vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient continues to change the amount of Current Amount Due each month. I have never been charged a late fee. However, they continually send me notices saying that because I live in a jurisdiction that has been designated as a disaster area, a temporary natural disaster forbearance has been applied to your loan ( s ) listed below. 
I have not been in a natural disaster area. If I needed help I would call. However, that changes the amount and interest even seemingly though I continue to pay and ignore the fact they are giving me forbearance. 
They do not want this loan to every be paid. They want to continue to collect higher interest. I am working hard to pay this off. 
I have heard of other complaints saying that even when they paid the loan off they continue to get bills saying they owe interest even after paying in full. 
Also they do not recognize my account number with my SS number when speaking with a representative. I only make payments by phone. I do not trust them at all. 
I always ask for a confirmation email and have saved everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: IL

Complaint narrative:
Hello- I have tried numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have XXXX and Experian Credit reporting agency remove this Bankruptcy. I've never filed for bankruptcy also this bankruptcy has never showed a dollar amount. I've tried calling, emailing and sending letters to them and they will not remover this. This bankruptcy is totally fraudulent and I need help removing this.

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 2018-05-29 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: SC

Complaint narrative:
Enclosed you will find two letters : 1. XXXX XXXX Security Freeze   Confirmation Letter f 2. Letter from the Courts stating they do not give information to credit bureaus. 

I have written the courts asking if they submit public information to the credit bureaus. They said they didn't and sent me a letter confirming they don't. 

I then contacted XXXX XXXX and the other data-mining companies asking for a FREEZE on my accounts too. They all sent letters back confirming FREEZES. 

I disputed this with XXXX XXXX and they confirmed account has a FREEZE on it. 

My credit report is still showing a Bankruptcy on all three credit bureaus. Where are they getting the information? 

I've asked them all to remove this bankruptcy that was dismissed. I've done all my work : Contacted Courts in South Carolina, I've FROZEN my account with XXXX XXXX and the others. 

Please verify how the Credit Bureaus are still reporting this. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: SC

Complaint narrative:
Enclosed you will find two letters : 1. XXXX XXXX Security Freeze   Confirmation Letter f 2. Letter from the Courts stating they do not give information to credit bureaus. 

I have written the courts asking if they submit public information to the credit bureaus. They said they didn't and sent me a letter confirming they don't. 

I then contacted XXXX XXXX and the other data-mining companies asking for a FREEZE on my accounts too. They all sent letters back confirming FREEZES. 

I disputed this with XXXX XXXX and they confirmed account has a FREEZE on it. 

My credit report is still showing a Bankruptcy on all three credit bureaus. Where are they getting the information? 

I've asked them all to remove this bankruptcy that was dismissed. I've done all my work : Contacted Courts in South Carolina, I've FROZEN my account with XXXX XXXX and the others. 

Please verify how the Credit Bureaus are still reporting this. 

Thank you.

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 2018-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TN

Complaint narrative:
On XX/XX/XXXX I contacted Discover card thru my online account by chatting. I was upset about there high interest rate since I had a problem with them before. I was asking how I could close my account after I found out my balance and the account was clear. At the end of the chatting session I thought I was pretty clear I would call back at my convenience and close after I had physically paid off the account. The discover associate took upon himself to close my account anyway. I called Discover and talked to a Supervisor. He assured me he would look into the chatting session and return my call in a couple days. Never herd back from him and I am concerned this online customer service agent has access to my personal information and will use it in a negative or fraudulent way

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This company XXXX XXXX XXXX also operates as Resurgent Capital Services and they respond to me as Resurgent Capital Services, but the credit report states they're XXXX XXXX XXXX. 

I've asked several times to show me proof that they have my signature on file and can validate this being my debt. All they show me is a statement they have bearing no signature whatsoever and I've been communicating with them for months. 

Yet again, time after time, they've failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I am asking for the description of the procedure used to determine the accuracy and completeness of the information they say is my account. It is not and they fail to provide me with any credible evidence bearing my signature. 

Additionally, I want the name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Again, I am formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount of {$700.00}. 

The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. 

Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. 

Please advise immediately how you expect to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email from PayPal stating that there was an account transfer of funds going to a " XXXX XXXX '' @ XXXX. I did not authorize a transaction for that so I logged on to my PayPal account and disputed the charges. I also called my bank and did a stop payment for the amount that was to be charged - {$800.00}. PayPal then credited my account back the {$800.00} minus the {$2.00} transaction fee. However, in the interim they did not find that the charge was unauthorized so they tried pulling the {$800.00} back from my account. However, because of the stop payment, they weren't able to pull the money back so now my account is negative {$1600.00}. The money is still in my bank to put back in PayPal and I would like to do that, but I don't feel like that is right until they look further into the unauthorized charge. When you google the email address you can clearly see that it is an email from XXXX or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29 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: FL

Complaint narrative:
XXXX closed the account around XX/XX/XXXX and charged me several ETF fees for lines that I never signed a contract for. I've contacted XXXX, they say contact the collection agency. I am not interested in dealing with a belligerent collection agency. 

I've disputed the results with all 3 agencies. Experian is just closing the dispute with no additional information. They are now refusing to open a dispute despite never providing me any information on this account. I'm waiting on responses from XXXX and XXXX. 

Experian dispute report # XXXX. 

Here is what is wrong : The amount is incorrect by a significant amount, at least {$1000.00}. 
The account reports opened in XXXX. I have not had an account with XXXX since XXXX of XXXX. 
It somehow reports that payments were due and have been missed. Again, I have not had any account since XXXX. 
I don't even know if this is related to my actual XXXX account or if it is somehow someone else 's account. Nobody will tell me anything.

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 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I look on XXXX XXXX daily. I saw a company called XXXX XXXX XXXX as a hard inquiry on my credit report on XX/XX/2018. I never authorized my credit to be ran by this company. I do not want a car. I have one. I contacted the fraud department. After researching they told me that The application was done online and they do not have a hard copy and my SS # is one number different than the applicant and the credit bureau accidentally merged our information. I called the credit bureau Equifax and they stated it is not possible to have that happen and to call XXXX and have them submit an electronic request to have the hard inquiry removed from my credit report. When I called XXXX back they said they could not help me and transferred me to their parent company XXXX XXXX. XXXX told me XXXX will just keep transferring me to them bu there is nothing they can do because they do not have an application from me to even discuss with the credit bureaus about. I am all out of options. Everyone keeps telling me they cant help me. I am being penalized for something i did not do and I need the help of the CFPB to get this fixed. I understand an inquiry does not have a large impact on my credit score but I have a good amount I did myself and I am getting ready to purchase a home in the future and I do not want to be penalized for something I never did. Please help me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
1. The bank did not tell why they are claiming in their response that I said and I quote : '' ... funds missing ''. The bank is avoiding the issue.

2. The company did not say why they mailed me an ATM card with purchase when I told them I only wanted an ATM card for deposit and withdrawal. The bank should have issued me the card that I wanted. I could have made other arrangements if this is not possible. The bank is avoiding the issue.

3. I want to know why I was given two ( 2 ) small pieces of paper when I opened the accounts. The bank did not respond to this. The bank is avoiding the issue.

4. Customers are entitled to transaction receipts. The bank did not give my transaction receipt when I asked for one. The bank should issue transaction receipts. Government authorities should know about this and take action. 
5. The DMV should be informed that the teller swiped my driver 's license at Union Bank to avoid this kind of activity that opens customers to threats of identity theft. Union Bank should inform DMV and the customer. 
6. The Federal Trade Commission and Department of Motor Vehicle and other government agencies should be informed of these complaints so steps could be taken to protect consumers from identity theft. 
7. The Consumer Protection Bureau should have informed consumers of what steps are being taken and what government agencies were informed to resolve the issues to fulfill their role as protectors of customers. 
8. The Consumer Protection Bureau, Federal Trade Commission, DMV, and government agencies should review the videos of the transactions I made at Union Bank. These videos could provide answers to my questions/complaints.

9. I gave one phone number to Union Bank. I am wondering why I was contacted at a phone that I did not provide. How did the bank obtained the number? 
10. I filed the complaints because I want the protection afforded by the Consumer Protection Bureau, the Department of Motor Vehicle, Federal Trade Commission and other government agencies. These agencies should respond to the complaints. I am wondering why the cases are closed when the issues are not yet resolved. The consumers are not being protected when cases are closed without the issues being resolved.

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 2018-05-29 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: WA

Complaint narrative:
XXXX XXXX continues to report a debt on my Experian credit file. I have never had a debt with this company/Bank. I have disputed this through Experian and they continue to show it paid late. They last showed paid late on XX/XX/18. This is incorrect information that is damaging to my credit report. I want them to remove it in my Credit report.

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 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FM

Complaint narrative:
For a little over a year now, beginning in XXXX of 2017, XXXX XXXX has been reporting a XXXX collection to my credit for over {$2000.00}. I have attempted to dispute this account a number of times - both in writing to XXXX XXXX and via the credit bureaus as well - but XXXX XXXX continues to verify it as accurate and it remains on my reports. Despite multiple disputes and letters to the company requesting documentation, they have yet to provide any proof of the debt or charges that created it. I assert that I owe no debts to XXXX and do not know why there is an outstanding collection in my name. As XXXX XXXX refuses to send me any verification, I am still in the dark on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX @ XXXX XXXX  missed call from American Express. 
XX/XX/XXXX @ XXXX XXXX call from American Express asking for XXXX XXXX and trying collect a debt. I inform the caller I am not XXXX XXXX, this is my work cell phone, which I possessed this number for 15 months. ( Not sure if I am spelling XXXX correctly ). The caller appears to be disturbed that I am not XXXX. I repeatedly informed the caller that I am not XXXX XXXX. Also, there is no in this company with that name, which I informed the caller and I do not know this person. Again, the caller was not happy with my response, so I stated that I would report any further calls to this number. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX ( XXXX XXXX ), I did not answer this call. 
***I never had an American Express card.

These calls have taken place for the past 2-3 weeks. It appears American Express, which they say they are calling to call a debt, does not have correct information and not they are disturbance and nuisance to my work cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 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: IL

Complaint narrative:
This is my second time addressing this issue. The credit bureaus are reporting inaccurate information about my auto loan on my credit profile. I was never 30 days late, and my car is in my possession not repossessed! XXXX XXXX is reporting inaccurately and the credit bureaus are failing to properly investigate and report accurately. The first time I made a complaint about this issue, it was immediately removed from my credit profile and the account was updated to report positively on my credit report, however they later added this inaccurate reporting back on to my credit profile without ever notifying me! This inaccurate reporting has caused me to lose -166pts on my credit score and this information is totally inaccurate!! I would like this inaccurate reporting to be permanently removed from my profile and not just added back later!! According to the FCRA once information is deleted from your profile, it is not to be added back later!! This violates my rights as a consumer and I would like this fixed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express placed me on a financial review and told me they would close my accounts if I did not sign a form that would authorise them to ask the IRS for my last two tax returns. I informed the customer service associate that I can't provide that. I am XXXX XXXX XXXX, and have only filed one tax return because I have been claimed as a dependent for my entire life. 2017 was the first year I filed taxes, as it is the first year I have held serious employment. However, due to school and personal issues, I used a lot of time off and my income last year was not as high as it is supposed to be anyway. My accounts are nearly maxed out, and if American Express closes my accounts, my credit will take a massive hit. I am planning on moving in with my partner into a new apartment in the next couple of months, and I will not be able to secure any kind of lease if American Express does this kind of damage to my credit report. I have been responsible and have never missed a payment, and this is the first time I have ever maxed out my cards, so I do not feel like I deserve to be treated this way. I have the ability to repay my debts over time, but I don't want American Express to cause catastrophic damage to my credit report by closing it without good cause, and still be required to pay off the closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I look on XXXX XXXX  daily. I saw a company called XXXX XXXX XXXX as a hard inquiry on my credit report on XX/XX/2018. I never authorized my credit to be ran by this company. I do not want a car. I have one. I contacted the fraud department. After researching they told me that The application was done online and they do not have a hard copy and my SS # is one number different than the applicant and the credit bureau accidentally merged our information. I called the credit bureau XXXX  and they stated it is not possible to have that happen and to call XXXX and have them submit an electronic request to have the hard inquiry removed from my credit report. When I called XXXX   back they said they could not help me and transferred me to their parent company santander usa. Santander told me XXXX will just keep transferring me to them bu there is nothing they can do because they do not have an application from me to even discuss with the credit bureaus about. I am all out of options. Everyone keeps telling me they cant help me. I am being penalized for something i did not do and I need the help of the CFPB to get this fixed. I understand an inquiry does not have a large impact on my credit score but I have a good amount I did myself and I am getting ready to purchase a home in the future and I do not want to be penalized for something I never did. Please help me.

XXXX XXXX

Company response to consumer: Closed with explanation