vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-24 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/19, a transaction for {$1000.00} was made to XXXX XXXX Firm. On XX/XX/19, the services were terminated since no services were provided and a refund was requested. On XX/XX/19, a debit card claim # XXXX was initiated with BBVA stating no service or merchandise had been provided by XXXX. On XX/XX/19, I provided BBVA with the supporting documentation requested at XXXX, XXXX and XXXX. The investigator called me back and said she was have her manager approve the dispute that afternoon. She apologized saying they didn't realize I was a BBVA employee. I would see the credit post to  my account that night. On XX/XX/19, I followed up about the status with no reply or credit in my account. On XX/XX/19, I received a letter saying the claim was denied but I had a right to request copies of the documents which BBVA relied on in making their determination. On XX/XX/19, I requested the documents. I provided my email and mailing address for the documents. On XX/XX/19, I followed up on the status of the requested documents. To date, I have not received the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
This complaint concerns two or more health systems under the same insurance plan ( XXXX XXXX XXXX XXXX ) with a {$2500.00} deductible. I was never seen at XXXX XXXX  Hospital-XXXX. However, I was seen and had an XXXX XXXX and  XXXX XXXX at XXXX XXXX 's Hospital-XXXX Campus and made a payment of {$50.00}. The bill should not have been the amount that it was, given the fact that I already met my deductible. It does not appear that the bill was sent to the insurance company but did list the insurance company name. If the facility believes they are due more, they should resubmit the itemized bill to XXXX XXXX XXXX XXXX. 

The second biller was XXXX XXXX Hospital. I was seen at the hospital three times and this is just one bill of likely three that should also be submitted to XXXX XXXX XXXX insurance. To begin I was sent home three times from this hospital and it was even documented by one nurse in the ER that she was not going to treat me on XX/XX/2019. I was told that my XXXX XXXX   because it smelled like XXXX  which I was on from a XXXX XXXX from possibly contaminated equipment ( XXXX at the XXXX. XXXX  XXXX XXXX XXXX ) for a XXXX  and/or XXXX XXXX. If the facility was going to bill me after these visits, they certainly could have billed after my XXXX  instead of turning me away ; creating a series of ER visits ; not only to XXXX XXXX Hospital but as you can see it was to two other hospitals and my primary care physician.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX starting in XXXX of XXXX. I graduated in XXXX with an XXXX XXXX XXXX XXXX XXXX. After graduating, I was not earning enough money to be able to pay my student loan back. At the time the loan was serviced by Sallie Mae. The only option they gave me was to request a forbearance. 

In XXXX, my mom was diagnosed with XXXX, so I moved back home with her in XXXX, Wisconsin. I registered to finish my bachelors degree at the University of XXXX  XXXX. My credits from XXXX did not transfer to XXXX, especially after the admissions office at XXXX told me they would transfer. 

I had to pay for the same classes twice at two different schools. I was not able to pay back the loan after graduating so I had to keep requesting forbearances. While I was admitted to XXXX in XXXX and graduated in XXXX, Sallie Mae had my loan on deferrment, accruing interest while I was finishing my undergraduate degree. If my credits would have transferred as XXXX had promised, I would have been able to finish my degree in less time, accruing less interested in the process, resulting in a lower total amount of the loan. 

Now the XXXX school in XXXX has been permanently closed and the for-profit school was bought out then shut down. I have a large student loan that I'm still paying off and will most likely be paying this loan off for the rest of my life. I was misinformed by the school and am looking to get student debt relief. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
CFPB Complaint XXXX See above case number XXXX XXXX XXXX XXXX I tried to do a loan modification with SPS. SPS is stating to me that because I had other reviews in the past the investor says I am not eligible. I next submitted a short sale and SPS is stating because of how far behind I am on my mortgage that a short sale is not an option per the investor. The investor is XXXX XXXX. I spoke to XXXX XXXX and they stated I am eligible for a short sale because I never did one before. 

SPS should open my short sale review. I am eligible and they refuse to confirm this with XXXX XXXX. They should also open the review because these short sale documents were submitted 37+ days prior to my scheduled foreclosure sale date. 

