vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I sold a medical device to XXXX XXXX via XXXX. 
She requested a refund claiming the item no longer works. 
Her request was past the 30 days allowed for a refund. 
The item worked as shown in the photo the day I posted it and sent it. 
It was rarely used, pristine. A medical device prescribed by my doctor for my XXXX. Never were any drugs used in it. Only one nutrient was ever nebulized in the machine. 

If I trusted her I would just do a refund once the item was returned. 
However, claiming she had no money, she kept talking me down in price. 
THEN, once we agreed on a price she immediately asked me if I had anymore! 
I became suspicious that she uses these things for parts. 
I saw parts from these nebulizers sold for quite a bit on XXXX. 

XXXX repeatedly tells me I do not have to refund her. 
PAYPAL will not listen. PAYPAL takes XXXX XXXX 'S side on this. 
They are sending this to COLLECTIONS and adding a {$20.00} fee to this incident. 

I do not understand how they can so unfairly try to force me to provide a refund when the XXXX policy says no refunds after 30 days. 

Oh and at some point in one of numerous conversations with PAYPAL they accused me of costing them hundreds of dollars due to this transaction. 


XX/XX/XXXX Fee reversal from PayPal Completed {$2.00} XXXX XX/XX/XXXX Transfer to Bank Account Completed - {$71.00} XXXX XX/XX/XXXX Payment from XXXX XXXX Completed {$74.00} USD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: CA

Complaint narrative:
I have provided all three bureaus listed on this complaint via certified mail a copy of an Identity theft report. The following accounts are mentioned in the report that was sent and need to be removed : XXXX XXXX, XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/XXXX, I sent a fax and Mailed copy, of a request for my credit. For some reason, my credit, and my husbands credit, via Equifax, has been frozen sometime between XX/XX/XXXX and XX/XX/XXXX, without a request to do so. I know it was in these dates because We moved from XXXX to XXXX  in XX/XX/XXXX, where our Credit had to be pulled for a new home rental. Then, we bought a car in XX/XX/XXXX. After that, we were locked, and ONLY on Equifax. 
So, in XXXX, I requested my report for XXXX XXXX, and came with no score. Not helpful. XX/XX/XXXX I learned my Credit was still frozen. Upon calling YET AGAIN, they told me I didnt know the answers to where I worked correctly. WOW.  So I had to fax my ID and Social AGAIN> It said 3-5 days to be fixed. It is XX/XX/XXXX and still not fixed, so yet another Fax has been sent. We are trying to buy a car and a home, and Equifax has us stuck! THIS IS VERY UNFAIR! THEY SHOULD NOT BE ALLOWED SUCH FREEDOM, AND THEY SHOULD HIRE AMERICANS TO HANDLE OUR PERSONAL INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
The student loan was cancelled by XXXX college in XXXX XXXX for non attendance due to student XXXX  XXXX with online classes. And has billed the student for the loan amount.

The college has returned the loan amount to the department of education for non attendance due to XXXX XXXX with online courses.

Navinet is reporting that loan debt on credit report which is inaccurate information due to the fact that the loan amount was return by the college.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. BANCORP
State: WA

Complaint narrative:
My sister in law was contacted by a person saying they were with XXXX XXXX XXXX and were going to file a lawsuit to collect a debt on behalf of U.S. Bank my wife called them back at the number they provided which was XXXX and said that she was wondering what it was about. they said that i owed over {$1000.00} which i do not. I do owe {$700.00} of which i have a {$76.00} a month payment arrangement with them for. She let me know what they said and i called them back and they were very rude with me telling me that i was lying to them and said that they would get my court papers mailed to me and start the lawsuit process. They got even angrier when i said that i had contacted U.S. Bank directly and said that it was a little convenient that i had a {$75.00} a month payment set up with them and called me a liar again.

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 2019-04-09 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: CA

Complaint narrative:
I have provided all three bureaus listed on this complaint via certified mail a copy of an Identity theft report. The following accounts are mentioned in the report that was sent and need to be removed : XXXX XXXX****,XXXX****, 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 2019-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX recently reported a collection account on my credit report. Prior to the appearance of this account on my credit report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Freedom Mortgage is holding my escrow overage in the amount of {$1200.00} until I bring my account current. They have explained to me that I need to bring my account current to receive my escrow overage but did not indicate the minimum amount total to bring my account 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 explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have now been contacted by five ( 5 ) Collections Company in this regard over the last 2+ years. Without trying to be rude, I HAVE NO DEBT! 

I do not know why they are contacting me but but I have asked them all to cease immediately. I have no outstanding balance to XXXX and have already supplied them the information for it. I was contacted by XXXX, XXXX on XXXX and disputed it with them and then supplied the following information and they closed it. Then on XXXX, I was contacted by XXXX XXXX and supplied them the same information and they closed it out. Then on XXXX, I was contacted by XXXX  XXXX ( XXXX ) and supplied them the same information via their website and they closed it out. Then on XXXX I responded to XXXX XXXX XXXX via their website with the same information given to the previous three companies. Now I have received another debt collection letter from Convergent again for same debt that I do not owe. I tried to call them today since they do not have online disputes and after talking to Representative, XXXX, and explaining everything, she told me I needed to hold on and then disconnected.the line. I waited and received no call back so I am on the line now for over 30 minutes minutes and finally got XXXX. Now after explaining the story again and asking not to be contacted anymore as this is harassment, she told me she had to get more information and then for 2nd time the line disconnected. I just contacted XXXX XXXX XXXX who has my home phone land line service. They verified no interruptions and the call was dropped on Convergent 's end. 

I have all the previous letters and am not wasting my time going back over the same information I have with the previous four ( 4 ) collections companies when they are the fifth company pursuing a false claim. The mistake was on XXXX 's part and not mine. They acknowledged this in 2017 when I escalated it to a manager and was told then I had no debt and did not own anything because I was not under contract and had not been for many many years ... .. 

This is harassment on both you and XXXX part by continuing this as I have proven my " No Debt '' on four ( 4 ) previous occasions. I have told them all if they contact me again or pursue any further actions based on this false issue it will be handled by every legal step available to me by law and venue. Regardless of this, they ( XXXX ) just sends another company. 

Please help me end this or tell me the legal avenue to pursue. It has to stop. 

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 2019-04-09 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:
There are repeated disputes sent to Experian concerning XXXX of XXXX and XXXX accounts. There is also an open bbb complaint that has not been responded to as well. I received a generic mail response on today stating I need to state why I believe information is inaccurate or incomplete. My bbb complaint, as well as all of the other disputes clearly state that the reason for the dispute is the information on these accounts is being partially reported containing unknown data and does not list a complete and accurate history of the account and if 100 % complete history could not be verified to delete the accounts. The portions of the account history is being listed as unknown which was stated in every dispute however Experian refuses to correct the data and provide known data for the unknown portion of the account to bring the accounts to 100 % accuracy. There were a total of 11 accounts. 2 of which were deleted having been disputed for the same reason. However there is a constant run around concerning the remaining 9 accounts with the same problem. The method of their verification was requested. They refuse to provide information on whom they spoke to and the method that was used to verify the data and correct this unknown data information ( which obviously isnt verified because a portion of the all of these accounts is still listed as unknown ) and how they went about verifying the data so that I can follow up with the exact individual of whom provided them with this information. Also all unauthorized inquires were requested to be removed. The only authorized inquiries would be from XXXX XXXX, XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. Supporting documents contAining my signature authorizing such inquiries is requested that gives them a right to report such inquiries. They were also requested to remove incorrect address information. I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. Any other address listed is incorrect. A total of 8 disputes were sent via mail and online and a bbb complaint has been submitted dating back to XX/XX/19 up until now. Also I am only disputing XXXX XXXX XXXX and all XXXX accounts however disputes are being opened by Experian for things that I have not requested Re-investigation for. Reporting accounts in an incomplete form is against FCRA and unknown account information must be corrected. The reason for dispute has been stated several times, However either they do not respond to letters or they ask for information to be provided which they have already been made aware of in the dispute.

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 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC
State: WI

Complaint narrative:
I paid off my mortgage 12-15 years ago with XXXX XXXX. In XXXX of XXXX I went to my bank, XXXX XXXX, to apply for a home equity loan to update electrical. I previously had a credit score of XXXX and XXXX XXXX told me they wouldn't give me a loan because my credit score was so low. XXXX XXXX told me that there was an outstanding mortgage on my paid for home which had been taken out in XXXX. I did not apply for or get a mortgage on my home. XXXX XXXX told me that the mortgage on my home was held by Ditech Financial, LLC. I have called Ditech numerous times and asked them to send a copy of the mortgage with my signature to me. Ditech has refused to do so. Someone has committed fraud by taking a mortgage secured by my home without my knowledge or permission. I want Ditech to provide the information and I want the mortgage removed from my home since it is fraudulent and it is affecting my credit adversely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX - XX/XX/XXXX - loan taken out for {$22000.00}. Before son XXXX I ended up in bankruptcy in XX/XX/XXXX. Just came out of bankruptcy in XX/XX/XXXX. I want to start repaying XXXX XXXX XXXX, but received a letter informing me from Nelnet that an additional amount of {$8000.00} is being ADDED to my loan. That's almost 40 % increase of original amount. I'm just coming out of bankruptcy and trying to do the right thing and repay BUT, it is unacceptable to be hit with these fees. I'm more than willing to negotiate an interest / penalty amount that is fair to both. I will even start an automatic deduction but I will not pay 40 % more after just getting my finances in order. NOTE - that my bankruptcy paid all creditors in full, nothing was written off. I'm willing to do the same with this loan also. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: SD

Complaint narrative:
On XX/XX/2017 I went thru the Why Not Lease IT Program at XXXX XXXX and purchased a lawnmower for XXXX Tax included. The XXXX XXXX said XXXX for 10 months which amounted to XXXX the pay balance XXXX I finished the XXXX then forgot about it and seen on my bank statement they took out XXXX more payments which totaled XXXX and they still tried to make me pay more. 

I have sent them a letter stating the same thing and showing what I paid and what I over paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I was traveling in the XXXX XXXX and purchased XXXX at the XXXX XXXX XXXX XXXX at approximately XXXX XXXX using my Chase Presidential Plus Card. The product I purchased turned out to be conterfiet. I contacted Chase Bank to get their advice at approximately XXXX XXXX.

I was advised by customer service to not return to the store as the items were counterfiet to avoid a conflict as I was alone. I followed the banks instructions, See Attached.

On XX/XX/XXXX I filed a written dispute as the bank had instructed me. They issued a credit. On XX/XX/XXXX I recieved a letter from the bank that the retailer responded say that the XXXX   where infact as advertised. I responded on XX/XX/XXXX in writing contacting Chase 's executive offices. On XX/XX/XXXX I recieved a phone call from Chase that said that they were denying my claim as there was no further recorse as the merchant did not provide any serial numbers on the reciept so I am stuck. I followed their instructions on handling and they are particpating in fraud along with the retailer. I am shocked that they use the retailors dishonesty as a way to not protect me as a a consumer. Beware of Chase Credit Card Services.

I have called Chase and let them know I was referring this to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2019 I purchased baby apparel for {$38.00} from Kohl 's in XXXX TN, located at XXXX XXXX XXXX XXXX XXXX. The sales representative asked me if I had any coupons and I said no. Then she asked me if I wanted to use my Kohl 's card and I said no. I told her I would like to use my credit card. And, she proceeded to tell me if I use my debit card, I can pay for the merchandise now and that will keep me from paying interest. Mind you when paying with a debit card, there is no interest. So, I said will I can go on and pay with my debit card and not worry about putting the cost on my credit card. Therefore, I gave her my debit card and she asked for my drivers license. At that time, I thought she was checking my identification. But, she proceeds to enter my license information into the register to start a credit card application and the merchant machine was asking for my credentials such as for me to verify my information and it asked for my social security number. At that time she that was the way the system could verify me. I told her to stop and give me my card and license because she was trying to trick me into opening an in store credit card. I told her that was unfair consumer practices and she wouldn't look at me. I don't know if that's the store practice but it can't be right. It is pure deception because they are trying to trick the customer into opening an account. I would like to see something done because this is very inappropriate and in my mind, criminal. Can you assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: VA

Complaint narrative:
The student loan was cancelled by XXXX college in XXXX MD for non attendance due to student XXXX  XXXX with online classes. And has billed the student for the loan amount. 

The college has returned the loan amount to the department of education for non attendance due to XXXX XXXX with online courses. 

XXXX is reporting that loan debt on credit report which is inaccurate information due to the fact that the loan amount was return by the college.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is the response to case # XXXX, requested info : STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response " Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Please be specific with your concerns by listing the account names, numbers, and nature of the dispute. Please provide the requested information to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. '' Here are the names, numbers, and nature of the disputes : ACCOUNTS XXXX XXXX XXXX XXXX paid in full/inaccurate XXXX XXXX XXXX XXXX paid in full/inaccurate XXXX XXXX never late/inaccurate XXXX XXXX paid in full/inaccurate XXXX XXXX XXXX paid in full/inaccurate XXXX XXXX XXXX XXXX XXXX {$340.00} not mine XXXX XXXX {$830.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a called from the Pentagon Federal Credit Union, Confirmation/Declaration of Loss Department. I was told that they had a check in the amount of {$1500.00}, dated XX/XX/XXXX. I was e-mailed a form to signed and return. I was given the options to Deposit in Account, Reissue Check or Other. I checked tReissue Check. When I inquired about the check, I was told that they were behind and would get to it as soon as they can. After about a month or so, I contacted them again, and was told the money was deposit in my account. I was used to make payments toward my delinquent two credit cards. That was not what I checked on the form. Payments plan was already in place to what I could afford to pay. I had an allotment being deposit in my saving via direct deposit. I lost my job and was unemployed. I put in for Hardship, but was denied. I spoke to the Branch Manager at the site located in XXXX XXXX, Virginia. She spoke to her manager and he refused to return the money. A law firm wrote the Pentagon Federal Credit Union a letter regarding Bad Debt Collection on my behalf. The check was deposited without my signature. Although, I paid what I could afford to pay, as a retaliation, they sold my two credit cards to two collection companies.

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