vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
XXXX XXXX Representative, XXXX XXXX, has been making harassing phone calls to my co-workers, supervisor, and myself at work. I have sent two cease and desist letters in regards to the harassing phone calls and asking XXXX XXXX representatives only to contact me by mail. Additionally, I have a receipt from USPS certified mail detailing they received the cease and desist letter. I was out from work when my supervisor contacted me on XX/XX/18 stating XXXX XXXX had been calling and leaving messages with my co-workers in regards to my student loan. I received another call from XXXX   XXXX on XX/XX/18, where I told him not to call me at my job, and hung up the phone. I am within my legal right to have all correspondence be through mail, but XXXX XXXX refuses to cooperate with the law and cease harassing me. Additionally, XXXX XXXX refuses to contact me with any detailed information in regards to my account by mail. However, XXXX XXXX 's representatives are all too willing to share my personal information with co-workers, supervisors, and unauthorized family and friends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: MD

Complaint narrative:
For over a 5 year period I've been making payments on a student loan that I'm unaware if the payments are credited to the outstanding balance. Also, on several occasions I requested statements of the balance, however, I received no documentation stating an accurate account of interest, balance and terms. 

My loan was sold to Navient, when I was employed as a school teacher and I was in a forgiveness program ; however, after my loan was sold, the loan was no longer recognized in the program, the interest and debt owed, was increased to the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I called PayPay on XX/XX/2018 to ask about my APR. I was told that my APR is 25 %. The last time I checked it was 19 %. I asked why PayPal had increased my APR as I am a good customer, not late with payments, not missing any payments, and was told that PayPal changed banks in XX/XX/2018 and due to this change they increased their rates. I then asked how I can get my APR lowered and was told there is NO WAY to lower this rate. I'm shocked that since I have been on time with payments, usually making extra payments and never missing a payment, that I would have my rate raised and not be able to lower it..ever! I suggest that everyone who has a line of credit with ayPal check to see what or how much their rate went up. This is robbery!

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 2018-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Uber Technologies Inc.
State: GA

Complaint narrative:
I never had a Uber account and now when I try to sign up for a Uber account it won't let me. My cell phone number is XXXX. It is highly unfair to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Paid off Vehicle in-full at Bank Branch in Maryland more than 45 days ago, and called Customer Service 20+ Times over the same time span. Consistently receive different information that the " Lien Release '' has already been mailed, that it was already processed, that it's never been processed, etc. Considering contacting state Attorney General since PNC is likely operating outside of legal limitations to release Lien after Vehicle has been fully paid off!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A collection agency has garnished my pay. I did not receive any notice of this lawsuit. This is for a very old credit card that I paid & closed 12 or more years ago. It was a credit card with a {$300.00} credit limit from XXXX XXXX, which is no longer in business. The claim I had a debt of over {$2600.00}. I paid the small balance and closed the accouint many years ago. This is not a valid debt plus I was not notified. They have already taken over {$800.00} from me. I do not know what to do at this point. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
The western union service was installed in my agency but it was never fully operational, so no transfer of money was ever made. 
Western union tried to fix it twice but could not fix it. 
The person who installed the system told me that someone would contact me to fix the problem and it was not until after 3 weeks that someone contacted me to supposedly repair the system. That person who called me had confidential information about my account and knew that my account was not operational. He asked me to do some things on the computer to fix the problem. 3 days later I received an email indicating that I owed western union XXXX $ Someone made 7 money transfers from my account. whoever did it could enter to the main platform of western union or work for western union since it is the only way to modify the activity schedule of the account. ( XXXX to XXXX ) All transfers were made at unauthorized times ( from 7:31 pm ) I contacted the western union fraud number and they took my complaint, but nothing else. Days later they started to pressure me to pay them without even having an investigation of my case. 
Now they sent the case to the collection company ( XXXX XXXX XXXX XXXX ) and they threaten to affect my credit record. 
I tried several times to resolve the case with western union staff and there was no response. 

Companies involved : WESTERN UNION and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: IL

Complaint narrative:
I was looking over my credit report and I received a notification on XX/XX/2018 from " XXXX XXXX '' attempting to collect a debt of {$360.00}. The original creditor name is XXXX. My closing statement is I have no knowledge of this account what so ever and where it came from. It would be appreciative to have this negative item removed because its effecting my credit history. Thank you. Also, I have another complaint against another collection agency by the name of " enhanced recovery collection '' who on XX/XX/2018, also is trying to attempt to collect a debt of {$760.00}. The original creditor is XXXX. Prior to this collection there was a previous collection with the same creditor ( XXXX ) by the name of XXXX XXXX with the balance of {$760.00} and it was later removed in XX/XX/2018. I would also like for enhanced recovery collection to be deleted immediately. This is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Nelnet is misleading consumers regarding how excess loan payments are allocated. In XX/XX/XXXX, I learned that Nelnet had grouped two different loans ( different dates of origination and different interest rates ) so that my excess payments were misapplied. Nelnet had to " redisclose '' the lower interest rate loan, and as a result, I had to either ( 1 ) pay an extra {$300.00} a month ( in addition to my regular monthly payments ) to continue to make payments on my loan that were paid in advance or ( 2 ) make no payments on the loans paid in advance until they became due.

In addition, when I had them ungrouped, I gave special instructions to Nelnet that I wanted all payments in excess of my minimum payment to be allocated to the highest interest rate loan. I reviewed my account today and, with the payments having been inappropriately allocated in spite of my many calls to Nelnet, I once again called. They told me that the Nelnet policy was to apply excess payments to " the highest interest rate loans with the largest loan balance. '' In reality, they were allocating my payment to apply my excess payments to the lowest interest rate loan because it had the largest principal balance. They also had changed my autodebit amount ( again ) without my permission because, per customer service, FEMA issued a disaster declaration for my area and mandates that all loans be put in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Well there are closed paid accounts that should not be still on my credit report at all some keep re appearing and wont go away I dont owe on them so they should have be Removed off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
In our Defense we never received any legal document by law that we had a judgement on us. We don't know what this is about, and we need a investigation on this Corporation. 
Our Checking account was garnish without any legal documents about courts. There is no paper trail on this account. As we investigation this account we found out this company are doing malice on the Corporation of XXXX @ XXXX. MANDARICH LAW GROUP , LLP has taken out funds out of out account with out NO court papers. 
As a community Advocate I need legal documents of how a Corporation can do malice with out no notification of legal documents, and stealing {$2500.00} from checking account. and XXXX XXXX from Taxes. 
WE need documents please, Thank you for reading this. 
We have informed our Congregation about this Corporation, MANDARICH LAW GROUP , LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: MD

Complaint narrative:
On XX/XX/18- on my desktop computer, I went to the XXXX website to pull my free credit reports for Equifax , XXXX & XXXX . I keyed in my information, name, SSN, birthdate, address. I was able to get a XXXX & XXXX credit report in my name. 

However my Equifax report was someone else 's report. The last 4 of his SSN did not match mine. I have all his credit information. I have his birthdate, his address and all his credit information. It does not appear to be a mixed file. That is not my information at all. 

I am upset that I have this information because if this has happened to me, who has seen my credit report? I called Equifax on Sunday @ XXXX. They told me to call back on Monday to a different department & gave me the number. The number was the main number and not a specific department ( I didn't realize this until I called it on Monday ). I call back on Monday XX/XX/2018 @ XXXX. I get XXXX in the XXXX. He said the systems are updating and that I have to call back in 30 minutes. I asked if Equifax had been breached and he said no. 

I call back 90 mins later ( @ XXXX ), I get another phone rep who repeats the same thing ( word for word ) that XXXX said earlier- the systems are updating. I ask to speak to the manager. She gets on the phone and states that they are experiencing an emergency system update. I asked again if they were breached and she said no. She said that I had to print this credit report out & snail mail it back to Equifax. Come again? I offered to provide the report confirmation number- but she didn't want that. She wanted my SSN, I did not get this information to her. 

I don't trust Equifax at this point. Is this known occurrence to get someone else 's credit report? The Equifax people I talked to did not seem concerned and that has made all of this worse. I am very upset my these events. I am increasingly worried about fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: TN

Complaint narrative:
I am a victim of identity theft and I am intending to sue. I have sent in over the past few months, a copy of my police report and identity theft affidavit as required by law to remove these fraudulent accounts which were opened by a thief. You are required by FCRA laws to block these fraudulent accounts within 4 days. Equifax and Experian Credit Bureau are still in violation of the FCRA laws by reporting these fraudulent accounts on her profile. 
The law is very clear as to the Civil liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intent on pursuing litigation in this matter to enforce my rights under the FCRA.

Under section 609 ( e ) of the FCRA, a victim of identity theft is entitled to the above referenced documents without a subpoena. 

1 ) XXXX XXXX, Acct. # : XXXX Unverified Account 2 ) Medical, Acct. # : XXXX Identity Theft Account 3 ) Medical, Acct. # : XXXX Identity Theft Account 4 ) Medical, Acct. # : XXXX Identity Theft Account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: FL

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XX/XX/XXXX and in XX/XX/XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that my XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, XXXX and Equifax. Any question can call XXXX XXXX XXXX at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: LA

Complaint narrative:
I was recently scammed by someone claiming to be a representative of XXXX. I was told to purchase both XXXX and XXXX XXXX cards in order to unlock my XXXX ID that I was having trouble with. Shortly after providing the information, it became clear that I was being scammed. I contacted XXXX immediately thinking that they could reverse the credit back onto the cards so I can get some of my money back but they indicated that they could not. They have to come up with a better way to help people like me. 

My bank is unable to reverse the charges because I technically did make the purchase at the store but certainly XXXX should be culpable for fraud they're permitting to occur.

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 2018-10-22 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: GA

Complaint narrative:
" " '' I have disputed this Bankruptcy : Discharged CH-XXXX XXXX for months.XXXX and XXXX   have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: WA

Complaint narrative:
Companies- Experian/XXXX. Account.XXXX. Reporting inaccurate information on my credit report since XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX XXXX . Please remove this inaccurate item from my Credit Report as soon as possible if you have no proper reinvestigation proof. Thank you

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 2018-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: CA

Complaint narrative:
I just recently uncovered a payment protection plan with my long held Discover card. I found out through an article outlining all the trouble the Discover card had with this plan. People were signed up without their permission. Like us. 

My wife and I never signed up for this added plan. On the phone with the Discover card people, they would not provide evidence that either of us did. I specifically asked for them to send me proof that we signed up. The first person said that they did not have that proof and the subsequent supervisor said they could not because of policy. 

We were covered with a similar plan through work and would not duplicate it with the Discover card. 

They would cancel the plan and refund six months worth of payments. 

This has been going on for 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
Company erroneously closed my online account without cause or explanation. Company refuses to allow communication with the department which made the decision. During a phone conversation with a XXXX customer service agent on XX/XX/2018 only confirmed that XXXX will never allow me to use the online feature of their money transfer service. Agent told me : " Sir, all I can tell you is that you are never going to be allowed to use XXXX online and there is nothing you can do about it. '' It was at this moment that I asked to be transferred to the " security department '' that apparently made the decision to close my account. Agent told me : " No, and I'm telling you that no matter who you talk to, no one is going to listen to you beg about getting your account back. You are welcome to go in person to a XXXX. '' I asked : " Can I speak to your supervisor please? '' Agent responded : " He or she is just gon na tell you the same thing I just told you. You are NEVER getting your online account back and there is NOTHING you or anyone can do. '' The agent immediately hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union ( XXXX ) has refused to disclose the amount of interest it has charged me on late fees during the duration of a personal loan. I believe this refusal is in violation of the Truth in Lending Act. 

A current balance of over {$2000.00} represents late fees and interest. The promissory note states a late fee in the amount of {$29.00} will be assessed when payments are late. However, the promissory note DOES NOT state interest will be charged on late fees or identify the interest rate. 

he amount financed was {$7900.00} and the total payments amount was {$11000.00}. Now with all principal paid I am saddled with a balance of over {$2000.00}. NOTE : I can not specify the exact amount because I can no longer access it online, probably because being able to do so would continue to reveal the daily increase in the balance because of interest being added daily on late charges. 

This complaint is a followup to complaint # 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 2018-10-22 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: GA

Complaint narrative:
" " '' I have disputed this Bankruptcy chapter XXXX-discharged XXXX for months.XXXX and XXXX have Deleted them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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