vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Purchased item on XXXX using PayPal credit in XX/XX/2016. Item advertised as being new and in working order. Item received suffered from factory defect. Attempts at contacting merchant were unsuccessful. XXXX instructed me to work with PayPal as " they would help ''. Only option at PayPal was to file a claim. Claim erroneously denied with PayPal stating this was a " warranty issue '', which is incorrect as the item received was not as advertised, i.e., " significantly not as described ''. I have spent nearly two years trying to get PayPal to fix their error, including sending two certified letters to their general counsel which never got a response. After the last certified letter to them, I stopped hearing from PayPal so assumed they just closed the issue. Now I am being contacted by a 3rd-party debt collector. PayPal never informed me they were turning me over for collections, and still does not acknowledge their determination was incorrect. I am happy to reimburse PayPal for their outlay to the merchant, as soon as I receive the item as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I received several messages from Navient claiming I had not paid my loan fees despite monthly payments of XXXX dollars from XX/XX/XXXX-present. Despite multiple calls, I received only a grace period where payments were halted until XX/XX/XXXX. I sent a letter on XX/XX/XXXX providing proof of payment to Sallie Mae that was not reflected in my account and requesting an investigation. On XX/XX/XXXX I called again and was told that no action had been taken because I did not call to instruct them to take action!! Despite my very clear written request that my account be investigated and payments reconciled. I have asked for the matter to be forward to the processing team asap. I can not believe that 15,000 dollars + of my payments have not been credited to my account. I request the  immediate clearance of my account because the payments I made already covered the principal PLUS interest on the loans. I request that Navient close my account, stop harassing me for payment already received, and compensate me for the extreme stress this has caused by waiving interest fees for the past year during which I have been contacted multiple times and threatened with collections despite paying regularly, on time, and sufficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There was an investigation conducted by CFPB in early XX/XX/XXXX on my student loans at which time Experian updated my accounts with a status of accounts renewed or refinanced, but today when I checked my accounts were reflected as failure to pay with the following payment status : Paid, was a collection account, insurance claim or government claim or was terminated for default. This is untrue. The accounts were never in collections ... actually consolidated and I've been making payments on them since XX/XX/XXXX. I have attached documentation from both Experian and the Servicing Company which is currently handling my Federal Student Loans. I'm working steadfast on correcting my credit and this recent ding is causing havoc on my credit report. Please assist in getting this corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have an unverified account from Calvary Portfolio Services, LLC. I have previously disputed this account. I have never done business with Calvary Portfolio. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe.

Cavalry Portfolio Services , LLC has reported a collection on all 3 credit reporting agencies onXX/XX/XXXX & XX/XX/XXXX. I sent registered letters to Cavalry Portfolio Services , LLC requesting validation of debt for their account # XXXX to the address listed, on XX/XX/XXXX andXX/XX/XXXX, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received.

Again they failed to provide the information I requested. Instead, they sent letters dated XXXX & XXXX   requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''.

I have requested that Cavalry Portfolio Services , LLC, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Cavalry Portfolio Services , LLC is unable to provide the above identifying account information, this account must be deleted from all 3 credit reporting agencies. This account is effecting negatively on all 3 credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue.

The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency ; nor ( 2 ) provide me the account 's the date of last activity.

I have not now, nor ever had any contractual obligation or arrangement with Cavalry Portfolio Services , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: TX

Complaint narrative:
I opened an account with AVANT in XX/XX/XXXX to help us pay a deposit to move into a house, we reached out to AVANT because they were able to approve us for the loan of XXXX  with payments of {$250.00} a month for 36 months. We had minor issues paying AVANT, but they worked with us to resolve them. Fast forward 2 years and for some reason, the ACH withdrawals would process days before the scheduled date ( would either puts us in the negative or wrong amount would be debited ). We called to make arrangements to split payment up to, $ XXXX/ {$120.00} every two weeks to make it easier to repay ( changed due date ), somehow the full payment processed and they had to refund us half the payment couple times. We called to complain about poor customer service ( the interest rate ) and to cancel the ACH ( to remedy ACH issue ) and was told it wasn't allowed to cancel based on the contract. My wife who is a loan officer stated no company is allowed to keep a customer on an auto-pay system and the customer has the right to cancel upon request but is still required to repay a loan. We told them about the CFPB violation and they quickly canceled the autopay. We made a payment that processed properly after that we attempted to go on a payment plan that cut our payment in half per month, we agreed to the terms and a couple days before the due date of the first payment of the payment plan, Avant attempted to debit {$270.00} the same week as the payment plan payment. My bank charged me an ISF fee I called them only to find out Avant was trying to debit the amount. Remember we already canceled the auto pay, so when we agreed to the payment plan it reactivated the auto pay where attempted to debit our account, we explained this to our bank and recommended a stop payment until we resolve to issue with the creditor. I called recently to find out they added over {$1000.00} to remaining balance and posted a late payment on my credit report. Instead of trying to resolve the payment issue they are using predatory tactics to debit our account. We initiated the payment plan to get current, they are trying to take more than was authorized which a breach of the initial contract and the repayment plan contract which specific dates they breached. Avant has mishandled my account since i opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: LEXISNEXIS
State: NJ

