vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I reached out to Ally 's fraud department on XXXX and spoke with XXXX and XXXX. They tried to say the debt an auto loan from XX/XX/XXXX belonged to me. I asked for pictures, video, and documents showing the account belonged to me. The gentlemen said the information ( proof ) was sent by mail back in XXXX. I have never received anything in the mail. The company has tried to scheme payments through a collection agency as well. I was told to contact XXXX who was not very much help but referred me to this department.

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 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My housing lender had told me to establish some credit that I can get my husband to put me on his credit card as an authorized user and he did so and it boosted my score on both XXXX and Equifax but then a month or so later my Equifax score was 0 called and they said they couldn't identify my identity so I sent them what they asked for then I asked about my report they said I had no establishing credit or score but yet I had already gotten pre approved for a home loan using both XXXX and Equifax now they said that they never had a report on me when I logged onto XXXX XXXX it shows when they had a score for me I called and tried to get it fixed they wouldn't so now I'm stuck without getting a home that me and my husband has been waiting forever to get now so I wanted this issues fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
XX/XX/XXXX Federal tax offset amount {$1000.00} XX/XX/XXXX Federal tax offset amount {$4800.00} XX/XX/XXXX Federal tax offset amount {$5600.00} XX/XX/XXXX Federal Tax offset amount {$3700.00} XX/XX/XXXX Federal Tax offset amount {$4600.00} XX/XX/XXXX loans were consolidated by XXXX no business was done with XXXX prior to those dates. 
Payments were made during that time low interest rates occurred. Due to hardship loans were written off in XX/XX/XXXX. XXXX claimed they did no more reporting to the 3 Credit Bureaus after XX/XX/XXXX. Information was altered after that date per all 3 Credit Bureaus. What was once a signature loans made with a Bank was changed into XXXX as far back to a from XX/XX/XXXX During the Tax Years from XXXX XXXX- XX/XX/XXXX there has been a federal Tax Offsets. Totaling the amount {$19000.00}. I have contacted the Company Educational Credit Management Corp for any proof or a copy of Judgement that was ordered by a court. I have never received no response. Per XXXX Credit report it states the amount {$25000.00} that Educational Credit Management claims is closed and hasn't been updated since XX/XX/XXXX. Per XXXX   it states Loan ( 1 ) with XXXX is 100 % paid and closed and Loan ( 2 ) with XXXX is 100 % paid and closed. 

Due to recent events of Someone ( s ) attempting to use my personal information to apply for loans ( fraud ). I have received documentation in XX/XX/XXXX from XXXX XXXX and XXXX  that there are no outstanding credit card debt or outstanding loans owed. As well as a falsified Address being used in another State ( XXXX XXXX AR ). But yet Educational Credit Management Corp continues to take my Federal Tax return just as recent as XX/XX/XXXX. When I spoke to a Representive/Supervisor after XX/XX/XXXX she said I will never get my money back and she said I still owed well over {$26000.00} I am also sending a link of complaints filed with the XXXX XXXX XXXX from other consumers. 

XXXX XXXX XXXX Resolutions is I have made request for documentation for any Court Ordered Judgement, dates of proceedings and amounts which I have never received. 

I have requested the amount of {$19000.00} to be repayed to me which I was told I would never get my money back. 

I would also request that the other consumers complaints be investigated as well.

