vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION
State: NY

Complaint narrative:
XXXX XXXX student Loans company and XXXX XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for XXXX. XXXX XXXX XXXX XXXX has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 )  they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
I was XXXX years old and had health insurance through my father. XXXX refused to file it will my insurance so it went into collection. I'm in the process of buying a home and I need this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALCHRO INC.
State: FL

Complaint narrative:
The company did not ethically do the right thing they didn't process the claim properly and tried to destroy my credit even though I disputed the medical bill and when I told them to process the claim properly IT GOT PAID BY THE INSURANCE COMPANY. They guys destroyed my credit because of their incompetency. I understand that the debt has been removed from my collection but during the time it was on my credit report it caused me financial damages over {$500.00} I am seeking for the debit collection agency to pay for the damages it had caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: AES/PHEAA
State: PA

Complaint narrative:
This complaint is regarding XXXX. In XX/XX/XXXX, I observed several discrepancies regarding payment counts on my student loans. The payment count is very important, since I am doing the PSLF loan forgiveness program, which requires a total count of 120 payments. There are several discrepancies including : ( 1 ) I believe that the total count overall is too low, ( 2 ) the count for subsidized vs unsubsidized loans differs even though both are paid at the time time via direct deposit, and ( 3 ) I was apparently put into Paid-Ahead status against my will and XXXX is now claiming that those payments do not count, despite my asking that Paid-Ahead status be removed and my payments be recounted. 

In XX/XX/XXXX, I formally requested a formal Payment Recount through XXXX XXXX. By XX/XX/XXXX, that recount had still not been completed. I sent a request in XX/XX/XXXX again asking that the recount be performed. In XXXX of XXXX, I received the following message from XXXX,  stating that they are " not yet able '' to provide me with the total number of qualifying payments. 

Transcript is below : -- -- - " Thank you for contacting XXXX   XXXX! 


We apologize for not yet being able to provide you with the number of qualifying payments made toward Public Service Loan Forgiveness ( PSLF ). Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. 


We will notify you via letter once the review has been completed. 


Please use the " Contact Us '' link through your online account at XXXX  to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ). 



Sincerely, XXXX XXXX XXXX >> Original Message ... 

>> Message : Hello, >> >> >> I formally requested a recount of my PSLF payments back in XX/XX/XXXX. It is now XX/XX/XXXX, and I still have not received that recount. Of note, the main concern is that I was put into Paid Ahead Status, and that it was not my INTENT to be in Paid Ahead Status, and this has thrown off my payment counts. 
>> >> >> Could you kindly respond and let me know when I can expect to have my PSLF payment recount completed? 
>> >> >> Many thanks, >> ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one case # XXXX The amount {$10000.00} Someone that i know personally opened credit cards and use my identity and also got apartments and jobs and a i.d . in my name.And i got a letter stating that they are garnishing my hard earned money out my account and seizing all my wages ... for something i did not do ... or had no knowledge about.until after the fact the debt collector showed me transactions and the persons name on it ... .when i saw XXXX XXXX and XXXX XXXX ... under the transacations i then know what they did ... they open a business account in my name and made and put there names on it ... and had the cards sent to them ... .they made it look like i authorized it but i didint. so i filed a police report. because this is nonsense .... i shouldnt be having to through this. 

also XXXX XXXX the amount of {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2019 Bank of America Cash Resards Visa Signature-XXXX Balance:XXXX XX/XX/2019 Bank of America Cash Rewars Visa Platinum Plus-XXXX Balance:XXXX I went to the Bank of America business hall and talked to the customer service manager. I called the service staff of the Bank of America security department to ask why closed my two credit card accounts and told them that the reports of the credit companies they had received were incorrect. My XXXX XXXX credit card has been stolen and has been disputed with credit companies and banks. The debt does not belong to me. 
1Amount of arrears to hight 2 : Automatic Payment and Refund 3Excessive debt arrears For these Three reasons, I refused to open my credit card account again. 
I paid off my debts on time. I was the deputy general manager of a high-end restaurant. I paid in full cash to buy a house worth XXXX XXXX.My house has a net worth of {$XXXX} XXXX  and a total of {$8000.00} in arrears. 

It's hard for me to understand the wrong judgment of Bank of America, the lack of correct verification information and the closure of my credit card account.

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 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Clarity Services
State: GA

Complaint narrative:
I applied for a loan with XXXX and was declined. My decline notice said that Clarity Services Inc, XXXX. XXXX XXXX, XXXX, FL XXXX was Unable to verify my identity. 

I was unaware that this credit reporting agency even existed, XXXX knows my identity online. I was unable to request an immediate copy of my report online and had to fax over a request. 

Why aren't people made aware of the existence of this reporting agency like the big 3 and why do they not provide online report immediate access? Now I am being impacted by not being able to obtain a loan because of this company. 

I am amazed that there would be other credit reporting agencies that consumers are not aware of that impact their livelihood until they are declined. XXXX/Clarity should know better.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX ... Hard Inquiry XXXX XXXX XXXX ... ... ... .Hard Inquiry XXXX XXXX Syncb/Toys  Hard Inquiry XXXX XXXX Syncb/Sams Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX & XXXX XXXX Syncb Hard Inquiry XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX on my report in collections I called all the companies and talked with someone and their customer service would not help and remove the negative items that is reporting on my credit because I did not authorize none of these companies ... ... This is not fair that someone can mess up your credit like 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 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX ... Hard Inquiry XXXX XXXX XXXX ... ... ... .Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX & XXXX XXXX XXXX  Hard Inquiry XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX on my report in collections I called all the companies and talked with someone and their customer service would not help and remove the negative items that is reporting on my credit because I did not authorize none of these companies ... ... This is not fair that someone can mess up your credit like 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 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect information on my credit report to Transunion. I have tirelessly contacted them directly many times regarding this unverified debt. I have requested an internal investigation into a {$2000.00} debt that is being reported. Upon doing so, I contacted the XXXX XXXX Apartments and they are not able to share any information they have on the debt. I spoke to the XXXX on the week of XX/XX/2019 and she was not able to find my name under this debt or the apartment number it claims to be under. XXXX XXXX XXXX is aware of this problem and is unrelenting in removing this debt from the credit report. Transunion is the only credit company currently reporting it, but is also unable to find further information and details regarding the debt, even after the investigation period. This charge has stayed on my credit report and continues to harm my score through Transunion. The apartments and credit company have requested information I do not have to investigate properly. XXXX XXXX XXXX has not been able to prove my debt due to insufficient information on the case.

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 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX student Loans company and Discover Student Loans   reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for Discover. XXXX XXXX XXXX XXXX has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for XXXX. Nelnet Student Loan Servicing has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX student Loans company and XXXX XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for XXXX. XXXX XXXX XXXX XXXX has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.

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 2019-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
original loan XX/XX/XXXX with highlands mortgage loan sold to NewRez XX/XX/XXXX We are refinancing XX/XX/XXXX without pmi with another company We have Pmi on current loan with NewRez Payoff from lender is principal, plus per Diem interest, PLUS 3 months Pmi And yes there is an escrow account of over {$1800.00} Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had a Synchrony/Belk account from XX/XX/XXXX that went into charge off. I called and was told to pay a collection agency. I did that, and the account was updated to paid on my reports. 4 months ago, the status was changed to bad debt/placed for collections and now looks open and unresolved as of 4 months ago instead of XX/XX/XXXX. I have contacted XXXX and Synchrony/Belk for resolution and was told i could only file a dispute and wait 30 days for something that was changed incorrectly and is now hurting my reports when it was resolved and done years ago.

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 2019-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I have renewed several loans with World Finance and have always had job loss insurance protection. On XX/XX/2014 I had a mutual agreement to leave the company. I went to the finance company to fill out the job loss papers. I was told I was not eligible unless I was receiving unemployment but because of what the company told unemployment I was disqualified for 20 weeks which was the length I could draw. I was contacted by one collection company and so I sent them the job loss application. Last month i was contacted by another collection company which I will forward them the same papers. Since I lost my job back in XX/XX/2014 I have moved to XXXX, SC and a lot of my papers were thrown out because I had my son getting my things from XXXX XXXX, SC. My new mailing address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Come XX/XX/XXXX PayPal inc proposes to keep all seller fees for any return of payment. This includes but not limited to : return of sold item for fit, color, damage, wrong item, etc. This also includes payment reversals for buyer cancellations, improper addresses, buyers using wrong credit cards and demanding refunds, buyers not using coupons and demanding refunds so they can repurchase, stolen or hacked accounts, misuse. In other words any time I receive a payment on PayPal from a buyer and there is any kind of refund I will lose the .30 + 2.9-4.4 % PayPal fee. This is an absurd overreach that borders on theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/2019, I was sent to collection by XXXX for a debt of {$59.00} to IC Systems for an outstanding phone bill charge. I told them I paid my last phone bill on XX/XX/XXXX to XXXX after leaving the company and I returned my lease device XX/XX/XXXX via XXXX so I didnt owe anything. They placed me on hold and called XXXX directly. They came back and told me it was for a early termination fee, but I told the female rep that my contract doesnt say I would owe a early termination fee, I would just have to pay the phone off in full which I did plus my last bill which was due XX/XX/XXXX. 

She placed me on another hold and told me it wasnt a late fee but another phone bill. She told me we could settle for {$47.00} that day, so I paid the amount. I kept reiterating to the female rep that the charges were false, but I paid because I didnt want the false reporting to go to all 3 credit bureaus. 

XXXX recently reimbursed me {$160.00} for the trouble they caused me. I spoke with XXXX XXXX from the Executive and Regulatory Services department of XXXX who granted the reimbursement after receiving my complaint from my states attorney generals office.

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 2019-04-06 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: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
I checked my credit report and noticed that I had 3 Hard Inquires so I called the XXXX XXXX XXXX XXXX XXXX, I called the company and the repXXXX told me that XXXX XXXX ran my Credit on XX/XX/2018. I never gave this company any authorization to run my credit I was never in the store, I spoke with a finance manger XXXX, and he said that my son told them that I have him authorization, I told him that was not true and I will like for it to be deleted of my credit and he said he would do it because by son said it was ok, I also notice that they ran my credit with another company consumer portfolio service

Company response to consumer: Closed with explanation