vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
On XX/XX/XXXX I called Midland Credit Management in order to pay a debt that had been mailed to me numerous times. The amount i was willing to pay was the exact amount that was owed. 

When I called Midland Credit Management they referred me to XXXX XXXX  XXXX, as they had purchased the debt. 

I then called XXXX XXXX XXXX and agreed to pay the debt of {$640.00}. 

During my call, which was recorded, we came to an agreement that I would pay monthly for a price of {$110.00}. While on the call they told me there was a processing fee of {$47.00}. I agreed to that and gave them my banking account information to have automatic withdrawals. 

They notified me I will have paperwork mailed to me in order to sign so the payments can be made. 

On XX/XX/XXXX, I was notified that I had a Court Constable trying to deliver a court summons to me. Upon delivery, I learned that is was from XXXX XXXX XXXXXXXX, regarding the Midland Credit Management debt I agreed to pay the day before. 

I then proceeded to call XXXX XXXX XXXXXXXX to find out why I was being served this summons. They told me that it was because I owed the debt and they had filed a summons on XX/XX/XXXX in the XXXX courts. 

While speaking with XXXXXXXX XXXX XXXX  I ask them why they did not inform me of this action with the courts when I was settling my debt on the phone the previous day. They responded that they assumed I had been served which is why I was calling to settle my debt. 

I was then told that they were not obligated to tell me. 

I told them that it was deceptive business practices for them to know that a summons was being sent to me via a constable, but not notify me when I was calling to settle my debt the day before. 

I informed them that they lied to me when I was making arrangements in good faith. Their response to me was that they didn't need to tell me. If I felt slighted, that they apologise. 

Being that this is a legal court document that was served to me, that is not acceptable. 

Upon further discussion, I informed them that I would like a copy of the phone call I made and the file which contained my information, which was in regards to XXXX XX/XX/XXXXand XXXX XXXX. This request was not acknowledged. 

I passed me off to a higher level manager who was very flippant and did not wish to help me resolve my issues of removing the court summons from XXXX XXXX courts. When I asked if even if I am still going to have to go to court over this issue, even though I set up payment plans, inwas told that it wouldn't be removed from the courts. 

This is deceptive, if not illegal. I will be seeing a lawyer about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XX/XX/XXXX; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: AZ

Complaint narrative:
XXXX Account # XXXX for {$49000.00} and XXXX Account # XXXX XXXX XXXX XXXX for {$32000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XX/XX/XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2021-04-07 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: AZ

Complaint narrative:
XXXX Account # XXXX for {$49000.00} and XXXX Account # XXXX XXXX XXXX XXXX for {$32000.00} are the sole responsibility of XXXX XXXX XXXX, DOBXXXX, SSN=XX/XX/XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2021-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient continues to call me over and over about wanting to reduce my debt ( when they have already told me they cant ) i have repeatedly ask to stop to calls. They called saying i am past due and not sure how that is possible when i paid in full and did not have a carry over balance, according to their systems. Now I show i am past due XXXX and the callers are very aggressive with me and refuse to stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is a dispute about how Paypal charges its US customers for purchases made in foreign currency. 

On XX/XX/2021, I made a purchase of {$140.00} in XXXX dollars, and used Paypal to pay for purchase with my USD Visa credit card. I expected Paypal to charge me {$140.00} CAD, which my credit card issuer would then exchange into USD. Instead, Paypal took the liberty to perform the exchange itself, and charged me in USD directly. 

Accoring to XXXX, a {$140.00} XXXX purchase on XX/XX/2021 would have converted to {$110.00} USD. ( My credit card company has no foreign exchange fee. ) Instead, Paypal charged me {$120.00} XXXX, which reflects a 4.4 % markup. 

I did not authorize Paypal 's currency exchange. Throughout the purchase, the web page displayed the CAD amount prominently, and did not ask me if I wanted Paypal to perform the foreign exchange. I expected to be charged {$140.00} CAD, and have my bank perform the foreign exchange with a reasonable exchange rate. 

What Paypal has done is very sneaky, underhanded, and unethical. 

The dollar amount involved here is very small and not important to me. But the overall amount involved across all of Paypal 's customers is surely significant. Paypay 's sneaky attempt to steal money via unauthorized foreign exchange fees left a very bad taste to me, and Paypal should not be allowed to keep doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: AZ

Complaint narrative:
XXXX Account # XXXX for {$34000.00} and XXXX Account # XXXX XXXX XXXX XXXX for {$25000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XX/XX/XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2021-04-07 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I already reached out to the credit bureaus and to XXXXXXXX XXXX XXXX XXXX for the account number XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH

Complaint narrative:
I had XXXX as my mortgage company and when XXXX hit last year, my husband and i both lost our jobs, so we couldn't come up with the mortgage payment since we were both unemployed. I called XXXX and they had a program to defer the payment for 3 months and then i was able to extended for 3 more months. According to XXXX, the months i missed are suppose to be added to the end of the loan. Few months down the road, my husband went back to work and we start the payments again on our mortgage but every time i paid the money got applied to the oldest month open! 
In the meanwhile, Select Portfolio Services took over the financial side for XXXX XXXX and they start asking for the full amount that i was behind on about XXXX k, i told them it was suppose to be added to the end of the loan and they denied that. I did not have anything in writing from XXXX, since it was an automated system that let me defer the payment for 6 months or so. 
Now i have been going back and forth with Select Portfolio Services to try to resolve the issue with them, they told me they will review my account with the underwriters and let me know! they requested some documents, like paystubs for my husband and W 2 and employment verifications etc and i feel like this is been taking forever and ever. I need to refinance my mortgage and this is kind a in my way, because on the statement it shows that i am behind and i owe XXXX k even though i have been paying every month. 
please help me resolve this issue with them. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A.
State: NE

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXX in order to pay a debt that had been mailed to me numerous times. The amount i was willing to pay was the exact amount that was owed. 

When I called XXXX XXXX XXXX they referred me to XXXX and XXXX, as they had purchased the debt. 

I then called XXXX and XXXX and agreed to pay the debt of {$640.00}. 

During my call, which was recorded, we came to an agreement that I would pay monthly for a price of {$110.00}. While on the call they told me there was a processing fee of {$47.00}. I agreed to that and gave them my banking account information to have automatic withdrawals. 

They notified me I will have paperwork mailed to me in order to sign so the payments can be made. 

On XX/XX/XXXX, I was notified that I had a XXXX XXXX trying to deliver a court summons to me. Upon delivery, I learned that is was from XXXX and XXXX, regarding the XXXX XXXX XXXX debt I agreed to pay the day before. 

I then proceeded to call XXXX and XXXX to find out why I was being served this summons. They told me that it was because I owed the debt and they had filed a summons on XX/XX/XXXX in the XXXX courts. 

While speaking with XXXX and XXXX, I ask them why they did not inform me of this action with the courts when I was settling my debt on the phone the previous day. They responded that they assumed I had been served which is why I was calling to settle my debt. 

I was then told that they were not obligated to tell me. 

I told them that it was deceptive business practices for them to know that a summons was being sent to me via a constable, but not notify me when I was calling to settle my debt the day before. 

I informed them that they lied to me when I was making arrangements in good faith. Their response to me was that they didn't need to tell me. If I felt slighted, that they apologise. 

Being that this is a legal court document that was served to me, that is not acceptable. 

Upon further discussion, I informed them that I would like a copy of the phone call I made and the file which contained my information, which was in regards to XXXX XXXX and XXXX XXXX. This request was not acknowledged. 

I passed me off to a higher level manager who was very XXXX and did not wish to help me resolve my issues of removing the court summons from XXXX XXXX courts. When I asked if even if I am still going to have to go to court over this issue, even though I set up payment plans, inwas told that it wouldn't be removed from the courts. 

This is deceptive, if not illegal. I will be seeing a lawyer about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: MI

Complaint narrative:
I was alerted via XXXX that this company listed my an account with my information under collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I have $ with PayPal. I bought crypto currency. The $ from my account disappears. I write PayPal and haven't gotten resolution. I can not afford to live without my $ so someones got to figure out where PayPal has delivered the $ from account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
On XX/XX/2021 Enhanced Recovery add a derogatory mark on my credit report per XXXX XXXX upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA. Enhanced Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: AZ

Complaint narrative:
XXXX Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: AZ

Complaint narrative:
XXXX Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/21, XXXX dollars was stolen from my XXXX bank of America account from an ATM. Its an ATM that I have never been to and they can see that in the transaction history. You can see for the last year I have only used XXXX ATMs. I would like the money to be refunded to my account. Someone must have stolen my card and pin number. I have since cancelled that card and received a new XXXX but they will not refund the {$680.00}. I called bank of america to dispute the claim and they said they would look at it. I recently received a letter saying the dispute was unable to be taken care of.

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 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: PNC Bank N.A.
State: IL

Complaint narrative:
I already reached out to the credit bureaus and to PNC BANK, NA for the account number XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America Account # XXXX XXXX XXXX XXXX for {$37000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My issue is about amex 's return protection policy. 

I purchased a few notepads online with my amex everday preferred card. The notepads were meant to be a birthday gift. However the seller didn't ship it on time and wouldn't allow me to return to the seller. 

So I had to start a return protection claim with AMEX. AMEX denied my return protection, quoting that " maps ... books ... '' are excluded from return protection policy. I called their customer service and the agent kept telling me that notepads/notebooks are books so they are excluded. 

I asked for escalation and the agent told me she will schedule a callback. However, it has been 5 business days and I didn't receive any calls from them. 

They are abusing their terms! I can understand that excluding books from return protection seems to be reasonable. But how does that apply to brand new notepads/notebooks as well??? I have a feeling that they just wanted to deny my case so they had to use such a ridiculous excuse!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Nelnet ( never attended XXXX  University XXXX unsub federal loan XX/XX/2017 {$6400.00} sub loan XX/XX/2017 {$3500.00} grant {$2600.00} I decided I was going to go back to school this year due to losing my job from COVID when I finished filing out my FAFSA I noticed my loan and grant total was exceptionally high. Looking further into it I noticed loans that I never took out. I called XXXX and they had information on file that was not mine. I have never lived in XXXX, West Virginia nor have I ever had that number. They instructed me to call NelNet for help resolving my Identity Theft case. NelNet was extremely rude. They told me I would received an email about what steps to take to resolve my issue. I have not received said email

Company response to consumer: Closed with explanation