vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: MI

Complaint narrative:
On XX/XX/2018, I was approved for a loan for XXXX for annual percentage rate of 29.91 %, Finance charge of XXXX, amount financed XXXX, total payments XXXX, number of payments 59, and a monthly payment of XXXX.All payments are due on the XXXX of every month.All payments are automatically deducted from my checking account every month.This XXXX   loan is owned by XXXX XXXX but serviced by XXXX.Every month my payment is due on the XXXX, XXXX always takes the payment out two days later which screws up my account because I have other bills due and causes fees from my bank for insufficient funds.Just recently I was charged XXXX because the ach bounced.I feel im being taken advantage and beginng to feel this loan is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I was subscribed to XXXX  for a FEE. 
I had a scam on me from a Auto Leasing Company for RETURN -IN damage charges? 
I disputed and won my ALLY FIN case!! 
However the CREDIT AGENCIES now will hold a DELINQUENCY OVER MY HEAD FOR 7 YEARS?? ISN'T THIS ILLEGAL?? 
NOBODY CAN REMOVE THIS FRAUD CHARGE ACCORDING TO REPORTING AGENCY?? 
IS THIS A VIOLATION OF THE FCRA??

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 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experience leaked my identity which has resulted in numerous fraudulent credits card applications in my name, 8 to date. I had to purchase credit monitoring and place a freeze on my credit. They never provided documentation that the freeze had been placed or information on how to lift the freeze. I need to lift the freeze temporarily to purchase a car but they will not lift the freeze. I have tried online 3 times and I tried calling multiple times. I have provided all of the requested information including the pin they issued with the freeze but they will not lift it. I am not able to get anyone to answer the phone when I have called customer service numbers as it is all automated. So now that they have released my social security number, date of birth and address they are now holding my credit hostage as well and will not respond to any inquiries.

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 2018-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Machol & Johannes, LLC
State: NM

Complaint narrative:
I received a garnishment through my bank account at the beginning of this year. This garnishment was processed without me being notified via written correspondence, phone call nor being properly served. I disputed the garnishment and a couple of months later the funds were returned. A second garnishment was initiated, again without proper notification, via my employer and the funds were collected in full in three installments. I have all the documentation reflecting the full payment of the garnishment. To my astonishment, on XX/XX/2018, the same company, garnished the same debt, already paid via the three monthly installments from my employer. They again failed to contact me in any way, and have illegally taken my money, causing me distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reported to all 3 credit reporting agencies that they are reporting duplicate account. They are reporting XXXX ( XXXX XXXX XXXX ) and XXXX XXXX as separate accounts. They are not. I had only one 2nd mortgage. XXXX and XXXX XXXX are the same company. The account started out as XXXX, years later they changed the account number to a XXXX XXXX Account. They did not sell the loan to XXXX XXXX, they only change the account number because both companies are one in the same. I do not have 2 second mortages. I only had one 2nd mortgage, but they are reporing them as 2 separate accounts, but they are not. There was only one second mortgage its just that they changes the account number under the owner of the account which was XXXX XXXX who owns XXXX, but its still only one account. The duplicate accounts are being fraudulently being reported as 2 different accounts when in reality they are the same 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 2018-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Good afternoon - We have a credit line with M & T bank. Today we received a call advising we were behind on our account, and it has hit our credit 2x. My concern is we were not given the chance to liquidate our bill. We did not receive anything via mail and or a phone call. As all Americans we make mistakes and have oversights here and there, and a reminder phone call is always welcome on this situation. If that would have happened we would have made the payment right there and then, and non of this would have happened. We are just asking for the opportunity to pay before you hit our credit with a negative marker. The fact that they did not attempt to call to collect the debt, before it was to late is not acceptable. 

If you have any additional questions please feel free to contact me. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Back ib XX/XX/XXXX i was running out of money in my account and my only income was Social Security which at that time was {$1400.00}? a month do not remember the exact and my mortgage payment was {$1200.00}. 
They offered me to pay {$1000.00} which is only {$51.00} dollars different which will not work. There were several conversations and nothing was being done to assist me. 

I went to XXXX XXXX thinking maybe they could help as web site says they work with mortgage companies to reduce payments. 
33 pages and bank statements, tax returns, my bills i pay every month was not working. 

Over and over things was sent from to lawyer should have arrived at Wells Fargo? 

I uploaded all of those things in my email for proof. No one wanted to talk to me at Wells Fargo as they refused to deal with me a i had a lawyer. 
Now i am probably going to be set out on the street XXXX  and no place to go. 
This is supposed to be done by XXXX  on XX/XX/XXXX or 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 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
XXXX XXXX and XXXX on XX/XX/2018 notified me of a 30 day late payment on my mortgage through my mortgage company Freedom Mortgage. I pay my mortgage electronically through my banking institution and have never been late with mortgage payments in 16 years. The issue is the escrow increased and I was not notified. The actual monthly payment was submitted but the {$40.00} escrow increase was not included. I was not notified of the escrow increase.

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 2018-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have a complaint against PayPal for unauthorized transactions, false directions, Invasion of Privacy, fraud and scam. 
XX/XX/2018 I was trying to access my api to set up payment on my hosting account. I called PayPal to find who the third party was that was using my account. The representative told m that my account needed to be updated first then he would take care of the api situation. The representative, he used the XXXX XXXX XXXX XXXX  to update my computer to the new PayPal program. He then wanted to test my bank account and credit card. The representative put {$430.00} into my bank account without my ok, then told me that the only way he could see if the account was active is for me to go get {$400.00} worth of XXXX XXXX Gift Cards and come back to read him the number on the back. 
I went and got the XXXX XXXX Gift Cards, came back home and gave him the numbers. I then asked about the api situation. Then I was told that I had to go through the previous process again. I told the representative that as long as I have been dealing with PayPal I have never had to go anywhere and purchase anything to prove that my account worked and that PayPal never tested any of my accounts over {$2.00}. I was told that if I wanted to straighten out the api situation that I would have to do what he said. I told him that I refused to go back to the store. 
So the Representative put his supervisor on the phone. The Supervisor went through the same drill and entered {$1000.00} into my bank account without my consent. I asked him why did he put that large amount of money into my account and that I did not tell him to do that. He told me to go get the gift cards or that I would get a lot of trouble. Still on the remote support, he order four gift cards from XXXX in the amount of {$200.00} each and told me to call XXXX and ok the authorization. 
In the meantime, XXXX emailed me about an unauthorized transaction and to change my password. I then started reading more emails. PayPal sent me an email saying the {$430.00} was a transaction error. 
Gift Card Scams from PayPal. 
The phone numbers associated with this event are : XXXX, XXXX, XXXX, and XXXX XXXX. 
XX/XX/2018 XXXX XXXX says PayPal tried to take {$480.00}. Unauthorized. XXXX shows the deposits and other transactions. 
XX/XX/2018 Received another email : transaction error or {$1000.00} and a minus {$1000.00} in my Paypal Account. Paypal is blocking me from reporting to the resolution center. I need to be refunded {$400.00} for the gift cards the rep verbally forced me to get and my account cleared as it was before this incident. 
Also, I was told by the supervisor that the only way I could return the money is by purchasing more gift cards. Which an email about a transaction error will follow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reported to all 3 credit reporting agencies that they are reporting duplicate account. They are reporting XXXX ( XXXX XXXX XXXX ) and XXXX XXXX as separate accounts. They are not. I had only one 2nd mortgage. XXXX and XXXX XXXX are the same company. The account started out as XXXX, years later they changed the account number to a XXXX XXXX Account. They did not sell the loan to XXXX XXXX, they only change the account number because both companies are one in the same. I do not have 2 second mortages. I only had one 2nd mortgage, but they are reporing them as 2 separate accounts, but they are not. There was only one second mortgage its just that they changes the account number under the owner of the account which was XXXX XXXX who owns XXXX, but its still only one account. The duplicate accounts are being fraudulently being reported as 2 different accounts when in reality they are the same 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 2018-12-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reported to all 3 credit reporting agencies that they are reporting duplicate account. They are reporting XXXX ( XXXX XXXX XXXX ) and XXXX XXXX as separate accounts. They are not. I had only one 2nd mortgage. XXXX and XXXX XXXX are the same company. The account started out as XXXX, years later they changed the account number to a XXXX XXXX Account. They did not sell the loan to XXXX XXXX, they only change the account number because both companies are one in the same. I do not have 2 second mortages. I only had one 2nd mortgage, but they are reporing them as 2 separate accounts, but they are not. There was only one second mortgage its just that they changes the account number under the owner of the account which was XXXX XXXX who owns XXXX, but its still only one account. The duplicate accounts are being fraudulently being reported as 2 different accounts when in reality they are the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I do not recognize that debt, since I paid it in full, I never received any type of payment or notification of new debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
5 purchases were made from a company through paypal. Purchases were made on XX/XX/XXXX for {$30.00}, XX/XX/XXXX for {$32.00}, XX/XX/XXXX for {$26.00}, XX/XX/XXXX for {$29.00}, XX/XX/XXXX for {$30.00}, and XX/XX/XXXX for {$30.00}. The purchase on XX/XX/XXXX was switched for paypal to paypal credit by paypal. By the time I received the late payment notice by mail in XXXX the charge for the {$29.00} item had accrued to {$98.00} with the difference being interest and fees. 
I have contacted paypal credit and requested the XX/XX/XXXX transaction to be processed through paypal as were the other transactions. Paypal has billing information needed for payment. Paypal was  contacted or has contacted me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Each time I have requested the XX/XX/XXXX transaction to be completed through paypal as the other transactions were completed. I have told them I will not pay the interest and fees.Following the payment all accounts are to be closed out with paypal.

