vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 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: VA

Complaint narrative:
I received a PayPal Master Card statement during the week of XX/XX/XXXX in the amount of {$15.00} for two unknown business transactions as listed below : Tran Date Post Date Reference Number Description of Transaction or Credit Amount XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX FL {$6.00} 0 % PROMOTIONAL APR XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX FL {$8.00} 0 % PROMOTIONAL APR I called PayPal Credit Services numbers XXXX XXXX and XXXX ( for my PayPal account ), and spoke with 4 different PayPal Customer Service Representatives : XXXX XXXX 1rst ), unknown lady name ( 2nd ), XXXX  ( 3rd ), and XXXX ( 4th ) on Saturday, XX/XX/XXXX to report for these fraudulent business transactions. None of them was able to assist me to deal with/resolve this problem. The first one just simply hear what I said to him and then asked to to wait on the line so that he can forward me to the correct phone line. They just repeatedly did that until when I reach to the 4 person, and each time they put me on hold for several minutes of waiting on the phone line. I logged in to my PayPal account and sent an email to request for closing of this PayPay Master card due to these fraudulent charges, and received an email response on XX/XX/XXXX to ask me to contact PayPay Master Card phone number at XXXX to dispute for these transactions. On XX/XX/XXXX, I logged in to my PayPal account and found that a new fraudulent charge was shown up on my PayPay Master Card account as listed below : XX/XX/XXXX XXXX XXXX FL XXXX I called PayPal Master card phone number and spoke with XXXX, a PayPal Master Card Customer Service , I reported all three fraudulent transactions mentioned above to him, and he told me that he will give me the phone number of that business entity so that I can speak with them directly to find out and disconnected the phone. I called to the given number at XXXX ( the fraudulent business who charged me 3 times within a few weeks for unknown business transactions with them ), and no one picked up the phone. A voice message asked me to leave a message, and I just disconnected that phone call. I logged in to my PayPal account online, clicked on the PayPal Master Card balance link to connect to the XXXX XXXX and  requested for closing my PayPal Master card account, and also made a full payment of {$24.00} to that account while waiting for the dispute to be processed because I don't want these dispute transaction would impact my current excellent credit scores.

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 2018-03-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. I have a unverified account XXXX XXXX XXXX. I had previously disputed this account. I have never done business XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX Cease and Desist and I do not have any accounts with that company error please delete. See attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. I have a unverified account XXXX XXXX XXXX. I had previously disputed this account. I have never done business XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX Cease and Desist and I do not have any accounts with that company error please delete. See attachment below.

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 2018-03-21 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: Navient Solutions, LLC.
State: MN

Complaint narrative:
Hi, After trying to cancel automatic payments with Navient and reading the high ratio of complaints about this company, it needed to be sent to your office. I'm sure this company has been reported in the past. My payments to Navient have been set up for automatic payments since XX/XX/2012. The amount is around {$240.00} on the XXXX each month. On the Morning of XX/XX/XXXX I went on my Navient account online to cancel the auto pay for that month. They make it difficult since the option doesn't exist online. All utilities and monthly payments I have set up with othercompanies make it very easy to cancel if needed. Navient doesn't allow this. Given the extra payments in the past, this means my balance due each month is {$0.00}. Yet I continue to automatically pay each month to pay it off. On the XXXX I called their office and to my surprise was put on hold after this simple request. 
This is where the unethical part takes place. 

I clearly stated my intention to stop auto pay and I would establish it next month. They tried to sell me a deference. They were selling the ability to delay months and months of payments. It's clear the intentions were for the additional interest and fees it would bring in. With a balance due of {$0.00} and 6 years of on time payments, why else would they make months of no payment sound good? I reiterated to cancel the auto pay. After some time he confirmed. I received an email and document stating this. On XX/XX/XXXX I received an email thanking me for my payment. I had my bank deny it. Called Navient and they said I stopped the payment on Friday and reinstated it on Saturday. Being in IT Support and IT Admin the last 9 years, I'm not one to accidentally log in and accidentally establish the payments. On XX/XX/XXXX, Navient took out that monthly payment successfully. Between the unnecessary promotion of deferring loans, re-establishing auto pay without permission, and continuing to attempt to take money on a {$0.00} balance, this is a company that should be looked at. Thankfully I'm in a position to not let this effect my month. But if the request to stall payments came up it is not easy at all even after getting email and verbal confirmation. For some, that theft of money could set them back in various ways. Attached you'll see a confirmation of the cancellation on XXXX. You'll also see it get re enrolled on the same day. I didn't do that enrollment. The following week on the XXXX, I did. My goal was to skip one month since the balance was {$0.00}. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Suddenly I have received a collection bill for XXXX through PennCredit about my previous landlord 's electric bill. I had verbal agreement with my landlord about monthly rent including all bills and I paid all my rent from XX/XX/XXXXto XX/XX/XXXX and moved out from that house in XX/XX/XXXX and the bill was from XX/XX/XXXXto XX/XX/XXXXand the total amount of the bill isXXXX. I never received any bill before, no phone call, no reminder about this bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: FL

Complaint narrative:
The XX/XX/2018 I received by US BANK an " Settlement Program Offer ''. 
If I pay {$280.00} the debt of {$1900.00} that I had with them, it is full paid. I received a discount offer of 85 % ( {$1600.00} ), as the letter says sent by US BANK. 
I pay {$280.00} as said the offer in the settlement. US Bank processed the payment and it was successfully. 
When review my credit report, I see that {$280.00} was taked as a payment to the balance and not as a settlement. 
I spoke with US Bank to solve the problem. They were negative and sent me to disputed the problem in the credit bureaus. 
I did the disputes in " XXXX XXXX XXXX ''. Attach the offer letter and the payment voucher, to support my version. 
US Bank responded to the disputes in a mode negative way, and I ratify my payment as a credit, and not as settlement payment. 

Please, help me. 

attached : Settlement Program Offer Autoritation debit by {$280.00}

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 2018-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
- I never sing any agreement with XXXX XXXX with a fake loan about {$45000.00} - I was approved for foebarence with XXXX until XX/XX/XXXX - My loan was about {$52000.00} since XX/XX/XXXX and I was paying about {$340.00} a month. - -- - My loan went down about {$40.00}, 000 in XX/XX/XXXX when I was aproved for foebarence with XXXX. 
- I was qualify for Obama Loan forgiveness after of more then 10 years of payment when I was working for XXXXhe City : XXXX XXXX XXXXXXXX XXXX XXXX however XXXX refuse it. I never have a payment plan when I will make the last payment of my loan. 
- I completed my Bankruptcy chapter XXXX - discharged Ref # : XXXX - Court : S BKPT CT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: NY

Complaint narrative:
The company reinsert a business account on my personal profile

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 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
I am a victim of identity theft and my ftc theft report number is 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 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE NOT REQUESTED FREE COPIES OF MY CREDIT REPORTS IN A VERY LONG TIME ( POSSIBLY 10 YEARS ). I ATTEMPTED TO SECURE MY FREE REPORTS TODAY, BUT FIRST REPORT WAS BLOCKED DUE TO MY REQUEST FOR THE REPORT IN LESS THAN 12 MONTHS. I DID NOT REQUESST MY REPORT IN A VERY LONG TIME ( POSSIBLY 10 YEARS ). 
ALL I WAS ALLOWED TO DO WAS FILE A COMPLANT WITH TRANS UNION ( THE FIRST AND ONLY AGENCY I ATTEMPTED TO SECURE REPORT FROM ).

COMPLAINT : SOMEONE HAS APPARENTLY HI-JACKED MY CREDIT REPORTS, ANE THEY HAVE FREE ACCESS TO MY REPORTS WHILE I MUST JUMP THRU A BUNCH OF LOOPS TO GET AT THE REPORT TO FIND OUT WHAT'S GOING ON. TYPICAL-PRIORITY IS IN THE WRONG PLACE TO PROTECT THEIR LOUSY {$30.00} FEE IN STEAD POF PROTECTING MY INFO, MY INFO, MY INFO. I OWN THE INFO AND IT IS ABOUT ME, BUT I CAN'T SEE IT AND ATTEMPT TO DO SOMETHING ABOUT IT BECAUSE THE GOVERNMENT WON'T PROTECT THE CONSUMER. XXXX, TRANS UNION AND XXXX  ARE THE PRIORITY. THAT'S A COMPLAINT.

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 2018-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: ECMC GROUP, INC.
State: OH

Complaint narrative:
I have been trying to get this student loan off of my credit it has been handled by multiple debt collectors XXXX / XXXX XXXX lastly loan servicer is ECMC upon asking the company multiple times. After many misleading phone calls these people would tell me that the loan is for my current school. I called my loan servicer which was XXXX   and ask them if I missed any payments and they said to be careful because there was scams out there so I assumed that this was a scam. The school that I am attending which I'm current on in payments is located in XXXX Ohio. Upon me threatening to call the Attorney General because I thought this was a scam they told me it was for a school called XXXX I have never attended the school XXXX in XXXX Florida. Not only have I submitted police reports I've submitted dispute letters I've submitted even my high school diploma proving that I did not go to the school and that this loan was made before I was a high-school graduate I did not give permission for this loan. I have also informed all credit bureaus and they're saying that they leave it up to the company that's debt collecting to investigate themselves and that's how they determine whether they remove the dead or not and I am not satisfied with that I have said over and over again that I am a victim of identity theft I have the paperwork to prove it

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 2018-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 I received a letter in the mail saying that my recent application for a Wells Fargo deposit account is being denied. My application was evaluated by a company named XXXX XXXX XXXX XXXX but no where listed in the letter stated why my application was being denied or what information was used to come with this decision.