Complaint narrative:
Collection company listed on my Lexis-Nexis Report ... ( Not Me ) Listed incorrect should be removed ..

XXXX XXXX XXXX Nor a XXXX ...

XXXX XXXX XXXX?

Amount XXXX?

Also ...

Address Listing Eviction Notice XXXX County. ( Not me ) Listed incorrect Should be removed ..

XXXX XXXX XXXX XXXX, NJ XXXX And other addresses listed below ....

Some one else, Relative?

All Above Wrong information allready removed from my XXXX, XXXX and XXXX Credit Reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I am very sick an living on XXXX.I tryed to explain this to the people on my credit report but i only get a very small amount to live on. I wish they would remove this items off my credit report.They just keep changing names. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 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: GA

Complaint narrative:
Received a call from XXXX XXXX ( XXXX ) at XXXX XX/XX/2018. She claimed to represent Portfolio Recovery. I get calls from these bottom feeders from time to time. I do not owe money to anyone, my credit score is over 800. I'm on the do not call list and she called me on my business phone. I don't have time for this nonsense, please make it stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I received a call from a debt collector on behalf of my TJ Maxx credit card in 2016. I explained to the representative that I had just had a XXXX and was out of work, so the representative asked me to borrow money to pay for my balance. I questioned if this was a legal as I was out of work with a XXXX. Since then I havent received any bills or phone calls from TJ Maxx attempting to collect the amount owed. Its been 2 years and I recently found out they are still reporting to the credit beaureau that my account is delinquent. I contacted their collections department and questioned why they werent sending any bills to my address or calling me. They werent able to give me an explanation other than they were sending me bills which is not true. I asked them to confirm the address and phone number they had in their system and it was correct but again, they failed to bill me or call me in regards to my pending charges. They went 2 full years without billing me or attempting to settle my balance. It seems to me that any collecting agency I worked with in the past would try to collect payment or offer settlement. They did not offer any assistance and told me Id have to pay for the balance right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: OH

Complaint narrative:
I have been a victim of identity theft. Someone attempted to open an XXXX credit card using my name and social security number in XX/XX/XXXX. My credit monitoring services alerted me of a hard pull on my credit, and I contacted Chase Bank, which underwrites the card, to report it. The person I spoke to assured me that Chase would : ( 1 ) Send a notice to credit reporting agencies to remove the hard pull ( 2 ) Put a flag on my social security number so that any future applications would be declined.

Yesterday, I got another notice that someone had attempted to open a Chase credit card in my name. I contacted them this morning, and all the person I spoke to would commit to is declining the card. There is no flag on my social security number to prevent future fraud. Moreover, the XX/XX/XXXX hard inquiry is still on my credit report. I asked them to report the attempt to law enforcement, and they refused. 

Credit card companies need to do more to protect victims of identity theft from having fraudulent credit opened in their names. They should be required to report fraud to law enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed an FTC Identity Theft Report on XX/XX/XXXX stating that there is a bankruptcy on my file that I do not recognize and am not sure it is mine. The FTC Report number is XXXX. I faxed a copy of this report to XXXX, XXXX, and EquiFax. I invoked FCRA 605B ( 15 U.S.C. 1681c-2 ) with XXXX, XXXX, and Equifax Both XXXX and XXXX removed the bankruptcy from my credit report with the time required by this statue.

I contacted Equifax on XX/XX/XXXX to find out the status of my dispute. The female representative when on to say, Even though its an identity theft claim, a 30 day re-investigation process is required. '' I requested to speak to a Supervisor, and I asked him about the status of my dispute. Supervisor XXXX repeated the same statement the female representative told me. I mentioned FCRA 605B ( 15 U.S.C. 1681c-2 ) and informed Supervisor XXXX  they had 4 days to remove this from my credit file. Again, he stated they have 30 days to verify the claim. I informed supervisor XXXX   that FCRA 605B ( 15 U.S.C. 1681c-2 ) superceds the 30 day dispute timeframe.

