vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 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: Coastal Credit, LLC
State: FL

Complaint narrative:
This is my 10th time disputing, complaining, asking for proof, documentation, and validity that this is my debt with this company. This company continues to report false information monthly on my credit file as if I have interest that accrues every month. The address that they have in their database is an old address that I have lived in the past. However, this address was also used to purchase a vehicle in my name with my social, dob, etc. 

I have filed a police report in the past because I am a victim of identity theft. I have had someone get a apartment in my name before and now a vehicle and I've had no problem getting the apartment removed from my credit report. 

I have reached out to Coastal Credit several times about this same issue and have not yet received anything showing that I am responsible for this debt or if it is mine. Every time that I ask for this information from the credit reporting agencies they continue to state that the debt is valid without any proof. They stated that they tried to work out a settlement with me. I was never contacted about a settlement and why should I have to pay for someone else 's debt. This is unfair to me because its causing me to have problems getting my vehicle refinanced with my credit union. This information is reporting inaccurately to XXXX, XXXX, and XXXX. 

And again, please show me PROOF that this was my vehicle or my debt. Anyone could have signed off on this vehicle in my name. As stated before I have been a victim of identity theft since XX/XX/2011. Please have this removed from my credit file IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: GA

Complaint narrative:
XXXX was stolen out my PayPal account they asked for a police report I gave that my license I did that as well and even sent them copy 's that my money was never returned they still haven't gave me my money back and Everytime I call they will leave me on hold than hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: GREAT LAKES
State: IL

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX : I spoke with a representative with my borrower service ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX, mygreatlakes.org ), requesting a payoff amount for two of my four remaining loans. I wanted to pay these two off by XX/XX/XXXX and received information ( email ) on what the total pay off would be.I also asked if the standard monthly payment was required and I was told IT WAS NOT. 

XX/XX/XXXX : Payment was received and cashed ( both checks ) by Great Lakes.. by XX/XX/XXXX. 

XX/XX/XXXX : I spoke with a representative asking that the payments be applied correctly and as I requested. Payment was applied across all four loans instead of solely the two I requested, leaving an outstanding balance on a loan that should have been completely paid off at this point. The representative informed me that the monthly payment needed to be made first, before the additional payment sent could be applied across other loans. Again, I specifically asked if this needed to be done prior to sending any payment, to which I was answered with, NO, MONTHLY PAYMENT IS NOT REQUIRED. The representative had to contact finance to see if the loans could be applied the way I had asked. 

*Please Note : At this point in time I am already about 1 year paid in advance for all of my outstanding loans. I also receive monthly emails stating, for example, the most recent, " Total Amount Due by XX/XX/XXXX, {$0.00}. '' XX/XX/XXXX : I spoke with the same representative from XX/XX/XXXX, who informed me that finance could not do anything about the situation, and that monthly payment had to be made and applied before additional monies could be applied to other loans - Once again, NOT THE INFORMATION I WAS GIVEN. Now, I have to make an additional payment in order to pay off one of the two loans I  originally requested to be, and I am now paid ahead until XX/XX/XXXX at this point! 

XX/XX/XXXX : I will be writing a check for the outstanding amount, and will need to pay extra, again, to have the mailing expedited, to be sure payment is received prior to XX/XX/XXXX, finally wiping out the second of two loans I originally requested to paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: MS

Complaint narrative:
I have been sending disputes to Equifax every 35-40 days since XX/XX/2017 and on multiple occasions the results where received less than 7 days or longer than 30 days. I even sent letters for verification of method used to investigate and haven't received any response either. I Have yet again sent out a letter for verification of proof on XXXX XXXX and Equifax still has not provided me with PROOF. They said the updated information which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have tried to get information on my loans from when I first took out my first student loan ( in 1985 ) through today. I would like to see a complete accounting that has led me to owe almost {$10000.00} still even though I borrowed less that {$50000.00} and have paid for years and years. Navient merely tells me that they have no paperwork before they took over the loan. I feel I've fallen into a black hole where I send them {$720.00} a month ( going up to over {$1200.00} a month in XXXX ) and never ever see a reduction in what I owe. 

Can someone help me? 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
There was an credit that was opened on XX/XX/2014 by XXXX XXXX XXXX. 

This account was created by XXXX XXXX XXXX XXXX XXXX XXXX. 

I was admitted into XXXX XXXX XXXX XXXX. Seen by XXXX XXXX physicians. When i was billed the hospital awarded me charity and I was only responsible for {$25.00}. 

I called hospital and they informed me i wouldn't and shouldn't receive any other bills because I wasn't liable. 

XXXX XXXX sent out a letter to me and the XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX. 

XXXX XXXX XXXX informed me they did not care and wouldn't remove the account they wanted money. The most unprofessional conversation I have ever had.

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 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
On Monday XX/XX/XXXX XXXX XXXX called me 3 times outside of lawful hours. Two calls at XXXX and one call at XXXX. I have screenshot of the phone calls to prove this. I also have record of them calling me excessively, including four times yesterday on XX/XX/XXXX at one time I answered and told them to stop calling me. I am only one month behind in my payment to them yet they feel it necessary to call me excessively and now they have decided to break the law and call me at XXXX. This is illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EZCORP, INC.
State: TX

Complaint narrative:
Yes i have paid this debt 2 times to two different company 's and they keep selling my information to different company and now there is a company calling saying that they are suing me and going to serve me ppw to go to court i have receipts showing i have paid this debt. The original creditor EZ-MONEY is no longer a United States company. So I cant get a hold of them anymore. The company that keeps calling me with a robo call and putting me on hold is from different number and names they say they are a courier service that wants me to tell them where i work to deliver me paperwork or to call this other number I call them and they are rude and want me to give them cc information. I refuse and they hang up on me. XXXX that's the number the caller id says XXXX XXXX The last time they called the caller id said XXXX same ppl and told me same thing. I have informed them that I paid it and offered to sent them the receipt and they refuse to accept it. Please help me they are calling about 8 times a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
At approximately XXXX XXXX on XX/XX/2018 I placed a call to equifax at XXXX. After explaining that I had received a credit alert notice on my XXXX account and wanted an explanation of the issue, the rep named XXXX said he had to place me on hold for " research ''. After leaving me on hold for four minutes, he came back on and said " our system is being updated right now ''. So I said " Are you telling me you can not access my account now? '' He said, 'our system is being updated '. I said it was a yes/no answer and we went back and forth. He refused to answer me. I asked to speak to an advisor, he came back on after three minutes to say no one was available. I again asked to speak to a manager. He transferred me to the " manager ' desk which had a message on it to leave a message and I'd be called back in a day. This is ridiculous! First they have a breach of my data, then they offer me free protection on my account, then they won't access my account. Infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: TX

Complaint narrative:
Tradeline on my report from XXXX XXXX has been closed since XX/XX/2015. However a recent late payment is being reported.

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 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
A woman called my work number and asked for my name. A person asked why. She wouldn't answer. She said do not call this number again ( co worker not me ). She called again and I told her to not call, she laughed, and she also gave out personal information without really knowing if it was me, given, its not my personal number. They are harassing me and I asked them to stop and they shared private information illegally. 
Company : Contract Callers Inc Phone number on caller ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dear CFPB : Submitted Taxes Return for 2016 IRS sent letter stating we owed + {$4000.00} more dollars. 
IRS stated in default if not fixed immediately. 
Trying to set up payment plan with IRS, will not until 2016 is resolved Called Wells Fargo, working on it. 
Wells Fargo applied Lates Fee 's to a Mortgage Credit Refund, which DI NOT result in a check refund, but did alter out tax return. 
Required to fix IMMEDIATELY or IRS will put LEAN on house.

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 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I contacted Chase after a huge ordeal with XXXX. I rented a vacation rental and had numerous issues with the host. She would not respond to message or phone calls. My date was quickly approaching and XXXX told me to cancel the reservation ASAP because the host wasn't communicating. I spoke to several people at XXXX and 2 of which promised a refund. That refund never happened. I called Chase to file a dispute. The date of transaction was approx XX/XX/18. I provided Chase additional information on the dispute on XX/XX/18. Yesterday I saw they rebilled my credit card for the disputed amount. Chase has never called or sent a letter in regards to this. I called Chase and was told they sided with XXXX. They didn't care that XXXX promised a refund and hat XXXX had sent a disclosure. The disclosure is null and void as the host didn't communicate with me. How can I stay at a place where the host is non responsive? XXXX agreed to refund me and now they refused. I attached the additional info I sent Chase. Also, included a screenshot of my convo with XXXX. I had several other conversations on their phone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VANGUARD FUNDING LLC
State: HI

Complaint narrative:
I talked with the benefits provider of my company to change the contact address to my current address. They did this and I received a letter from Vanguard stating this. 
Then on Thursday XX/XX/2018 I received a letter stating that my new address was my old adress ( it was showing my XXXX XXXX. as my " new '' address, with my current address of XXXX XXXX XXXX. as my " old '' address.

On XX/XX/2018 I called Vanguard and attempted to have them fix the problem. They said several times that I have to talk to my benefits provider in my company. I told them that I did, and that they correctly changed my address to XXXX XXXX XXXX.

I believe Vanguard does not know or care about my problem. I am unable to access plan changes or paper mail that they send me because they still think I live at XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have had a Citi Bank card for 6 years and 2 months. NEVER late, NEVER delinquent. 16 months ago I took advantage of a " balance transfer '' offer they had. I set an auto pay to pay DOUBLE the minimum required monthly payment. As I had everything set on auto pilot I would check my account once every 2-3 months to see the balance. Steadily the balance went down. Until XX/XX/XXXX when I looked and noticed the balance went up {$870.00} without me even using the card ( white I was still making regular payments ). I found this alarming so I contacted them. Apparently in XX/XX/XXXX they changed my monthly minimum payment which caused my auto pay to be short and thus Citi Bank charged me an obscene amount of late fees. In addition the changed my interest. All of this with ought a phone call or email notification. This resulted in my credit card balance going up {$870.00} in 4 months without me even using the card for any transactions while I've been paying the card regularly. When I called Citi Bank they refused to do anything.

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 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
Collection companies trying to collect a debt that was fraudulently opened in my name. I am a victim of identity theft that started in XX/XX/XXXX.

The common thread through all these collection companies is the original creditor : XXXX XXXX. It began with XXXX XXXX XXXX XXXX saying they want to resolve an account with ( Why Not Lease It ) XXXX in XX/XX/XXXX, then XXXX XXXX XXXX XXXX  in XX/XX/XXXX/XX/XX/XXXX, then via text XXXX XXXX XXXX XX/XX/XXXX & currently XXXX XXXX XXXX ( XXXX XXXX ). In all cases I have provided them with the police report numbers & informed them that I was a victim of identity theft & to quit contacting me. Today I find out from " XXXX  '' that the collections pertains to a company called " XXXX XXXX '' whom I have never done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: MS

Complaint narrative:
Per the Servicer, I do not qualify for a modification because of something in my credit report. After pulling my credit report and filing an appeal for another review, I was notified that it had nothing to do with my credit and now I don't make enough for assistance to keep my home. 

Please help 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 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2016, XXXX facilitated issuing a fraudulent credit card in my name, and billed the card with an XXXX XXXX XXXX. They told me somebody had made a purchase, and had the item ( a television I Believe ) shipped to an address that was not mine. I only discovered this fact months later, and immediately contacted XXXX and chase when I figured out what had happened. 

After spending HOURS on the phone with both XXXX, and chase - i was assured the matter was clearly identified as fraudulent, and would be corrected. It was not - the credit card company added late charges, which I refused to pay - then eventually charged off an amount of XXXX. 

This single fraudulent charge off affected the loan rate of my truck, adding almost 2 % to the rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I received a letter dated XX/XX/XXXX. The letter advises that I had not cashed my escrow refund check that was mailed on XX/XX/XXXX ( 6 months after we sold the home ). To date I have emailed, called and faxed to no avail. All I get is the typical run around when someone owes you money. They have more excuses than XXXX has XXXX. Its been 3.5 years and this company still hasn't mailed me my refund. I checked with the State of Colorado Treasurers Office to see if Loancare ( Mtg Co ) had turned over the money to them. Nope, not them either.

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 2018-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
I have a XXXX XXXX backed mortgage, serviced by XXXX and underwritten by XXXX XXXX XXXX. 
Nearly a year ago I suffered a job loss and contacted XXXX as to my options. 
XXXX put me on a forbearance plan and referred me to XXXX XXXX counselors for a work out. 
I made initial payments to XXXX but was later unable to reach them and was led to believe they were no longer in business. 
Every step of the way from day one I have done as instructed by XXXX or XXXX and as I have committed to. 
XXXX on the other hand has routinely and consistently mislead or lied to me about the process, next steps or actions that they have taken to remedy my loan. I have pages of supporting, written documentation. 
I regularly receive intent to foreclose notices while on a payment plan. 
I am put on a payment plan only to be notified the following month XXXX has rejected the plan I have already paid in too - TWICE. 
I make payments with a confirmation number only to learn the payment was not processed nor was I ever called / informed of any issue. 
I routinely ask to be transferred to a supervisor and am either disconnected, put on hold never to be picked up on or told that I would receive a phone call and never have them call me. 
The actions of XXXX have been unfair and deceptive. The result has been for my credit to negatively impacted and threatened with the loss of my home. 
I am in the process of filing formal complaints with XXXX XXXX and XXXX XXXX. 
Any help or guidance as to my legal protections would be greatly appreciated. 
In addition, I would like to find out who has governance over XXXX so that I may file a formal complaint with them as well. 
XXXXs unfair and deceptive practices have most certainly caused the loss of homeownership for many others. I want to work to stop this operation from ruining other lives. 
Thank You, XXXX XXXX XXXX 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