vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
I had an account with a company a called affirm when i opened up the account i had a the folowing phone number XXXX got two loans from them first one was XXXX and was pd on XX/XX/XXXX. i obtained another loan in XX/XX/XXXX and pd off that account on XX/XX/XXXX amt pd XXXX. I contacted affirm to try to obtain a new loan in XX/XX/XXXX but my phone number from had changed when i obtained the loan my phone number was XXXX now i had a new number I had notice there was another persons information on the account by the name of XXXX. I tried to update my information but the app was not user friendly i tired call affirm and update the information they asked me to update my email first then they would be able to assist me which i did XXXX. As soon as I did that with the company. I received a collection letter from XXXX dated XX/XX/XXXX for the amt of XXXX for a purchase they said i did XX/XX/XXXX and i received another letter from AFNI charges in the amount of XXXX they stated these charges XX/XX/XXXX. I told them I did not make these purchases they still sent me to collections and it is now being reported to my credit ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased an item on XX/XX/2020 via PayPal. As of XX/XX/2020 I have not received the item from the seller. I initiated an investigation with PayPal on another matter regarding the item. I advised PayPal that I was no longer interested in the item and contacted the seller to get a full refund. Furthermore, they advertised one price and charged me another. The seller apologized for the error and said they would make the adjustment, which never happened. I told the seller I just want a refund. PayPal does not have a way for consumers to speak to a live agent. They have a chat but the response time takes hours. I advised PayPal on XX/XX/XXXX I did not receive the items via their Resolution platform in the form of a message. The seller is suppose to have 10 days to respond. PayPal gave the seller additional time to respond and has not refunded my money back. According to a letter from the seller the item was shipped out on XX/XX/XXXX. They changed the category of my message and declined the claim. This is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had fraud on my target XXXX  card in XX/XX/XXXX after the issue of the fraud got fix than I notice theres huge changes on my account from not owing got to {$700.00} dollars and I made some purchases and made payment on XXXX and XX/XX/XXXX than in XXXX still calling to understand what is the sloppiness in my account as it didnt make no sense and why all my purchases for {$400.00} in XX/XX/XXXX that I purchased and returned by the store manager for XXXX one item was kept it went back as purchase and on that day XXXX XX/XX/XXXX I paid for the same items XXXX. XXXX which it was returned on XX/XX/XXXX and some random XXXX keep coming up on my statement several times as I was confused whats going did my best to get anyone to get help but nothing but run around silence, than in XXXX I got XXXX XXXX I called twice 2 different employees of target told me not to pay as my account under investigation as result I did make payment because I was told so first the account its not understandable waiting to get help on top of it in XXXX I realized target reporting me as missing payment how do I understand that called made payment of XXXX XX/XX/XXXX than than I made payment of XXXX per XXXX another target employee so I paid because I wasnt going anywhere today I want to get mortgage loan sure enough target reporting me on XXXX XX/XX/XXXX again as missing payment and I called to see whats the problem again XXXX supervisor told me she not going throu long as conversation you are XXXX  we not going to help you how is it my fault when I tried and paid something that I didnt feel its right and I didnt made decisions just not paying my bill with continued calls from XXXX to XXXX if XXXX seriously is that how target going to treat me after I been loyal customer never been late since XXXX all of the sudden Im late while Im trying to get help if Im in default I pay but to report me just because you refused to help me and giving me wrong information by target employees, Im still trying to understand my bill as how do I owe target such big bill and making me pay for something that was retuned, since I knew Im going to buy house I made sure I always pay my bills on time never be late sure enough my dream shattered due to big corporate selfishness and liar cheat and fraud target. Hopefully whom ever read this please help me as I never intent not to pay my bill specially in this pandemic why would you say Im XXXX without getting help. Moreover, I made two payments in XXXX XXXX XXXX and {$50.00} dollars on I believe XXXX XXXX but very very conveniently my XXXX dollar payment its missing as I paid cash in XXXX for both payments and so in XXXX or XXXX very very convenient. Greatly appreciate your prompt attention to this matter why target keep reporting me as 30days late. Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I wasn't allowed to make payment arrangements. I explained that this occurred in the middle of the pandemic. Paragon submitted to all 3 credit bureaus before the 180 days requirement. 

The debt seems to be a co-pay from my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear XXXX, I am not able to access my file. Via clicking the link below it is not working. I t giving me an error. I self identified twice and I sent a request via email but the link it is not working. I am not able to access my file for the dispute. 

************************************************************************************************* Your most recent Equifax reinvestigation has been started. This process can take up to 30 days to complete. For faster delivery of your results, you can now receive the results of your investigation online. 
To accept receipt of the results of your investigation online, please click on this hyperlink : https : //www.OptinOnlineDelivery.equifax.com/optin/jsp/optIn.jsp? DATI=1a9b553e1828fcc8e3d2c6faec82c9c4 Any reinvestigation that you have created within the timeframe of this request will be available for your review online upon completion. 

We appreciate your help as we work together to protect our environment by going green and increasing your account security with electronic delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax - their web site said my report wasn't available. I called, a male representative verified my information, and said to order my Credit Report again via XXXX  ( which I had already used ). So, I started it all over again, and it did the same thing ( my report wasn't available ) and to fill out a .pdf form, add copies of various personal information, mail it in, and I would get my report in 15 days. I decided to called the number on the .pdf form to find out why it wasn't giving me immediate access to my report. A very friendly lady asked me to verify my information again, and said " that's fine, but we still have to mail it to you and it will take 15 days ''. So, that is the way I left it, even though I needed the report immediately. There was absolutely no reason for my report to " not be available ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
The mortgage holder appointed me as his Attorney in Fact in writing. This gave me the authority to act on his behalf as if I was him. They mortgagee, Select Portfolio Servicing ( SPS ), Bought a forced placed insurance policy on the house from XXXX XXXX XXXX XXXX ( XXXX ) and charged the cost of the premiums to the mortgage holder. On XXXX a fire occurred and a claim was filed by XXXX XXXX XXXX ( XXXX ), a third party vendor that SPS hired to process the insurance claim. SPS required me to submit a copy of a signed contract with a licensed contractor and other supporting documents prior to authorizing us to commence the repair work and releasing a portion of the claim funds. SPS inspected our progress through a third party vendor throughout the stages of progression ( ie 25 %, 50 %, etc ). On XXXX we paid the mortgage off in full. We had a pending supplemental claims payment in the approximate amount of {$32000.00} that insurer would pay for additional work that was not included on the original estimate. On XXXX the insurer sent the final payments to XXXX. XXXX forwarded the checks to SPS via XXXX on XXXX. SPS has no record of receiving the checks. SPS refuses to ask the insurer to reissue the checks. SPS thinks that XXXX will help me based on the fact that I can present the paid in full letter that SPS gave to me when we paid the loan off. XXXX will not accept the paid in full. They insist upon receiving a letter or memo from SPS authorizing them to deal directly with us. SPS refuses to issue such a letter or memo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: WI

Complaint narrative:
On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from XXXX   XXXX XXXX XXXX. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted XXXX, XXXX, and Transunion on XX/XX/XXXX to file disputes. Then I contacted XXXX and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from XXXX XXXX on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted XXXX XXXX  and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

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 2020-06-23 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: WI

Complaint narrative:
On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from XXXX   XXXX XXXX XXXX. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted XXXX, Equifax, and XXXX  on XX/XX/XXXX to file disputes. Then I contacted XXXX and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from XXXX XXXX  on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted XXXX XXXX  and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from XXXX   XXXX XXXX XXXX. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted Experian, XXXX, and XXXX  on XX/XX/XXXX to file disputes. Then I contacted XXXX and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from XXXX XXXX  on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted XXXX XXXX  and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

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 2020-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
I have been having problems with Fedloan for over a year. I have sent them messages and been on the phone with them more times than I can count. They reported me as late many times when I was supposed to be on an income based repayment plan and my payment was approved at {$0.00}. Then, right about the time Covid 19 started or just before, Fedloan decided to report three of my six loans with them as delinquent. I then applied for a consolidation loan and asked that it be with them since my other loans were still with them. That was a mistake because they somehow denied my consolidation. My credit score has been so badly affected that my wife and I were recently denied a loan for a new home. I have worked for the same XXXX XXXX for 7 years and we pay our bills on time! There is no reason why this should be happening to me. They denied my application for public loan service forgiveness too. It has just been awful dealing with them. I need some relief and some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I pulled a copy of my credit report and noticed that a collection account from an unknown source appeared on XX/XX/XXXX. I have NEVER received any notification of any " debt '' as I have been a victim of identity theft. I have disputed this information several times and have not received any correspondence. I have filed a police report with XXXX XXXX Police Department Report # XXXX. I also filed an identity theft report with the Federal Trade Commission reference # XXXX. Below I listed the current report from my credit. In XXXX, it was another agency, however on my XXXX  credit report it says another company. I have attached three different credit reports that reflect different names. I have received returned certified mail from the " said '' collection agency. Also, when I called the number listed on the XXXX  dated XX/XX/XXXX report XXXX, I get a voicemail message stating that its a collection agency, but there isn't a name of said so called collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XXXX the XXXX I called TransUnion and asked the representative did they receive my dispute letters by mail and I was told that they did so I asked they why were they not doing an investigation.? I was told that they didn't do investigations on hard inquiries because of the Fair Credit Act and they were deleting my dispute request and I told them that I was disputing under the 116TH CONGRESS 2D SESSION S. 3508.  To amend the Fair Credit Reporting Act to provide for disaster protection for worker 's credit : For 15 minutes I talked to they TransUnion representative begging him to submit my dispute and for the hold time I kept getting denied until I forced him to speak to someone in the United State so he rudely did, so I so connected with a TransUnion supervisor by the name of XXXX XXXX and it took him one minute too read the Bill that Congeress Passed One Minute.! And he told me that Congress did pass no Bill over looking the Fair Credit Act in America and was deleting my dispute request, I told him that the hard inquiries was destroying my chances for Life Liberty and the pursuit of Happiness, I also told him the the hard inquiries was ( did! ) destroy my chances of buying a Home, getting credit cards, and was did bring my credit score down.! I can't even get a secured credit card or pre-approved for any stability. I still got denied For TransUnion supervisor 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 2020-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Im trying to add my bank account to XXXX so I can pay my rent and it wont let me add it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
I got phone call from Caliber Home Loans on XX/XX/XXXX. 
They told me that I was due for pay for XX/XX/XXXX, and my previous loaner XXXX XXXX XXXX transfer service to Caliber on XX/XX/XXXX. 
Actually I had already payed until XXXX.But Caliber said they didn't receive it, and asked me to called XXXX XXXX XXXX to make sure the transfer. 
When I called XXXX XXXX XXXX, and they told me the service had already transfer .But XXXX XXXX XXXX confirmed I payed it already and payment due date is XXXX.I requested document for payment history, statements and bank transfer history, and upload to Caliber website, but Caliber 's manager doesn't want to help me and still told me They will not use my documents to change  anything.And Caliber asked to call XXXX XXXX XXXX to FAX them.But now they still said it's not their problem and push to XXXX XXXX XXXX.The same thing when I called XXXX XXXX XXXX they said they transfer everything very detail it's Caliber 's problem.They even don't want to call each other to verify.I do whatever I can do now.No one can help me .They just push.I need help because two accounts with two months payment it's around XXXX XXXX missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank lost my refinance check. Not refinancing my car loan will cost me {$4000.00} and it will allow Chase Bank at least {$5000.00} more in interest during the life of my car loan ( if I only make minimum payments ). The check was sent to the right place for the right amount with the correct information. There was no reason for them to lose the check. They have also had more than enough time to apply it as confirmed by the director of my credit union retail division.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX I applied for an Income-Driven Repayment plan along with proof of my unemployment payments and submitted to my server Navient. On XX/XX/XXXX I received a letter indicating they were unable to process my IDR plan because I provide a proof of income but the document was not dated and that the document did not have a portion of it that was income taxable. On XX/XX/XXXX I resubmitted my original certification from unemployment with more dates, my weekly benefit amount, thr income tax withholding and payment issued. On XX/XX/XXXX, Navient sent me another letter stating what was on the first letter. I called Navient and they stated the print out from XXXX was not good enough and that I need to write down what I get from unemployment with the date that I wrote the letter included. I expressed that the document Government document was all I had to show my income and that XXXX restricts from printing certain documents. Navient told me that they would not proceed processing my IDR.

Company response to consumer: Closed with explanation