vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
blue bird american express on XX/XX/2020 credited money to my account for a refund then removed it and put the refund on hold that company has done this before without explanation this is fraud!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I was in school and did not graduate until XX/XX/XXXX. For reasons I am unaware of my University had me listed as graduating in XX/XX/XXXX. This created 30 day lates on all of my student loans and ruined my credit. I have since contacted the University and have received evidence I was in school and sent this to all of my student loans and all of the late pays have been corrected except Nelnet. Nelnet has refused to remove the late pays, even though they have received the same information I submitted to all of my other Student Loan Companies. How can this documentation provided be sufficient for my other student loans, but not this one? I  have never had a 30 day late in over 14 years of credit history. It is clear to me I can pay my debts on time. This situation has taken over 6 months now to be corrected and needs to be fixed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi I used PayPal on XX/XX/XXXX to receive funds from a buyer for some furniture that I was selling. The buyer sent the funds to my PayPal account XX/XX/2020 Payment from " Buyer name removed ''. PayPal has held the money stating that the amount of money sent to me was unusual for the sender. That said, they have had twenty days to contact the sender to verify that the sender had intended to send the money. They have done nothing and have not released the funds to me. 

They are totally unresponsive through the PayPal customer chat service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-03-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Received private loan in XXXX. Graduated XXXX. Paid payments on loan and was in good standing. Filed bankruptcy XX/XX/XXXX. Last payment made was XX/XX/XXXX. Bankruptcy ended XX/XX/XXXX. When buying my home default loan showed on my credit report. Contacted agency who stated I had not made my payments and was unwilling to negotiate for reasonable settlement. Explained that I had filed bankruptcy and during that time I am not required to pay on student loans. Still unwilling to remove from default. Agency filed suit XX/XX/XXXX. Summons was sent to old address even though I had notified them of my new address when I contacted them earlier in the year. Finally received a summons that I did respond to timely stating that statute of limitations had expired of 6 years and asked case be dismissed due to this. Agency responded that my last payment was made in XX/XX/XXXX which you can clear see is untrue in their " exhibits '' and that it was XX/XX/XXXX. They filed suit XX/XX/XXXX which exceeds the limit. All further documentation from related to the case was again sent to my old address to include the order to garnish my wages even though my correct address was on all legal documents filed. I was not aware of garnishment or order to appear until today when my check was significantly lower. When reviewing documents on IN court filings I found all the documentation regarding this information. I was not given a chance to appear nor was I properly notified of garnishment and this case should have never been filed due to IN statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Adjustments Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, I was contacted by Credit Adjustment , Inc about a medical debt. I stated that I had not received any written communication detailing the debt I supposedly owed. She told me a letter was sent. I let them know I would like to review the letter, look into the validity of the debt, and would contact them next week. I asked them to please stop repeatedly calling my phone in the meantime. I was told that this is their process and they can note the account but would keep calling me. I informed them that I had rights to not be harassed and to receive my communications via mail. She told me they would not oblige. I asked for her name and she refused to give it to me and wanted me to speak to her supervisor. I informed her that there was no reason to talk to a supervisor, that I wanted to know her name, and that I would be filing a report. She refused and stated she would note my account, but would still continue to call.

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 2020-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Starting on XX/XX/XXXX, I've been receiving daily calls from the caller ID " Portfolio Rcvry '' ( a.k.a. Portfolio Recovery Associates ). The phone numbers and cities associated to Portfolio Rcvry are always different every time they've called me, I've never received a validation notice in the mail, and I can verify that my credit report and score do not show any owed debt -- this leads me to believe that this is a scam, and as a result, I've never picked up the phone when they've called. 

However for the first time, one of their employees who claimed their name is " XXXX XXXX '' left a voicemail message on XX/XX/XXXX at XXXX XXXX  PST saying the following : " Good afternoon, this is XXXX XXXX, and I have an important message from XXXX XXXX XXXX . ' This is a call from a debt collector. Please call XXXX. '' I would like for this company to stop calling me as it's harassment and I have no owed debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$950.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$55.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$1800.00} In good standing XXXX XXXX XXXX XXXX XXXX  Reported :XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX{$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1500.00} Closed XXXX  XXXX, XXXX. 
Reported : XX/XX/XXXX {$950.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX Reported :XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX   Reported :XX/XX/XXXX {$0.00}

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 2020-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a Best Buy credit card issued by Cicibank, N.A. The problem I have is that after I opened the account they refuse to give me information or access to my account. This puts me at risk because I am not able to monitor or manage my account. I have contacted them on three occasions and they will not give me access to my account because it has not been verified. They are unable to verify my account because I have not received a letter from their consumer protection department with a code. I asked them what address they are sending it to and they will not tell me. I get the statements in the mail but they are not sending the verification letter to the same address. I asked why they used a different address than what I gave them when I opened the account and they said they used the address that was public record. This also puts me at even more risk because they are sending a letter to verify the account to someone else and they are the ones that decided to do so on their own. They also are using my wifes cell number as the main account contact which further confuses the issue. The funny thing is, I never gave them that number. The only thing I can think of is that they are using old information from when we used to have an account 4-5 years ago with them. 

I mailed a check to pay the amount in full last month so I could be rid of their nonsensical shenanigans but they will not close the account for me without verification. Credit score be damned, I am closing this account no matter what.

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
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax has been reporting the XXXX  private loan on my credit report for a number of years. I filed a dispute claim in XX/XX/XXXX and was never made aware of the results. At which time I reached out to XXXX   by phone and by email trying to get the loan off my credit because of the scandal they were involved in with XXXX XXXX XXXX. I never received an email or call back concerning this matter. Their reporting almost did not allow me to purchase a home for my family. Now I am being relocated for my job and I have to deal with this again. Equifax keeps reporting the XXXX loan. I disputed the loan in XX/XX/XXXX and they reported the findings as accurate and that was all that was said. I tried to contact XXXX  again with no response to inquiry about my account. The XXXX website even states about forgiving the XXXX XXXX loans and I have filled out the forms for that twice and have yet to get any response. Both in XXXX and again in XXXX. Their reporting is doing irreparable damage to my credit report and not allowing me to obtain funding for housing, so that I can move to my new job location in another state. Every time I pull my credit report this loan does not show up on the report. However, every time a creditor pulls my report it shows up every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have filed a dispute in regards to the student loan reporting late payments. It was never rectified after investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I have made contact with MRS XX/XX/XXXX to inform them I have never taken out a loan with a company. I have also asked for copy of the application and drivers license to the loan application and was informed no information was available and the account was reported Fraud and was removed from all 3 credit bureaus. 

I have spoken with XXXX  on XX/XX/XXXX to get information from the documents to allow this file to be reported and have been informed there is no documents attached to the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
We have a construction Loan with FlagStar Bank ( XXXX XXXX  ) for an interest only construction loan to build our house. It's an " all-in-one '' close loan that turns into a 30 year mortgage at the end of the construction project. Our current builder/contractor is demanding {$30000.00} OVER our contract ( with him ) to get OFF of our project after refusing to finish it and after abandoning our project FIVE months ago. He has demanded that the bank reserve the near {$30000.00} of our construction loan for HIM and the BANK, although receiving interest payments monthly from us, will NOT allow us to sub in another contractor to complete our project until we 'settle ' our matter with the current contractor. We feel that the bank is unjustly enriching themselves at our expense by NOT allowing us to exercise our right to complete our home as soon as possible. The bank says " we don't get involved '' ; however, they are STOPPING us from completing our home. This is very unfair. Our CONTRACT with FlagStar Bank does NOT allow " change orders '' without BANK approval ; however, the contractor DID just that : he did work on the house then attempted to BILL US outside of the contract for changes we did NOT approve. NOW the bank is allowing 'him ' to hold up our build. He has NO change orders signed by us for the work he is telling the bank that he MUST be paid for by XX/XX/2020, or HE will file liens against the property. He informed the bank in writing on XX/XX/2020, that he will NOT be completing the project. The bank NEVER even informed US of this ; nor did they assist us by offering to take control of the project WHEN the contractor stated he was NOT going to finish. How is this ok??

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 2020-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
They repossessed my car, which they had the right to do so since I was in the V.A. Hospital for an elongated period. The problem I have with them, when they repossessed the car, they broke the law in the process. 
They broke into my mailbox ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) and took a piece of mail from my school ( pictures enclosed ). My neighbor saw a young heavy-set black female breaking into my mailbox. My neighbor asked, what are you doing? She lied and said I was her uncle, and I had misplaced my key. 
Later when I came home, the woman who fits that description walked up to me and asked my name. I asked why. She lied and said the mailman put my one-piece of mail on her door, and she is returning the letter to me. The same letter she stole earlier. 
The mailboxes are in the front of the complex. The mailman doesn't put our mail on the door. A couple of hours later, my car got repossessed. It is a classic case of false statements and false representations. The next day I noticed my mailbox lock was broken. My mail was all over the parking lot. 
I called Nissan regarding this issue and the gentleman who answered told me you people never pay you all bills. You people! That is a XXXX connotation the slave owners used to degrade slaves. I am an XXXX XXXX Veteran who fought for this country. I am a XXXX XXXX XXXX XXXX, and Nissan Financial is treating me like the lowest scum on this earth. I think not. 
I have many personal items in the car, including my bookbag, my laptop, tools, and clothes. All they had to do is knock on the door. I don't expect them to act honorably once notified. 
Nissan Corporation and the repo company is complicity to defrauded, deceived, and duped consumers under the guise of unflinching XXXX discrimination. Nissan has betrayed the public trust. They keep giving me the run around regarding my items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXXXXXX XXXX Reported :XX/XX/XXXX {$950.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$55.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$1800.00} In good standing XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1500.00} Closed XXXX  XXXX, XXXX. 
Reported : XX/XX/XXXX {$950.00} Closed XXXX/XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XX/XX/XXXX {$1500.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1600.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX XXXX XXXX Reported :XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX   Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported :XX/XX/XXXX {$1500.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1600.00} Closed XXXX  XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} Closed XXXX  XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX   Reported : XX/XX/XXXX {$0.00}

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