vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-05 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: ID Analytics, Inc.
State: SC

Complaint narrative:
I have attempted to place a freeze with XXXX XXXX I have sent them a copy of my ssn card and state id. I have explained to them I do not have any bills no cell phone bills or anything. Please freeze my records. My complaint as a consumer they are saying I must have bills to verify my address my phone is prepaid. Not only that I have called everyday and left messages and they have it called me back. Why cant I get a person on the phone. And why are they requiring only to help if I have a bill. This is violating my rights and becoming harassing. I have sent fax submissions as well. And my home telephone number is XXXX and I can be contacted by cell XXXX which is not paid by myself so there is no Bill for me. XXXX XXXX  never return my voice messages and never can be reached directly you get a voicemail

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 2018-05-05 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: NY

Complaint narrative:
i have written both XXXX XXXX and XXXX ( XXXX XXXX ) advising them to remove these accounts that I didnt authorize in my name. I was XXXX some time ago and during my XXXX time someone used my name to obtain credit. I explained this to all creditors and they all followed protocol of removing the blemishes all but these two creditors. I am trying to move on with my life and I cant with this hanging over my head.

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 2018-05-05 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i have written both XXXX XXXX and JCP ( Jc Penny ) advising them to remove these accounts that I didnt authorize in my name. I was XXXX some time ago and during my XXXX time someone used my name to obtain credit. I explained this to all creditors and they all followed protocol of removing the blemishes all but these two creditors. I am trying to move on with my life and I cant with this hanging over my head.

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 2018-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
Hello, I am writing regarding the harassment & fund embezzlement done by PHH mortgage company XXXX XXXX XXXX. We are the current owners of this property and are having difficult time getting our house repair completed ( water damage ). We closed this house on XX/XX/XXXX. 

XXXX XXXX XXXX has sent the check to the PHH Mortgage of {$14000.00} dated XX/XX/XXXX check # XXXX. PHH Mortgage company have already cashed it out but are not diverting the funds towards right claim ( they are not sending it back to us on XXXX XXXX XXXX ) .Claim # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. 

My realtor contacted and I personally called PHH mortgage company on several occasions.PHH mortgage is giving my realtor, previous owner and us a run around. 

We are harassed mentally physically and monetary wise.Kindly, help us by intervening into plea of our. 

Best Regards : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: OR

Complaint narrative:
I have been unable to pay one of my three private loans due to my funds being restricted, I have sent them a written notice specifying this information but I still keep getting e-mails, letters, and phone calls. They also contact family and friends whose information I did not provide. I understand that legally, they are allowed to do most of these things to collect on the debt. My complaint is certain faulty tactics they use to try to contact me or to attempt to get a reply from me ( even though I clarified I am unable to make payments at this time ). I have been getting XXXX 2ND DAY envelopes that have way earlier dates on the letter itself, and way after I actually receive them in the mail. This is the 2nd or 3rd time this has happened. I received one " final  notice '' letterXX/XX/XXXX within a XXXXXXXX 2ND DAY envelope. When I opened the letter, it was dated XX/XX/XXXX, and requested a reply to the letter by XX/XX/XXXX as a final notice and option for making payment arrangements. How am I supposed to call before XX/XX/XXXX, if I receive the notice weeks after that date? ( I was home, and my address is current on file ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Good Evening, I was unabled to open a Bank Account with XXXX XXXX XXXX. A few weeks later received a letter saying I have things in revolving credit and charges in collection. I received my credit report and it says I owe Bank of America XXXX from XX/XX/18. I do not recall this overdraft of this account.

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 2018-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I went XXXX XXXX XXXX on XX/XX/XXXX and the emergency physician is XXXX XXXX. I received a bill in the amount of {$800.00} where XXXX was billed incorrectly opposed to XXXX XXXXXXXX XXXX. I contacted the XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about the mix up. 

They told me that they spoke to someone named XXXX at XXXX and she told the XXXX XXXX that it was paid on XX/XX/XXXX and the XXXX XXXX thereafter sent a duplicate claim on XX/XX/XXXX which was denied due to it being a duplicate claim. 

It was then sent to a collection agency by the name of On-line services in error and I started receiving harassing phone calls and having issues with the collection agengy damaging my excellent credit and dropping my score. contacted XXXX back and they stated the EOB was needed. I sent the EOB ( explanation of benefits ) via email to a manager at The XXXX XXXX by the name XXXX. 

