vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I received a collections letter from XXXX XXXX XXXX located in XXXX, Washington stating that they are attempting to collect a debt on behalf of XXXX XXXX XXXX. The letter was received in XXXX XXXX. I contacted Pay Pal and asked them if I owed any money to them and they stated they had no record of me owing them any past due amount of money. Pay Pal asked me to send a copy of the letter I received from XXXX XXXX and I never received a response indicating they would take care of the problem. The amount of the debt is {$26.00}. I realize this is a small amount of debt and I am tempted to just pay it and get it over with but there 's no indication from Pay Pal that this is a legitimate debt and I do not want to start making payments for something I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-13 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: FL

Complaint narrative:
I have received information back from the company stating the laws and why the inquires on my report are factual, However the company is not reading and understanding what I am saying as I have stated the inquires on my report are fraudulent as I was in the department of corrections when they were made, and you are not allowed to apply for credit when you are in prison. I have gone to the companies to dispute these errors and have spend hundreds of dollars sending certified mail only to get a response that the credit bureaus responsibility to remove FRAUD. Therefore I am again requesting that the credit bureau needs to do this job properly and read the complaint I am submitting. I am aware of the laws but I am also sure you are aware that you can not go shopping when you are in prison.

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 2017-05-13 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:
XXXX   XXXX  sent me a letter dated  XX/XX/XXXX  asking me to pay a balance of {$140.00} that was a total surprise to me since I do not use their services at all.     I called the  XXXX   XXXX  the last week of   XXXX   XXXX   and spoke with  XXXX  from Customer Care. She advised that the bill was for purchasing 2 phones from them in   XXXX   XXXX   and returning them the same week. I explained to her that I returned the phones the same day I received them in the original boxes because the phones did not pick any  XXXX  signal in my house to be activated. I told her that I called them the week I returned the phones and made sure that I did not need to pay activation fees or restocking fees. Indeed  XXXX  refunded my credit card the activation fees that week.     After some time,  XXXX  told me that she was able to delete the activation fees of {$71.00} but was not able to delete the restocking fees. She told me to wait at leas t 72 bus iness hour for my account to update.     No further communication did I receive from  XXXX  until today. I received a debt collection notice from Convergent asking me to pay the total debt I owe to  XXXX  which is {$140.00}.     I am extremely disappointed and am unable to pay these fees. My credit report can not withstand a collection. I have no funds to hire a lawyer. I do not owe  XXXX  any debt and never received any services from them to pay for. The phones failed to activate because there is no  XXXX  signal where I live. I returned their phones intact immediately after speaking with them and documenting that I was not able to activate the new phones. I paid for their shipment back.      XXXX  Account Number :  XXXX  Convergent Account Number :  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 2017-05-13 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: Open Dealer Exchange, LLC
State: SC

Complaint narrative:
I never contacted   XXXX   XXXX   XXXX   of  XXXX , SC. Therefore, I could not have been the one signing a credit application with the reference application number :  XXXX . Therefore, all the information sent to the consumer reporting agencies is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On  XXXX / XXXX / XXXX , I used the Credit Card to make a purchase for {$29.00}. The Credit Card due date was  XXXX / XXXX / XXXX . I paid off the {$29.00} on the due date and thought this was resolved. Fast forward to  XXXX   XXXX  and I began receiving calls from the bank that offers the card. I was told I owe {$88.00} on the card. I was very confused because I remember paying it off. I also had not been sent any letters via mail or email advising I still owed a balance.     Apparently, because I made the payment after  XXXX  on the due date (  XXXX / XXXX / XXXX  ) their system charge me a Late Fee after  XXXX  on the due date and subsequently posted my payment the following day  XXXX / XXXX / XXXX . Since then, they had been charging me late fees ( on the initial late fee ), and no one advised me this was happening. They advised they could not help me as it was my own fault for not knowing their company policy and I should pay my bills in advance rather than waiting until the due date.     I was left with no options by them so to resolve this nightmare, I closed my account with them while also paying the amount owed (  XXXX  ) I thought this nightmare would be finally over. Now on  XXXX  ( yesterday ) I received a call from them, advising I owed {$100.00}. Apparently, they assessed me even more late fees, and they said I paid the  XXXX  late. I explained to them that I paid what was owed online at the time I logged in as my account balance, as well as what thei r CSR said I o wed. No one could assist yet again.     I am reaching out here as my last attempt as I have never experienced such predatory practices. They make their own rules ( unfair cutoff payment times, not communicating due dates clearly to the customer ) and I am now charged over {$200.00} in late fees in total over a {$29.00} charge that was satisfied more than 6 months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-13 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: CA

Complaint narrative:
Submitted a dispute o n   XXXX   XXXX  ,2017 to  Transunion to for removal of the negative collection accounts that are reporting and they finished the investigation in less then  24  which tells me there was no investigation they just sent out their generic letter for disputes.

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 2017-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back in  XXXX , with the University  XXXX   XXXX . These student loans were opened up unbeknownst to me which I was incarcerated ( date of  XXXX  Date the fraud occured :  XXXX / XXXX / XXXX  ; amou nt ( s ) :  {$1700.00} ; {$3000.00} These students loans are old and have been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in  XXXX , and have since been removed from my report  (   XXXX   XXXX   XXXX  University  XXXX   XXXX  and  XXXX  ).     Now, I Have "   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   posted on my report from the same time period the prior students loan information post posted previously, dating :  XXXX / XXXX / XXXX .     This same issue with the fraudulent student loans has come back and repackaged.

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 2017-05-13 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: OH

Complaint narrative:
Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back in  XXXX , with the   XXXX   XXXX   XXXX   .  These student loans were opened up unbeknownst to me which I was  XXXX  ( date of  XXXX   Date t he fraud occured :  XXXX / XXXX / XXXX  ; amount  ( s ) :   {$1700.00} ; {$3000.00} These students loans are old and have been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in  XXXX , and have since been removed from my repo rt (     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    and    XXXX   ).     Now, I Have "   XXXX   XXXX   XXXX    ; Dept.  of Education/NEL N ; US Dept.  of Education/GSL/ATL, posted on my report from the same time period the prior students loan information post posted previously, dating :  XXXX / XXXX / XXXX .     This same issue with the fraudulent student loans has come back and repackaged.

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 2017-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am making this complaint on behalf of my mother. She is  XXXX   years old  and suffers from  XXXX . For the last year or so she has been   XXXX   XXXX   XXXX   XXXX    by one of her home health aides. Her credit cards have been stolen, and there are over {$13000.00} dollars of charges on just  XXXX  of her credit card accounts that were made without authorization. I have a full DPOA and was successful in canceling the cards, however, I have tried working with the bank since  XXXX  of last year, but they refuse to discuss with me or act upon the account despite my having sent them a copy of the DPOA. Further they are harassing with dunning calls and letters to my mother which are very upsetting to her.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Made NUMEROUS attem pts to speak with a  Citi    XXXX   or other representative that could assist in applying for a balance transfer card & transfer a $  XXXX  school loan balance ... However, repeatedly met inept or incapable button pressers that could not even understand the issue.     Finally, blindly made the request for credit via online submission as I was told after the credit line was approved a increase could be requested. Currently $  XXXX  will not serve the purpose of initiating a business relationship with  Citi.      Today, after  3 escalations I was speaking to Sr. Acct S upervisor (  XXXX   XXXX   )  & it 's becoming clear  Citi does n ot have a single competent person working at ANY level of customer service ...     Need to speak with an   XXXX  , customer  Executive t o exercise a meaningful  Brick & Mortar customer inquiry, a meaningful & informative request for a SPECIFIC request for a creditline increase.

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 2017-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have three American Express Prepaid cards and two of them were declined by American Express and I was charged {$1.00} when each card was declined. I have n't tried to use the third card yet. I have called American Express 5 times and was hung up on twice by someone who can hardly speak English. When you call the number on the back of the cards you get an automated recording that does n't provide any options to resolve the problem. You do n't get an option to speak to a human. The two people I spoke to answered two other American Express customer service numbers. Two of the three cards have values of {$50.00} each and one has a value of {$25.00}. American Express gladly takes our money, but makes no effort to all us to resolve issues. I guess keeping my {$120.00} is more profitable than the 3 % they get when I use them. I am going to file a suit in small claims if they do n't fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: PA

Complaint narrative:
I closed an account with  XXXX  in  XXXX   XXXX  due to moving out of their service area. The final bill was paid and  XXXX  confirmed at the time of closing that no amount was owed.     I received a notice dated  XXXX   XXXX ,  XXXX   (  14 months after the account was closed ) of an attempt to collect a debt by  " Cre  dit Protection Association  XXXX LP '' (  CPA ) at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Texas,  XXXX . They claimed  XXXX  had turned over the amount of {$210.00} for debt collection. This is the exact amount of the final bill which was confirmed paid when I closed the account.     I called  XXXX  and they said if a debt was owed, I had to deal directly with the collection agency. When I said I had proof that the final balance had been paid, they said it must have been paid after the account was closed and already turned over to a collection agency. I asked for some kind of proof that it had been turned over, and the  XXXX  agent said she would n't have that in her file ; I had to talk to the collection agency.     I called CPA and they said to clear the debt I had to submit a copy of my bank statement showing the debt was paid. When I said my proof of payment was to  XXXX , they said I needed to talk to  XXXX  directly and should ask for a supervisor. I did not submit any bank statement to CPA as I was beginning to suspect this was a scam.     I called  XXXX  again and asked for a supervisor. They said : 1 ) they do not work with CPA ; it is not an agency they use for debt collectio n 2 )  no debt was owed when I closed the account and they never turned any amount over to a collection agency  3 ) t hey were flagging my account for possible fraud and notifying their own fraud protection unit that I had been targeted  4 )  they recommended I submit this complaint I have now received a second debt collection notice from CPA and believe I am being targeted for a scam or have been a victim of identity theft. Aside from the lack of an actual debt and the fact that  XXXX  does n't use  CPA, there are typographical errors on the collection notices and the envelope has a generic file number,  all of which point toward a non-reputable practice.

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 2017-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit ( from looking up the number online, ) has called us 7+ times in the last couple of days, and wh en I finally answered the phone, they asked for some guy named "  XXXX   XXXX   ,  '' whom we have never even heard of, and have had this phone number for  ~17 year s. I had to argue with them that they had the wrong number, and they kept trying to get me to tell them my name!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In  2011  the said company,  XXXX , failed to lower my loan amount to a comfortable payment. I paid them a substainable amount of money to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi Equifax got my wrong date of birth from some sources.     To correct it I have sent  XXXX  documents (  DL & SSN )  to Equifax on   XXXX   XXXX  .     They confirmed over the phone they will update within  48 hours  but after even  one week they have not updated my DOB their customer service has no tractabilit y about all the document and they are completely clueless why they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
I had contacted  XXXX  about providing high speed internet at my house. They charged me then subsequently found out that they could not provide this service at my address. Naturally, they told me that I did not owe anything and yet somehow they continued to send me bills and eventually sent the bill to collections. I have had repeated conversations with  XXXX  where they say they have no record of me owing any debt, yet the debt continues to hurt me on my  credit score. Ple ase help as I am trying to purchase a house and this debt not owed is impeding my ability to get the best rates that I deserve.     Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi    XXXX   got my wrong date of birth from some sources.     To correct it I have se nt two documents ( DL & SSN ) to   XXXX  on  XXXX   XXXX .     They confi rmed over the phone they will update within 48 hours but after even one week they have not updated my DOB their customer service has no tractability about all the document and they are completely clueless why  they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks  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 2017-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi    XXXX   got my wrong date of birth from some sources.     To correct it I have sent  two  documents  ( DL & SSN ) to    XXXX   on  XXXX   XXXX .     They confirmed over the phone they will update withi n 48 hours but after even one week they have not updated my DOB their customer service has no tractability about all the docu ment and they are completely clueless why they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks  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 2017-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Escrow accoun t ( property taxes and homeowners insurance ) continues to grow at an alarming rate. Lender insists on an absurd two m onth PREPAYMENT plus it then has the nerve to assess interest on the inflated escrow balance that it itself has manufactured.     In  one  month mortgage has gone up from {$5200.00} to {$6000.00}

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 2017-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am complaining cause I believe Comenity bank is denying my applications cause of age. I first applied for a  XXXX   XXXX   Visa  and then an  XXXX   XXXX  credit card and they have denied me on both occasions, On the  XXXX  Card they said they could not verify my identity and I have been at my address for years. I am going to attach my drivers license and a selfie of me holding my drivers license and my social security card so they can see its me. This is not fair lending that they are doing.

Company response to consumer: Closed with explanation