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 2018-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I am on a few supposed " safe '' XXXX groups that were created to buy and sell high end items such as XXXX XXXX, XXXX, XXXX, etc ... ... .purses, shoes, accessories ... .. 
In order to buy or sell in these groups, you must only use paypal, and therefore there is no one as the middle man as far as a " site to sell ''. Therefore when myself ( the seller ), creates my own invoice via paypal, I can write it up in ANY WAY THAT I WANT FOR MY " business ''. 
I advertised a XXXX XXXX handbag, authentic, in great condition, not brand new, and made sure to send well over 40 pictures to the buyer to makes sure she was aware of the condition of the bag, because in my invoice it clearly states : " PLEASE LOOK OVER VERY CAREFULLY, IF YOU HAVE MORE QUESTIONS PLEASE CONTACT ME. BUYER AGREES THAT ONCE THEY MOVE FORWARD AND PAY FOR THE ITEM, ITS A BINDING CONTRACT. IT IS SOLD AS IS, NO RETIRN OR EXCHANGES ALLOWED! '' I sent the bag out asap, on XX/XX/2018, VIA XXXX priority mail with signature confirmation. She received and signed for the bag XX/XX/2018. That night well after XXXX my time she rudely contacted me vis XXXX XXXX stating she didn't want the bag and she would be returning it. Wait what? I think she forgot we had a binding contract. Although PAYPAL, even though they are NOT A BANK, and only registered as a payment processor for online venders, auction sites and other commercial use. The fact that they think they can inter vein and allow us sellers to break our contracts that we have a legal right to enforce, is not only unethical, but illegal. They allowed her to supposedly send the bag back, with tracking BUT no signature confirmation. I never received it! Paypal decided to not only take my {$400.00}, but I STILL DO NOT HAVE MY BAG! This is not only fraud, but PayPal allows the fraud to happen, which should not be allowed! The fact they are not a bank or FDIC insured, they should not be allowed to hold any money over 24 hours, in the event something happened, our money is not protected. I am well aware that Paypal has been operating in a very gray area for over 20 years, and has continued to defraud consumers. As a XXXX XXXX and wife of a highly XXXX  XXXX XXXX veteran, I am completely appalled that this happens to innocent people. I hope that you can see what a serious problem this is and hopefully help me rectify the situation asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX, we were pressured to try a {$6000.00} vacation club membership from XXXX XXXX ( Travel Club ) out of XXXX, Florida. The sales method was a ) predatory, as described in the letter to them on XX/XX/XXXX ; XXXX and b ) none of what they promised existsno services we tried to access worked. Consequently, we sought termination of the contract for reasons of false representation of the travel club, and full restitution of the {$6000.00} paid for membership. We sent them a certified letter to that effect on XX/XX/XXXX. The presumed debt was sold to XXXX XXXX, which is constantly harassing us with phone calls, and repeatedly pressuring my husband, XXXX XXXX, to make payments. I have informed them that we terminated our agreement for nonperformance and that my husband is retired, XXXX and has suffered from a XXXX XXXX. I have told them repeatedly to stop calling us. They continue to do so. I received such a call on XX/XX/XXXX, and told them firmly that we were filing this complaint, and to stop calling. Today, XX/XX/XXXX, they AGAIN called my husband and bullied him into making yet another payment! In addition to breaking federal consumer protection and credit laws, this also constitutes elder abuse. I seek restitution of the stolen funds and cessation of these calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX of 2018, I opened a Business Fundamentals Checking account as well as savings at the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX with a business check written in my business name in the amount of {$21000.00} for products to be shipped. I was informed by the bank that the funds would be available on XX/XX/2018. However, upon checking my account earlier this week XX/XX/2018 I discovered I was unable to access my account. I visited the Bank of America to be instructed to call XXXX XXXX XXXX without an explanation other than my account is only able to accept cash deposits. When I called XXXX XXXX XXXX the representative told me the account was closed without cause as stated in their agreement and the check did not clear. My account prior to my inability to access it online showed that the check had cleared and that a debit was made and funds being held which is also confusing. I had no idea my account would be closed because of bad check especially after being assured everything would be okay.

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