vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-04 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: GRANITE STATE MANAGEMENT & RESOURCES
State: ID

Complaint narrative:
Last year I asked Granite State Management to provide proof of the loans I took out and blocked payments until the provided proof. They provided only two or three things and not a complete list of my loans for which they are taking payments from me. This is by no means sufficient evidence but to keep myself out of trouble I removed the block from my bank account on XXXX XX/XX/2018 so they could resume payments. They did not take a payment for XXXX but they did take a payment for XXXX, which formally cleared XXXX XX/XX/2018. They have not taken a payment since, despite there being money in my account for my loan payments every month. They send unsolicited links to " information about my refusal to pay my loans '' even though I told them that unsolicited links are dangerous and I will not risk my personal information that way. Send snail mail please. They refuse and still send links, accusing me of failing to pay but click their link anyway. I've responded before but now they have blocked all of my emails, including their general info email listed on their website. XXXX is also harassing me now about my supposed failure to pay when I know for a fact that Granite State is just not even trying to take my payments. I verified with my bank that the last payment they took cleared XXXX XX/XX/2018 but they haven't even tried to take a payment since then. They said that GSMR can give me trace numbers they can look up and I tried to ask GMSR for that info but as I said they have blocked all emails from me. You can see where there were no delivery failures to my responses to failures, despite using a general info address. It really seems that GSMR is trying to default me when I could have been paying this whole time. They are not taking the payments they are supposed to take every month and as I said my bank verified that they aren't even trying anymore. I feel that they are targeting me and harassing me and deliberately trying to damage my credit, increase the interest amounts, and hurt my chances of going back to school all because I had the audacity to demand proof of the loans for which they are charging me. They know that the block was removed considering the successful payment they requested and received XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was signed on as an authorized user to my XXXX year old mother who has XXXX/XXXX.as I am her POA ( while bank of america did not accept it-only one-wants original documents we don't send ) and daughter-it is not my account or debt, yet they have recorded it as such which is hurting my credit score.  On top of it fraud was made not resolved to the tune of nearly XXXX in charges and another XXXX in fees on the Bank of America acocunt which is now being reported and not resolved despite hours w fraud dept. someone stole my moms social and called her and got her to transfer huge amounts of money one to another charge that was over what she owes and another to a bank that is not hers. IT has happened twice on XXXX too, but XXXX is not reporting me as I am not an authorized user. In additional to the fraud, BANK of America MUST REMOVE THIS REPORT FROM CREDIT BUREAUS IMMEDIATELY AND ALSO CORRECT THE FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: MD

Complaint narrative:
I was signed on as an authorized user to my XXXX year old mother who has XXXX/XXXX.as I am her POA ( while XXXX XXXX XXXX did not accept it-only one-wants original documents we don't send ) and daughter-it is not my account or debt, yet they have recorded it as such which is hurting my credit score.  On top of it fraud was made not resolved to the tune of nearly XXXX in charges and another XXXX in fees on the XXXX  XXXX XXXX acocunt which is now being reported and not resolved despite hours w fraud dept. someone stole my moms social and called her and got her to transfer huge amounts of money one to another charge that was over what she owes and another to a bank that is not hers. IT has happened twice on XXXX too, but XXXX is not reporting me as I am not an authorized user. In additional to the fraud, XXXX XXXX XXXX MUST REMOVE THIS REPORT FROM CREDIT BUREAUS IMMEDIATELY AND ALSO CORRECT THE FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: SC

Complaint narrative:
XX/XX/2018 I sent certified letters to XXXX XXXX  for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested XXXX XXXX  to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 XXXX XXXX has not sent anything. I then disputed the accounts with Expierian and XXXX and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? XXXX XXXX cant verify.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: Olympic Collection Inc.
State: OK

Complaint narrative:
Earlier this year in XXXX, I received a collection letter from Olympic Collection Inc ( OCI ), XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX ( XXXX ) XXXX claiming that I owe over {$500.00} relating to towing expenses. I called OCI and was told that there is a XXXX XXXX that was towed, and that the vehicle is registered under me thus they sent me a collection letter on behalf of the towing co. I told the case manager that I sold that vehicle in XX/XX/XXXX and that I will provide her information to prove so. 
On XX/XX/XXXX I emailed them a copy of the Notice of Transfer that I obtained from the local tag agency where I filed the paperwork right after I sold the vehicle. The Notice of Transfer shows that I sold the vehicle on XX/XX/XXXX and it also lists the name and the address of the person the vehicle was sold to. In the State of Oklahoma, when you sell a vehicle, you are required to get a Notice of Transfer to prove that the vehicle have been transferred from the seller to the buyer. From that moment on, it is the responsibility of the buyer to have the vehicle registered in any state they desire ; the seller bares no liability. I called and explained this to an OCI employee and was told this is not enough to prove the vehicle is not mine. 

I decided to contact the Oklahoma Tax Commission ( OTC ) agency and they agreed with me that according to Oklahoma law. They offered to write a letter on my behalf which stated that " A Notice of Transfer was filed with the State of Oklahoma on XX/XX/XXXX. Per Oklahoma law, XXXX  is no longer the owner of record. The Notice of Transfer releases him from liability for this vehicle. '' The letter also includes the office number in case OCI wanted to contact them. I emailed the letter to OCI on XX/XX/XXXX and called twice within 3 weeks and was told that they will contact the Oklahoma Tax Commission and get back to me. 

I received a call on XX/XX/XXXX from an OCI employee who told me that the claim will go forward since I did not provide enough information which is incorrect. According to the state I reside in and in which I conducted the business, I am not liable for that vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: SC

Complaint narrative:
XX/XX/2018 I sent certified letters to XXXX XXXX for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested XXXX XXXX to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 XXXX XXXX has not sent anything. I then disputed the accounts with XXXX and Equifax and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? XXXX XXXX cant verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XX/XX/2018 I sent certified letters to Chase Bank for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested Chase bank to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 Chase Bank has not sent anything. I then disputed the accounts with XXXX and XXXX and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? Chase Bank cant verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: MN

Complaint narrative:
I sent a dispute regarding child support that is showing on my credit report that I do not know and they replied back saying that the account has been verified and has not provided any proof. I would like the full forensic audit you did to verify that this is my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I opened a dispute with an item on my credit report through Experian. They came back stating that the report information is true. I previously paid this to a debt collector for a lesser amount than what shows on the report. The other two reporting agencies have already recognized this and have since removed from my report. Experian is the only one trying to keep this on my file. My dispute number with Experian is as follows. XXXX Experian should be able to find this informantion using that number and all the details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: GA

Complaint narrative:
I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DEPTEDNELNET with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: GA

Complaint narrative:
I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and DEPTEDNELNET with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was trying to get a consolidation loan due to too many loans and credit cards maxed out from the divorce I am in the middle of. On the evening of XX/XX/XXXX I got a call back from the loan place and they asked me to buy a card to give them the number I could only assume to get their money back and then cancel payment so they make a profit. Well I then call capital one and tell them I think that payment was a scam and I dont want to be in trouble for it. Fraud depo said of course no worries we will help you. I ask them to verify the account or just stop payment and they said they could stop it or verify the account due to it being the weekend now. I was advised to call back on mon XX/XX/XXXX. Well I did and I was told there is nothing that can be done and he couldnt verify the account but assured me I was not going to be held accountable. Well they then froze my cards and the next day closed both my accounts. I have been a good customer for almost 2 years and always paid on time and usually was always at least twice the minimum payment. I asked why they closed my account and they said because i had 4 returned payments during the life of the acct and I said how is the last one my fault I even told you it was fake then you punish me even after I pay extra to make an XXXX   payment to make sure I still get my bill paid on time cuz I didnt know if I was gon na get a late payment charge since I knew it was gon na bounce back. I read the entire terms and conditions and I did not read anywhere that if I had 4 returned payments that I was in acct default and my accts would be closed. I feel treated unfair due to I told them about the bad payment and made the right one thr next day and they still closed me and I can not get them reopened. Now my oldest credit card accts are closed for no good reason with 100 % on time payments and its hurting my credit score now. Not right I did everything I was supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I contacted Chase because they put thru a {$31.00} charge after I had paid for a stop payment. I was informed that I had to place a stop on ACH transactions as well. I was informed of this on XX/XX/XXXX and not prior to this date when i placed the stop payment in XXXX. It sbould be mentioned that the merchant obtained my bank account information without mybpermisdion. I expressed this concern to Chase. I also mentioned the merchant charged my Chase account and the new card I placed on file with the merchant, XX/XX/XXXX transaction on screenshot attached. I was asked to fax or mail my proof of the duplicate transactions. I was provided case number XXXX, fax number XXXX and and address : XXXX XXXX XXXX XXXX XXXX, TX XXXX. I went to my local library and faxed the required documents. I faxed again on XX/XX/XXXX and XX/XX/XXXXafter receiving emails stating more information was needed on my claim. Today XX/XX/XXXX I receive an alert that my account was overdrawn. When I checked Chase has reversed the provisional credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-04 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: DISCOVER BANK
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have a loan with SYNCB/XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SYNCB/XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/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 2018-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/2018 I was to purchase 2 concert tickets via PayPal transfer. I transferred {$49.00} to the seller and never received my tickets. I notified PayPal of this issue they advised me to bbn notify my bank. I notified my bank and was advised to file a dispute claim. I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I issued a wire transfer in the amount of {$50000.00} from my XXXX  XXXX XXXX account to my supplier 's account at Wells Fargo bank. The same day XXXX issued a reversal order because I realized I had issued the transfer to the wrong account. 

My supplier was only notified of the reversal 17 days later. They agreed to the reversal immediately and now, 45 days later the reversal has still not taken place. And there has been zero written communication from either bank. 
We have filed a complaint against XXXX XXXX XXXX and now we are filing one against Wells Fargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
So I have tried and tried and done so year after year. I did not sign or even apply for a Federal Student Loan. I still think the School that I so called attended had something to do with this by taking advantage of me I feel the school Falsely certified my eligibility to receive the loan based on my ability to benefit from its training, I also feel the school signed my name on the application or promissory note without my authorization, or the school endorsed my loan check or signed your authorization for electronic funds transfer without your knowledge. 

After finding out I was an apparent student I withdraw from school after learning a so called loan had been opened in my name, I also think the school should be required to return part or all of this loan money.

Company response to consumer: Closed with explanation