vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 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:
To Whom It May Concern : I am submitting documentation regarding my student loans ; I am a retired veteran with almost twenty-two years of XXXX XXXX service. My student loans were discharged XX/XX/XXXX of XXXX due to XXXX through XXXX, XXXX, The US Department of Education and XXXX   XXXX/XXXX. I am having issues with all US Department of Education loans starting with account number XXXX and XXXX  XXXX/XXXX loans starting with XXXX reporting inaccurately to XXXX, XXXX  and Transunion. 

I have disputed this several times with the credit agencies and provided all the necessary documents regarding the discharged accounts. I have also reached out to the loan servicers and the Department of Education to get this issue resolved, however as of XX/XX/XXXX of this year they are still reporting incorrectly. I have included a copy of all documents that were sent to the credit agencies and loan servicers as well as copies of my credit reports. As you will be able to compare on my XX/XX/XXXX and the most current credit reported dated yesterday XX/XX/XXXX. 

At this time, I am requesting that you review all the documents and assist in helping to resolve this issue in a timely matter as I am not able to move forward on purchasing a home that I have a contract on and a closing date of XX/XX/XXXX and until this has been resolved. The 120 late 's that are being reported have pulled my credit score down over 100 points and with these accounts still showing open, it looks like I still have a debt that I haven't paid. Thank you for your assistant in this matter and I also give my wife XXXX XXXX XXXX permission to speak to anyone on this matter if I am not available. 

Thank you, XXXX XXXX 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 2019-11-15 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:
To Whom It May Concern : I am submitting documentation regarding my student loans ; I am a retired veteran with almost twenty-two years of XXXX XXXX service. My student loans were discharged XX/XX/XXXX of XXXX due to XXXX through XXXX, XXXX, The US Department of Education and XXXX XXXX/XXXX. I am having issues with all US Department of Education loans starting with account number XXXX and XXXX XXXX/XXXX loans starting with XXXX reporting inaccurately to Experian, XXXX  and XXXX. 

I have disputed this several times with the credit agencies and provided all the necessary documents regarding the discharged accounts. I have also reached out to the loan servicers and the Department of Education to get this issue resolved, however as of XX/XX/XXXX of this year they are still reporting incorrectly. I have included a copy of all documents that were sent to the credit agencies and loan servicers as well as copies of my credit reports. As you will be able to compare on my XX/XX/XXXX and the most current credit reported dated yesterday XX/XX/XXXX. 

At this time, I am requesting that you review all the documents and assist in helping to resolve this issue in a timely matter as I am not able to move forward on purchasing a home that I have a contract on and a closing date of XX/XX/XXXX and until this has been resolved. The 120 late 's that are being reported have pulled my credit score down over 100 points and with these accounts still showing open, it looks like I still have a debt that I haven't paid. Thank you for your assistant in this matter and I also give my wife XXXX XXXX XXXX permission to speak to anyone on this matter if I am not available. 

Thank you, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of Identity Theft. 

XXXX XXXX is reporting on Citibank collection my credit file that is extremely damaging to my credit. i am getting no response from the collection agency reporting this debt.

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 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P.
State: KS