SPS said they would review and now we have moved the file to a short sale and they are stating they need 45 days and the sale date was 42 days away when the file was submitted. They are changing the guidelines as they go in order to not open my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: CA

Complaint narrative:
XXXX says they credited my return made XX/XX/2019 and GM Card, Capital One says they haven't. It's XX/XX/2019. Capital One is going to Bill me and says they'll repay me when XXXX XXXX bank sends them the money. GM-XXXX-XXXX-XXXX, XXXX XXXX. XXXX at Cabela 's Capital One on a three way call spoke with XXXX at XXXX and can confirm this, Why can't GM Card do as much?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of XXXX I called Bank America customer line to let them know the past due and due amount were coming and to document. The person said " I can do one better how about 4 more months? '' I was tricked into a fake extension and even thouch I received no phone calls or letters, when I went to pay the agree upon time and amount, the bank would NOT take my payments and refused to take any additional payments. I was set up to default and set up to not be given a way out. Ultimately in XXXX they foreclosed and dismissed in XXXX ( florida ) then in XXXX my loan was sold ( even though it wasn't legal to sell given in was an in house loan not conventional mortgage, to rushmore. They filed foreclosure again despite statute of limitation expiring twice and won due to bad judge and bad defense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest Credit Systems continued to harass me on the phone about fraudulent debt. They said they were debt collecting on behalf of XXXX, my cable/Internet provider in the amount of {$880.00}. The date placed for collection was XX/XX/2019. 
I contacted XXXX, who confirmed my account was and has always been up-to-date and paid in full. They have zero documentation of sending any past due amount to a collection agency. My cable/Internet has also never been cancelled due to non-payment. 
I sent a dispute of this claim to XXXX, which was fully processed on XX/XX/2019. They indicated that it was " Verified as Accurate '' and suggested I contact you to further investigate this fraudulent claim. 
It should be noted that this debt collector, Southwest Credit Systems, was relentless, calling me from several different numbers. I asked them for proof of the debt from the original payee, which they could not provide. They also demanded I give them my personal information before they told me what the claim/phone call was about, which to me seemed very suspect. I've also looked online, and have seen many others have had the exact same issue of fraudulent claims from Southwest Credit Systems collecting " on behalf of XXXX. '' I believe they are a scam but somehow operating as if they are legitimate debt collectors. Finally, it should be noted that my credit is excellent, and I have no reports of any accounts going into collection, or of any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial
State: MD

Complaint narrative:
I filed a dispute with XXXX for a company called Mechants Preferred LE. The address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am a victim of identity theft. Someone has been taking out a lease on something for {$7000.00}. The date it was opened was XXXX XXXX. I have already filed a police report and told the company and XXXX, but know one is doing anything. At this point if you all can't help I will have to file a police report. This is the second time someone leased something 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 2019-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
The company I am submitting a complaint about is PayPal. This company denied a dispute I had regarding a {$150.00} transaction for an order I did not receive. The order was placed on XX/XX/2019 with a company named XXXX XXXX XXXX. I was informed of tracking info that I would receive shipment on XX/XX/2019, but shipment was not received. Upon working with XXXX to recover shipment, XXXX informed me that the tracking number associated with the package XXXX XXXX XXXX claimed they sent to me was erroneous. XX/XX/XXXX tracking information indicated that the shipment went to a different address than the original order and that it was signed for by a person that does not reside at my single family residence. I informed XX/XX/XXXX by email that I did not receive the shipment and that the tracking number they sent me did not match. I filed a dispute with PayPal online on XX/XX/2019. PayPal claimed that they contacted XXXX XXXX XXXX and that XXXX XXXX provided proof of delivery. It is quite apparent that PayPal did not contact XX/XX/XXXX in this dispute. I believe that PayPal only did a cursory check on the XXXX tracking number and did not verify whether the tracking number and tracking information was correct. This is an incomplete and unacceptable investigation on PayPal 's part and thus PayPal has failed to protect a long-time customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All my Student Loan Accounts are showing missed payments although they are all deferred, included in my Discharged Chapter XXXX and also states Excellent payment History.

These were included in my bankruptcy but are also deferred until XX/XX/2020. They are showing as missing a payment or delinquent and have been negatively reported. I contacted customer service and they told me they are not being reported as missing payments but they are as it shows 35 missed payments. I need to have these corrected with the correct notification as they should not be reported as missing any payments as no payments are due.

Also some of my accounts are reported as negative after my bankruptcy was filed and should be noted as included in bankruptcy and discharged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had purchases made on my account that I did not make. PNC Bank said that they would investigate once the payments posted. The charge was made on XX/XX/XXXX, and payments posted on XX/XX/XXXX. 

I called on XX/XX/XXXX to check the status of the investigation, and I was informed that no investigation was filed or started. I'm currently out {$1800.00}, and I've been informed that it may be up to 10 additional business days before any action/reimbursement will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$7500.00}, {$13000.00}, {$960.00}, {$30000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$960.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my 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 2019-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$7500.00}, {$13000.00}, {$960.00}, {$30000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$960.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my 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 2019-12-24 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$7500.00}, {$13000.00}, {$960.00}, {$30000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$960.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: CA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : 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