vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 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: CA

Complaint narrative:
The problem with Paypal mastercard is obvious. I made a call to paypal and was told by the paypal fraud report that an amount incurred was going to be refunded as I did not authorize the amount charged. ( It was a payment made to an unknown company in XXXX XXXX California ) The charges occurred during times thT I had reported my card stolen and in days the card was already stated as voided. The replacement card took a long time to arrive. During that period of time, I am supposed to have made a payment. At arrival of the new card, I have been trying repeatedly to add the paypal new card to make the payment and paypal system refuses to add the card. That makes me to be late and unable to process the  payment. Therefore I am eaten in interest and late fee while is not my fault but the negligence of the company in not processing the card soon and their system not taken the card to add a payment. Please help. this has to be clarify. 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 monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to bank of America and spoke with XXXX XXXX a financial advisor I told him I want to invest conservative and I wanted money payed to me monthly and I wanted XXXX and XXXX stock he took XXXX out of my checking account from bank of America back in XXXX 2018 the next day I was losings thousand of dollars I had a fit and wanted to close my account he sed relax it will be AL wright as a mater of fact don't look at the account anymore I promise you wont lose your money well I did loose money I have all the papers I have talk to his manger no luck. he miss handle my account very badly I have witness that heard me say I want XXXX and XXXX and maybe XXXX I got only a few share I should have had more then that also wen I need money because this was to give me monthly payment to live on he began to be sassy own ill sell this which would money until I sed why are you selling that I would have lost about three thousand more I also found out he did not invest me conservative he when more aggress anther agent told me that they wont give me my money back he works for XXXX XXXX I lost thousand of dollars he saw me coming and took advance of me this is false pretense he sed I would make at lease 25-30 thousand profit instead I lost my money not all but lot of it.iam sorry I trusted him

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 2019-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I got a payday loan but due to financial stress and other family issues I was out of work for a month or so. I was unable to pay the payday loan I took out with Cash Express in XXXX XXXX, Tennessee back in XXXX. About XXXX of XXXX ( roughly XXXX of XXXX ) I tried to call them to let them know they could expect payment from me when I was regularly working again in XXXX. The lady who was named XXXX I believe was very mean and said we are going to collect on your debt and no we cant work anything out. You cant be trusted. Youve made your bed, now lay in it. And promptly hung up. Since then I have been struggling to catch up on other bills first, since I was unable to resolve the issue with them. They then began to call me multiple times a day, averaging about 8-10 times from the same number. Im finally sick of it after they have called me 29 times today ; XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with capital one that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXXXXXX XXXX XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. Lowes is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is Walmart, I only should have one charge off date not several. Why would you still report c/o after my charge off date? Please delete this from my credit report under FRCA guideline.

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 2019-01-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX  XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX  XXXX XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date? Please delete this from my credit report under FRCA guideline.

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 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i recently saw that a credit card account was opened under my name and social but with a different address that is similar to mine. I disputed it with the credit bureau and it was taken off my credit report but it still remains on two of the credit bureaus. I called the company that issued the credit card and they told me that it was open under a different address. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I Bought a car from XXXX cars located at XXXX XXXX XXXX XXXX, XXXX XXXX PA. The business has since closed and I'm on the hook for a loan on a car that can not be registered and titled. I have reached out to CapitalOne, the county Clerk, the civil court deptXXXX, filed a complaint with XXXX and consumer affairs. I am recently out of bankruptcy and and was horribly taken advantage of. I am stuck paying for a car that I can not drive and can not afford to get another car without this one affecting my credit. Please ..please help me. I am unable to work and get my kid around because of this horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XX/XX/XXXX but they reported every month in XX/XX/XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX XXXX XXXX. They report my charge off date is XX/XX/XXXX actual my charge off date is XX/XX/XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year ofXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XX/XX/XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date? Please delete this from my credit report under FRCA guideline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been the victim of identity theft accounts were opened in my name fraudulently. 

- My current address ( copy of lease attached ) as of XX/XX/XXXX is : XXXX XXXX XXXX XXXX XXXX, FL XXXX  - Previous Address 6 months prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX  - Previous Address for two years prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX  I previously submitted a paper affidavit that was notarized and now I am including the official FTC Identity Theft Report filed with the report number. The following accounts are fraudulent and not mine. 

I have been the victim of identity theft the accounts were opened in my name and not done by me : 1 ) XXXX  Acct # XXXX  2 ) XXXX XXXX   Acct # XXXX  3 ) XXXX  Acct # XXXX  4 ) XXXX  Acct # XXXX 5 ) XXXX  Acct # XXXX 6 ) XXXX XXXX Acct # XXXX  7 ) XXXX  Acct # XXXX  8 ) XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX  10 ) XXXX XXXX XXXX Acct # XXXX  Please remove the following fraudulent inquiries not made by me : XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2019-01-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been the victim of identity theft accounts were opened in my name fraudulently. 

