vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
2006 student loans that were paid off by sallie Mae, when they transferred to navient my account was obviously not properly updated in Sallie Mae records. I have paid my loans off and get calls daily, letters that they will garnish my checks. Took my refund from taxes That I have paid OFF previous to the transfer of navient My credit score is getting major impacted on these collections to XXXX. I KEEP DISPUTING THESE CLAIMS AND STILL ON MY TEPORT. I WANT THEM CLOSED AND OFF MY CREDIT REPORT. IT IS UNFAIR TO MAKE FALSE STATEMENTS WHEN THEY HAVE BEEN PAID OFF. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo has not responded with accurate information regarding my monthly income and they not communicating with me or my attorney in a good faith effort. The company with little notice increased my mortgage stating my property taxes increased when in reality they went down. They also changed my home address and I can seem to get anyone on the phone to correct this mistake.

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 2019-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: MD

Complaint narrative:
I have tried many times to have this item removed from my Credit report many times and just keeps on popping right back on my credit report! I told them many times that my identity was stolen and I did report it. Now this company is calling my house threatening me and my family for payment? Can you please Look into this matter? Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Taking Payment from an un-selected un-designated account I have been a regular Paypal customer for years and recently changed bank accounts. I have provided alternative accounts to collect payment from and made them my " preferred '' account for Paypal to collect payment from. Paypal INSISTS on debiting my old account. 

I called Paypal 's customer service and the REFUSED to delete the account. " Payments are pending '' I said let them be refused as I had provided alternate account information for the payments to be drafted from. The CS agent was rude and unhelpful and then called me from their personal cell phone to harass me after I got frustrated and hung up. 

I called Paypal 's CS again today to have all my account information deleted and my accounts closed and I'll go to XXXX XXXX and the CS agent once again refused to help me stating that no one in the company can delete my account. I asked to speak to their supervisor and they left me on hold. I hung up after 10 minutes. 

We all know that last part is completely false. Computer information is deleted every micro second. 

I have been charged {$440.00} in overdraft fees from a bank account I did not specify to be drafted by Paypal after providing them account information to draft my payments from. I have tried to resolve this with Paypal directly but their CS is staffed with people that are unable to resolve the issue. 


Account ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2019 - It was reported that XXXX XXXX requested a copy of my credit report from TransUnion, which I did NOT authorize. 

XX/XX/2019 - I was notified via email from my credit monitoring service that there had been an inquiry made on my credit report. I was furnished with the name and telephone # of XXXX XXXX if I deemed this to be in error. 

The telephone # provided for XXXX XXXX   was a recording regarding mortgages, after which the call disconnected me. 

I then called XXXX XXXX 's fraud department ( XXXX the # ) and explained the situation to an agent. I did provide my name and SS # so the XXXX XXXX agent could verify if there was in fact a credit application made using my information. I was told no results were found? The agent instructed me to contact TransUnion. 

XX/XX/2019 - I attempted to resolve this online with TransUnion however, was instructed to call the agency as the issue couldn't be taken care online. The TransUnion agent was NOT helpful, just recited a lengthy set of instructions I needed to follow to resolve the issue! The first step was to again contact XXXX XXXX. 

I again called XXXX XXXX, using the original # I was provided. There was another # indicated in the recording, so I called this #. After 3 HOURS of being transferred to multiple depts., asking for my acct # ( I do NOT have one ), searching their records for an active credit application in my name ( some agents reported no application, while other agents did find one? ) and relaying my issue MANY, MANY times, I was told that a consumer dispute would be opened and my issue would be absolutely be resolved. 

XX/XX/2019 - UNBELIEVABLE! I receive a letter from XXXX XXXX ( dated XX/XX/XXXX ) stating they are unable to investigate based on the information I provided and in order to continue with the investigation, I need to submit the following : - My name, address and telephone # - PROVIDED XX/XX/XXXX ... ... 

- Copy of my consumer report showing the inquiry - XXXX XXXX made the inquiry, UNAUTHORIZED, XXXX XXXX should have the documentation. 

- An explanation from me as to why I would like the inquiry removed. You have got to be kidding me, I explained this several times to several XXXX XXXX   agents on XX/XX/XXXX. 

XX/XX/2019 - I am thoroughly disgusted with the manner in which XXXX XXXX and TransUnion have handled my identity theft/fraud issue. How about we train employees to assist consumers with some professionalism and empathy? Instead I get to waste several hours of my time with ignorant, inferior and at times rude employees who apparently think I am wasting their PAID time.

