vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Several months ago, I was contacted by XXXX XXXX XXXX in XXXX XXXX CA about a debt they said I owed to PayPal. I filed a complaint with the FTC and thought this nonsense was over. The debt collector stated that the address for the debtor was for a XXXX XXXX in Texas. I have never lived in Texas and never had a PayPal account. This morning the same person who harassed me before called my XXXX year old mother in Michigan looking for me. I do n't know how he obtained her phone number. My mother called me in a panic and told me about the call. I called the company and the person who answered was XXXX XXXX. 
He did not sound like a XXXX XXXX since he did not speak English very well. I had filed a complaint with you before so I would like this harassment to stop. I do not owe this money since I never lived in Texas and never had a PayPal account. This also happened to my sister a few years ago with a fake PayPal account. She had to give them a list of addresses she lived in but the harassment finally stopped. 
I also want to know how they even got my mother 's phone number since she lives in Michigan and I live in California. I do not even have the same last name is her since she remarried in 1990s. 

Thank you for your assistance.

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 2017-10-31 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: Nelnet, Inc.
State: AZ

Complaint narrative:
I became XXXX XXXX in the U.S. XXXX XX/XX/XXXX. 
As part of signing, I was promised $ XXXX ( before taxes ) via the Student Loan Repayment Program. 
On XX/XX/XXXX I emailed my loan servicer, Nelnet, at " XXXXXXXXXXXX '' with completed JASLRP ( Judge Advocate Student Loan Repayment Program ) forms for Nelnet to sign and forward, along with my promissory notes for loans, to the Pentagon for processing. 
On XX/XX/XXXX I received confirmation by Nelnet, via email, that my JASLRP forms were received and would be forwarded to the appropriate military office address within about one week. 
Sometime in XX/XX/XXXX I received a packet from Nelnet with a copy of my JASLRP forms and a letter stating that these forms were a copy for my records. Upon further review of the copied documents, I noticed that the loans I had identified to be paid off first ( those with higher interest and principle ) were edited so that lesser loans were identified to be paid off first. This is despite clear instructions that I included stating not to edit that information. 
On XX/XX/XXXX I was informed by the U.S. XXXX that my JASLRP forms were never received by the Pentagon. 
Later that day I phoned Nelnet to inquire about the status of my JASLRP forms. I was informed by a Nelnet representative that despite their policy that those forms were to be sent to the Pentagon, they instead did not send them.
As of the writing of this complaint, neither Nelnet, nor the U.S. XXXX has agreed to solve this issue satisfactorily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Company calls me all day long. I 'm working and my phone goes off maybe like 10 times while I 'm working. They call me from XXXX am to XXXX. They keep harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have lost my Wells Fargo XXXX XXXX XXXX Credit card on or about XXXX/XXXX/XXXX. I was not able to found out about the card being lost/stolen until XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. I called and reported my card being lost with all the fraud activities. There were hundreds of fraud activities on my card from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX totaling almost XXXX The reason why I was n't able to notice it for so long is because I was a victim of XXXX XXXX and my house got flooded. I had to stay at my friend 's house for couple of days. Then I got really busy with work, home insurance, contractors and fixing my house. 
After few days after I reported my card being lost I have received a letter from Wells Fargo stating that my claim has been denied because there was a transaction made after I reported the card lost/stolen. I Do not agree with the decision as there is n't any transaction after I have reported my card lost/stolen and if there is any I am totally unaware of it. There might be a possibility that the transaction was made earlier but posted by merchant later. I called Wells Fargo and I was told that one of the transaction was approved by my phone thru text message. I am unaware of that and I did not approve any transaction. I was at my friends house then I moved to hotel as well, any one can have access to my phone. 
All of the transactions that were made from XXXX XXXX, XXXX thru XXXX XXXX, XXXX are fraud and were not authorized by me. I would like to request the proof or documents of the investigations. Also, I would like to request to re-open and reinvestigate this claim as this is not fair with me to be reliable of paying for such a big amount which I never made transactions of. I am not willing to pay a penny towards these fraud charges as I never authorized those transactions. 
I will be reporting this fraud to all the credit bureaus. I truly believe that Wells Fargo employees still putting their customer 's identity on sake and not what they suppose to do.

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 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: WI

Complaint narrative:
This debit was paid sometime last year & if there is a new account it 's bogus! 

Account Details Last Reported XXXX XXXX, 2017 Collection Agency DIVERSIFIED CONSULTANTS INC Original Creditor XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Account. 
Balance {$260.00} High Balance {$260.00} Remarks -- Creditor Contact Details DIVERSIFIED CONSULTA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX, 2017 I disputed the tax lien that equifax has been reporting on my credit file. Each time I dispute this item they say it has been verified but refused to provide me with the person name and number who verified this tax lien. I have a freeze on XXXX XXXX and the court house itself did not furnish any information to the credit bureaus. Equifax has claim on many occasions the furnished is the recorder of deeds, magistrate or municipal court. Which is all a violation of the XXXX to report false information and claim to get information from the court, when it is actually obtained from an unnamed 3rd party which can easily be considered false information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX 2016 I had a fraudulent charge of more than {$2500.00} from a ticket vender.I didnt make or authorize the charge.I reported the charge to Citibank Brooks Brothers in XXXX XXXX a few months I was refunded the charge, but it keeps showing back up on my statement.I have been wasting many hours on phone with Citibank customer service for over one year, still have not resolved problem

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 2017-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
For the fourth time, XXXX XXXX XXXX XXXX has given my identity and private information to another collecting agency. I have solved disputes due to collecting agencies ' and XXXX XXXX XXXX XXXX 's failure to verify debt. 

On XXXX XXXX, XXXX, I received a letter from Phoenix Financial Services LLC demanding XXXX dollars. 

The account number is XXXX, Creditor Account Number is XXXX, Original Creditor is XXXX XXXX XXXX XXXX and date of alleged service is XXXX/XXXX/XXXX. The letter informs that XXXX XXXX XXXXXXXX XXXX XXXX, current creditor, purchased the account and has placed the account with Phoenix Financial Services LLC for collection. 

So, for the fourth time I do not owe such debt because I never received such services. 
I am disputing the above-referenced debt. Please verify this debt as required by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Section XXXX ) and New York City Administrative Code ( section XXXX ). New York City regulations require all debt collectors to send specific written documentation verifying the debt. Under section XXXX of the Rules of the City of New York, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, I AM A VICTIM OF IDENTITY THEFT and according to the information you sent me I never received such service for which Im being charged in the first place. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported this debt to the credit reporting agencies PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the XXXX and the XXXX XXXX XXXX XXXX 
Aside from verifying the debt, do not contact me about this debt. The XXXX and Rules of the City of New York ( section XXXX ) require that you honor this request. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX CONSUMER ID : XXXX Dear Senior Officer, I, XXXX XXXX, hereby declare that XXXX XXXXXXXX XXXX has defamed my reputation by reporting several accounts. Furthermore, XXXX XXXX XXXX keeps slandering and abusing me. I hope you can righteously restore my reputation and help me recover from this grevious crime committed by this institution by deleting all inquiries and accounts from XXXX XXXX XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: ERC
State: VA

Complaint narrative:
On XXXX/XXXX/17 I Disputed both accounts # XXXX and XXXX in which ERC received on XXXX/XXXX/17 and they did not list account # XXXX in dispute! They also responded to the dispute of account number XXXX on XXXX/XXXX/17 which is well over the time allowed! In regards to both account numbers ERC sent out alleged Bill statements which is incomplete, and has no break down of inaccurate amounts, They did not provide me with any competent evidence bearing my signature, showing that I have some contractual obligations to pay them like I respectfully requested. Nor have I ever agreed to any terms or monthly payments with them. They are still updating their defaming activities without providing me with any proof bearing my signature and REPORTING INACCURATE AND INCOMPLETE info TO ALL Major credit BUREAUs as of today! 
SUCH AS : INCOMPLETE Account numbers, payment history MISSING Dispute status, monthly payment, high balance, limit, account status INACCURATE Account names, monthly payments, High balance, terms, Balances, Past due, Date open, AND Account type WHICH list [ collection-non specific ] W/XXXX AND list [ Other ] W/XXXX Similarly, telephones are often used for business purposes. This includes cell phones, and even land lines that are located in residences, which might be used for home businesses. To identify whether a debt was incurred, the starting point would be looking at the charges reflected on the monthly phone bills. If the bills can be obtained, the charges will not be self-explanatory. Once again, the debtor would need to be deposed in order to determine if each of the charges is properly characterized as business or personal. 
While some unpaid obligations will always qualify as a debt under the XXXX, many will not. Collectors should examine each case individually to determine whether a debt was incurred and whether the Act applies. 
DOES NOT QUALIFY TO FALL UNDER DEBT as stated under XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: Accurate Background
State: CA

Complaint narrative:
On background check and credit report I have address that I have never been to. I have never lived at that specific address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MNE Services, Inc
State: MS

Complaint narrative:
10/30/2017- This company asked me to purchase a {$150.00} in XXXX cards in order to secure my loan via XXXX XXXX at XXXX XXXX But the company representative told me that I needed a {$100.00} dollars more and kept harassing me to borrow the money. That was my last {$150.00} that I had to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
after 6 calls and told each time they were going to fix problem on their end. i keep getting late payment foreclose notices. i have not missed a payment, my auto pay paid one 2 days earlier due to a XXXX requiring early payment, my payment have bee moved up 3 times, so if a payment falls on a weekend or non working day, its applier earlier month or late. changes make auto pay since they bought my loan, i have change auto pay, after the fact, with it extra late payment, but paid still in grace period.fixing issues is and having them follow through is the main problem. it took 6 month to fix last issue, and i got foreclose notices every week. for months after the corrections.they applied the extra forced escrow payment to the wrong place even after they refused to reapply the extra principal pre paid to escrow. both in wrong account. i over pay my amount by {$75.00} for the last 10 years to cover escrow and other unseen issues. 
i have had to pay XXXX extra escrow due to prior mortgage mistake. my payments went up XXXX $ and still have not returned to normal amount even after i paid mistake amount. i hoping to sell home but need to get them to really fix problem. late fees are removed and re issued on next bill, im told they will address issue but problem goes on.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Saturday, XX/XX/XXXXmy roommate transferred me {$2000.00} using the Chase mobile banking app, as she had done many times before. I have a Chase bank account so the transfer should have gone through immediately, as it is supposed to. 
About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. 
We both went into a Chase and they said not to worry and just to wait a few days. 
After a few days, we contact Chase and they say we have to contact their claims department to get the money back. 
My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXXXXXX XXXX has to do something. 
For the next two months, we go back and forth between XXXX XXXX XXXX and Chase trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. 
The transfer was done using XXXX, which is a third party company that Chase and many other banks use so we also contact them after giving up on Chase and XXXX XXXX XXXX. 
Both XXXX and XXXX XXXX XXXX say this is a Chase problem since it was done using their app and since we are both Chase customers. 
Chase refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! 
They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and Chase. 
Both banks STILL wo n't cooperate even with the police! 
I even called the Chase Executive Customer Service number and submit a complaint on the XXXX of XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. 
Please help!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
This is a complaint against XXXX, inquiry date : XXXX XXXX2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MT

Complaint narrative:
I received a notice from Sunrise Credit Services. It bears an SCS Account Number of XXXX. It references an alleged debt owed to XXXX XXXX XXXX. I owe no bill to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, and they indicate I owe them no debt. I called Sunrise and was informed that the debt was valid, that I needed to prove that it was not, and that they and I would be touching base in a few weeks. I asked them to prove that I owe what they say I owe. The Sunrise representative I spoke to would not do so. Please assist me.

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 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, i had financed a laptop for my wife for her birthday from best buy, i put more then half down i think it was XXXX $ around there, then i can back maybe a month or two after and paid it off in full in cash, either i got robbed by the person that was at the counter or best buy robbed me because i paid it off and now its on my credit score. 

NOT COOL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

NEVER AGAIN!

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 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a complaint against XXXX, inquiry date : XXXX XXXX/2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

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 2017-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
XXXX XXXX has called me several times and misrepresented themselves as an attorney or attorney 's office. They left misleading messages on my cell phone and called at inappropriate times on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation