vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
to whom it may concern upon further investigation, i have retained copies of my new credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law.you are required by federal law to place to a notice of dispute on my account within 30 days of my dispute which you signed for on XX/XX/2018. i have retained a copy of your signature and date of receipt, as well as a time stamped copy of my credit reports, showing that you have violated the fair credit reporting act, section 623 ( a ) ( 3 ) and/0r the fair Debt collections practices act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period i took the final goodwill attempt to have you clear up the matter the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. ( 3 ) Duty to provide notice of dispute. if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any reporting agency without that such information is disputed by consumer ( b ) time notice ( BI ) the notice require under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
My S.S. was used to obtain money from my checking account. I have closed the account and the original debt was written off and then sold to XXXX. I have NO intention of making any payments on this account and have told them repeatedly. Started getting calls from XXXX, XXXX XXXX, about two months ago on my cell phone from XXXX ext. XXXX and XXXX. I asked her to stop calling. Now she is calling my place of employment and leaving message with my Manager that it is URGENT I call her. I called her this evening and said that she is not to call my employer ever again and she started screaming at me over the phone, I could not even talk. It was absolutely disgusting. I couldn't even understand what she was saying half the time she was just yelling and cussing. If it happens again I will record the call and post it on social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear sir or madam, I just recently paid off a to the collection XXXX agency which is sold by XXXX XXXX creditor. We both agree that the once its paid off that this would be off my credit. XXXX agreeded and is off of my credit on Experian, but if XXXX has sold my debt to XXXX then they should be on my credit as well because its paid off and account is mark satisfied. I request that all the 3 credit beureaus delete XXXX from my credit file. 

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 2018-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL

Complaint narrative:
For the last few months I have used money gram to send money to my fianc who is attending school in a small town that does not have our credit union. However today when I sent him {$1200.00} for a deposit on a house moneygram classified our transaction as a scam. Even though I answered all of the questions and even told them they could call the real estate agent to verify. They said my partner of 11 years was potentially scamming me therefore they could not reslease the funds to him. Then for the icing on the cake they informed me that they would not refund my money for 3-10 days. Holding my money and no doubt gaining interest for 3-10 days. Not sure about the rest of you but {$1200.00} is a big deal in our family of 5. Needless to say no amount of logical explanation was taken into account. So advice to anyone thinking about using this system dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I do not have a contract with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
Hello How are you doing I was having a problem with PayPal. A consumerfinance complaint was filed and I was talking to PayPal and the paradise was told that I was allowed to withdraw the funds in an account on XX/XX/2018. An email was received by PayPal telling me to allow me to withdraw money from My PayPal Account You have entered my PayPal account to add Visa Card to withdraw the amount from the account but when I enter the card information I receive a message that you can not withdraw the money because the account has restrictions and can not be withdrawn Contact the customer service agent to find out why you told me The employee will be contacting the president 's branch company to find out why she is not On the withdrawal of funds and told them that I want to cancel the email added to my account in order to get money because I work in profit sites from the Internet on a regular basis and this company send me money through PayPal, but you must enter the email in the account of PayPal in order to add money She told me that the president 's branch would be contacted and that a complaint would be made to solve the problem. I was told by a message from PayPal that when I looked at my email I received a message from PayPal telling me that I could not withdraw the money after 180 days. The money back if he wants to ed The funds are illegal in the accounts and did not respect the words that I tell you, and told me in the same number XXXX the case that tells the PayPal that I have been to allow the withdrawal of money These photos about the messages that I received from PayPal have been attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP MORGAN CHASE CREDIT CARD REWARDS COMPLAINT On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was in the process of redeeming my XXXX reward points on the Chase Sapphire Preferred credit card when the online system kept on returning an error message each time I was ready to execute the final checkout step. My points are worth {$5200.00} if redeemed for air travel. The error message on the screen informs customer to call the customer service number on the back of the chase credit card. 

However, once the customer service picks the phone, they transfer customer to the travel agents. The travel agent then prefers to complete my booking manually and gets the same error message from their side. The travel agents then transfer me back to customer serviceand the run around recycles. The courteous travel agent decided to transfer me to a supervisor at that point. 

I decided to file complaint after three rounds of the same results when the initial supervisor ( XXXX ) concluded the problem was not with the Chase Rewards systembut was with the vendor ( XXXX XXXX ) and therefore it was best for me ( the CUSTOMER ) to call the VENDOR directly to book my trip. I was at loss of words and after much thought requested to be transferred to the CEOs team charged with handling complaints but was instead transferred to another supervisor ( XXXX ) who understood my problem but could only give me a fax number to the CEO team. 

In my opinion, Chase Rewards online system has a glitch that they need to fix before it becomes a big thing. Also, one may begin to wonder if they Chase IS deliberately trying to fleece customers of accumulated points ... ironically, I don't believe Chase has liquidity problems. 

Thank you, MEMBER-CHASE SAPPHIRE PREFERRED CREDIT CARD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a voicemail today, XX/XX/XXXX at XXXX CST stating that my immediate attention was required requiring file number XXXX in reference to a complaint that may be filed against me. I was informed to call XXXX to discuss pending allegations. Failure to correspond would result in the department proceeding forward without my consent. 

Not only did they call me, but they have called my uncle in XXXX, a brother and his wife ( both at home and at work ) in XXXX. At this point, I don't know who else they may have contacted. 

When I first called, I only gave the referenced file number, but refused to confirm my full name and last 4 digits of my social. I then asked for them to mail me whatever it was they had on me, and the woman hung up on me. 

After hearing from my uncle and brother, I decided to call back. I immediately asked the name of the company and was told by XXXX XXXX ( XXXX ) that it was XXXX  XXXX  out of XXXX, XXXX. I was also told that I had a pending civil law suit against me for a JC Penney credit card ( owned by GE Money Bank ) and that the account was left unpaid and in collections, until it was charged off in XX/XX/XXXX. They also informed me that XXXX has a statute of limitations of 4 years, but that it wouldn't expire until the end of XX/XX/XXXX. I was told they were already in pre litigation and would be charging me with a 10 year civil judgement. They said I had the ability to settle out of court for the amount of {$320.00}, but if we went to court it would be {$2000.00}. 

I again asked for this information to be mailed to me, but was told they could email me immediately, once they had permission from the lawyer. While I was on hold waiting for this to happen, I pulled a copy of an old credit report that I ran on XX/XX/XXXX by XXXX. The report then clearly stated that I had a credit limit of {$200.00}, a high credit of {$52.00}, a balance of {$0.00} and a past due of {$0.00}. It also shows that this card was paid on XX/XX/XXXX, closed on XX/XX/XXXX and verified on XX/XX/XXXX. Once the woman came back on line, I told her this and that I wanted to dispute the claim. She said that it didn't matter, that they would go off of their records and not mine, and said that I could reach out to JC Penney for verification, but that they would delay filing this in court until tomorrow. 

Now that I have the name of the company, I XXXX them and found several other people claiming that this was a scam, that the company was using old debt for a quick buck to " settle out of court. '' It looks like they also go by XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX, and that they're a phantom group for XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2018 Bank of America took {$660.00} out of my personal account.. regarding towards a closed account that ending in XXXX.. that I have been trying to work with them but they wanted for me to pay amount that I couldn't afford.. I already have a case complaint with you guys and the number is XXXX. I also reach out to a company called XXXX XXXX and I spoken to XXXX to see if she can help ..which my case file # XXXX and her direct number is XXXX Ext. XXXX and she calculated all my expenses and my income and she said I barely break even..Bank of America know XXXX have been struggling for a while. The money that I had in my account was for my car payment and phone bill and gas..that is due on XX/XX/XXXX and Now my account is going to be in the negative because I don't have the funding to cover my charges..I don't understand how they can do that..

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 2018-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Lincoln Educational Services Corporation
State: IN

Complaint narrative:
The department of Education started garnishment of my employment wages for {$12000.00} XX/XX/XXXX I do not accept the debt under proof of claim because XXXX XXXX XXXX neither the department of Education have produced any original documents that I signed as proof that I owe anything I contacted the department of Education on XX/XX/XXXX to find an {$8500.00} balance and more uncooperative conditions by the department of Education I tried to stop further financial damages I coresponded certified mail an overpayment of {$15000.00} to cover the balance, processing and administrative fees payment was kept by the department of Education but the account was not credited garnishments of my wages still continue rendering bad credit reporting to the Credit Bureaus I coresponded by phone to the department of Educations collection agency stating I shouldnt have to pay a debt I dont owe unless hard wet ink evidence is provided not a fabricated copy nor should I have to continue to pay a debt I already paid in full the collection agency forwarded me to the department then I was forwarded back to the agency followed by coresponding a letter from the department limiting my communication to the third party collection agency only.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: CL Holdings LLC
State: OH

Complaint narrative:
I do not have a contract with this collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I do not have a contract with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
to whom it may concern upon further investigation, i have retained copies of my new credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law.you are required by federal law to place to a notice of dispute on my account within 30 days of my dispute which you signed for on XXXX/2018. i have retained a copy of your signature and date of receipt, as well as a time stamped copy of my credit reports, showing that you have violated the fair credit reporting act, section 623 ( a ) ( 3 ) and/0r the fair Debt collections practices act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period i took the final goodwill attempt to have you clear up the matter the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. ( 3 ) Duty to provide notice of dispute. if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any reporting agency without that such information is disputed by consumer ( b ) time notice ( BI ) the notice require under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p )

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 2018-05-16 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: PA

Complaint narrative:
to whom it may concern upon further investigation, i have retained copies of my new credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law.you are required by federal law to place to a notice of dispute on my account within 30 days of my dispute which you signed for on XX/XX/2018. i have retained a copy of your signature and date of receipt, as well as a time stamped copy of my credit reports, showing that you have violated the fair credit reporting act, section 623 ( a ) ( 3 ) and/0r the fair Debt collections practices act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period i took the final goodwill attempt to have you clear up the matter the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. ( 3 ) Duty to provide notice of dispute. if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any reporting agency without that such information is disputed by consumer ( b ) time notice ( BI ) the notice require under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p )

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 2018-05-16 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: CA

Complaint narrative:
XXXX XXXX shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.

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 2018-05-16 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
My XXXX  credit card was used fraudulently in XX/XX/2015. I had no idea the card was used. By the time I found out, I paid the balance but XXXX put a 30-59 day late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have student loans managed by Navient. I had difficulties repaying my loans, on XXXX I spoke to a representative-XXXX  XXXX and was enrolled in the Rate Reduction Program for 6 months. I was told only one account ending in XXXX would not be enrolled in the program and I would have to make separate payments to this account. I continued to receive phone calls after the first payment of {$420.00} was made on XXXX. I was also told by XXXX XXXX on XXXX, that the while in the Rate Reduction Program, my account could be reported to the Credit Reporting Agency ; however after my 3rd payment I should call and have it removed. I continued to receive phone calls from " Sallie Mae '' on my caller id regarding my loan. I called on XXXX, regarding ongoing calls from Navient. When I called I explained I was enrolled in the Rate Reduction Program and questioned why I was being called. I was then told that the amounts given was not correct and a different arrangement had to be made. The new arrangement was {$360.00} monthly and account ending in XXXX would be paid separately each month. On XXXX-I received an alert from the Credit Reporting Agency indicating that my the was 30 days past due. I contacted Navient and was told that I needed to send a letter to their Credit Bureau office. Approximately a week later, the negative item was removed from my credit reports before I sent in the dispute to Navient. Then on XXXX, I received an alert indicating that Navient reported my account 90 days past due. I immediately contacted Navient and was transferred to the " Federal Loan Department ''. I spoke to a representative in the " Federal Loan Dept '' ( Representative XXXX ). I was told the account reported was my Federal loan and not the private loans. I was told that when I made the arrangement for the Rate Reduction Program, it was only for the private loans and they " can not see '' the federal loans ; although all my loans are managed my Navient. I was never told that the federal loan was being managed separately from the private loan. In the past when I enrolled in an income based repayment plan all loans were included in the plan. I had several phone conversations with Navient and at no time was I made aware that they could not " see '' my federal loan. When I explained to the representative that this was not explained to me ; he was dismissive and indicated that it would be very difficult for me to have this negative item removed from my credit report. This is an ongoing situation with Navient where conflicting information is given to customers by their representatives. This situation is stressful, time consuming and I feel hopeless. I took the necessary measures to responsibly take care of my account only to be provided conflicting and misleading information. I appreciate your attention and assistance in this matter. Thank you.

Company response to consumer: Closed with non-monetary relief