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 2019-05-19 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
These Inquiries should not be on my credit report! BRCLYBANKDE ( Credit Inquiry on XX/XX/XXXX ) BRACLYBANKDE ( Credit inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX!!! Now all of these are inquiries that should not be on my credit report. I have never applied for anything and have never had any accounts or Credit cards from any of these companies before! My Identity was stolen through identity Theft and yes I did report al of this? Can someone please look into this matter please Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/2019 I purchases concert tickets from someone over the internet. I sent them the money and they sent me the tickets. I go to the concert only to find out that the concert was cancelled. I sent then the money through the app zelle. I have tried constantly contacting the person back for the XXXX dollars i have sent them to be sent back and they never respond but are still active on the social media i connected with them through. I contacted zelle services and they said there was nothing they can do. Same thing with my bank ( XXXX XXXX ) The person I purchases the tickets from gets a refund from the concert company, so this person has just taken my money and also received money back for their purchase from the company themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I have to hard pulls from Citibank NA automotive on XX/XX/XXXX and XX/XX/XXXX I have not applied for anything the address and phone number showing are XXXX XXXX XXXX XXXX, TN 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 2019-05-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My Equifax account shows a negative reporting from XXXX dba XXXX XXXX  dated XX/XX/XXXX. I ceased doing business with Nationstar on XX/XX/XXXX when I signed a Grant Deed ( attached ) transferring the property to a buyer, thus allowing XXXX to be paid-off, and thus removing me as a client of XXXX and the closure of my account with XXXX. I no longer did any business with XXXX after that date as I no longer owned the property in question and no longer had an account with XXXX. Therefore, it was impossible for XXXX to report a " Derogatory '' status over one year later. This XX/XX/XXXX status report must be removed. Equifax has not done that. Equifax also is not allowing me to report this error to them because their on-line reporting system is consistently malfunctioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
THERE'S AN ACCOUNT CALLED " XXXX XXXX '' HAS ME LISTED AS AN AUTHORIZED USER, HOWEVER THIS ACCOUNT DOES NOT BELONG TO ME AND I WOULD LIKE FOR IT TO BE REMOVED. ALSO THE ADDRESS XXXX XXXX XXXX XXXX, NY XXXX DOES NOT BELONG TO ME AS WELL. THIS IS AN ERROR ON MY CREDIT FILE THAT NEEDS TO BE REMOVED ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
I have a student loan that was consolidated in 2007, I shopped the loan to different lenders.The best quoted interest rate was 2.2 percent so I told that person I would do that loan. I was supposed to get loan documents to sign and send back, I never received any. Instead I received a payment book. So I paid on this loan with electronic payment for 11 years till last year when I received an offer to lower my student loan from the better than 7 percent interest I was being charged. I talked to AES and they told me that was the percentage rate. I have informed them that I did not sign the promissory note and that they really needed to honor the quoted rate as they did not have legal documents to secure the loan. They then sent me an incomplete promissory note with an interest rate of 7.1 percent. Of course there is no signature, my social security number, my employer at that time, the company offering the loan, my drivers license, my email. So the loan documents they provided to me are pretty much legally useless from there perspective. I would have never ever even considered consolidating at an interest rate much higher than I was paying at that time. This loan was consolidated at 7.1 percent interest without my approval or signature and the loan documents provided by AES are not legally binding. They do however illegally report it to the credit bureau which requires that the loan is legally held, and knowing this they still report it thereby committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: Colony Brands, Inc.
State: MD

Complaint narrative:
These Inquiries should not be on my credit report! XXXX ( Credit Inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX   XXXX XX/XX/XXXX ) XXXX  XXXX XX/XX/XXXX Ginny 's Inc XX/XX/XXXX!!! Now all of these are inquiries that should not be on my credit report. I have never applied for anything and have never had any accounts or Credit cards from any of these companies before! My Identity was stolen through identity Theft and yes I did report al of this? Can someone please look into this matter please Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
These Inquiries should not be on my credit report! XXXX ( Credit Inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) Capital One XX/XX/XXXX ) Capital One XX/XX/XXXX XXXX 's XXXX XX/XX/XXXX!!! Now all of these are inquiries that should not be on my credit report. I have never applied for anything and have never had any accounts or Credit cards from any of these companies before! My Identity was stolen through identity Theft and yes I did report al of this? Can someone please look into this matter please Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I had been applying for payday loans online to help out my current financial situation. On the morning of XX/XX/19, I received a call from a person pretending to be speedy cash. I was told they had approved a loan of {$5000.00}, but we had to boost my credit score first. They sent over official looking loan documents and even deposit {$790.00} into my bank account. All I had to do was return the {$790.00} to boost my credit score and receive the loan. This was a busy and stressful day for me, so I didn't put a lot of thought into it at the time, and I was desperate for the money. I was instructed to purchase gift cards called " steam '' for the amounts released by my bank ( XXXX XXXX XXXX XXXX ). The bank only released {$200.00} on the same day as the mobile deposit was made and then only {$200.00} the next day. On the third day, the check was returned by my bank and I was out {$410.00} ( i was charged a return item fee by my bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THERE'S AN ACCOUNT CALLED " XXXX XXXX '' HAS ME LISTED AS AN AUTHORIZED USER, HOWEVER THIS ACCOUNT DOES NOT BELONG TO ME AND I WOULD LIKE FOR IT TO BE REMOVED. ALSO THE ADDRESS XXXX XXXX XXXX XXXX, NY XXXX DOES NOT BELONG TO ME AS WELL. THIS IS AN ERROR ON MY CREDIT FILE THAT NEEDS TO BE REMOVED ASAP!

