vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
1. I'm not sure when Paypal changed its policy, or if they notified users about the policy change. But I am no longer able to connect my Paypal account with my bank accounts since XX/XX/2020. This directly caused me not able to receive incoming deposits sent by others through Paypal. Paypal should explain why I can no longer use all my previously verified bank accounts. And, why I am not able to verify any new bank accounts either. This sudden disruption without any explanation or warning in advance caused me financial loss since I wasn't able to confirm the pending transfer in the amount of {$9.00}, the incoming transfer eventually was returned to the sender automatically 2. I filed a complaint on XXXX XXXX XXXX   on XX/XX/2020, when filing, XXXX  asked me to provide " contact email " and " account ID associated with the complaint ( PayPal email ) '', I provided both. A month later, XX/XX/2020, Paypal informed me that they can only be contacted from the email address linked to the relevant PayPal account for privacy reasons. Paypal should present the corresponding paragraph from the User Agreement where it says so. Besides, I filed a complaint through XXXX, and it is XXXX  who asked me what email address I want to use as the contact method. Does Paypal 's user agreement also have restraints on what email address a third party or a mediating agency should request from consumers? If so, Paypal should present the related page from the user agreement as well. So far Paypal offered zero answers or solutions to either of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Idaho Housing And Finance Association
State: ID

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX? Rent reported late Mortgage is for {$1000.00} at this time the mortgage was reported late we were selling our home first time home buyers and first time sellers the month of selling we were instructed not to pay or do anything that could effect closing the mortgage was not do at the time anyway and that the mortgage would be paid off the buyer backed out at the last minute and new buyer swooped in to purchase the home i called fha and explained the situation rent day was moving closer and explained to them the situation they said not to worry the mortgage will be paid off and not to worry no late payments will be reported do to the home selling and not interfering with the title company. Then the same year we had sold the home we had seen 2 mortgage late payments for 30 days late That is not supposed to be on there almost 4 years later nobody is helping me get this taken off i tried credit repair to challenge these 2 late payments but they were put back on by XXXX XXXX XXXX XXXX she said she could not help me and not only she put them back on my credit report without letting me know she put them on for 60 days late each account i also never knew this was on my credit report until after i had sold my home almost a year later this is not fair and the dates are wrong aswell when reporting months selling the home

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Columbia Collectors Inc
State: OR

Complaint narrative:
I paid this debt in full after collection and received a paid in full letter from the collection company. The company continues to report an amount due to a credit reporting bureau, even after a dispute was filed and evidence of payment of this debt was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I took out a private loan for XXXX school in XX/XX/XXXX with the loan servicer Navient Private Loan Trust. Recently in the last few years, I became XXXX and I currently receive Social Security XXXX. I applied for XXXX XXXX XXXX XXXX discharge with Navient. I was approved with a physicians statement. Three of my FFEL Stafford Subsidized student loans in which I have a co-signer on were transferred to the co-signers responsibility. There were two other loans in my name only. One loan that was in my name in the amount {$7400.00} of was completely discharged. The other loan in my name in the amount of {$3600.00} wasnt completely discharged. The loan they didnt get completely discharge was waived of all the interest in the amount of {$2300.00} on the loan. However, Navient left a principal balance in the amount of {$1200.00} in which they said Im required to pay. I explained that Im on a fixed income and it is not earned income. Social Security is unearned income. Therefore, my income is {$0.00}. XXXX XXXX, in which I have federal loans with understands when I explained my income situation to them. They applied my {$0.00} income information to my account so that they had it on record. Navient will not apply or even consider the fact that my income is technically {$0.00}. When I asked why I am required to pay my loan that had only the principal balance left without any interest to be accumulated and also interest waived, they said, it just is that way without providing concrete evidence. They said my other loan in my name that was discharged completely was a Smart Option loan and that loan does state if a borrower becomes XXXX and is granted a XXXX XXXX XXXX XXXX discharge, the terms and conditions say it would be granted discharge. I also asked Navient where it states in the terms and conditions of the loan I am required to pay only the principal that a borrower is responsible for paying the loan if granted a XXXX XXXX XXXX XXXX discharge. The customer service representative could not come up with a concrete answer nor provide any evidence to explain. If concrete evidence is not provided or available, then why am I responsible to pay the rest of the loan? Also, on my federal loans with Navient I was not allowed as per customer service to remove my co-signer from my three loans that were instead transferred to the co-signer. If I was to request to be responsible solely without my co-signer, I would be in complete standard repayment for those three loans. I learned you can apply for this removal, but where does it say it can not be granted to the sole borrower and then granted XXXX  discharge due to their application approval? I am very confused and would like this situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I reached out to this company over a month ago asking them to send me the information where I requested this account to be open and I always asked them to send me some paper work so I can dispute it and they haven't done so. But they continue to report the account to the credit bureaus but haven't sent me documentation with me agreeing to the open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted several Disputes about my Inquires on my Equifax credit report, all the inquires were not Authorized by me and I also told Equifax that my information has been compromised and this company has done very little to removed the inquires on my credit report, I have also submitted Documentation of a police report from the XXXX XXXX Police Department to report that someone is trying to use my credit to attain bank accounts and credit cards in my name. The following Inquires need to be removed from my credit report because I did not authorized them. 

XXXX, XXXX XXXX  XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I own XXXX XXXX  and closed one of them. My XXXX XXXX XXXX service was automatically paid from my checking account for the 4 years this particular XXXX  was open. When I closed the XXXX  in XX/XX/XXXX, I contacted XXXX XXXX XXXX, they explained to me that the account would auto bill the last payment, I could keep the equipment as it was paid for long ago. I provided a forwarding address for the last invoice so I would have for my record. I never received any type of documentation from XXXX XXXX XXXX or anyone else. In XX/XX/XXXX I was notified by my credit monitoring service that a collection account hit my credit report. I called the collection agency and found out this account was for XXXX XXXX XXXX for the above referenced account. I immediately called XXXX XXXX XXXX and asked why I received no notification or why this bill did not auto pay, I got that we are not sure why and I will be happy to forward this to supervisor who will call you within 24 hours. I received no call. Called the collection agency ( MRS Associates ) and  explained situation to them, they said they can only remove from credit report if XXXX XXXX XXXX directs them to do so. Called XXXX XXXX XXXX back and spoke to XXXX in the escalations department @ XXXX, she said that they had mailed bills to the old address and that is why I never received a bill, that restaurant was closed. I asked her to remove this from my credit report, she told me they were unable. I have 3 other accounts with XXXX XXXX XXXX and have never been late ( they all auto-pay ), I would not stiff them for {$75.00}. I am asking that this be removed from my credit report as I was never notified there was a balance due.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hi, I have had a small amount of services that I had been using and paying my bills on time. The I have not had any problems with until recently when I was told all my accounts were in collections without any prior notice that I was owing a debt. Will you help me to remove these off of all my public records immediately. 

Best Regards, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was in a area affected by the XXXX. I'm am a XXXX XXXX XXXX, and my main source of income comes from travel across country. From XX/XX/XXXX to XX/XX/XXXX i was abroad, which 30 days I was in XXXX not able to leave the country due to the XXXX XXXX as it was there much earlier and worse than the US. I was scheduled to return back XX/XX/XXXX. Banks were closed and travel was restricted for me and my group and were not allowed to leave my hotel. The internet was not available to access any of my bank information to make payments on any of my bills. Upon finally getting clearance to come home i immediately called each creditor to explain my situation and bring my accounts current. I've yet to have any late payments and this is affecting my credit score to be able to possibly even refinance my home in this time of crisis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have been working on repairing my credit since XX/XX/2019. Last month, when I received a new copy of my report, I noticed an address reporting that is unfamiliar to me. XXXX  is reporting the address as a previous address of mine, and XXXX  is reporting it as my current address. The address reporting is : XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. 
I am not familiar with this address and I have never been to Pennsylvania. I would like for this information to be removed as it is hurting my credit scores. Below I have included letters I sent to XXXX, XXXX  and Equifax asking them to update my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-03-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number ****XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: TN

Complaint narrative:
I signed up for a secured credit card with Capital One and due to an error outside my control my payment did not post and I was kicked out of the program they have for new account holders which states if they pay the first 6 payments on time they would automatically get a credit line increase. I mailed my payment in 2 weeks before the due date and it was never received or posted. I recently signed up for a Quicksilver credit card with them and again same program and I missed a payment because their system said I had already posted a payment. Now they are saying the payment was canceled ( which it was but why their system was saying it wasn't I do not know ) and thus I missed the payment date. I have also been told that canceled payments don't always get canceled, so I was going by what I was told and what their system told me. If I had known this I would have made a payment and not be filing this complaint. I tried twice including speaking to a manager in getting this fixed and they claim they can not fix it. I would like this fixed because it is also going to affect my credit score and my reputation with them because it is showing I was late one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-03-16 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
Hello, This is a follow up to a dispute I submitted XX/XX/XXXX of last year ( XXXX ). The issue was never corrected. I am in the process of refinancing my loan and my lender noticed a 30 day late reporting in XX/XX/XXXX from SLS. Despite receiving a letter from the servicer stating the issue was corrected on XX/XX/XXXX the payment wasn't reapplied until XX/XX/XXXX. My auto pay should of been reinstated in XX/XX/XXXX however it was not completed as my loan was still showing past due. When I was with SLS I had set up bi weekly auto pay. Half of the payment was made on the XX/XX/XXXX of the previous month and the other portion to complete the payment in full was scheduled for the the XX/XX/XXXX of the current month. This was an option offered by one of their representatives. This was set up for several month with out issue until they decided to start applying the payment made on the XX/XX/XXXX to principle causing the loan to report past due. Based on receiving a response to my initial dispute I trusted the issue would of been resolved.Due to this mistake I am now unable to refinance my property at the rate I should qualify for. I called SLS today XX/XX/XXXX and they submitted a request to have the credit reporting corrected but refused to provide me any documentation for me to provide the lender I am trying to go through to refinance my loan. They said it can take up to 30 days for them to complete the request and another 30 days for my credit to reflect the correction. I am requesting SLS take accountability for their error and expedite the process to correct my credit reporting or lower my interest rate to what is being offered from me completing the refi.

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 2020-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number ****XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2020-03-16 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: FL

Complaint narrative:
The accounts is not belong to me or any transaction made by me. Please removed account which I did not open. 
lease investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: AZ

Complaint narrative:
During the month of XX/XX/XXXX, I was contacted by Premier Student Loan Center with information on how to lower my monthly student loan payments. They stated that they were able to forgive my loans because I worked for a nonprofit ( at the time ). The deal was to give them {$600.00} up front to be in the program, then {$30.00} a month for 10 years. 

I just became aware that this company is under a lawsuit as of last XX/XX/XXXX. I have provided information on the lawsuit under this link : XXXX XXXX XXXX

Company response to consumer: Untimely response