vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-14 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: Ascendium Education Group
State: FL

Complaint narrative:
I am so frustrated with all three credit bureau, I been writing since 7 month ago been asking for them to dispute all this unknown item on my credit report nothing I been ask for prove from all three credit bureau no prove was sent I wrote all the collection company nothing was done I am in need of help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My complaint is with PayPal. I was directed to the CFPB by a contact found on the XXXX website, so I am hopeful that this agency can help me. 

I was recently told by PayPal that a payment made to me for an XXXX   auction was being disputed as being unauthorized. This was for an auction which had both ended and the product had been mailed and received by the buyer. This seemed odd as the buyer had provided positive feedback and the USPS tracking number showed that the product ( a set of books ) had been delivered. 

Of particular concern was that the notice from PayPal offered no way for me to provide an information. Neither did their website. There was no apparent way for me to respond to this claim. 

I did contact the buyer through XXXX 's messaging system and they confirmed that they received the product. At first the buyer was unaware of the dispute and felt the email I received might be a scam. However he was later able to determine that through a miscommunication another member of this family was unaware of the purchase and so flagged it as unauthorized. According to him, they contacted PayPal to try and cancel the dispute. 

A month later I received a second email from PayPal which said that they found the dispute to be credible due to " We did not receive proof of shipment ''. Something I could clearly provide with a USPS tracking number. Yet again, I was provided no way to respond to this or offer any supporting evidence for my side of this claim. 

In addition to this I was informed that I was being charged an additional {$20.00} as a " chargeback fee ''. Their email even states that I may not have been expecting this fee. How is it that a fee can be levied without notice -- which their email even calls out. 

I understand that PayPal is not considered a bank which I why I approached the XXXX to start with. I don't know if this falls under the CFPB umbrella either. Yet this company which moves huge sums of money around must fall under someone's jurisdiction. 

All I am looking for is a way to provide information which is relevant to this dispute. A dispute in which both sides agree that a mistake has been made! PayPal does not appear to offer this in any form. 

The PayPal dispute number is XXXX. 
The tracking number for the shipment is XXXX. 
I am attaching a text file which includes the email exchange between myself and the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I applied for an apartment complex, XXXX XXXX, who uses XXXX for their third party screening. I applied and was approved at the end of XXXX. The XXXX inquiry shows on my TransUnion credit report. Less than a month later, XX/XX/2018, I notice a second inquiry from XXXX on my report. I quickly called XXXX to inquire about the second inquiry. They stated they would only request a copy of my credit, under the direction of the asked company, which happens to be XXXX XXXX. I called the leasing office. Everyone in the office denied the claim. I later emailed the emailed the leasing specialist. She admitted to sending a second inquiry about my credit score via email. She stated it was an accident. I emailed the property manager. She stated that she would reach out to XXXX and let them know this was an inquiry in error. I also sent a dispute letter to TransUnion which was delivered XX/XX/2018. Since then, the inquiry has remained on my credit. TransUnion has not informed me the dispute is open. It's been past 30 days since the dispute was received and still remains on my credit.

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 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Federal Adjustment Bureau, Inc.
State: NC

Complaint narrative:
I applied for an apartment complex, XXXX XXXX, who uses FABCO for their third party screening. I applied and was approved at the end of XXXX. The FABCO  inquiry shows on my XXXX   credit report. Less than a month later, XX/XX/2018, I notice a second inquiry from FABCO  on my report. I quickly called FABCO  to inquire about the second inquiry. They stated they would only request a copy of my credit, under the direction of the asked company, which happens to be XXXX XXXX. I called the leasing office. Everyone in the office denied the claim. I later emailed the emailed the leasing specialist. She admitted to sending a second inquiry about my credit score via email. She stated it was an accident. I emailed the property manager. She stated that she would reach out to FABCO  and let them know this was an inquiry in error. I also sent a dispute letter to XXXX which was delivered XX/XX/2018. Since then, the inquiry has remained on my credit. XXXX  has not informed me the dispute is open. It's been past 30 days since the dispute was received and still remains on my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: KY

Complaint narrative:
On XX/XX/2018 there was an application for a credit card with XXXX   XXXX  reflecting on my file. I immediately contacted XXXX XXXX and they confirmed the application as fraud and cancelled it. They assured me that they would send me a letter stating such and have it updated with all three credit bureaus. XXXX XXXX did indeed send me a letter as well as updating the bureaus as two of them have complied. Unfortunately. the inquiry remains on my Equifax report. I have sent several letters and have spoken to several representatives and managers at Equifax and they state that they can not remove it based on the information I have provided as they need an electronic transmission from XXXX XXXX. I participated on a 3-way phone call with a manager from Equifax and XXXX XXXX discussing how to get this removed. XXXX XXXX agreed to send he electronic transmission again. However, they would have to send it to all three bureaus as they can not send it only to Equifax. I agreed as the other two had already removed the inquiry as it was added in error. Equifax has yet to remove this inquiry and this is making it difficult for me to obtain good credit. Net month will make it an entire year that Equifax has not complied with XXXX XXXX. Please help me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
Hi ; I just call because I have a lower payment years ago. Then i have difficult payments with the expiration number card that i put to pay monthly. Now i call to consolidated my loans and have a goo payment to pay again my loan. Then require my personal information and i said that i have a lot of things that i have to pay monthly. 

The company send me a communication and send me 2 payments methods to high for me to pay. I also say that i can pay $ 120 monthly for my loan. When they tell me that i have to pay {$290.00} monthly. Honestly i need your help because i dont have that money to pay my loan. 

Please let me know how you can help me. my email. XXXX Thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I want to have prove I open those bank account I wrote XXXX   and call the bank no one seen to help me, please help me, I have seem bank information on my XXXX report that I have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: NC

Complaint narrative:
In XXXX and then again in XX/XX/2018 I submitted evidence in a dispute to Experian that I was a victim of Identity Theft. The response to my dispute was limited in action and results. Despite, follow up both by mail and phone dispute I am afraid I at a dead end, in a matter that has cause my personal financial life to be in disarray.

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 2019-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I received a promotion from CapitalOne for a zero-interest balance transfer to my CapitalOne card. On XX/XX/XXXX, I transferred {$4800.00} from a XXXX card to the CapitalOne card. CapitalOne shows the transfer in my account on their website. Notwithstanding the no-interest promotion come-on, on XX/XX/XXXX, my account was charged {$63.00} of interest. On XX/XX/XXXX, I spoke to " XXXX, i.d . # XXXX, in Virginia '' at XXXX, the phone number on the back of my CapitalOne card. She assured me that CapitalOne was aware of the problem and was fixing it. It has now been almost a month since that call and over two months since the balance transfer but the interest charge has not been reversed. I expect to have another interest charge assessed to my account on or about XX/XX/XXXX. I believe that if the company truly wanted to fix this problem, it could have done so already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
You are suggesting in response to CFPB complaint XXXX-XXXX  that this a bill from emergency room physicians for services provided during a hospital visit and is separate from hospital payment. 

This prohibited practice is called " balance billing '' and is contrary to Florida Statute 627.64194 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance billing is ILLEGAL in the State of Florida. Please delete this claim from XXXX. 

From this point on, any reporting of this claim to a credit reporting agency will be in violation of Federal law 15 U.S. Code 1681s-2 -  Responsibilities of furnishers of information to consumer reporting agencies. Knowingly and willingly reporting an illegal or invalid claim puts XXXX XXXX XXXX  at risk for damages and all attorney 's fees. 

At this point, I am only requesting that you delete this claim from 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 2019-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
Lobel Financial Services in XXXX XXXX XXXX repossessed my car and I don't even have a loan with them. All day XXXX XX/XX/19 I told my story to 10 people and nobody listed, they kept saying call the car lot, call the car lot. Nobody took the time to help me and I was furious an highly upset of by the lack of customer service that I received, it was absouletly at nightmare dealing with Lobel Financial in XXXX XXXX. I purchased my car from a car lot known as XXXX XXXX, he advised me to call XXXX and ask for a TWIX report, they refused, called him back he told me to contact Lobel Finanical. Called Lobel In XXXX XXXX XXXX back, told him what was going on after speaking to the Branch Manager XXXX and pleading my case once again, he looked up the VIN and advised me that the car he had in system didn't belong to me or my Mother, who co-signed for me on my car. XXXX advised me that a company named XXXX XXXX XXXX financed the car using his company, the person made 5 payments and then stopped. XXXX never contacted XXXX XXXX XXXX at all, he advised me to do it. When I called XXXX XXXX to asked them they actually where very helpful, and said the VIN number was inserted wrong on the contract over 7 or 8 months ago. Called XXXX back, he asked for my current lender XXXX XXXX to fax in paper work showing we have a loan with them. XXXX XXXX did send over the documents around XXXX. I called XXXX back at XXXX and asked him what time do I go pick up the car, he advised me that he sent the faxed documents over to corporate, and only sent an email. XXXX was supposed to call and get someone on the phone, however he admitted that he only emailed and faxed paperwork. XXXX advised me that he would contact cooperate and stay until the issues is resolved. I advised XXXX to have urgency, my Mom is XXXX years old, bad eyes, and she was sick. From my house the Tow Yard was 40 minute away that I needed to get to work and church. XXXX stated that he was not going home until I get my car back. XXXX never called me back, and he had my cell phone Friday night as he promised. About and hour later the owner of XXXX XXXX who I financed my car with said that Lobel financial broke the law when the repossessed my car with out a title. I dont ' want this to happen to anyone else and I'm filing the complaint on them for that reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: SC

Complaint narrative:
On XX/XX/XXXX I filed a complaint with the cfpb and this company responded quickly saying that this account would be deleted. However it is now XX/XX/XXXX and it has yet to be deleted from my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES
State: IN

Complaint narrative:
This issues is in regards to XXXX XXXX XXXX XXXX XXXX   and XXXX, information provided on their customer portals, and information given by service representatives over the phone. I believe the company is providing misleading information and does not have consumer 's best interest in mind. 

I have been paying off my student loans for the past 2 years. I have never missed a payment and decided I wanted to be slightly more aggressive with paying off my loans. For this reason, on XX/XX/2019, I made and additional {$500.00} payment outside of my scheduled monthly payments. My goal was to pay off my loan with the highest interest rate. 

Great Lakes does have an option to specify which loan your extra payment will be applied. However, they also have statement on their webpage saying " Once your scheduled monthly payment and all outstanding interest has been paid, we automatically apply any excess payment amounts to the loan with the highest interest rate, thus costing you less interest over time. '' This statement is telling you what will happen if you do not select a specific loan for the excess payment to be applied. 

A few days later, I logged-on to my online portal to ensure the {$500.00} was applied to my loan with the highest interest rate only to find that the excess payment had been distributed across all of my loans. I have 4 loans serviced by Great Lakes with amounts varying from {$2000.00} to over {$30000.00} ( perks of XXXX XXXX ) with interest rates varying from 3.15 % to 6.55 %. 

I called to inquire. I thought it might have to do with the timing of the extra payment in relation to the monthly scheduled payment. 

The customer representative who spoke with me informed me that 1 ) excess payments are not automatically applied to the loan with the highest interest rate but rather my excess payment had been distributed in my " best interest '' with a high percentage going towards loans with higher balances and 2 ) I needed to specify if I wanted the excess payment applied to a certain loan. 

The information shared over the phone and what is happening in practice goes directly against information provided on the website. More alarming was the pressure from the service representative to pay-off higher balance loans rather than higher interest rate loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I was never contacted about this. I have received no verification of this. I can not believe that someone can damage my credit like this without talking to me first. I never spoke to anyone nor did I receive any letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was alerted by Capital One on Wednesday, XX/XX/XXXX of suspected fraud to my credit card. The credit card was originally a Cabela 's Visa ( ending XXXX ), however due to the XXXX XXXX XXXX   buy-out, the credit card portion of the company was sold to Capital One. They issued a new Master Card ( ending XXXX ), however they still allowed purchases to be made on the old XXXX Visa, even though it had been ended. 

The fraud was suspected to be {$320.00} from a " XXXX XXXX XXXX ''. No one in my household made that purchase. While looking at this, I observed one purchase for approximately {$100.00} had made it through. I called Capital One on the same day XX/XX/XXXX, XXXX EST, and alerted them to this. I was advised at the time both cards were now cancelled and a new one would be issued, and neither the XXXX Visa nor the XXXX Master Card would work now, and the fraudulent purchases would be resolved. 

Upon looking at my statement today, another fraudulent purchase of {$94.00} was made to the same " XXXX XXXX XXXX ''. The purchase details show the purchase was made on XX/XX/XXXX and posted XX/XX/XXXX, meaning they allowed my card to be fraudulently used A FULL DAY after claiming to cancel it. They are now giving me issues in trying to resolve these purchases and I do not feel they are doing near enough to protect my information. Any help with this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Good morning, On XX/XX/XXXX I received a letter from Transworld Systems , Inc. stating the creditor-XXXX   XXXX XXXX XXXX XX/XX/XXXXXXXX had placed an amount of {$23000.00} for collection and requesting this amount in full. On XX/XX/XXXX the debt for the amount previously mentioned was added to my credit report. On XX/XX/XXXX, I sent a debt validation letter mailed certified asking for proof of the alleged debt. On XX/XX/XXXX I received a response from Transworld Systems , Inc. regarding an account payment history with their office. Transworld Systems also supplied documents of a Loan Request/Credit Agreement with the Lender -- XXXX XXXX XXXX, a note disclosure statement with Lender XXXX XXXX XXXX, and a Loan Payment History Report. None of the supplied documents sent by Transworld Systems , Inc provided proof that XXXX XXXX XXXX XXXX owned the loan from the Lender. On XX/XX/XXXX, XXXX XXXX, XXXX I contacted XXXX XXXX for legal advice by XXXX XXXX XXXX and supplied the Attorney documents of the information sent to me. The Attorney sent a letter on my behalf also requesting for validation. On XX/XX/XXXX I received a letter from from XXXX XXXX XXXX that a letter to Transworld Systems , Inc. has been sent on my behalf requesting for validation and proof of loan ownership. On XX/XX/XXXX. XXXX XXXX XXXX by XXXX XXXX XXXX sent me the response from Transworld Systems , Inc. providing them with the same exact documents sent to me  on XX/XX/XXXX. Again, this does not show proof of ownership of this debt/loan. Documents will be uploaded for review. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
account was removed & was part of Bankrupcy chapter XXXX in 2026 Case #  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 monetary relief