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 2019-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I made a motel reservation for XX/XX/2019 thru Wyndham XXXX XXXX for a reservation at XXXX, Iowa. I was offered {$50.00} off my room reservation of {$75.00} ( includes taxes ) if I signed up forfor a TOTAL OF {$25.00} which I accepted enrollment in the Wyndham credit card. ( confirmation # XXXX ) Upon checking in at the motel I was told I had to pay FULL PRICE - not the {$25.00} total due which was shown on my confirmation upon enrollment of the credit card. I told the manager I was to get {$50.00} off but he said it did not apply. I don't appreciate this type of scam, dishonest, type of promotion. So I requested Wyndham to PLEASE CANCEL THE CREDIT CARD IMMEDIATELY. XXXX XXXX, Minnesota

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 2019-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX a company I never heard of under confusing multiple names ( Halsted, XXXX XXXX XXXX ) that I do not owe but they claim they took over as I do not owe them anything indicated they are XXXX XXXX XXXX XXXXXXXX XXXX. WHile they threatened me that they will take legal action, damage my credit report. They also indicated I had to make a minimum of over XXXX on both acts as I informed them I wasnt working and in a hardship, they continued to move payments down to {$10.00} a month. I had no idea I could dispute the accounts until last month. They said I am required to provide my routing number and act number including my bank card number or they will pursue action. I provided this info to them as I was very afraid and felt threatened. First Payments were set up to take two {$10.00} payments ( XXXX and XXXX ) on XX/XX/19. I uploaded copy of the terms showing XXXX pmts set up and email, However instead they took {$19.00} on XXXXI did not authorize either payment. I called Halstead the day of and spoke with a male, XXXX accent, could barely understand what he was saying. He did say that I will be charged a ten dollar fee every month which was included in the payments, I said how dare you, you have no right nor did I authorize this. He hung up on me. I also sent a letter disputing both acts on XXXX XXXX, this company continued to take funds from my act,. I was charged overdraft fees, see proof for 2 months as to date. The refuse to leave my account alone. They have no right. I have been charged over XXXX in od fees as they refuse to cooperate and doing nothing but jeopardized my checking act where other transactions are not go through. I informed XXXX XXXX that these are illegal unauthorized transactions. First of all I never agreed to pay this company and extra XXXX fee for monthly payments so they can get rich. I have disputed both acts and the balance on these acts are false and nothing but a scam. They refused to provide me a copy of the agreements with XXXX and XXXX XXXX, refused to show my signature along with the bond showing they have the right to collect. They have caused me stress and issues with my checking and other acts by their lies and scam. They owe me over XXXX in od fess as to date.as Im tired of the threats and going into my act every month to take unauthorized funds. Not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
This is an on-going problem that has become " ROTE '' and Repetitious with this student loan debt collecting agency called PHEAA or Pennsylvania Higher Education Assistance Agency. On XX/XX/XXXX I received another Wage Withholding Notice which make 3 within 8 months. No response to my request for a Hearing on each notice. And, no response to the legal documents, forms and letters sent out " Certified Mail '' with each notice. The Packet I sent out on XX/XX/XXXX, " Certified Mail '', to PHEAA and the Credit Dispute Resolution Lead, included incriminating student loan documents taken from my original Files/ School student loan Records. Indicating my Private Loans were consolidated with some Federal Loans. My type of loan, the loan holder, balances, fees, penalties, interest and principle had been altered, lined through, crossed out with defaced manual entry ( s ) listed throughout the documents. This occurred without my knowledge or consent and is indicated on each document page. These records/documents date back to XXXX through XXXX. When my student loan exchanged hands between, my school, The University of XXXX XXXX and my loan holder, XXXX XXXX and was presented to me in XXXX. I questioned the validity of this loan, when I received my first payment notice. I made it known to the XXXX XXXX XXXX XXXX XXXX and filed a claim and sent out letters to various reporting agencies. PHEAA, as it was disclosed to me, has had in their possession, my private loan information as well as the altered documents. Yet, XXXX XXXX previously informed me that a " Disgruntled Employee '' had " Stolen '' my student loan records along with others ' exposing my personal  and private Data. PHEAA and its affiliates denied this ever occurred. The supporting documents I sent PHEAA validates my claims and reports of Fraud, mishandling and altering my student loan documents as well as the harassing ROBO calling, notices, threats and scare tactics I continue to endure from this agency and its affiliates. The Recurring Collection/Contractual Violations I am experiencing from PHEAA, along with the number of recent Debt collection calls asking me to apply for a Forgiveness or negotiate reasonable payoff is a Direct Violation and I reported these calls the the FTC with the random/sequential numbers and third Party collection agencies involved with PHEAA. I am convinced PHEAA and its affiliates ' methods follows the form of a Ruse/Disguise to achieve its Abusive/Deceptive Predatory collection practices. Included in the Packet I sent PHEAA on XX/XX/XXXX is a Form for False Cert/Discharge. This is my third time sending this Form to PHEAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/19 PNC Bank charged me an overdraft fee three times despite the fact that my account had a positive balance of {$19.00}. Those three fees ( {$36.00} each ) caused my account to be overdrawn, which then resulted in a cascade of additional fees, totaling {$390.00}. My account is now overdrawn {$680.00}, with {$390.00} of that being fees charged by PNC. PNC refused to refund the fees when I contacted them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I was sending a transaction payment for {$63.00} via PayPal at XXXX XXXX on XXXX XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I pay all my credit balances electronically from my account with XXXX. Payment paid electronically to credit card companies have always been credited to my credit card account same day payments are paid/received ( value date of electronic payments ). 

Only Synchrony credits my credit card account 3-5 days after date of such electronic payment is receipt. As a result, my account receives late fee of {$27.00} plus interest on the late payment. 

To be specific, XXXX paid my credit card balance electronically value XX/XX/2019. 
Credit card payment was due on XX/XX/2019. 
Synchrony bank applied my payment to my account on XX/XX/2019 and charged me late fee and interest. This doesn't happen with any other credit card banks. 
Synchrony bank should apply any amount received to customer 's accounts with them same day as they have been electronically received. 
I'm quite sure Synchrony bank does such practice with all customers, ending up collecting unfair late fees and interests from its customers.

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 2019-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I closed my Chase checking account online on XX/XX/19 via Chase 's secure messaging system, and requested to have the remaining balance sent to me by check for the amount of approximately, {$2100.00}. I was told the check would be sent out within seven business days. I never received the check and recontacted Chase via their secure message system on XX/XX/2019 to inquire on the status of my check. I was told again it would take seven business days until a check would be sent out to me, which I responded that I had already waited well past seven business days. I was then told the next day that I needed to physically go into a Chase branch to fill out a for for Declaration of Lost, Stolen, or Destroyed Cashier 's Check, and have it notarized. I initially refused because my work schedule does not allow me to easily go to any of Chase 's branches. However, I relented after a few days, due to the stress this situation was causing. After going into the XXXX, Virginia Chase branch on XX/XX/19, I waited for service for about an hour before finally speaking with a representative whose name was XXXX XXXX. XXXX told me I would have to fill out the form, and that I would be able to get a new check that day in the branch. However, after filling out all of the paperwork, I was then told that I could not actually receive a check that day, because I had cancelled the account online, and not in a physical store. This seemed absurd to me since I was physically in a Chase bank, and Chase should be able to cancel their own checks, and write their own checks, or so I thought. Regardless, I left after being told I would have my check overnighted to me most likely by Tuesday ( XX/XX/19 ), and that someone would contact me on Monday ( XX/XX/19) - neither of these things happened. Additionally, I contacted XXXX using the business card she gave me on my trip into the branch on the following Saturday (XX/XX/19 ). Her coworker answered her phone and told me she would be busy all day and would not be able to contact me until Monday. I asked XXXX 's coworked if she could inquire about my check, to which I was told she could not, and that I would have to wait until Monday. At this point, I am very concerned that I will not be receiving my funds, which I have been waiting for for nearly a month since closing my account. I don't know if the incompetency of Chase 's checking/mailing system is something that can be fixed, but I am contemplating getting a lawyer if I do not receive my check by the end of this week. I have spent hours on the phone, writing emails, going into Chase 's branch, etc, all for the purpose of trying to get my money back. This is completely unacceptable and I don't know where else to turn from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/2019 i was notify of a collection from Commonwealth financial system i have no knowledge of this company i have never signed a contract with this company i have never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY A is reporting 2 collections account to my credit ( XXXX ) i do not own this debt and i called them and they said yes you do not have an account with us but theu still reporting the debt.

this 2 collections hurt my credit and stopped me from getting Mortgage.

i would like this 2 account to be removed asap. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: TX

Complaint narrative:
Equifax is reporting 2 collections from XXXX XXXX XXXX. 
I spoke to Equifax and start a dispute but i was told this account will stay in ur credit file even if XXXX XXXX XXXX did not respond to us within 30 days they will close the case and accounts will stay and it is against my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: TX

Complaint narrative:
Sent dispute letters to TransUnion, XXXX  & XXXX  asking for verification ( original wet live signatures ) on ALL ACCOUNTS on credit report. No information was provided on how accounts where verified, did not receive original wet live signature contract copies as requested on dispute. 

On XX/XX/2019 dispute letters where received by all 3 credit bureaus mentioned above. 30 days after receipt I was given no information on how the accounts on my credit report where verified nor was I given a copy of a wet live signature that binds me into contract with any of the accounts reporting on my credit file. I have attached a photo of the certified mail receipts.

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 2019-06-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Hello last month I sent letters informing all 3 credit bureaus that inquiries on my credit report was not recognized by me and they did not remove or validate that I authorized these inquiries. I then received a letter on XX/XX/XXXX that all three credit bureaus system was breached from XX/XX/XXXX and XX/XX/XXXX. Attached is the letter showing that their system was breached any debt and inquiries on my report that were closed or derogatory or could possibly negatively effect my credit need to be removed immediately as you have recognized that the security of your company has been compromised and put me at risk this is in violation of FCRA if this is not going to be honored. Inquiries below should be removed from Equifax. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  not recognized and also does not show the original creditor. This is in violation of FCRA guidelines. 

Also attached is the screen shot showing that Consumer Portfolio was removed by not removed from my report still showing as closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also attached is XXXX  showing contradictory information which is a violation of FCRA shows bankruptcy filed on different dates that information must be consistent showing XX/XX/XXXX and XX/XX/XXXX. Please delete this information immediately, for XXXX XXXX, XXXX and XXXX XXXX. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Expressed closed all of my card accounts on XX/XX/2019. I had been a loyal American Express customer for over 2.5 years and had a 99 % payment rate for all of my cards. Prior to closing, I held the American Express Platinum Card, the American Express XXXX XXXX Card, the American Express Business Gold card, as well as the XXXX XXXX XXXX Card. However, I had made a large purchase with my cards ( some XXXX for my family ) that American Express deemed suspicious. As a result, American Express put my accounts under financial review. I cooperated with American Express and the IRS and provided them with as much information as I could to help alleviate any confusion over my accounts. I had filled out the form 4506-T, the request for Transcript of Tax Return, along with the cover sheet to American Express. However, I had put the incorrect address on the form as I had moved and thus the request was denied by the IRS. After submitting the form to American Express, I had to conduct XXXX training ( as I am an XXXX XXXX service member ) which put me in a location where I was unable to receive any calls, texts, or emails. American Express tried to contact me but I was unable to be reached, and they closed all of my accounts as a result. Upon returning from training, I contacted American Express and tried to explain the situation to hopefully get my accounts reopened. However, they not only denied my request, they also denied my request to reapply for those same cards. Faced with no other choice, I have resorted to filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have received multiple calls regarding loan forgiveness programs that are available with the settlement of the Navient lawsuit. From my understanding this seems to be a scam. I'm not sure how I need to handle this but I am getting multiple, harassing phone calls. They ask for very specific information and try to charge a fee for their " services. ''

Company response to consumer: Closed with explanation