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 2018-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: PA

Complaint narrative:
I contacted the original creditor several times and asked them. why I owed the {$50.00} dollars balance. at the time of visit I pay them {$50.00} dollars copay and my insurance paid them for the rest. I contacted my insurance company regarding this bill and I was told they got paid what XXXX eligible. this collection company has been calling me and trying to collect what I do not own. I told them stop calling me and they continue calling me and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have inaccurate addresses appearing on my XXXX  and trans union credit report. 
the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX This address doesn't even actually exist.

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 2018-12-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL, INC.
State: AR

Complaint narrative:
These folks are calling my Phone # every day looking for XXXX XXXX. My name is XXXX XXXX XXXX and that phones # is in my name.

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 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently sumitted an application to XXXX XXXX  located in XXXX, Florida, on XX/XX/XXXX. I was then informed that a background check performed revealed a eviction and judgement XXXX and was directed to their leasing desk to file a dispute. I disputed the eviction and judgement:1 length of time, 2.the eviction judgment acct. Was included in a previous bankruptcy chapter XXXX filed XX/XX/XXXX & discharged XX/XX/XXXX. I was also informed by the leasing consultant XXXX to provide proof of the order of discharge & would proceed with leasing.. All document where provided. I paid application fees and received a confirmation for the amount due {$690.00} to move in XX/XX/XXXX. When my family and I came into the office on XX/XX/XXXX to follow up with leasing. I was then told that they couldn't assist me at this time & I had to wait 30 days to receive a refund of {$250.00} from the application fee. I explained that the action to withheld the {$250.00} would cause more extreme hardship and that i needed it sooner to provide other adequate housing. Equifax denied providing the lease desk with the information. I've tried to follow up with a dispute to them. No success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I ask a service to a law firm. The asked a deposit. They never gave the service. Service was to go to a court to defend. The never wen to a court. XXXX  claim to Capital one was on time. They have information in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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:
This is the second complaint i have had to file against navient ... last year and again this year about income based repayments. They dont respond, push forbearance and after sending in a pay stub for income reduced payment, I received an email saying they needed more info and they were sending paperwork for me to fill out. 1 month later and after sending them an email and asking where my paperwork was i still have had no response and after working so hard to increase my credit score im endanger of it being once again messed up by navient because i cant afford {$500.00} in addition to the {$180.00} im already paying. I make {$400.00} a week. Navient still isnt trying to make things right for their customers. Nothing has changed with this company. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX, is reporting on my credit in collections. According to the credit bureaus and on XXXX XXXX they have been making fraudulent payments on this account for {$1.00} randomly from time to time. These are payments Im not making. What they are doing is illegal and i know my rights. I called and asked for debt verification and a representative that was rude and nasty refused to send me proof this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: NV

Complaint narrative:
I have inaccurate addresses appearing on my Experian and XXXX XXXX credit report. 
the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX This address doesn't even actually exist.

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