The manager called the XXXX XXXX Claims Dept to get the original ck #, needed the EFT. Told me it would show paid with the XXXX XXXX but has failed to remove off if my credit which originally should not have been put on my credit due to their mistake of filing with the wrong insurance company. 

I am demanding that the entire debt not only show as paid but removed off of my credit completely and my credit score points restored. I was in the process of purchasing a home and my score has dropped 26 points because of their negligence. Your immediate attention in this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly asked Equifax for evidence to support their reporting of an account in the file they maintain under my Social Security number. They have failed to provide me with a copy of any verifiable evidence submitted by XXXX XXXX XXXX XXXX XXXX substantiating their claim that I am financially responsible for this account. I am not the primary owner of the account, not a co-borrower, and not a co-owner, I am an authorized user. I have never applied for credit, and this a not a joint account ( although its being reported as one ). Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).  Recently, Equifax provided their investigation results, and again, they failed to provide verifiable evidence. Interestingly, they included a statement alleging " Consumer 's dispute not specific '', however they were still able to conduct an investigation without " specific '' information. Further into the results is a statement that says " Account Historical Data SUPPRESSED. '' The results continue to state that the originating source provided additional information claiming " Historical account information was DELETED from this account. '' Their investigation results are unclear, contradictory, and lends no credibility to the company. Is the information I requested DELETED or is it being SUPPRESSED? Either they have it or they don't. In any case, they are not providing it. I challenge the accuracy, compliance, and reportability of this listing. I formally request the trade line be immediately, and permanently deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have repeatedly asked XXXX for evidence to support their reporting of an account in the file they maintain under my Social Security number. They have failed to provide me with a copy of any verifiable evidence submitted by TD BANK USA- XXXX XXXX substantiating their claim that I am financially responsible for this account. I am not the primary owner of the account, not a co-borrower, and not a co-owner, I am an authorized user. I have never applied for credit, and this a not a joint account ( although its being reported as one ). Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).  Recently, XXXX provided their investigation results, and again, they failed to provide verifiable evidence. Interestingly, they included a statement alleging " Consumer 's dispute not specific '', however they were still able to conduct an investigation without " specific '' information. Further into the results is a statement that says " Account Historical Data SUPPRESSED. '' The results continue to state that the originating source provided additional information claiming " Historical account information was DELETED from this account. '' Their investigation results are unclear, contradictory, and lends no credibility to the company. Is the information I requested DELETED or is it being SUPPRESSED? Either they have it or they don't. In any case, they are not providing it. I challenge the accuracy, compliance, and reportability of this listing. I formally request the trade line be immediately, and permanently deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I called on XXXX XXXX to ask why I pay and pa and pay and the balance never goes down, and they told me because of the interest but they are charging me the inters of 6 years all of it in 1 year, thats not right they financed XXXX XXXX, and I already pay them XXXX dollars and the pay off balance is XXXX XXXX why and how??? Do I ow more then when I got the truck? Please help me, thank you have a great day

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I never received any information about the debt and when I checked my credit it had been put into collections

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 2018-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C Systems sent debt to collections entered it on my credit report never contacted me on my credit report it doesn't provide any identifying info such as an account number or anything

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 2018-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have a checking account and on XX/XX/XXXX I had bal of {$760.00} with transactions pending of {$230.00} and $ XXXXbut were already subtracted leaving the bal at {$760.00}. I cashed out my XXXX earnings at midnight on XX/XX/XXXX of {$220.00} and it gave me a balance of {$980.00}. At XXXX checked my bal and showed same status I mentioned above. At XXXX I checked bal and it showed chk for {$1200.00} being paid, but the put check through over pending transaction in order to charge me two additional overdraft fees at {$34.00} apiece when I should only had been charged for overdraft on check only.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
At XXXX a.m on XX/XX/2018 I received a dispute alert from Experian with a report no XXXX. I reviewed the results, XXXX XXXX still remains and address was changed to XXXX XXXX XXXX, Md XXXX with an address id XXXX. On Experian it has became common practice for creditors to intentionally report errors to personal information to avoid the main dispute. Experian has not resolved dispute instead they offer consumers products to avoid errors etc that I find they participate in. 

I went to the section to dispute items it says XXXX XXXX dispute still under investigation. Experian alleges they are not the one to  update consumer address. Experian allows creditors to put anything they want on consumer file without verification but show bias in disputes.

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 2018-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I sold Bitcoin online on localbitcoins.com using paypal to XXXX XXXX. I sent her paypal invoice to pay on paypal. She wanted to send payment through Family and Friends option. I allowed her to do so. Each transaction was for {$1000.00} totaling {$3000.00} purchased on XX/XX/2018 and XX/XX/2018. On XX/XX/2018 she opened dispute with paypal saying that it was unauthorized. Paypal sent me an email on XX/XX/2018 about this that they are reviewing. I logged in to paypal to find my balance showing as - {$3000.00}. I called paypal and I explained my situation. Later that day I found that paypal had resolved the issue and my balance was back to {$0.00} and not negative anymore. I was so afraid to use paypal again that I decided to close my account as I had never sold and never faced this problem before. Upon closing, I recieved an email from paypal that my account is closed and can not be reopened using same email. Just yesterday on XX/XX/2018, I got email from paypal saying buyers bank requested reversal for all {$3000.00}. 

All 3 transactions were authorized and the buyer sent me her ID with selfie and note saying this was nonrefundable. I also have all her communication and receipt of the sale. All payments were sent using paypal balance and her email. 
For paypal to close the matter and allow me to close my account and then to email me 5 days later does not seem right. If there is a negative balance, paypal never allows user to close their account. But my balance was set back to normal by paypal after they realized XXXX XXXX authorized this transaction and closed the dispute, there was no open dispute upon me closing my account. This seems to me like someone working at paypal/localbitcoins and working together with XXXX XXXX to scam people of their hard earned money by saying unauthorized transaction. This transaction was legitimate. I need your help in investigating this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
we did a XXXX transaction at XXXX to purchase parts on XXXX XXXX  directed us to our PAY PAL account to pay. the transaction was intercepted by a 3rd party- and from XXXX that night til early morning they transferred money out of our accounts. PAY PAL did say we were covered- but the transaction were made and processed - the other parties that were selling product ( BITCOINS ) ALL LOST THERE MONEY AND THINKS IT WAS OUR CORPORATION THAT DID IT-Pay pal only has told them it was unauthorized transaction- They refuse to tell these people that it was not us evolved!!! so we are getting threats and social media blasted - We requested PAY PAL to send us letter stating that our corporation and our employees were not involved with the fraud, and we were victims like all of the buyers. We have been in business for 30 years and its a shame we have to defend our selves for something we had nothing to with. 
Very Truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are a number of unauthorized credit inquires on my credit report. I would like to have these inquires removed from my credit report.

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 2018-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I live in an area that was a federally declared disaster area because of hurricane Irma. After the hurricane, my mortgage company told me that I could defer payment of the mortgage for 3 months ( until XX/XX/XXXX ) since I was recovering from the hurricane and that the deferred payments would be placed at the back of my loan. At the end of the 3 months, when I contacted the mortgage company, they told me that the program was extended for an additional 3 months ( until XX/XX/XXXX ). In XXXX XXXX, I was told that the loan would be modified and the deferred payments would be placed at the back of the loan. I contacted the mortgage company in XXXX to find out what the process was for modification ; I was told to send in multiple documents which I did. After submitting all the required documentation, I checked the status of my modification online every day for the next month. I called on numerous occasions to inquire about the status of the modification and to inquire about the payment. I was told that they were working on the modification. I was told not to send in a payment for XXXX because it would be rolled up into the modification. In XXXX, I was told that my modification was denied because the payment would go up from approximately $ XXXX to approximately $ XXXX and that they were not allowed to modify a payment if it increased the payment. I was then told that I could get on a payment plan that would require me to pay approximately $ XXXX for 6 months which could be extended another 6 months until my account was current, but that the denial was not complete and that they were still working on the modification. I received an email notification that there was a new document on the loan and when I logged into the website, I saw that there was a modification denial letter. I called back the mortgage company to inquire about the payment plan again since the modification had been completely denied and I was told that I am not eligible for the payment plan any longer because they had sent out a demand letter for the total monies past due on the loan which is {$16000.00} within 30 days. I told that mortgage company that I do not have the money and I would not have it within 30 days. I asked what would happen if I didn't pay it in the 30 days and the mortgage company told me that they would foreclose the very next day and sell my house. I can not lose my house because I am a single mother and I am caring for my sick mother who is on XXXX. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: N.A.R., Inc.
State: VA

Complaint narrative:
I filed a dispute regarding a charge off credit card and the card XXXX bank sent back information stating it was valid. I called to try to settle it on XXXX and they sent me to NAR collections stating they had it and to call them. I emailed NAR and they stated it wasn't with them anymore XXXX had it and that they were removing it from my credit. I am submitting the email and want to make sure it is removed and XXXX doesn't try to mess with me again as this is affecting some matters in my life and I tried to make it right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation