vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-03 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: AR

Complaint narrative:
I received many calls from a student loan company asking me for money. I never went to school, so I was confused on what was happening. I then pulled my credit on my own and I saw several student loans and other items on my report that are not mine. Please get the fraudulent items off my report. 

XXXX XXXX XXXX {$550.00} DEPTEDXXXX  XXXX {$1600.00} XXXX  XXXX XXXX {$440.00} DEPTEDXXXX  XXXX {$4500.00} US DEPT ED XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$330.00}

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 2020-02-03 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: AR

Complaint narrative:
I want to buy a house so I spoke to a bank lender on what I needed to do to get started. My credit needed to get pulled to determine if I was able for financing. When they received my report they told me my score was to low for any type of financing for a home. I asked him why and I was showed my report. The accounts on my report are not mine. None of the accounts belong to me. I believe some one has stolen my identity. Please remove the fraudulent accounts from my report. 

XXXX XXXX, XXXX. 
XXXX {$250.00} XXXX XXXX XXXX XXXX  XXXX {$2600.00} US DEPT OF ED/XXXX/XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX {$930.00} XXXX  XXXX {$280.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I have used PayPal to send money to friends and family and for the purchase of goods and services on many occasions. My checking account is directly linked to my paypal account and is the default source for funding for both purchases and transfers I make using PayPal. PayPal charges the recipient a fee if a transaction is designated as for the purchase of goods and services and there is no fee if the transaction is designated as sending money to friends or family. 
I had previously sent my daughter money designated as a friends and family transaction through paypal and no fee was paid. Paypal offers a quick link option for previously made transactions which are labeled as " Send Again '' When I used the " Send Again '' option to repeat sending money to my daughter designated as a friends and family transaction with no fee, the transaction was processed by paypal as a purchase of goods and services and a fee was paid to Paypal. 
Paypal 's practice of charging a fee to the recipient of a transaction instead of charging the sender the fee upfront is somewhat confusing. PayPal 's " Send Again '' option changing the designation of the previously made transaction from Friends and Family ( no fee ) to a transaction for the purchase of goods and services ( fee ) is deceptive.. 
When I questioned PayPal about the charge I was told sorry. I suggested that Paypal change the default settings so the " Send Again '' option repeats the previous transaction. I was told by Paypal they could not change the default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Fifth Third for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX XXXX. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 


I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 


This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 


The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: OH

Complaint narrative:
My father who served in the XXXX was Deceased on XX/XX/XXXX. I notified Discover XX/XX/XXXX of XXXX that my father had passed. They said they would take care of it when I called their customer service. 
On XX/XX/XXXX I spoke over the phone with attorney XXXX XXXX who filed what was needing in the court system my father had passed and the house was considered a homestead therefore a creditor could not come after the house once transferred into my name. I paid him {$1400.00} to file everything. 
Two weeks later my deceased father received a delinquency notice from Discover. I called Discover and they asked for money from the estate. They where informed there was nothing in the estate. They told me to apply the cash back bonus to the account. 
Several weeks later I received a call, a letter from XXXX XXXX  XXXX. I informed them there is no estate. They said ok that was it. In XX/XX/XXXX/ XX/XX/XXXX I received calls and letters again from XXXX XXXX XXXX. I informed them the estate was insolvent. The rep replied ok. The next time I spoke with a rep they said they would still file a claim ... I told them it was insolvent.. I faxed them the court documents provided by my attorney .... A few days later I received another letter from XXXX XXXX XXXX wanting me to settle on the account. I attempted to contact XXXX XXXX  XXXX during regular business hours but they sent me to a voice mail and I asked them to stop attempting to collect from me. Do not call me again. Now, today I received court papers in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been with Navient for some time. In XX/XX/2017 my husband and I divorced, at the same time my monthly payments with Navient were up for review. They went from {$120.00} to {$900.00}!! I called and explained, my divorce as well as, having a child. They recommended I go into Forbearance instead of working with me to make a lower payments. They would not take into account other bills I pay every month, like daycare, utilities, groceries, car payment, nothing. I ended up in default. In XXXX I called again and spoke with someone, explaining my income, my son and all my bills. I told them I could pay {$250.00} a month. I was told the lowest they could go was {$410.00} and they would not budge. I was flabbergasted and so upset. Here I am calling to MAKE payments and they wouldnt accept them. She told me to go into forebearance and call again in a couple of months. I hung up and cried. I felt and feel helpless. Out of pure frustration, I just gave up and ended up in default again. So, I went back on Navient 's site trying to figure out what I could do. I ended up filling out a form that calculated whether Navient was asking more than I could pay based off my paychecks. Low and behold, they were. I submitted the forms via their process on their website and again was denied, even though this was THEIR formula and their apparent process. I am now sitting here with a 20 year old student load that started at XXXX and is now over 90k, with payments over {$900.00} a month that I will never be able to make and a company who wont work with me. What is someone like me supposed to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On approximately XX/XX/2019, i used my suntrust account to make a purchase on ebay for the amount of {$140.00} to a seller to have my ignition switch repaired, that seller never repaired my ignition switch and stop responding to emails. so i contacted XXXX with no help. 
So i contacted suntrust several times on different occasions and spoke with 4 different people with no help, the employees of suntrust claimed to have sent me an affidavit but i received nothing, today i spoke with someone named XXXX at approximately XXXX and was told they cant issue you a refund even though i didn't receive what i paid for, so i asked to speak to a supervisor, her name is XXXX and she told me we cant issue you a refund unless you respond back to an affidavit, i told her i never received one and each time suntrust claim they sent it to me by email i didn't receive anything, which i believe is intentional so that i cant dispute the transaction and delay the time so that transaction can expire.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America credit card fee. Tried to call to cancel card before annual fee was deducted. Was on hold for 30 minutes. After 30 minutes had to go on with my life. Called back next day and fee was charged and Bank of America refused to refund fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP
State: TX

