vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
The servicer of my Perkins Loan changed to XXXX XXXX on XX/XX/XXXX. The loan was in deferment because I am a full-time XXXX student, and after it was transferred, I repeatedly had issues with XXXX XXXX recognizing my full time student status. I sent them my enrollment status in XX/XX/XXXX and was told the loan was in deferment. However, in XX/XX/XXXX, I discovered that the loan was not in deferment and I was going to start being charged monthly payments. Not only did XXXX XXXX not contact me about changes to my account or subsequent monthly charges, but failed to provide any documentation explaining the status of my account with or a breakdown of charges and fees. I contacted XXXX XXXX via phone and email during XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, my deferment status was finally accepted and retroactively started on XX/XX/XXXX. The charges posted to my account were removed expect for interest and late fees that accumulated during my dispute about the status of my loan during XX/XX/XXXX and XX/XX/XXXX.  Via email and telephone, XXXX XXXX representatives said that charges posted to my account would be removed including principal charges, interest, and fees. As of XX/XX/XXXX, my account still shows fees and interest accrued since my loan has been in deferment. I have called and emailed XXXX XXXX over 5 times between XX/XX/XXXX and XX/XX/XXXX, and been told the problem would be fixed, but the charges have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Portfolio Recovery Associates which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Portfolio Recovery Associates has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Portfolio Recovery Associates. Portfolio Recovery Associates is in  violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased with my Chase VISA credit card XX/XX/XXXX a Tour with XXXX XXXX in XXXX XXXX XXXX. The tour company was very popular and we were requested to pay {$5000.00} in advance for a XXXX 16 day Tour package departing XX/XX/XXXX. In XX/XX/XXXX we were to have received our airlines tickets, hotel information, Optional Tours we purchased, River Cruise tickets, all parks and bus and plane travel and food was to be supplied. All prepaid by our family. 
The Consumer Protection of XXXX suspended the XXXX license and they ceased to exist effective XX/XX/XXXX. I tried to call the company on XX/XX/XXXX when I became aware of their Fraud and closure. The XXXX website and telephone number directed me to Consumer Protection of XXXX. Consumer Protection directed me to Chase Bank to # 1 put in a merchant dispute to get our {$4900.00} back from the merchant bank. After a few months the Merchant has  refused to refund our money because it has been over a year since we paid. 
Where I disagree with both Chase Bank and XXXX XXXX XXXX  XXXX is I believe it IS 60 days or one year from the date of DELIVERY of their service or product or goods. XX/XX/XXXX was our DELIVERY OF GOODS travel date. I don't believe the date I paid is the date to BEGIN my dispute. I believe the date services were to be rendered is the date to establish a starting point. XX/XX/XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a BANK OF AMERICA customer for over 10 years and never had any problem till recently when i had lost my card at a XXXX gas station in month of XX/XX/XXXX. This is what happened i went on line on XX/XX/2018 to make a payment on my credit card that was issued by BANK OF AMERICA and noticed many transaction on my statement that was not authorized by me nor anyone i know, i immediately contacted bank of america and notified them about these unauthorized charges and the gentleman that was helping me asked me if i have my card on me and told them let me check and told him i can not find my card i think it is lost. Right after that he told me he is going to block that card and he is going to issue me a new card also told me that i am not going to be responsible for any of these unauthorized charges and we went on list of the transaction that was done fraudulently and they give me a case number and that was the end of conversation. A day later i git an e mail that my new cards on the way and i looked at my  statement and noticed that my account was credited {$1200.00} which that was not the correct amount the correct amount was over {$13000.00}, i immediately contacted bank of america and this time i spoke to a lady that we had to do the same thing go over all the charges and they said that they are sorry and they credited my account for the difference. I assumed everything was final because i never got a fraud package from them but i got an email that said the money was credited to my account they are taking back because there was three charges that i disputed originally and the person was taking the note from me forgot to put those charges in their notes and base on that they are telling me all the other charges are mine. which is the reason i am here to solve this issue because no one needs to go through what i am going through. Please HELP ME.

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 2018-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I filed a dispute with the credit bureau regarding many accounts that are reporting to my credit report that do not belong to me. 
The credit bureau has not provided proof of ownership and instead has provided false information to my credit report without proper documentation confirming the accounts.

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 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
In XX/XX/2018 a certified letter was sent to Portfolio Recovery Associates requesting proof of contract or application obligating me to this debt this company claims I owe. Portfolio Recovery Associates has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Portfolio Recovery Associates. Portfolio Recovery Associates is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I filed a dispute with the credit bureau regarding many accounts that are reporting to my credit report that do not belong to me. 
The credit bureau has not provided proof of ownership and instead has provided false information to my credit report without proper documentation confirming the accounts.

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 2018-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I filed a dispute with the credit bureau regarding many accounts that are reporting to my credit report that do not belong to me. 
The credit bureau has not provided proof of ownership and instead has provided false information to my credit report without proper documentation confirming the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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 — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I placed an order on XXXX on XX/XX/2018 and used PayPal as my form of payment. My debit card is linked to my PayPal account. The order did not process but a three pending authorizations of {$310.00} are on hold with my bank. There is no order but PayPal still obtained a hold for 3 transactions of {$310.00} each. I was told there was a technical error between XXXX and PayPal and I must wait 3-5 business days for the authorization to be removed. They should not have not submitted for an authorization when the order did not go through. So now theres no order but over {$900.00} of money is being held for 5 business days. I should not have my money on hold due to there technical issues. My money should be made available to me especially when theres no order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
In or around XX/XX/2018 XXXX XXXX was approved for a loan modification. On XX/XX/2018 XXXX XXXX submitted an appeal of the loan modification offer. Pursuant to Regulation X, 12 C.F.R.

1024.41 ( h ) ( 4 ) a loan servicer is required to keep an offer of loan modification open until no less than 14 days after the loan servicer completes the appeal. On XX/XX/2018 XXXX XXXX, an attorney for Caliber Home Loans, notified Mr. XXXX that, since he rejected the modification offer, " your default can not be cured '' and the property was now subject to foreclosure. XXXX XXXX did not acknowledge the right to appeal or the deadlines prescribed by Regulation X. Caliber then advanced foreclosure while the appeal should have been pending in violation of Regulation X, 12 C.F.R. 1024.41 ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/2018, I was charged a service charge of {$7.00} due to holding a balance of less than {$500.00}. 

Keybank misplaced a deposit on XX/XX/XXXX which would have put my account well over the threshold resulting in me nor being charged. They still have not found the deposit and have just lost another one over {$1000.00}. 

Keybank is just very, very bad at what they do and they charge a premium for it. 

I want the {$7.00} fee refunded. I also plan to sue for the {$1200.00} and haven't begun collection process for their most recent blunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I have made numerous complaints about PenFed Bank about an unauthorized inquiry on my report from XX/XX/2018. Each time they claimed different bs. Finally they made a comment in which i have the letter stating they will remove the inquiry from my credit report which they just said that to please the CFPBlile they were really concerned about doing what they said they were going to do. I have attacthed a screenshot showing that they have failed to remove it from my credit report and that it was recently updated with XXXX  this month. I'm only writing just to let CFPB this company lied about what they said they were going to do. As of Monday XX/XX/2018 i will take the letter that they stated they were removing it from my credit report to a lawyer and take this matter to court. If they deleted like they said they were going to do they wouldn't have updated the credit bureau as of this month. They would have updated it as deleted but they chose not too so i have no other choice now on this matter

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 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: AR

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Cavalry SPV I, LLC which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Cavalry SPV I, LLC has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Cavalry SPV I, LLC. Cavalry SPV I, LLC is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On or about XX/XX/2016, I was fired form my job as a XXXX XXXX XXXX at XXXX XXXX XXXX - XXXX, TX. My mangers asked me about my occasional XXXX. 

I was mot missing time from work and I also had approved XXXX with unlimited absences. I also had nearly 200 hours of PTO untouched. When I did not allow them to violate my HIPPA rights, I was told to update my medical status as soon as possible. My doctors arrange 5 referrals visit for me during the first week of XX/XX/XXXX When I presented this list to my management on XX/XX/2016, I was released without cause or explanation. 

My condition worsen. XXXX XXXX, XXXX XXXX, and positive XXXX XXXX screening is what I am facing today. Despite my issues, I have been actively seeking employment despite my physical appearance. 

XXXX was already under internal and external investigation for similar actions against employees. my medical coverage was terminated before I could make the badly needed appointments. To make matters worst, they continues to show me as employed with medical coverage in place. This action prevented me from purchasing affordable coverage as well as qualify for XXXX XXXX indigent coverage. I hired attorneys to help with this case and a second attorney to address my XXXX benefits. My condition worsen and I had emergency XXXX XXXX in 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 2018-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX shows late 30 days. company and documents state never late. bureau shows verified. XXXX states they were never notified of dispute from bureau. 
2.XXXX XXXX , XXXX XXXX XXXX . I requested verification on both accounts due to I have XXXX sons named after myself and they do in fact have these cards. Both cant provide me with any documentation with my signatures on anything. 
3.Bk was disputed and deleted in XX/XX/XXXX but since above disputes bureau has reinstated on my report without any notice. 
bureau is using third party info for verification and not contacting the companies as required by law. 
Two other account were also not verified. 
All requests were not notarized and sent certified mail. 


NONE OF THE ACCOUNT SHOWN ON MY DEMANDS FOR VERIFICATIONS AND CORRECTION WERE CONTACTED BY EXPERIAN.

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 2018-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft please remove Bankruptcy : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
ERC has appeared on my recent credit report i am not familiar with this dept, it is not mine and should be removed from my credit report. 
XXXX was removed from my credit report and had lack of verification which was sold to ERC who has reage this account which is illegal i am also questioning ERC ability to report. 
Im asking that i recieve the original contract from XXXX showing that this is indeed my debt and also there ability to reage this account, this is multiple laws that ERC has broken i will also be sending this complaint to the FTC for them to review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We are trying to work with sps mortgage to fix our home loan. 
We uploaded the application we filled today and sent to them. 
We have been trying to work with sps mortgage for years now and they just keep denying us without good reason they just dont want to work with us. 
this was a bad toxic predatory loan originated back in XX/XX/2006 misrepresntion on terms of loan and forgery on documents from the loan broker.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to XXXX XXXX XXXX/XXXX XXXX which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. XXXX XXXX XXXX/XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
Paid by phone as I have for 20 years received confirmation then notice by mail payment rejected same bank 20 years. Call customer service big joke no answer late charges hike interest rate. Really? Are there laws protecting consumers? This is fraud!

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