered a pair of shoes and I never received them. 

I received an email from Wells Fargo asking me to indicate the type, size, quantity and brand of shoes that I ordered. 

I have never been asked to provide this information for any other dispute with any other credit card company. 

All that is required is that I state that I was charged for the product and that I have not received it. 

A temporary credit is also normally immediately issued, but not in this case. 

Furthermore, a XXXX search of the company involved will reveal a history of problems.

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 2019-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
PenFed has violated the Dodd-Frank Wall Street Reform and Consumer Credit Protection Act. I emailed PenFed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and asked for my account to be unblocked. I sent in my California Driver 's license, my birth certificate, my XXXX XXXX XXXX phone bill yet PenFed continues to block my account and not provide me with my statement. PenFed demanded that I provide a copy of my social security card and I told PenFed my social security card is for social security purposes and not identification purposes, in addition, I do not trust PenFed with a copy of my social security card and told them criminals can use it steal my identity, open bank accounts and credit cards or apply for a loan or carry out other illegal activities without my knowledge. I told them the documentation provided should have been enough to identify me. PenFed continues to block my account and not provide me with my statements. After my complaint about unfair and deceptive practices was submitted to everyone, I knew I would be retaliated against. I also signed up for automatic payments so that the minimum payment would be deducted from my XXXX account however PenFed cancelled the automatic payments without my authorization and without notifying me. I then emailed PenFed on the XX/XX/XXXX and told " Due to PenFeds unfair and deceptive practices, close my checking and credit cards ending XXXX and XXXX. You also purposefully kept my statements from me each month then stated I was late to the bureaus. I don't want to do business with a discriminatory, unjust company- close all my accounts with PenFed. ''

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 2019-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
This company took over the original lenders balance. I was never told who or anything until just recently. I was told by original lender they was selling the property because it was in foreclosure. They never reported it to be in foreclosure on my credit report all this time and instead have continued to say I am missing payments every month for several years now which is not true. I was told they was selling the property because it was in foreclosure. Have not received any paperwork from them either but they are extremely damaging my credit hen I have not been kept in the loop for years now. I have not lived on said property for over 5 years. I saw in local newspaper last year that the property was on the auction block and till never heard anything on this. Not even an update. They are saying I owe over XXXX now with all the additional charges they added after they took the loan over but I was never informed of that either. When they bought the loan from original lender it was in foreclosure, not they are ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I went to cash a check from my bank, the tailor said that my account is closed, as it was the evening time an official said come on other day in day time to look in to your account in depth, I am an employed person so I arranged to leave from my job one day and went again on XX/XX/19. The officer showed me the last check drawn from my bank account, which was not mine it was a third party check not having either my name or signature even the routing number was different only the account number was mine. 
I asked him how did you cash this check when nothing is matching with my account information. 
Then he said no worries just file a claim and you will get your money back in 90 days, so I filed a claim. 
After 90 days when I went to ask the same officer he said to open a new account so they could put my money in it, so he opened up my new account. 
After 10 days I got a denial letter from the bank which stated that they can not reimburse my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: NY

Complaint narrative:
Last year in 2018 I filed a complaint in regards to Equifax Credit Reporting Agency. It has blown my mind that a company that does credit reporting and can make or break a consumer would not investigate a claim that was a past due account and is actually mine. I submitted documents that came straight from the apparent company claiming to have a loan in my name. There is not one signature, the address used I never lived at or on my credit file and there is no proof it was actually me. XXXX and XXXX who are the leaders in credit reporting and not being hacked by data breaches sided with me also and removed the fraud account from my credit file but yet Equifax with a blemished record can't see this nor investigated correctly and removed the account. There is not one thing signed on this apparent contract, no drivers license, nothing. I have disputed this account with them directly and got no where. Please look at this information yet again. It is beginning to show me why XXXX and XXXX and the leaders in credit reporting and why creditors only use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My pay pal account was hacked by a developer who I asked to make me an app. They asked for so many credentials to use for the development of the app and pay pal was used to receive payments. However they used my pay pal account to make A lot of transaction, and changed my password. First transaction was on XX/XX/XXXX for {$1800.00}, seconds was XX/XX/XXXX for {$990.00}, third was XX/XX/XXXX for {$870.00}, fourth was XX/XX/XXXX for {$1000.00}, fifth was on XX/XX/XXXX for {$870.00}. The first 3 transactions were done more than 6 months ago so I couldnt dispute with pay pal but i did with my credit card provider. I called pay pal after they declined my case as I didnt receive any items. They refused to help and told me to contact the credit card provider. So I did and put a claim on the fraudulent transactions. Still waiting for results because they wont refund anything until 6 months of investigation has passed.

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 2019-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
They call 4-8 times a day from a variety of phone numbers and today, a Sunday, theycalled me before XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I don't know who open the account but I didn't

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 2019-07-28 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: NV

Complaint narrative:
I recently filed a complaint with the XXXX and Nevada State Attorney General and soon with California XXXX XXXX XXXX for a audit to pull the funding packet for the XXXX XXXX XXXX  that was financed by XXXX XXXX XXXX. But the income reported by the dealership XXXX XXXX was falsified. They changed my income without my knowledge. And I have asked for the information given to the financed company. Surely this dealership couldnt have given XXXX XXXX any documents that show my income was XXXX because it is not. I sent XXXX XXXX proof of my income, bank statement, and letter of award from SSA. And I still havent received any correspondence from XXXX as per my request to provide me with the proof of income provided from the dealership. As far as the dealership, they know they falsified documents to get me financed. I sent XXXX XXXX a certified letter requesting proof of income. They sent over a typed credit application stating I signed it. However, I filled out my application with a pen. They sent me a typed application. Which they had to do another application to submit to the financed company with the fraudulent income they reported. Why would I report i earn more and cant prove it. I need my funding packet from XXXX XXXX XXXX showing proof of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Well after 2 plus hours on the phone I have been hung up on. I haven't been able to get any card, loan, eat. In my name says that my info doesn't match what is on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: OH

Complaint narrative:
1. On or around XX/XX/2019, I visited the US Bank website to request a quote for opening a new card with a balance transfer. 
2. After submitting my information for the quote, I was presented an offer that did not meet my needs and I declined by closing out of my web browser after the offer was presented. I did not accept the offer or indicate my acceptance. 
3. On XX/XX/XXXX, I received an email from US Bank welcoming me as a new credit card customer, along with the last 4 digits of a new card assigned to me. 
4. On XX/XX/XXXX, I received a new US Bank credit card in the US Mail, along with the standard new customer information. 

My concern is that I did not authorize this new card or accept the offer provided. US Bank should have never opened it in my name without my explicit consent and I did not authorize the hit against my credit report to open this line of credit. I want this corrected 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 non-monetary relief
Consumer complaint received 2019-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: GA

Complaint narrative:
I don't know this account I try to dispute items want remove from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-28 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: IL

Complaint narrative:
I have been contacting Experian explaining to them that they are reporting things that absolutely do not belong to me. I have told them over & over & over again that this information that they continue to keep on my report is fraud information. The account for XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX do not belong to me & I did not apply for these accounts. I have sent several police reports & the identity theft reports and they still report fraud information along with address information that I have never lived at. I have never lived at XXXX XXXX XXXX XXXX XXXX, IL XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. On XX/XX/XXXX I submitted a complaint about this case XXXX & they states that they could not locate me in the Experian system but still reports fradugelent accounts after I have requested they delete the fraud information.

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 2019-07-28 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: IL

Complaint narrative:
I have been contacting TransUnion explaining to them that they are reporting things that absolutely fraud and do not belong to me. I have told them over & over & over again that this information that they continue to keep on my report is fraud information. The account for XXXX XXXX  & XXXX XXXX do not belong to me & I did not apply for these accounts. I have sent several police reports & the identity theft reports and they still report fraud information.

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 2019-07-28 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: EdFinancial Services
State: MI

Complaint narrative:
Due date of student loan is the XXXX of every month. Went in today to make my payment, on Sunday the XXXX at XXXX. The EdFinancial website sets my payment date to the XXXX because only weekday payments are processed on the same day. 

Why give a due date of the XXXX and then make my payment effective date the XXXX when my payment is on time? So, the payment is actually due on Friday the XXXX. Thats misleading and unfair. If I pay on the XXXX, the payment should be applied that day. My credit report should not be dinged because EdFinancial can not process weekend payments.

Company response to consumer: Closed with explanation