- My current address ( copy of lease attached ) as of XX/XX/XXXX is : XXXX XXXX  XXXX XXXX XXXX, FL XXXX - Previous Address 6 months prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX - Previous Address for two years prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX I previously submitted a paper affidavit that was notarized and now I am including the official FTC Identity Theft Report filed with the report number. The following accounts are fraudulent and not mine. 

I have been the victim of identity theft the accounts were opened in my name and not done by me : 1 )  XXXX  Acct # XXXX 2 ) XXXX XXXX Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 ) XXXX Acct # XXXX 8 ) XXXX XXXX  Acct # XXXX 9 ) XXXX XXXX Acct # XXXX 10 ) XXXX    XXXX XXXX Acct # XXXX Please remove the following fraudulent inquiries not made by me : XXXX XXXX I XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Kohls doubled my monthly minimum on an account that has remained with a relatively consistent balance without explanation. Ending with my XX/XX/XXXX bill, the minimum payment had been around {$43.00}. On XX/XX/XXXX, I owed for both XX/XX/XXXX and XX/XX/XXXX and paid {$120.00} through the XXXX. At that time the XXXX indicated I was due for {$80.00}, even though my XX/XX/XXXX payment was due on the first. I paid the {$120.00} believing it would cover XX/XX/XXXX and XX/XX/XXXX. The minimum payment moved from {$43.00} in XX/XX/XXXX to {$80.00} in XX/XX/XXXX, to {$82.00} in XX/XX/XXXX, and again in XX/XX/XXXX. I called Kohls to inquire about the increase in my minimum due to try to receive an explanation. Instead, I was told I was not entitled to it and left on hold for over 15. 

During my first call I was told that it was because myXX/XX/XXXX payment was a day late. In reviewing my account information, I demonstrated to the agent that there were late pays in the past which did not result in an increase in the monthly balance. We next reviewed how the account balance would affect the minimum, and agreed that my balance had not increased. She could not figure out why the minimum doubled and attempted to get me to a Supervisor, after XXXX minutes of hold music, I was transferred to a voicemail box. 

On my second call in, I was told the same thing about XXXX payment, and proceeded to correct the agent, I asked the agent several to provide me the numerical factors by which a minimum payment it is calculated. I was told it was on the statement. When I asked to review the statement the agent could not tell me where on the statement this information could be found. Ultimately, it was explained that I am not entitled to the information that comprises how my monthly payments are calculated. He stated, it is based on numerous factors none of which can be numerically disclosed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-31 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Did Not validate any thing in there response just hearsay, NOT one documents shows there right to report to the CRA 's while in dispute and refuse to show legal documentation of any contract with myself XXXX  XXXX  and PRA, Nor a contract with PRA and myself NOTHING .FDCPA section 805 { b } states without prior consent of the CONSUMER { myself } given directly to the debt collector a debt collector may not communicate, in connection of any debt. also FCRA also does not allow 3rd party collectors to inquire on a consumer credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XX/XX/XXXX but they reported every month in XX/XX/XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX XXXX XXXX. They report my charge off date is XX/XX/XXXX actual my charge off date is XX/XX/XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XX/XX/XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date? Please delete this from my credit report under FRCA guideline.

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 2019-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XX/XX/XXXX I logged into my care credit card account to make sure my available credit was still where it was as I have upcoming dental work and I noticed my care credit limit was decreased from {$6000.00} to {$500.00}. I called into synchrony bank, care credit to get my limit corrected and they refused. So I closed my account. I am incredibly angry and upset that they refused to correct their mistake. Horrible customer service!!

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 2019-01-31 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I did a credit consolidation and completed the program, all debts " paid as Agreed ''. The creditor is reporting that there is a balance of {$2800.00} and that it was " charged off/bad credit ''. That is incorrect, it's XXXX balance, " paid for less owed/settled ''. Please report to credit bureaus correctly, as it affects my credit rating/profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX & XXXX XXXX XXXX lies to me stating Navients 3rd party admin Minnesota/XXXX denied my XXXX XXXX XXXX XXXX claim. When I requested the denial documents from Navient they ignored my emails. 
XX/XX/XXXX I received correspondence from Navient stating unlike federal student loans, private student loans are not entitled to discharge in the event that a customer becomes XXXX XXXX. 

XXXX & XXXX I repeatedly requested payment assistance due to me being XXXX with no income and was mislead me into short term payment option, instead of long term solutions. 

XX/XX/XXXX I applied to have co-signer removed and was denied because of financial & credit challenges. 

Navient never notified me of the requirements or my eligibility to release co-signer, when I was repaying on time with perfect credit.

Company response to consumer: Closed with explanation