vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I was sent to the collection company Fair Collections and Outsourcing for an apartment residence I lived in 3 years ago. I was charged a 2 month penalty fee for leaving a lease early. I paid a debt of {$2900.00} to XXXX XXXX XXXX in the form of a cashiers check that was express delivered with signature required by the USPS on Monday XX/XX/2018. The supportive documentation will show a conversation by myself and the VP of Property Management where they state they will " gladly write me a letter '' to say the balance is paid in full. This shows on my credit report as having this debt and it has prevented me from obtaining an apartment in XXXX where I reside. I am in need of an apartment immediately and I have been told by numerous rental companies that I can not rent without this being resolved. I took the necessary steps to correct this issue but I have not received the letter after several voicemails and emails were placed to XXXX XXXX. I feel this is not fair to punish me for something I have remedied. I can not make this company write me a letter and my only other option is to contact the credit bureau to show proof I have paid this. Please help me to clear this up as it is negatively affecting my current living situation, future, and credibility. Also this credit company FCO calls me approximately twice a day every single day of the week. When will all of this stop? The consequences of this have become detrimental to my life currently. I need something to be done.

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 2018-09-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After a non-responsive form letter in CFPB # XXXX, I am making a new complaint with the intention of getting resolution which they have eluded in previous with an attachment of the requested form, completed and offered as evidence to the XXXX  response and the XXXX of the CFPB authority to the financial institutions they're to be oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
DEAR CFPB : This matter is in regards of a debt collector that uses several phone numbers to contact me. I explain the debt collector that i need the fallowing information : 1 ) verification of the debt. 2 ) tp provide me with names and adresses of the original creditor. 3 ) tp provide me with days, dates, bills, from the original creditor. 4 ) provide me with the policy number on my insurance card. Further more i explain and i spoke with the debt collector male who refused to give me his name. And I told Him : 1 ) DO NOT CALL ME ANY MORE. Its against State and Feral laws. DO NOT CALL. 2 ) DO NOT HARRAS ME ANY MORE.3 )  DO NOT THRETENING ME ANY MORE. Date collector wrote me a letter XX/XX/2018. Date i wrote the collector answering Him : XX/XX/2018. Thank you. Very Truly yours ...

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 2018-09-27 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: NY

Complaint narrative:
Hello, I have been in touch with XXXX on several occasions in regards to repaying my student loans. When I contacted a Consolidation Representative on XX/XX/18, I was informed that my loans were eligible for REPAYE, especially since I am a XXXX XXXX XXXX. I was quoted a repayment amount of {$740.00} for the entire amount that I owe, including Parent Plus loans. I received correspondence from them not too long ago indicating my monthly payments were over {$1800.00}. I called to find out why yesterday. The first representative I spoke to in the early afternoon told me that since I included my parent plus loans in the consolidation, I was ineligible for REPAYE. He offered that the loans could be reviewed and that I could combine mine with my husband 's which would result in a lower payment. My husband contacted XXXX later in the day and was told that this was not possible. I called last night and it being not possible was confirmed by a Supervisor. I was told it can be reviewed since it affects our income and there was a possibility it would change my monthly payments but probably not by much. I was informed during both phone calls that an another option would be to file my taxes separately but can't understand why this was mentioned to me at such a late date. Please keep in mind that I have been contacting XXXX in regards to my extremely high debt since XXXX. The repayment plan they assigned me basically is 20 % of mine and my husband 's income and takes no consideration into our bills, his student loan payments, etc. They advertise options to help people who have difficulty paying but to date it appears the only options are to defer which only incurs more interest and debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my final attempt before legal proceedings. I am reaching out to the credit bureaus because I have this collection account being reported from your company : XXXX three different accounts, I attempted to dispute with the collection company but they are giving me the run around about my account. I asked them to mail verifiable proof to that abides by the guidelines from the FTC they claim they aren't under obligation to send the original contract and they claimed they sent me the paperwork that proves this account is mine. I did not received anything in the mail and the only attachment they sent was the account history. I will reiterate again, THIS ACCOUNT IS NOT MINE. I DID NOT GIVE MY CONSENT TO DO BUSINESS WITH THIS ACCOUNT. I recently checked my credit score and discovered this catastrophe. I believed my identity was compromised and this company is not cooperating with me to help relieved my circumstances. There has been no investigation on my behalf nor did they send me the list of contacts they involved within the investigation. I asked this company to provide AUTHORIZATION CONTRACT, AFFIDAVIT OF CLAIM, ORIGINAL CONTRACT, CUSTODIAN OF CONTRACT, AND ACCOUNT HISTORY. NONE OF THESE DOCUMENTS HAVE BEEN PROVIDED. This company claims they sent the information off I've been in contact with them for almost 30 days and have YET seen any documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Acceptance Corporation
State: AL

Complaint narrative:
Affiliated acceptance Corporation is not following the laws according to the FDCPA and the FCRA.I filed a complaint ( XXXX ) and asked for validation of a debt they claim I owe them. I asked for a contract and they did not provide a contract. They refuse to validate the debt and is in violation.I have not received a dunning letter from them and they have to send a dunning letter giving me the right to dispute the debt. 
the company stated they the billing agency for another company which means they is collecting on a debt. I have never signed a contract with their company.They did not provide proof like I asked in the complaint.where is the contract because you collecting on a false debt? I formally request copy of documents bearing my signature showing that I have a legally binding contractual obligation to pay them and not a billing statement because that is not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2018 I received a notification XXXX XXXXXXXX XXXX XXXX   reported to TransUnion my credit card account was above the credit limit decreasing my score XXXX points. When contacting XXXX XXXX XXXX XXXX the call again is routed outside of the United States which the agent was unable to resolve. Balance is below credit line

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 2018-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: FL

Complaint narrative:
We completed a modification in XXXX due to Hurricane Irma with the first payment due XX/XX/2018. I contacted the servicer Pacific union financial as the recoverable corporate advances had never been satisfied. They stated that it could take a little longer. I allowed some time but now the amount was going up. I had not been late at any time. I kept being told someone will call you. I finally got a young lady on the phone and she advised that they forgot to cover the recording fees for the mod and so they had to charge me for it now. Understandable to be charged but annoyed it was taken care of as was originally explained to me. I then explained that it started at XXXX then went to XXXX then to XXXX back down to XXXX and back up to XXXX and now reflects XXXX. I requested explanation of this as it does not make sense with what she said and requested an accounting of the charges and how funds were applied. I was told that I was disputing and to write in. I cant dispute what I don't know and need help to get this information and possible correction if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: FL

Complaint narrative:
I reached out to all 3 Bureaus Transunion, XXXX, and XXXX in regards to accounts and inquiries that wasnt mine, that I had not auhtorized, I spoke with a lady who told me she would remove the inquiries at transunion by the name of XXXX we went thru the list together and there is nothing done, Ive disputed these accounts to all the bureaus cnothing is being done, you have all these bills on my account tied to addresses i NEVER even lived at, I want something done with this, its not fair that people can just use your information when they feel like it and do what they want with it. I want these accounts and inquiries removed. I filed all reports that needed to be filed. There are 4 collections accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I would liked to get this resolved in a timely fashion.

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 2018-09-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi I have a problem with a online merchant about the service they provide. I filed my dispute with CITI bank, but they believe the evident that I provide are only good for a legal case ( since it's a merchant violation of contract ). Citi bank don't think they can chargeback the merchant for a legal case. In that case. I am writing a complaint here and hopefully I can get some legal documentation to push this dispute to the arbitration. 

Please see attachments I provide below.

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 2018-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: SC

Complaint narrative:
This debt was owed and was with a different collection agency last year. I made arrangements and paid this debt in full, I was promised that it would be off of my credit report within a month of receiving the final payment. I did not hear back from that collection agency, but a few months later I began receiving bills for the same debt but with a different collection agency. I have explained to them that this has been paid, they claim to have no record because they are a different agency, and they still have not corrected their mistake. This debt is paid, and has been paid for months and I can not seem to get this problem solved. Please help me! This new collection company is called AFNI on my credit report and is trying to collect an old paid off XXXX XXXX XXXX bill. Either they are making a mistake or I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal continues to put my withdrawals from my PayPal balance to my confirmed bank account on hold for indefinite periods of time, without any notice as to the time it will take to complete ( or at least a timeline that proves accurate ), with no way for any human at PayPal to resolve it. The money I have in my balance was needed to pay my bills, and now, I will be late paying them, as PayPal has decided to pad their accounts with their users money in an attempt to gain as much interest on their money as possible before deciding, at their sole discretion, when their " security '' checks are done, sending the users ' money to their account. 

A call to PayPal lead to poor customer service, and upon asking for a manager, I was put on hold for nearly 45 minutes to wait for a manager, who pointed towards an obscure part of their user agreement as reasoning for this, and that no human can/does actually review the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2017 I tried to get my equifax report, and I was unable to gain access

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
Fraud charge from my XXXX  credit card to PayPal XXXX for {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX of 2018 reached out to Navient student loans to claim financial hardship and have my loans lowered for as long as they would allow. Send all documentation to them and was approved, same day, for a payment of {$370.00}. My usual payment was {$540.00}. At this time I was told I need to sign up for automatic payments which I agreed to come out the XXXX of each month. XX/XX/XXXX the first payment came out for {$370.00} but with a remaining owed balance of {$170.00}. When I called in I spoke with someone who told me that once the payment clears the amount would default to the {$370.00} for a year as I was told in XXXX. This did not happen. As of today, XX/XX/18, my account is showing past due for {$170.00} and owing {$540.00} due in XXXX. When I called in I spoke with 2 agents and finally a manager.  They all spoke to me as this issue was my problem and simply stated that I was told the incorrect amount for the program and I needed to pay {$75.00} to bring the amount current for a total program amount of {$440.00}. When I asked why Im not able to pay {$370.00} they respected very rudely that I wasnt approved for the amount because I made no payment of {$370.00} in XXXX to secure that agreement. I paid {$540.00} in XXXX PRIOR to my due date as I always have. Both agents and the manager continued to speak over me, wouldnt give me any information in a letter or statement and said they promise the payment would be {$440.00} going forward. When I asked for a statement declaring this they said to look in the mail some time in XXXX. Nothing further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ZINC Financial, Inc.,
State: OH

Complaint narrative:
I have recently obtained a loan using the title of a property I owe ( paid cash ) to purchase another property. Late on XXXX I received a statement regarding delinquent taxes. I contacted Zinc Financial and also the title company, XXXX XXXX XXXX  regarding this issue, and either one, is taking ownership to resolve this issue. Is the mean time, the delinquent has increased to {$480.00}.

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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am having problems with Equifax when my lender pulled my tri-merge ( all three reports ) Equifax indicates there is a Hit Level : Suppressed. I contacted Equifax yesterday to get this resolved and they said they did not suppress my report, they did not freeze the report etc., I was on the phone with them in total for over 2+ hours explained I could send them a copy of the report indicating they are suppressing it. I can not get anywhere with this company and my lender can not pull a true report without Equifax sending the information. This is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I traveled to XXXX XXXX XXXX on XX/XX/XXXX for a festival i goto every year at the same time and I always put the travel notification on my Chase account so I can use my card while in XXXX. On the evening of XX/XX/XXXX i logged onto my chase online account to see 2 charges one for {$2000.00} and the other for {$600.00} at XXXX XXXX in Washinton which was not charged by me and is definitely not authorized. i called Chase to report the fraudulent activity as the card was still in my possession. The funds were credited back while the claims department investigated the claim. A few weeks later I noticed that the money was once again taken out of my account when I called Chase on XX/XX/XXXX I was told by one of the claims specialists that it seems a card skimmer was used and he would reopen the claim. I went into a branch on XX/XX/XXXX and was told that my claim is dismissed because my 4 digit pin was used on the fraudulent charge. I have never been to Washington state and it seems the purchases were made as cashback at a supermarket. If you review my transactions on my Chase account I made a purchase at XXXX XXXX in the XXXX XXXX which is located in downtown XXXX using my card as it was a chip purchase the fraudulent charge was made 2 hours later in Washington which is impossible for me to travel from XXXX to Washington by plane its a 5 plus hour flight. I have XXXX  statements to show my trip to XXXX, XXXX trips, and purchases I made while in XXXX. Chase has told me there is nothing they can do for me but it seems like my claim was not investigated or investigated incorrectly. I feel as if Chase who I have banked with since XXXX and never had an issue is not even taking the time to look into my situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am behind in my private student loan serviced by Navient. I am in the process of working with an attorney to file for bankruptcy. They still continue to call me every day starting at XXXX and continuing to call every hour up until XXXX, including weekends. Most of the time if I answer they hang up on me immediately. This is disrupting both my work life and my home life.

Company response to consumer: Closed with explanation