Complaint narrative:
I submitted my first complaint against LTD financial services on XX/XX/25 in hopes to come to an agreement on this debt. I requested an accurate summary of charges and was only sent a move out statement. I was not satisfied with the response so I contacted the original creditor on this matter and was told that LTD would have an itemized list of charges for what the damages and cleaning fees were for. LTD financial services refuses to give us this list and I believe the chargers are incorrect. I would be happy to pay my debt if anyone was willing to give me the itemized list of charges for the " Damage fees '' and the " Cleaning fees. '' I do not think it should be too much to ask to see what I am paying for. This is what I have been asking for for nearly 2 years now, XXXX XXXX XXXX have been very helpful in helping me find the information that was available to her and for that I am appreciative, however I seem to be hitting a brick wall with LTD Financial Services. When I ask for an itemized list for the next ( third ) time, I expect to receive just that. Not a move out statement ... Again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a Capital One credit card that unfraternally went default due to a hardship that I am going thru. The account went charge off, I called Capital One with the hope to get a resolve my balance and prevent any legal collection. 
During my call with Capital One I explained my situation and they offered the option to settle the account for less than the balance, I told them I could get a family loan for {$2000.00} dollars, the Capital One representative answered he cant settle for that amount but will ask for an approval, He asked for some for Capital One approval or decline my offer. 
After a few days of waiting, I called Capital One asking for the decision of my offer, but I was informed that the account was assigned to a Law Firm. 
This Law Firm is named XXXX XXXX  XXXX, so I called them but when I first called, they didnt have the file set up, so I just left my contact information. 
A few days later this Law Firm called me. At the beginning of the call the representative informed me that he was a debt collector, not an attorney. I asked if the company was a debt collection agency or a Law Firm, due to the activities they perform he clarified they are not attorneys, but they are debt collectors. 
In this initial call, the representative asked how I can pay the balance, but I explained that I was not able to do due to my financial crisis and the hardship I am going thru. I informed him I can get a family loan to settle the debt and I was waiting for Capital One approval of my offer before they sent the account to his office. At the end of the call he clearly threats me with a lawsuit because we did not meet in an agreement. 
A few days later, I received a second call from the same law office/collection agency, The representative asked for a payment in full and this time the pushed me hard to pay off the debt, for second time I explained my financial situation and this time the representative asked for my monthly income, expenses and the source of the income. After I answered all his questions about my financial crisis, the representative suggested that I was lying, and my answers do not make sense to him ; It was not a nice call since the collector called my layer. I asked to the collector if he can forward and show my offer to his client ( Capital One ) but he responded that was not possible because he was expecting to collect the entire debt and for second time, I receive a threat that I will get suit since I could not pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
For several years, I have had a credit account with Paypal Credit. In XXXX, 2019, Synchrony Bank bought out the company who provided credit for Paypal. It has been a real mess since they bought the other company out. 
I have been current with Paypal Credit since I got the account. I have made the following payments since Paypal Credit since XXXX. I am providing this info based on the fact that I was current when Synchrony Bank took over ... These are the dates and amounts of the following amounts debiting my bank account for payment to Paypal Credit. 
XX/XX/2019 {$300.00} XX/XX/2019 {$400.00} XX/XX/2019 {$300.00} XX/XX/2019 {$250.00} XX/XX/2019 {$250.00} XX/XX/2019 {$200.00} XX/XX/2019 {$250.00} XX/XX/2019 {$120.00} In XXXX, Synchrony requested a second payment for the month because they decided to change the payment date to a different date in XXXX. As you can see, I had already paid them {$300.00} that month. I called them to dispute it with them, and they informed me that I would have to honor their new payment date. I live on Social Security, so that was not a realistic solution for me. In addition, I informed them that as of XX/XX/2019, I had lost everything that I own in flood waters ( the Nebraska Missouri River Flood of 2019 ). It was a declared Natural Disaster. I had been told by my bank that they are required to freeze payments and interest for 6 months following a natural disaster ( that is declared and signed by the president ). Synchrony Bank did not do this. I continued to pay them anyway. However, they have never resolved a problem. 
It might be noted that I do have another account that they manage for Walmart Credit. It is in default because the account was used by a family member without my authorization. I do not have the money to pay on the account, and my family member has said that they will begin to make payments. Every time I call, Synchrony tries to collect on that debt, and they will not work out the problems on this account, which has ALWAYS been current.

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 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation
State: UT

Complaint narrative:
I received a debt collection notice from Global Credit & Collection Corp dated XXXX/XXXX/2109 and I sent them a response by mail within a week that I do not owe the debt that they are trying to collect. 

On XXXX/XXXX/2109, I received a phone call from Global Credit & Collection Corp asking me to pay the debt. I told the representative that I did respond to their inquiry and not to contact me any longer I would like them to remove me from their contact list since I don't owe the debt they are trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I logged into my online account to pay the balance due. I paid the balance due. When I logged in later, it stated I owed money. I called to inquire. The rep could not answer in a satisfactory manner. today,XX/XX/XXXX, I called again..after the run-a-round, I said how much do I owe to settle, she stated an amount higher than what balance owed said in account summary. A supervisor then explained it was for interest. How can I be charged interest when I paid the balance owed? Also, there should be some warning that the balance owed figure will not include interest and more money may be owed. It is misleading to the client. Almost fraudultent.

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 2019-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
Im currently a single mother working full time. When I was XXXX years old back in XXXX I applied for college. Because my parents werent going to help me pay for it I planned on just taking a few courses and paying them as I go. When my father and I went to interview with school they informed us of applying instead for student loans. They pushed Sallie Mae ( Navient ) and a variable interest rate with a deferred graduation payback plan. While I was in school I got horribly sick in XXXX. I had to drop out because I was sent to XXXX  for XXXX  XXXX. The school didnt tell me that I would have to pay back every dime I borrowed as soon as I dropped out. So Sallie Mae suggested deferment they informed me that it wouldnt change my payments and that was however false. As soon as I deferred them my payments jumped XXXX more a month and at the time they were XXXX a month. In XXXX I had a short period where I didnt have a job and I started more schooling after moving to Pennsylvania so I contacted Sallie Mae ( Navient ) and they again suggested deferment because they would not work with me on income repayment plans and told me this was the only option other than badgering my family members for money handouts or they would send me to collections. The representatives were extremely rude and didnt offer anything except those options. So again my interest rate jumped after deferment and my payments this time increased to XXXX a month. I continued to pay on it and as they economy fluctuated so did my interest rate. Not only did the representative from Navient not inform my father and I back in XXXX when we signed up that a variable interest rate would always go up and never go down but they also didnt inform us that there was no cap to how high your interest rate could go. It started at 4.9 % interest back in XXXX which I was told was great. And in XXXX when I found out I was XXXX  with my son being a single mother with a full time job and a XXXX  XXXX  I had no choice but to defer my loans again because they would not assist me in any way and offered no help. So when I finished my XXXX  leave 3 months after deferment of my loans for the last time my interest rate jumped to 11 % and my payments jumped to XXXX a month! So not only did I have a XXXX  XXXX  to care for and pay for but I also had a very high monthly payment that I couldnt afford. Once I had finally had enough of Sallie Mae ( Navient ) I consolidated my loans with XXXX XXXX but Sallie Mae continued to charge me for 2 months even after XXXX XXXX paid them off. They threatened collections and I officially had enough of them. Be warned Sallie Mae ( Navient ) does not care about your well being and will take every dime you make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Ive been applying for loans an not Recieving anything but approved would like to receive all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: VA

Complaint narrative:
Someone is using my identify. I never own an account with the creditor. 

The debt collector is refusing to verify the debt and a harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Protas, Spivok & Collins. LLC
State: VA

Complaint narrative:
I first received a letter dated XX/XX/XXXX from Protas, Spivok and Collins, LLC, stating they were a firm representing XXXX XXXX XXXX XXXX with XXXX XXXX being the original creditor and if account was not in dispute they expect full payment of {$7300.00} and unless I notified them in 30 days that I dispute the validity of the debt they will assume the debt is valid. I then sent them a response letter on XX/XX/XXXX advising that validation is requested and to provide me with the following : provide me with the following : ( 1 ). What the money you say I owe is for ( 2 ) Explain and show me how you calculated what you say I owe ( 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( 4 ) Provide me with the original contract bearing my signature ( 5 ) Identify the original creditor ( 6 ) Prove the Statue of Limitations has not expired on this account ( 7 ) Show me that you are licensed to collect in my state, and ( 8 ) Provide me with our license numbers and Registered Agent. They then sent another letter dated XX/XX/XXXX without any of the information I requested. The letter only stated the debt has been verified and the name of the creditor and balance. On XX/XX/XXXX I sent another letter to them asking where is the proof they have the right to collect the debt from me, proof the own the debt, payment history from the original creditor, copy of original contract bearing my signature, and how the fees where determined. Instead of the company validating the debt and proving in proof the decided to send me a summons to court instead for XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America send me an unsolicited email message that contained the following statement : " Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. Please do NOT send any physical mail to this address, especially mail containing sensitive information. 

Need to get in touch? Simply visit our Contact Us page for multiple ways to connect. Please do not reply to this email, as email replies are not monitored. '' Specifically Bank of America does not want me to contact them in writing regarding the matters of the unsolicited email message that raised multiple concerns.

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 2019-11-15 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS
State: CT

Complaint narrative:
Have speeding ticket on file for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I pulled my credit report on XX/XX/XXXX XXXX and discovered there was two collections in my report from Portfolio Recovery Associates, LLC and two hard inquiry 's. On XX/XX/XXXX XXXX I sent a letter to Portfolio Recovery Associates, LLC which they received on XX/XX/2019. The letter will be on file. I asked Portfolio Recovery Associates, LLC for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every  payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. I received a letter from Portfolio Recovery Associates, LLC, but they did not give me what I asked for.They did not show me any proof that I owe this monies, but a letter stating my name, account numbers, and a balance. I am forwarding all my letters for you to see and Portfolio Recovery Associates, LLC to see just in case they claim they didn't receive my letters. I have already filed a complaint on Portfolio Recovery Associates, LLC with CFPB .The complaint number is XXXX which Portfolio Recovery Associates XXXX LLC resolved account number ending in XXXX by saying that they are removing it, but did not resolve the hard inquiry 's and account number ending in XXXX

Company response to consumer: Closed with non-monetary relief