vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
Just started off with charges I didn't make. Undisputed is it was taken off told me to wait 30 days it will be complete. Initially they hit me it by XXXX they originally took the charges off. had made my balance correct what is the end of you waiting for it to be settled Last minute they charged back a payment to my cellphone company this very first charge I have made that was right around the amount they has overcharged me. Put my account in collections with the cell phone company had to repay p in 4 days that's how they fix me everything they took off my balance they said to make it right for the fraudulent charges and they had added made it right until last minutes they didn't charge back to my cell phone company for the amount that would have made it right.Said it was settled because I didn't know they had did that this is a plan that put me back in XXXX in the first month been downhill. Pull up in about another claim. It was about putting money from my bank account destroy employees two or three payments at a time it even tried to pull to pay off for a maxed out card. I felt was still wrong then turn around a week later and pulled off another {$42.00} payment and was trying to pull more of my account but it has grain my account in the bank will not pay any more overdraft I had not otherwise you probably didn't know isn't about them until the first watching my credit report it showed it paid off and completely just stopped and went on to pull more payments. I still feel like I'm in dispute. There's always going to be at the bank to it was closed and now they just keep getting my credit rating I don't have any trouble with my other card just this one this all happen in threes or 4 months after you open it. Go talk to the credit card company can was under the impression XXXX XXXX XXXX has bought Continental app but not the credit card division they're working on their own taking every dime they can can from their customers

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 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have been going through this issue since 2018 with Portolio Recovery Service LLC. They keep putting this information back on my report and it is affecting me from moving forward in my life. I am unable to get certain jobs and all. I am tired. This is in regards to account # XXXX have sent them a ceast and desist letter on XX/XX/2018 and they followed up with the same collections debt. I have also sent a copy of police report stating fraud etc. I am tired. This is hurting me bad. I am ready to take it to the medi. I have also been breached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I made a cash deposit using a Drive-thru ATM at XXXX, PA on XX/XX/2019 around XXXX. I deposited {$1100.00} at first time and the ATM returned {$100.00} back to me, then I put another {$2000.00} then closed the whole transaction. I found out it only showed the system took {$2000.00} not the {$3000.00} in total on the same day. All {$3000.00} are 30 latest version of {$100.00}. I just got them at a bank from XXXX. The money is brand new. I called the Wells Fargo and made a claim on XX/XX/2019, but they refused my claim on XX/XX/2019. 

Based on Regulation E Electronic Fund Transfer Act from Federal Reserve System,  " the financial institution determines that no error occurred or that an error occurred in a different manner or amount from that described by the consumer, the financial institution must mail or deliver a written explanation of its findings within three business days after concluding its investigation. The explanation must include a notice of the consumers rights to request the documents upon which the financial institution relied in making its determination ( 12 CFR 1005.11 ( d ) ). '' I requested the detailed investgation information from Wells Fargo. After multiple phone calls and long waiting time, I only got pages of time list with unexplained code and no any data shown.

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 2019-03-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian removed a item from my credit report on XX/XX/XXXX2018 and reinserted that item without notifying me within 5 days in violation of 15 U.S. Code 1681i. Procedure in case of disputed accuracy U.S. Code

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 2019-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
This email was sent XX/XX/XXXX.. 
Good Day, I am EXTREMELY upset with the way my issue is being handled, as a customer it makes NO SENSE to be violated by a thief as well as Western Union.!!! 
I purchased XXXX money orders totalling {$600.00} that were stolen. I immediately called to have them flagged or canceled. 
I was told I have to pay a NON REFUNDABLE fee of {$60.00} to have a trace put on them which may take up to 120 days. 
I am in NO WAY fortunate enough to be able to afford this amount let alone WAIT 120 days for a resolution, this was part of my rent money. 
It seems as though your policy benefits the crooks and not your customers. It provides the crooks with enough time to cash & spend MY HARD EARN MONEY..!!! It should not cost me MORE money that I dont have to track down these money orders or who spent them and where.!!! 
I am looking forward to speaking with someone in your Corporate Office in search of a better solution to avoid involving attorney 's & reaching out to the XXXX as well as the media. THIS IS EXTREMELY UNFAIR Money Order Info : XXXX XXXX On XX/XX/XXXX I submitted the the Money Order Research Request form. On XX/XX/XXXX the stolen money orders were cashed. On XX/XX/XXXX I recieved in the mail a photo copy of a cashed money order for {$100.00}, however I paid to have the {$500.00} money order traced ... Customer Service is outsourced to the XXXX and even they are very rude & unhelpful

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES LLC was required to notify me no later than 30 days after furnishing the negativebinformation to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. PORTFOLIO RECOVERY ASSOCIATES LLC is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES LLC is in compliance with OHIO LAW.  I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. PORTFOLIO RECOVERY ASSOCIATES LLC.  has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
About a year ago two accounts from XXXX appeared on my Experian profile, I did not recognize them. My attorney contacted Experian via mail and by phone because I had been a victim of ID Theft and she was assisting me in a law suit .... anyway Experian removed the accounts. However, after a year this past Friday- Experian re- inserted the accounts back to my credit without proof or proper validation. I called them and was told I needed to contact XXXX. I already had and have been unable to get proper validation and was told to dispute the account with the bureau. If the accounts are not removed, I will be filing a law suit. I was just about to apply for financing

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 2019-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I renewed my Income-driven repayment plan before the XXXX deadline. I was approved and Navient is still showing that I owe a payment and I'm no longer on the Income-driven repayment. I have 2 emails showing that I was approved and I've spoken to a rep from Navient who said they would take care of it for me before the payment was due {$580.00}. The payment is now past due and they are saying that they are going to take care of it. I don't trust that they will handle this situation and I'm worried about the finical implications of being removed for 2 months from the payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Hello- and thank you for helping me. 
I want to start by saying that I have tried to close my account with PNC bank at least 4 times-now. I have never known them PNC to be as unprofessional and playing hardball as they are now. I have closed my account -yet they keep it open. It was first closed early XX/XX/XXXX and the teller told me that early the next morning they would close it, but some disputes was on it, in 2 weeks - I went down town DC to the PNC Bank and was told about the disputes, so I waited 2 more weeks-when the disputes were closed because the company wrote me and said they did not want any funds. PNC has an auto machine that answers the phone and is programmed to hang if the caller does not have a bank code. I had cut up my debit cards already and was not using the account because I thought it was closed. I went downtown to the DC PNC Bank again last week XX/XX/XXXX and it was still open, all disputes have been closed, and I told the young lady that it was suppose to be close- she told me the same-thing as the last teller- in the morning they will close it. I think PNC has gone crooked or loss their minds- please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Leopold & Associates, LLC
State: NY

Complaint narrative:
I was served with a complaint in a foreclosure case, Index # XXXX, on XX/XX/XXXX, which was in Supreme Court, XXXX XXXX, New York. 

That case was Voluntarily Discontinued by plaintiff XXXX XXXX XXXX XXXX XXXX, ( XXXX ) on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX reopened the case, XXXX # XXXX. A debt collector, Leopold & Associates, is the company designated to handle the case. 

In an earlier complaint I filed with your agency, the Consumer Financial Protection Bureau, ( CFPB ), against XXXX, which dealt with the Statute of Limitations, XXXX indicated that they were not the party involved in that matter, that I should take it up with " another company. '' This was a strong indication that they are not the plaintiff in the case, but they worded it in such a way that they did not clearly say this. 

This complaint against Leopold is an attempt to identify them as the owner of my Note. In the majority of cases, a debt collector buys the debt for pennies on the dollar and pursues collection for themselves. I believe this is true in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I received the alert below in regards to an account i have not opened. Because I did not open the account I am not responsible. This credit blemish affects my employment which require Top Secret clearance which I have had for over 15 years. 

Source EXPERIAN Alert Date XX/XX/2019 Balance Amount {$790.00} Is Collection YES Open Date XX/XX/2019 Payment Status XXXX XXXX XXXX ( COLLECTIONS ) Status Date XX/XX/2019 Name XXXX XXXX XXXX/ Phone ( XXXX ) XXXX Business Type YC Street Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I have written 2 letters informing Transworld Systems Inc. that the XXXX bill does not belong to us. The bill was for a shipment that did not originate from the address indicated and the billing address was for a company that does not exist. I suggested they contact the sender indicated on the bill or the recipient indicated on the bill for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Good morning, I opened an account with XXXX that served by XXXX XXXX XXXX. Basically I'm just trying to pay my bill in full, however bank refusing to provide me any information regarding my own account so I can make a payment. However, they are offering pay your bill with XXXX $ fees, which I think violates my rights of a fair trade. So what they do, they start sending me a bill with interest fess and stuff, but I'm unable to pay it because I can not login to my account and pay it off. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: MARINER FINANCE, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX19 I spoke with the branch manager XXXX XXXX and she informed me that my account was past due. I had my daughter call contact and set up a payment for the two months that were behind and gave Ms. XXXX permission to speak with my daughter about my account. Once the payment information was submitted Ms. XXXX and her associate assured me that she would contact the collections attorney XXXX XXXX and let him know that the account was up to date. Well today I get a warrant in the mail saying the account is in default. The only payment that I owe is for XXXX. I want the warrant in debt dismissed and credit report fixed. As of XX/XX/XXXX Mariners is  showing the account as closed. Well today I get a warrant in the mail saying the account is in default. The only payment that I owe is for 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 2019-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: WY

Complaint narrative:
Long story short, I almost passed away last year due to XXXX complications, resulting in massive medical bills and financial hardships to my family. Freedom Mortgage put us in foreclosure. 
XX/XX/2019 we had the house under contract, I submitted and called Freedom to ensure they were informed. I also contacted VA loans and provided BOTH with the contract. 
Freedom denied any further paperwork from me. XX/XX/2019 I called Freedom and their attorneys to ensure all paperwork was there to cancel the auction for XX/XX/2019. 
XXXX XXXX had no indication we had a contract, after more than the 48 hours Freedom had to report. I emailed the contract to XXXX and contacted Freedom in which they stated they needed more paperwork that they never contacted myself or my husband to get. The listing and HUD. The listing was sent XX/XX/2019 and the HUD will take 48 per the title holders requirements. 
Freedom is very much aware of this process and failed to disclose. 
Freedom told the VA that they have to approve our short sale. This is NOT a short sale and they are aware. We owe XXXX and the contract is for XXXX. Freedom is stalling and failing to disclose the needed information. They have chosen to force us for approval of short sale when legally this is absurd. We are not selling for less by any means! 
This home is under contract and the buyers loan is already approved. Freedom can not legally stall or fail to inform us of what's needed for their own gain. It's unacceptable and unethical. They need to be held to the standards as everyone else. 

Attached is the listing and contract for sale.

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 2019-03-19 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: GA

Complaint narrative:
My name is XXXX XXXX and I am writing about the inaccurate information that continues to report on my credit file. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have one closed account that is reporting negatively on my Experian account only. This is a XXXX XXXX account where I have never been late but is showing on Experian that I have been. On XXXX  and XXXX  this same report shows zero lates. I have requested this to be corrected but Experian several times to no avail. There has been no proff provided to show that this reporting is even accuarate as it is not. This inaccurate reporting history is not only a detriment to my credit file but also does not accurately reflect my payment history. There is also a XXXX account where I have submitted documentation that it was fraudulent that is still reporting on my credit file with numerous lates and a balance. I have contacted XXXX to close this account but Experian is till reporting an open account. At this moment, these fraudulent and inaccurate accounts are only reporting on my Experian credit report as the others have deleted or corrected this incorrect information. This situation has been going on for well over a year and I do not feel the representatives are aware of the trauma and physical and mental anguish this places on identity theft victims. I have also reached out to the CEO of Experian for assistance in this matter as this has been going on for well over a year. 

The fraudulent account to be deleted and blocked is XXXX. Also, I would like the closed XXXX XXXX payment history to be accurately updated to show no lates. 

Please see attached for the police report and supporting documentation.

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 2019-03-19 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: SC

Complaint narrative:
I have been attempting to contact XXXX  for years for them to look into an issue with my balance. When my loan was first turned over to them I was making a monthly payment of {$42.00} which would be $ XXXX/annually. I then started making $ XXXX/Mth payments for a total of XXXX/annually. After I refused to pay them until the issue was resolved, they began calling my ex husband and giving personal information to him to collect a balance. This information was used against me in a custody battle. I have spoke to two different people within the last few years, both of whom told me there was an issue with the balance and that the payments I was making were not being deducted from the balance. I paid $ XXXX/mth for a year and they only deducted $ XXXX/annually from the balance. I was told this would be adjusted and fixed so that I could pay off the entire balance. At this point I put my account on a forbearance, since this was what I was told I had to do until the issue was resolved. I will make a one time payment XXXX  to close this account but will not make any more payments towards the current balance of XXXX. They refuse to look into this issue and return calls or emails and continue to request money. As you can see on the attached spreadsheet, the amounts never went down, they continued to increase and payments were not deducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief