vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: AZ

Complaint narrative:
I have sent several requests to get my payments lowered and have been denied. They want me to pay XXXX a month and I only bring home XXXX every 2 weeks with XXXX children to take care of. So now I have to get back into college, take up more debt, because I cant afford these payments and it is stressing me out with every email that they send. I call on the phone and they just refer me back to the forms online. Then I didnt quality for the military discount because my loans are consolidated. But I completed the consolidation to have 1 low payment. So that means XXXX provided me with false information and I could have benefited from the military discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I filed a complaint against PayPal with CFPB in XX/XX/2018. I received a letter today stating that they issued credits to my account on XX/XX/2018 for XXXX XXXX dollars and XX/XX/2018 for XXXX XXXX dollars ; which are not true. I checked with my bank, XXXX XXXX and they confirmed there were no credits issued for the unauthorized transactions that occurred on my account by hackers and fraudters they have on their platform. PayPal allowed almost eveleven thousand dollars to be sent to a person in the XXXX for donations which I never approved as I live in the USA and have no idea who would donate that kind of money to a total stranger in a different country in 5 uneven installments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive contacted them several times explaining the situation with a late payment being reported. I received zero documentation of payments being due on my loan. No calls were made to me until after the loan showed 60 days late. They told me it was nothing they could do. I provided proof of a forbearance multiple times of another loan and they still reported my loan late.

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 2018-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
Reference recently closed complaint XXXX dated XX/XX/XXXX. This company has begun aggressively calling my house again after telling me through the CFPB complaint process that they would stop bothering me. They have began calling daily, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. As you can read from previous report, the company is looking for XXXX XXXX, the son of my home 's previous owners who sold to us in XXXX. This person has not lived here since XX/XX/XXXX and the company has been told this multiple times.

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 2018-07-06 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: DE

Complaint narrative:
my accounts were compromised with fraudulent charges, XXXX   caused the breached. To this date the continue to report the fraudulent address on my credit report also the fraudulent charges from XXXX XXXX. 

XXXXXXXX XXXX acknowledges that the card with the fraud charges was closed in XX/XX/2017 when I discovered the address was changed and cancelled it, and there after they allowed the card to continue to be used for unauthorized purchases after it was closed. 

XXXX president office continues to ignore my letters and phone calls, they ignore the claims sent to you and keep marking them duplicate, they are really unprofessional I need XXXX  to clear my credit report and correct it.

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 2018-07-06 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
in XXXX my personal info was compromised, my XXXX XXXX plum card was taking over by a XXXX XXXX, fraud charges were made on account, my address was also changed, I called and reported the breach to XXXX XXXX and changed back the address the account was closed. 

they credited back the XXXX charges inXX/XX/XXXX and in XX/XX/XXXX put bck the charges and when I called them they told me they sent letters to me to the fraud address and I did not reply so they closed the fraud case and put account into collection.

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 2018-07-06 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
IN REGARDS TO XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THEY ARE CONTINUING TO REPORT TWO FRAUDULENT ACCOUNTS I KNOW NOTHIG ABOUTON MY CREDIT REPORT AND HAVE NEVER HEARD OF THESE COMPANY BEFORE AND HAVE NEVER RECEIVED ANY CORRESPONDENCE THEM. HOW AND WHAT THE DEBT IS FOR AND WHAT PROOF THEY HAVE THAT IM CORRECT PERSON THEIR LOOKING FOR? THESE ACCOUNTS WHERE OPENED I ASSURE YOU DUE TO ME BEING A VICTIM OF IDENITY THEFT AND XXXX  HAS YET TO NOT DONE A PROPER INVESTIGATION TO EVEN SEE THAT THESE ARE NOT EVEN MY ACCOUNTS AND DONT BELONG TO ME. I HAVE NEVER HEARD OR HAD A XXXX XXXX XXXX   ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018, my credit card from Chase Bank was declined at " Healthy Pets. '' It is a business a few blocks from my home where I have completed several similar transactions over the past three-plus years. I immediately contacted Chase Bank and asked why my card was blocked, without prior notice, at a business I use regularly. Chase refused to provide a reason, or to even substantively respond. 

In regard to the XX/XX/XXXX incident, I re-contacted Chase Bank by email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, Chase assures me it is " looking into '' the matter. 

This is a new, different, and separate incident from the XX/XX/XXXX incident, which is the subject of a separate complaint. In both instances, Chase blocked my credit card without prior notice. In both instances, Chase rebuffed my many attempts to substantively resolve the issue. 

I have spent at a minimum two hours dealing with Chase 's errors, and in my efforts to engage Chase substantively. My professional time is billed in excess of {$200.00} per hour. A very conservative analysis mandates a conclusion that Chase should reimburse me {$400.00} toward the waste of time, stress, humiliation, and harassment that Chase continues to inflict. 

I again request that Chase acknowledge its errors, apologize for blocking my card without prior notice, assure me that such will not occur again without prior notice, and reimburse me {$400.00} for my time that Chase has caused me to spend seeking a fair resolution. 

All of the above has been relayed to Chase and it is documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
in XXXX my personal info was compromised, my American express plum card was taking over by a XXXX XXXX, fraud charges were made on account, my address was also changed, I called and reported the breach to American express and changed back the address the account was closed. 

they credited back the XXXX charges in XX/XX/XXXX and in XX/XX/XXXX put bck the charges and when I called them they told me they sent letters to me to the fraud address and I did not reply so they closed the fraud case and put account into collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX {$500.00} CONTRACT WAS CANCELLED. NO CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2018 Chase bank uncrecognized hard inquary was reported on my XXXX  report, I did not made this hard inquary, please help me to remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Student Loans issued my monthly statement in the beginning of XXXX of 2018 indicating the payoff amount for all of my loans totaled approximately {$58000.00}. Then, over a series of payment between XX/XX/XXXX and XX/XX/XXXX, I payed {$62000.00} to Discover Student Loans to repay my debt. Discover Student Loans did not accept many of these payments and issued " Payment Reversals '' for many of these. However, I was never issued a refund for reverse payments - Discover Student Loans still has all the money that I paid them, but the amount has not been applied to my loan. Discover Student Loans is now claiming that I owe an additional {$16000.00} dollars. I have clear records of all my payments, and because all of these payments occurred electronically, my personal bank also has record of these payments, with no record of refunds ever being issued. It is my belief that Discover Student Loans is fraudulently attempting to take money from me that they are not entitled to. Please contact me to assist with this manner and so that I am provide further details. 
Thanks You, XXXX XXXX ( Primary Borrower ) and XXXX XXXX ( co-signer and brother of the borrower )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
ENHANCED RECOVERY COMPANY IS TRYING TO COLLECT A DEBT THAT ISNT MINE. XXXX XXXX FOR XXXX DOLLARS. I DID NOT OPEN ACCOUNT WITH XXXX XX/XX/2018. THIS IS FALSE. PLEASE REMOVE FROM ALL THREE CREDIT REPORTING AGENCIES.THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Portfolio Recovery Is attempting to collect on a debt that they have re-aged on my credit report and never sent a dunning letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ronald H. Reynolds, Inc.
State: PA

Complaint narrative:
Ronald Reynolds is collecting money but stated by his letter the account was recalled by the creditor. He sends some print out sheet that's no more than fraud and has numbers of money received is over {$200.00} dollars per week and some weeks as much as {$270.00} with 3 different amounts running on the same case and nothing but deceptive and XXXX can verify the small amounts he has on some power point created sheet is not any proof as MY XXXX   statements show with nothing but fraud on his part. He can not dispute XXXX amounts. Ronald Reynolds should be investigated and how many other clients been rip off by his accountant methods. He never replies back to any dispute and XXXX can verify proof of his fraud and I have weekly print outs as proof he is no more than the modern day fraud on his part. The other law firm XXXX relied back as to they sent the account back as he was suppose to be there attorney. Ronald Reynolds should be investigated and his accountant methods as to how many people he rip off. He has no morals of no kind. I have also filed with other avenues to investigate him and XXXX XXXX XXXX   I will keep filing on Ronald Reynolds on other agencies on his  practices. he does not reply to disputes or nothing just collecting money he can to survive and mislead and deceptive in many ways. He was not giving XXXX XXXX XXXX the right amount of money and should be bought to attention as nothing but greed and lies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I had spoken with the loan officer of Quicken loan about refinancing. He had come up with a good offer that I couldn't refuse. He was only mentioning to me that the deposit for appraisal was refundable and I will receive it in a form of check or credited to the loan but failed to mention to me that if the loan did not work out the deposit is not refundable. He had me sign so many papers and when come to the appraisal deposit he had sign again but still did not mention anything about the appraisal not being refundable if the loan did not process. 
I had paid XXXX and the loan did not work out. 
Now they telling me I had sign it but initially they did not mention anything about it not refundable. I had talk to the senior administration official..they said the case is close and they can not do anything about it and keep telling me I had sign it .. but I'm not aware of it and sign it thinking that everything was going well. I felt cheated because the loan officer did not mention to me anything about the appraisal policy. The only thing he was telling me was its refundable after closing. 
I know I lose my money but this company need to have their employees honest upfront with their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2018 Chase bank uncrecognized hard inquary was reported on my XXXX report, I did not made this hard inquary, please help me to remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
AFNI IS TRYING TO COLLECT A DEBT THAT ISNT MINE FOR XXXX DOLLARS ON BEHAVE OF XXXX XXXX XXXX. I HAVE NEVER HAD ACCOUNT WITH XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Navient refused to enter me into a secound income driven repayment plan. They allowed the plan to lapse and then charged my account XXXX in fees that I did not owe. They apologized but refused to reverse the charges. I am forced to wait 30 days to enter into a new program in which Im forced to agree to pay them money I can not afford

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: DISCOVER BANK
State: NJ

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX reported unrecognized hard inquiry on my XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Have made Several payment settlement XXXX XX/XX/2018 XXXX/218 and XX/XX/2018 on the first set I needed them send me the agreement in writing called them in XXXX several times trying to see where the letters were and find out what date they were mailed out XXXX acct was for XXXX and XXXX and acct with XXXX XXXX for XXXX XXXX These Two Accts. were to be paid by XX/XX/2018 and if I needed more time I was to call them in may I called them again and told them that I still had not received the letters I spoke to a XXXX he then told that the letters were not out because I needed to give them Permission to contact me and call me I ask a fax number so I could send them what they needed XXXX gave me a fax number to fax the release I tried to and their fax was not working I called the back they gave me another number it did not work so I mailed them to them and onXXXXorXXXX  of XXXX I called them back to see what was going on I was connected to a Operation Manager she told me that to email her the release and then she would send me an email reply to them by say that I Agree and they would email me the Letters and she would put it until XXXX I never received the email so I called them again and this XXXX they told me that the pay off agreement was no longer and that I need to a higher amount on accts I am still waiting for the email payoff agreement I now think that this their way to get more money I also asked to speck to Corporation., was told that they had no way of connecting me with Corp because of this I have Lost my funding and my3.5 % rate is gone the home was sold to a new Buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery has been on my credit file for 10-20 years, maybe longer. I have no idea what they want besides stealing of ones identity for personal gain. Theyre fraudulent companies that keeps harassing years n years. They have copied previous mail resending items to me, stolen my priority emails, hacked n sent viruses to number of my cellphones as they ruined them. Using an dynamic dialing system harassing n committing insurance fraud, they have contacted with social security administration. Violating my records in file n my rights. Stole my identity online and offline. Changing my Department of Motor vehicle records to unknown addresses. Stealing my domestic mail, n bank cards & checks out of my mail boxes. Having others Harassing me day n night, in person n over internet. They call about student loans I dont owe, they say theyre government officials. They call acting as government officials, saying Im gon na be deported when Im USA citizen born n raise in California. Theyre coming around committing vandalism to my property n property I live at is ongoing. These people continue to cost me money, causing all kinds of horrible harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2015 an account was open to cfraudulently. with a balance of {$1500.00} I have made attempts to contact them of this matter to only be referred to a collection agency XXXX XXXX in which they have sold the account to followed by ( writing off as a bad debt ) i notified XXXX XXXX  and XXXX XXXX XXXX XXXX that this is not my account. this collection harmfully effects my credit score. the account number where this debt can be found for XXXX XXXX  is XXXX account number with XXXX XXXX XXXX XXXX Unknown. a letter was sent to both companies followed by the police report attached for Deceptive 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 non-monetary relief
Consumer complaint received 2018-07-06 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2018 chase card reported unrecognized hard inquiry on my XXXX credit report, which its not my

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
In every attempt to open an account with a bank I am denied due to a bad report from Certegy. And it seems impossible for me to cash a 3 party check. I have obtained a consumer report from them and there are no outstanding Items listed in this report. There are only inquiries from my numerouse attempts to open a checking account to have the benefits that the establishment of checking and savings account ownership comes with. Thanks in advance. 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