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 2019-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sold my home at XXXX XXXX XXXX, XXXX, Ga. XXXX. I live there for over 21   years. I had used XXXX  XXXX XXXX- Acc # XXXX -the entire time. I was never late or never missed paying my bill on time. Not once ever. The monthly bills for the last year, XXXX, average between {$60.00} and {$120.00} per month. The month after I moved I received a bill saying I owed {$340.00}. My payments were up to date as of the time I moved. I call XXXX  XXXX. XXXX immediately because I could not understand what the {$340.00} was about. The person I contacted gave me the run around that it was money 's they had not charged me for gas that was back due. Told her it sounds like something you have made up and want me to pay. I could not understand or follow anything she was saying about the situation. Told her to send me in writing, along with proof, what this supposed claim was about that you want me to pay. You need to give me the background, numbers, dates, etc. Never heard anything from them. On XX/XX/XXXX, I received a notice from a debt collector -- Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, WA, XXXX for {$340.00}. This is eleven months after I had spoken with them and since I never heard back I assumed the situation was rectified. Now I see that XXXX XXXX XXXX evidently sold this fraudulent " Bogus '' claim to Convergent. I do not owe this money and I need your assistance in rectifying this false claim.

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 2019-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
Old credit card went into collections Stegner and Stegner began collection attempts, Contacted the firm and offered a settlement, they stated they could not settle for two weeks, but to pay them XXXX to show Im working with them. Called back two weeks later offered a settlement they declined, said they needed to review with the attorneys. I was sent a demand letter to pay or they would put a judgement in my name. On XX/XX/XXXX I received summons one usps,  and summons 2 certified mail, both back dated court documents on the same day. I paid the company in full on XX/XX/XXXX via cashiers check with XXXXXXXX XXXX tracking. I confirmed they received my XXXX XXXX   with my cashiers check via phone and tracking. Company stated they will send out a XXXX balance to my address. On XX/XX/XXXX at XXXX, a process server served my address with a third summons. Stenger and Stegner is violating federal collection laws by continuing to  harass me with legal recourse in person on a debt that is paid in full. I have proof of delivery of my cashiers check, proof from the bank it was issued and a phone conversation that they received my payment. Something needs to be done regarding they illegal collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In the last 24 hours I have received seven ( 7 ) calls from synchrony bank ( XXXX ). On XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, and XXXX. 
On XX/XX/XXXX at XXXX and XXXX. It has been very disruptive to my day. They have not left a single message even though a voice mailbox is set up. I told them on the XXXX call on XX/XX/XXXX to stop calling as I feel like thats borderline harassment and not within the appropriate confines of collecting or informing of a debt.

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 2019-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/2018, I noticed that my Coinbase account was restricted from making purchases. When I looked further, it was because they erroneously believed that my account owed them {$350.00}. This was an issue because I still had virtual currency in my account, and was now no longer allowed to liquidate it or to transfer money out of my account. As such, on that day I emailed Coinbase support. 

Coinbase support then got back to me, saying to verify my account. I verified my account. Then, they got back to me saying that I was wrong, and that I owed them money. I called customer support, and they looked deeper into my account, and asked me to send details from my bank statements to prove that I do not owe them money. I complied with this. They then said that this would be escalated to a specialist to be resolved, on XX/XX/XXXX itself. 

For the next 6 months, they continually ran me around, giving me various answers, and continually asking me the same questions regarding providing details and evidence that I did not owe them money. I continually did so. All correspondence is included in the attached email. Continually, they said that I owed them money, and when I explained and proved I did not, they continually said it would be referred to a specialist, and it never was. I have provided them with bank statements with highlighted transactions and highlighted refunds related to Coinbase ' double charge issue and all of the transactions balance out to {$0.00}, not the negative {$350.00} that they are claiming, but despite this evidence they have not even tried to rectify the situation. 

Recently, on XX/XX/2018, they took the step of liquidating {$65.00} worth of litecoin from my account, and seizing those funds, without decreasing my outstanding negative balance by such. Currently, they still have a negative balance of {$350.00} on my account, and are threatening to try to seize even more funds. No matter how many times I try to rectify the situation, or provide them evidence to support my case, it is continually disregarded. It has been over one year since I first reached out to them, and they have still not provided me with any answer or even attempted to resolve my situation.

Company response to consumer: Closed with explanation