vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My husband, XXXX XXXX, and I leased a XXXX XXXX XXXX from XXXX XXXX in XXXX, OH on or about XX/XX/XXXX. This was a two year lease, expiring on XX/XX/XXXX, so we traded it in to XXXX XXXX on XX/XX/XXXX in exchange for a XXXX XXXX XXXX. We made our last payment for the XXXX on XX/XX/XXXX, and paid the amount owed for the XXXX at trade in ( see the bank statements, attached ). 

On or about XX/XX/XXXX, we received a bill from XXXX XXXX for payments on the XXXX allegedly owed in XXXX and XXXX of that year. We contacted our salesman at XXXX, sent in the vehicle return receipt to XXXX XXXX, and believed that the dealership and XXXX XXXX had worked things out. We didnt receive any more bills after that. 

As you will see from my attached letter, they had not resolved this billing issue, and our credit scores dropped approximately 50 points over the XXXX holiday. I filed a dispute with Equifax in XXXX of XXXX. The balance was changed to {$XXXX}, but issues remained. 

Ultimately, I filed a second dispute in XXXX since our scores did not recover, and I still had late payment status showing on my credit report ( attached ). 

This dispute was not corrected, and this issue became known in the course of applying for a home equity line of credit from XXXX XXXX this week ( also attached ). I contacted Equifax today, they confirmed that these amounts were past due, and they ultimately sent me to XXXX XXXX. XXXX XXXX Loss Prevention rep ( XXXX ) reviewed my account, confirmed that they were still looking for these two payments, and directed me to the dealership. My question to both was how is it possible that we could owe payments on a vehicle that was in legal possession of the manufacturers dealership/ financial arm? I had sent both parties evidence of our non-possession of the XXXX in XXXX, yet this report stood. In both cases, the parties pointed me elsewhere. XXXX was unwilling or unable to help me beyond that point. 

I then left a message for the general manager at XXXX XXXX hours ago, with no response so far. 

Please help. At no point did any of these companies take any accountability regarding this mistake that one of these parties made, and it is negatively impacting us, despite our best efforts to be as fiscally responsible as possible. 

Thank you so much for reading this complaint. If you have any questions, please call. XXXX. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My compliant is against Chase Account # XXXX, open XX/XX/2016, status closed and paid, {$XXXX} balance. Back on the XXXX of XXXX I sent a letter to the mention company that the account had fraud charges and had to be removed as required by the Fair Credit Reporting Act. This company not even took the decency of marking or investigating my account once they received my dispute letter. They did not only disregard my letter but also a Federal Trade Commission Report that was included with the letter. I want my financial freedom back and if this company does not remove fraud related account from all 3 credit bureaus and provides me with deletion letter trough CFPB, I will take this case to court and let the judge decide this dispute. This is unfair business practices, negligence, and the list of violations can go on once I seat down with my lawyers. So Im using the CFPB as my last resource for the mentioned company to remove account from all 3 reports. Im attaching the letter I sent to them, the FTC report sent to them and also proof of fax that receive the documents. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 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: MS

Complaint narrative:
Experian ran a credit check on me in connection with a loan and found one late payment on a XXXX XXXX XXXX account. I have never had a XXXX  XXXX XXXX account, but in respons to my challenge, Experian merely stated that XXXX XXXX XXXX confirmed that the account was mine. Experian provided no facts in support of their contention, provide no documents that would even suggest that I had an account with XXXX, and presumably, they did not because XXXX  XXXX XXXX gave them none. Instead, Experian mindlessly mouthed what XXXX had told them. I repeat : I have never had an account with XXXX. The Dispute Results Report # is XXXX. These Experian people are pathetically inept, and when talking with them, they will tell you anything to get rid of you and then do nothing.