Complaint narrative:
Car was turned in on time. Lender for the lease was US Bank. 

US Bank withdrew an additional payment after the lease was returned to XXXX from the bank without permission. 

When I called US Bank, they apologized and said they were going to immediately refund the payment. They did not. 

I then received a final statement 5 weeks after the car was returned stating that I owed an additional XXXX, and had outstanding rent of XXXX and they were going to apply the previous unnecessary and unauthorized payment and that I owed XXXX still. 

I then called and they said they had no record of the previous communications and no record of committing to return the unauthorized payment, but the car was turned in on time and now they are sending back a payment of approx. 700.00 from the overpayment minus the lease termination fee. 

If I hadn't been monitoring the refund, the bank was planning on committing fraud by keeping the overpayment that they took that was not authorized.

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 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX XXXX. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 


I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 


This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 


The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX  injuries. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 


I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 


This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 


The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX XXXX. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: AR

Complaint narrative:
There are several items on my credit file that exceed or reporting inaccurately. 

# 1XXXX XXXX XXXX  paid in full is not a charge off should not be reporting delinquent history. # 2 XXXX XXXX this account exceed the 7-year statue reported. # XXXX XXXX XXXX this account was paid in full was. Please remove the inaccurate delinquent history. XX/XX/2015 through XX/XX/2015. # 4 XXXX   Paid in full and I have the letter stating paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
Loandepot.com ... They continue calling me. I've asked them repeatedly to stop calling and take my name off their list and they refused. They are calling from+XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: IL

Complaint narrative:
I AM REQUESTING TO HAVE FRAUDULENT INFORMATION FROM XXXX/XXXX   REMOVED FROM CREDIT REPORT I NEVER OPEND CREDIT OR USED CREDIT. MY PHONE NUMBER WAS HACKED THROUGH XXXX  AND FRAUDULENT ITEMS WERE OPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I financed a XXXX with XXXX/XXXX and met all obligations as required. A mistake in the accounting procedure of XXXX without my permission or knowledge shifted my account temporarily to XXXX XXXX of which I never applied to or had an account with. This caused numerous reports to the credit people of late payments when they actually were not only on time and correct but 1 account more was paid and the account instead of being late was ahead. I have written numerous times and am attaching 8 pages of documentation for review.

Thank you for helping me get this cleared up and the credit reporting agencie : XXXX, Experian and XXXX to correct and remove all false reports

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 2020-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I was enrolled with freedom financial and one account for XXXX  XXXX XXXX was so called settled. Started XXXX. I left the program in XXXX. Bankruptcy was completed and the whole amount was included. A check was sent to their address from third party XXXX ( XXXX ). I never received it .so I need an audit based off of the complaint against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: IL

Complaint narrative:
I AM REQUESTING TO HAVE FRAUDULENT INFORMATION FROM SYNC/PAYPAL   REMOVED FROM CREDIT REPORT I NEVER OPEND CREDIT OR USED CREDIT. MY PHONE NUMBER WAS HACKED THROUGH XXXX  AND FRAUDULENT ITEMS WERE OPENED.

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