As of the writing of this letter on XX/XX/XXXX Equifax has still not removed the bankruptcy from my credit file. Their delay is impacting my real estate business from securing a loan to run my business.

How can Equifax violate US Federal law and do what they want when the statue is very clear as to what they must do to comply with the law.

I also sent Equifax an Intent to sue letter for failure to comply with FCRA 605B ( 15 U.S.C. 1681c-2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 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: AL

Complaint narrative:
My XXXX ex opened a credit account with XXXX in XX/XX/2012. I had no knowledge of this account. I moved to XXXX from XXXX  and did not know I late or behind because i did not know the card was opened in my name. I have never been late before or after and i do not think that I should be held liable for someone elses actions.

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 2018-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I purchased a money order from XXXX on XX/XX/XXXX, 1 for {$650.00} and another for XXXX. I decided to not use the money orders and wanted the cash back I asked XXXX could I return them and was told I can't return them, I contacted a check cashing place and asked could I cash them there and I was told no, I have to deposit them in my account. I deposited the money orders in my account on XX/XX/XXXX. Bank of America claims that they couldn't read the {$650.00} money order and that XXXX XXXX wouldn't release the funds on the money order so they are returning it to me and recommended that I get it reissued from XXXX. XXXX said they can't reissue it. The XXXX money order they are holding until XX/XX/XXXX and could possibly decide to return that as well. If you can't get the funds from XXXX XXXX for XXXX how can you get the funds for the XXXX money order. It is just a lie, I contacted XXXX XXXX and they said that they have the funds and it is available to release to the bank. However they can't wire transfer it me directly. They wire money all over the world but can't send me my money. I paid cash for the money orders and I have my receipt. XXXX XXXXXXXX said they could cancel the money orders and charge me a fee, another fee to reissue a check, and another fee to mail it to me or overnight it. I told Bank of America I better not charge me any fees because of this. I wake up this morning to a returned item fee, I called them and demanded a refund, the rep I spoke to asked me, " Are you experiencing a life change that would prevent the funds from being available. '' what in the world does that have to do with my fee? She ultimately said she couldn't return the fee. What happened to customer service and helping the customer? XXXX XXXX asks me did I white out, scratch or damaged the information on the money order, I said absolutely not. So now I am being accused of fraud and manipulation. How can this be possible? How did I become the criminal here, if anything I am the victim of lies and being mistreated as a paying customer by using all of these businesses for a service. This situation is a complete nightmare. I have been nothing but stressed out mentally, physically and financially from this ordeal and I see no sign of a resolution from any of these companies. I can't just take a XXXX loss.

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 2018-05-24 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: AL

Complaint narrative:
There was an investigation conducted by CFPB in early XX/XX/XXXX on my student loans at which time XXXX  updated my accounts with a status of accounts renewed or refinanced, but today when I checked my accounts were reflected as failure to pay with the following payment status : Paid, was a collection account, insurance claim or government claim or was terminated for default. This is untrue. The accounts were never in collections ... actually consolidated and I've been making payments on them since XX/XX/XXXX. I have attached documentation from both XXXX and the Servicing Company which is currently handling my Federal Student Loans. I'm working steadfast on correcting my credit and this recent ding is causing havoc on my credit report. Please assist in getting this corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: AES/PHEAA
State: AL

Complaint narrative:
There was an investigation conducted by CFPB in early XX/XX/XXXX on my student loans at which time XXXX updated my accounts with a status of accounts renewed or refinanced, but today when I checked my accounts were reflected as failure to pay with the following payment status : Paid, was a collection account, insurance claim or government claim or was terminated for default. This is untrue. The accounts were never in collections ... actually consolidated and I've been making payments on them since XX/XX/XXXX. I have attached documentation from both XXXX and the Servicing Company which is currently handling my Federal Student Loans. I'm working steadfast on correcting my credit and this recent ding is causing havoc on my credit report. Please assist in getting this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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:
I have contacted Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and yet and still they still continue to report inaccurate information onto my credit file. XXXX WITH ACCOUNT # XXXX IN THE AMOUNT OF XXXX IS REPORTING ON MY CREDIT FILE. FIRST OFF this is not my account and Equifax continue to ignore my request and my proof that it's not mine to remove it. I am a victim of identity theft and they continue to report accounts that were open due to identity theft onto my file. XXXX XXXX in the amount of XXXX that is a medical bill is not mine as well as another XXXX XXXX in the amount of XXXX does not belong to me either. Im fed up with Equifax due to the fact that these companies can't verify the information with me so how in the heck are they verifying it with you. nI even have a letter from XXXX stating that they have been informed to remove this account from my credit file. Yet it still remains..

Company response to consumer: Closed with explanation