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 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I saw on my credit report with a collections from a CACH LLC Resurgent Cap in the amount of XXXX with this acct XXXX I asked them for proof because Ive never had a loan with them nor a MasterCard on XX/XX/2015. Ive exhausted all ways to rectify the situation including asking for proof and again never received anything. So it sits on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
They locked my account. It has been locked for 2-3 months now. I have submitted at lease a dozen inquiries and have only received the automatic email responses. No action or dialogue has been generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I purchased damaged grille on XX/XX/20 from an XXXX seller XXXX. This item didnt meet my expectations so looked up the listing and saw that seller accepts the returns and they were advertised as free. I send the request to return the item and received return label in the email. I shipped it back and waited another 2 weeks for refund. 
Unfortunately I got scammed by this seller. This seller didnt refund me fully. He refunded me only {$70.00} out of {$100.00} ( 100 plus tax ; so-in the end I paid tax on this return, tax on my money seller didnt give me back ). 
I disputed this twice on paypal. First time the dispute was not done correctly and the outcome was rejection due to seller already refunding ( but he refunded partially instead of fully ). Second time I received response form paypal that case is closed due to insufficient documents and inability to get them. Paypal never asked me for more documents and documents I submitted, disregarded ( it was picture of XXXX website stating that seller has to refund fully ). I contacted XXXX and they told me that if I didnt open case on pypal I would get full refund from XXXX. Another thing that makes me wonder id why paypal never refunded to the original payment source but to balance. To protect themselves? 

If paypal has no clue /ability or willingness to properly investigate then they should not manage others people finances. Who controls what they do and whether it is fair and legal? 
Since I was not able to resolve this issue with both companies. I decided I will ask my bank for help and asked for charge back. Hopefully it will not cause my account limitation or the seizing funds from sales I make. Who can I ask for help? Why paypal favors certain seller and dislikes others making decisions in their favor? 

I left this seller negative feedback to warn others that stated seller refunded XXXX out of XXXX and XXXX took this feedback down to protect this scammer. Why?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES
State: CA

Complaint narrative:
Good morning, I am disputing the 90 day past due noticed with Great Lakes the loan provider for my student loans. I am current with my loans and was going through the Income Driven Repayment Plan process due to a change in income and the amount of the payments had increased to approximately {$660.00}, between one year of IDR to this new year. I would like to have the 90 day past due amount corrected on XXXX, XXXX, and XXXX consumer reports. Great Lakes stated that they have sent the update to the three companies, although at this time I do not see any change. I am on the Income Driven Repayment payment option and my next payment is due in XXXX. 

I look forward to correcting the 90 day past due amount and moving forward with the adjustment on my credit report. Thank you very much for your time and assistance. This is truly important to me and my family as we build toward our future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I have been paying on my student loan debt since XXXX and have seen a XXXX loan turn into XXXX. 
Through raising XXXX children, 3 work layoffs, and XXXX XXXX I have managed to pay and keep in good standing with my debt. I asked for help managing my loans first when they were with Salley Mae then Navient. I have begged for help as my loan keeps increasing. I found out last year ( XXXX ) from Navient that I was not on a program for the public forgiveness. I was upset but they switched me to another program and said I was on the right program. After thinking I Spent 8 years working for a nonprofit I was getting close and then started over. Well now I have been told ( XX/XX/XXXX ) I am not on a forgiveness program again. So thinking I had a year down now they are telling me I have to consolidate and apply with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: GA

Complaint narrative:
This letter is regarding account you claim I owe {$660.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also 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 request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Syncb/Amazon has taken a hard inquiry on my credit. I am unaware of applying for any new credit cards, or anything that would allow a company to check my score. I dont know what the inquiry is for.

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 2019-09-24 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:
TransUnion is reporting a XXXX XXXX account # XXXX that is not mine. I have contacted XXXX XXXX and they have provided me a letter of relief from any responsibility. XXXX XXXX has also stated that they have sent multiple notifications to TransUnion. I have filed multiple disputes with TransUnion and they have failed to investigate properly and continue to report this account. TransUnion is Illegally reporting this information.

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 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I have disputed and BOTH CREDENCE RESOURCE MANAGEMENT IS REPORTING FALSE INFORMATION TO MY CREDIT REPORT AND REFUSES TO PROVE THESE ACCOUNTS BELONG TO ME! I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) I have attached police report and identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
We have had a VA Loan through PennyMac since XXXX. In XX/XX/XXXX, I received notice that our monthly payment increased from {$1300.00} to {$2300.00} due to an increase in property taxes and homeowners insurance. I called and they suggested submitting for a Mortgage Assistance program that would reduce the payment and bring the loan up to date. I submitted the application on line including the documents requested in late XXXX and was told to continue to pay the {$1300.00} until the Mortgage Assistance is approved or denied. I then called my insurance and changed the homeowner 's insurance which brought the payment down to a little over {$1800.00}. However, I did not hear anything about the Mortgage assistance, and then received a demand for payment for {$2200.00} as I was behind in payments. I called PennyMac about the situation. and was told the mortgage assistance had been denied and we needed to bring the account current as we were behind since XX/XX/XXXX. The denial was based on incomplete documents as they requested a XXXX and never received it. I had submitted in on line thru their web site. I was never notified of the denial. I brought the account current and was told the Mortgage assistance was not needed as the account is current. Further review of the latest bill indicated the amount in Escrow was over {$7000.00} and the monthly amount put in escrow is {$620.00} out of the payment. I called on this situation as the taxes and insurance totals around {$4000.00} per year. I was told that they had paid the taxes and insurance and they were being paid back for last year and this year. They gave me no further information. 
I am wondering why there is so much being taken out of each payment and being put in Escrow as they should have been taking the taxes and insurance out since the Loan was initiated. I have never received a delinquent notice from the County or the insurance company. I understand PennyMac can only take about XXXX to XXXX of what they paid out last year for Escrow purposes. This is obviously much more than that and more than what is owed. That is the purpose of this complaint, that they may be illegally be taking money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dispute filed in XX/XX/2019. 

Synchrony Bank Mastercard gave a temporary credit while they investigated. In the meanwhile, I returned the item. It was verified returned on XX/XX/19 by XXXX ( XXXX XXXX ) at XXXX x XXXX. He was unable to refund because Synchrony Bank Mastercard still had a dispute noted. He said he'd do a 3-way call but couldn't because the Synchrony Bank Mastercard dispute line was full and continues to be full even when their own supervisors have tried to help me connect. You can't get through. 

The dispute number to call imessage is mailbox full! Called 2 Synchrony Bank customer service supervisors on XX/XX/19 and XX/XX/19 ) and they were also unable to access the dispute center at XXXX. 

This charge is {$190.00} for 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 2019-09-24 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:
Experian is reporting a XXXX XXXX account # XXXX that is not mine. I have contacted XXXX XXXX and they have provided me a letter of relief from any responsibility. XXXX XXXX has also stated that they have sent multiple notifications to Experian. I have filed multiple disputes with Experian and they have failed to investigate properly and continue to report this account. Experian is Illegally reporting this information.

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 2019-09-24 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:
Equifax is reporting a XXXX XXXX account # XXXX that is not mine. I have contacted XXXX XXXX and they have provided me a letter of relief from any responsibility. XXXX XXXX has also stated that they have sent multiple notifications to Equifax. I have filed multiple disputes with Equifax and they have failed to investigate properly and continue to report this account. Equifax is Illegally reporting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am guaranteed tuition by the v.a but was instructed to take out loans because the va pays after the drop date. I now am stuck with over 100k in loans despite both schools knowing that my tuition was guaranteed and still being instructed by admin to take out loans so I would not be dropped from the roster. now I am unable to get the servicers to put me on an income based repayment plan ; they keep putting me in forbearance despite my repeated request for an income based plan. I am XXXX XXXX XXXX on veterans XXXX. I am a XXXX XXXX XXXX XXXX and unable to understand how this predatory practice was able to go unnoticed by either institution. I am not able to move my family forward due to the overwhelming total that is my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
There is comingling of funds and this is a nightmare. XXXX XXXX is not really the same person that XXXX XXXX. They have different social security numbers. XXXX XXXX is not obligated to nor have privi on XXXX XXXX and XXXX XXXX 's mortgage, it appears they had a line of credit on top of the mortgage but we are not sure. That is the only explanation our loan is XXXX and theirs is XXXX as said in court

Company response to consumer: Closed with explanation