vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I open an Paypal account and my account closed without any reason. When I call to inquiry why my account was permanently closed, every representative failed to advised me. I have an available balance on my account that I want to retrieve but cant due to this closure unexpectedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO BLOCK THE INFORMATION FROM BEING REPORTED HOWEVER, THE CRA 'S REFUSE TO BLOCK SAID ITEMS LISTED.

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 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO BLOCK THE INFORMATION FROM BEING REPORTED HOWEVER, THE CRA 'S REFUSE TO BLOCK SAID ITEMS LISTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: KY

Complaint narrative:
I co-signed for my daughter an apartment @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY and that lease was finished out. My daughter later on signed a lease with the same Apartment Management company @ XXXX XXXX XXXX # XXXX XXXX, KY. She had an unpaid balance from that unit. This company has reported me to the collection agency/credit bureau as my debt. I showed documentation that I am not on this lease at all. They said that because I co-signed on a previous lease it is their policy that I can be held liable for another lease?. This is fraud and illegal. I demand they be held responsible for this fraud as this has dropped my credit score 40 points while I was in the process of purchasing a home. 

I filed a dispute against Rent Recovery the first part of XX/XX/2019 and they said it was accurate, the place was reporting it accurate. 
I called XXXX XXXX XXXX today and they said they could consider me a co-signer on another lease that I did not agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
The collection merchants credit guide should be closed it is under bankruptcy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I received a two letters from ARS that was date stamped as of XX/XX/2019 with a date of service on XX/XX/19 from XXXX XXXX of XXXX, one has a balance of {$1000.00} and the other has a balance of {$1100.00} that states they verified the information and confirmed the balances are correct. 

I responded on XX/XX/2019 with a certified investigation letter asking for more information on these debt. ARS sent the exact two same letters out again with a date stamp of XX/XX/2019 with no valid proof this debt belongs to me. 

As I stated in the original investigation letter my rights per the Fair Credit Reporting Act, is to challenge anything I am not sure is accurate and request for valid proof. Also according to 15 U.S.C. Sec 1681i, if they aren't able to provide proof of these account they aren't able to collect or report them to credit reporting bureau. Which all of this is to be completed per the Fair Credit Reporting Act within 30 days of the date they receive my letter.

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 2019-07-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education
State: UT

Complaint narrative:
I have a student loan with UHEAA. I have been scheduling automatic payments for years with no problems. I recently adjusted the automatic payment to pay more each month to pay down the principal faster. After adjusting the automatic payment the problems started. My online account shows the automatic payment setup correctly but it is not going through. The first time this happened I wasn't notified until they were about to send me to collections. I used the SAME information used for my automatic payment to schedule a one time payment that got me caught up ( including the late fees they applied on my account ) and that went through. I contacted UHEAA about this and they stated my account has an automatic payment setup so it was my bank 's fault that the payments didn't go through, even though there has always been sufficient funds in my bank account for this payment. I went to my bank and asked them and the ACH department reviewed my account and stated there were no request for a payment from UHEAA except my one time payment. I called UHEAA about this and they stated it should be fine at this point. I asked them to contact me if it doesn't go through again. The representative stated they would notate that in my file and I should be contacted for any problems. The next month, the automatic payment did not go through AGAIN. UHEAA also did not contact me. I checked it the day of and day after to see if the payment would go through but it has not and UHEAA did not contact me about a failed automatic payment. I'm trying to pay the company, and pay my loan faster than required, but UHEAA is not taking my money as schedule on their system, yet still fining me late fees when the automatic payment in their system does not work correctly due to their fault. In my opinion this is now predatory lending tactics to get fines from their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: CO

Complaint narrative:
XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account does not belong to me and should not be reporting on my credit report. This account belongs to my son. I have contacted XXXX and the representative that I spoke with assured me they would remove this account, however the account continues to be reported on my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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 2019-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a text from ( XXXX ) XXXX stating : " We have been trying to contact XXXX XXXX regarding outstanding ACCT # XXXX.Please Contact XXXX at your earliest convenience. '' -- On XX/XX/XXXX, I hit the phone number ( which was a live link to dialing ) that appeared in the text message, and an aggressive XXXX American man answered saying he was from a company called " XXXX '' and he claimed they were a " mediation firm ''. He tried to bully me into giving out my personal information. I wouldn't confirm my name or phone number ( worried it was a phishing scam ), but he said he could look me up by my phone number and asked " is this XXXX XXXX? '' I asked him what this was about ( not confirming my identity ) and he wouldn't give me a " debt '' amount for the supposed delinquent debt, or a company name for the supposed " debt ''. However, he threatened litigation and when I wouldn't give out my personal information, he told me that my " debt '' was going to be sent to court and I'd have to get my lawyer to deal with it and he hung up. 

-- On XX/XX/XXXX, I called the XXXX again from a landline and got an aggressive woman who said she was with " XXXX '' also and she sounded like she was in a boiler room/call center. She demanded the last four numbers of my social security number. I did not give that to her so she hung up on me. 

-- I called a third time on XX/XX/XXXX and spoke to a woman who said she was in XXXX, Florida who said she was from " XXXX '' and that they were a " mediation firm ''. She said the last two times I called the XXXX number it did not go to XXXX because she would've had record of it on the system. ( Even though I used the link in the text that was sent me, she claims the other two prior calls I made did NOT supposedly go to XXXX XXXX She also would not give me any information on the supposed " debt '', other than the first two calls supposedly didn't go to XXXX. 

-- FYI : I have no outstanding debts. This seemed like a bullying phishing scam. My credit score is XXXX and I meticulously track all my monthly payments on a chart. 
-- FYI, they knew my legal name just from my phone number and were able to quote the last 4 digits of my social security number as well. 
-- PLEASE, go after JP Morgan again as I understand they did this sketchy " collection '' stuff in XXXX and your agency won a class-action suit against them, and it appears they are doing it again!! I have no such debt. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My card has been charged an " Optional Enhanced Debt Protection '' fee that I was unaware of and did not opt in to. When I called today to cancel it, I was told it has been on my account since XX/XX/2012. It is about {$12.00} a month ( {$0.00} per {$100.00} of balance ), so I have paid {$1200.00} to this when I never gave consent for it. This card is with Citibank through Best Buy.

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 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account does not belong to me and should not be reporting on my credit report. This account belongs to my son. I have contacted XXXX and the representative that I spoke with assured me they would remove this account, however the account continues to be reported on my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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 2019-07-24 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: UT

Complaint narrative:
I have tried to call this company for the student loans, they always tell me to go to the website and I do but find no way on trying to reduce my payments as I do not work, they website takes me on a loop and it never works to reduce or help with the student loan. They are a scam and they call me about 8 times a day but they don't really want to help. When they have helped reduced a loan it was only one of them even though I consolidated them with them. They just seem like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as there was an account listed that I did not recognize as I have always had insurance/Medicaid that fully covers my medical. On XX/XX/2019 I reviewed my credit profile again as Ability Recovery Services had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX, XXXX Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and that all information is correct.

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 2019-07-24 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
i disputed at the end of XXXX XXXX from sonic. it staill has not been refunded most banks would just credit that without initaition of a dispute process. this bank has spent time calling meback emailing but it has not been resolved its been 2 months since i disputed this and the XXXX need to be refunded. has not been. i have spent time trying to find out that i dont have same SCRIPT it takes 2 months it has been 2 months It speaks volume as to how i am viewed by this bank to put me thru it. As such i will barely use my account REFUND the dsiputed amount already XXXX GIVE ME A BREAK

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 14 and 25 of the attached credit report. ) This account has a {$0.00} balance. This line item has not been updated and by incorrectly reporting this information is a violation of the Fair Credit Reporting Act. I have contacted the bureau to fix this, however I have been unsuccessful. This incorrect reporting is harming my credit score and this line item needs to be updated to report a {$0.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX XXXX XXXX  inaccurately reporting ( 6 ) accounts from XXXX XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible XX/XX/XXXX 90 days or XX/XX/ 120 Equifax inaccurately reporting ( 6 ) accounts from XXXX  XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible August 90 days or XX/XX/120 XXXX is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX   XXXX XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible XX/XX/XXXX 90 days or XX/XX/120 120

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: CT

Complaint narrative:
Had my vehicle repaired at a friend 's place of business. In the past, the owner had allowed me to make payments if the bill was large. This time, she said she was unable to, due to the larger amount of the bill ( {$1100.00} ). She stated she knew of a company that she had previous dealings with that may be able to help, and gave me their website address. I applied and was accepted. Feeling I had no choice, since I need my vehicle and can not afford to purchase another, I accepted all terms and conditions. The entire transaction was accomplished online. Upon further thought and investigation, I realized the loan would cost me about twice the amount of the bill over the 1 year term of the transaction ( 12 monthly payments of {$190.00} ). Nowhere in the transaction terms was an interest rate mentioned ; rather, the transaction is referred to as a " rental ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Ally Financial to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Ally Financial to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of 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 2019-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I originally took out an auto loan with Navy Federal for a XXXX XXXX XXXX, they took over the tile from the original lienholder, XXXX and Navy refinanced my loan. Approximately XX/XX/XXXX, I was in an accident with the vehicle and it was totalled. My insurance company, XXXX, paid to Navy Federal 70 % of what the vehicle was worth. The remainder balance was reduced through GAP insurance which I had with Navy. The remaining amount of the loan was approximately {$3000.00}. I took out another loan to get a new car because I have to work. I am making a payment of {$570.00} as a monthly car note, my insurance also went up exponentially because my insurance increased my premium due to the accident and because I moved. I applied to refinance the remaining {$3000.00} with Navy and they denied refinancing my loan. They put my loan in default and a delinquent status, which will impair my credit because they denied refinancing my loan and require me to make the regular payment of {$570.00} as I did prior to totalling my car. This put me in a position to make two full car payments with over {$1000.00} per month going out of my paycheck to car loan payments. I can not afford that. I also rent, furniture bill, electric bills and other bills and I can not afford to pay {$1000.00} to car payments. I informed Navy Federal of this and they still denied refinancing my car loan to get my car payments cheaper. I think this it is unscrupulous and unethical for Navy to put me in a position in which I am unable to make the payments and unreasonably denying my refinancing of the remainder of my previous car loan. This puts me in a position to get bad credit through no fault of my own. I am not unwilling to make the payment, I just can't afford {$570.00} per month and I have informed Navy of this fact. Navy is being unreasonable in denying refinancing of my loan.

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