vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Issue is with PayPal credit and PayPal Mastercard : Credit is funds from checking ; not to be confused with PayPal Mastercard. 

Two charges were added to both PayPal credit and Paypal mastercard ; meaning I paid twice. 

XXXX in the amount of {$5.00} through XXXX XXXX ; charged twice Transaction id for credit : XXXX XX/XX/ XXXX for shipping label transaction Id for paypal credit : XXXX These same charges are on my PayPal Mastercard, I'm attaching all both bills so that other will be able to identify all the evidence.

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 monetary relief
Consumer complaint received 2019-09-06 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: CL Holdings LLC
State: MA

Complaint narrative:
I disputed this XXXX account on my credit report with the original creditor and they told me that the account was sold to a company called Jefferson capital systems LLC, and that they were not the ones reporting anything on the account to the credit bureaus. I contacted Jefferson Capital systems LLC and I was told that the account was placed with them but that they werent the ones reporting anything to the credit bureaus either, so I have no idea what is going on, I would like to get this account deleted since any of the two companies arent responsible for reporting it, I received a letter by mail from Jefferson capital systems LLC saying that they are not reporting anything to the credit bureaus and to contact XXXX. I also dont understand why, I called XXXX and they always tell me that Jefferson capital LLC, purchased the debt, then if the debt was purchased by them, they should be able to delete it or at least validated and provide me with the original contract bearing my signature or if there is a contract between me and this company I would like to see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: VA

Complaint narrative:
I completed a Chapter XXXX which did not include my mortgage. Ive paid directly myself. Im still paying my mortgage payments and my account is open and active but they are reporting it as discharged in Chapter XXXX. Ive requested multiple times to correct it and went through credit agencies as well. It is impacting my credit in a negative way. I need them to update the account to show that it is open and active as I have been paying it every month including the 5 years that I was in Chapter XXXX bankruptcy. This account was not paid through the bankruptcy it was a self pay 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 2019-09-06 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I co-signed for a Motorcycle bike loan in XX/XX/XXXX, with my son in law, which was paid in full on XX/XX/XXXX. At the end of XX/XX/XXXX, we received the Notarized Lien, a satisfaction letter and the original bank loan papers stamped PAID from the bank. However, in XX/XX/XXXX, I tried to get a loan to help my brother purchase a home and when the credit report came back I was informed that Synchrony Bank/XXXX  had been reporting that the loan was been reported as late since XX/XX/XXXX thru XX/XX/XXXX and then as a charge off which is still being reported as of today the same way. I have contacted 2 times since XX/XX/XXXX, the first time I spoke to a Manager named XXXX and I explained the situation at which point to proceed to tell me that apparently the amount of {$940.00} was some type of interest owed. I asked her Why is it that we are finding out this information now and not before you decided to send wrong information to the Credit bureau? She said that someone had called which was a lie because when I asked her to tell me when someone called she said they could not tell me because nobody noted the account. Fine, I said. Then, I said, we were willing to PAY THEM AGAIN for something that was already paid but we would need them to send me a letter stating that they would erase the wrong information from the Credit report because it was damaging and I have worked too hard over the years to have good credit in case I needed to use it to send my kids to college. I explained to her that I had in my possession the documents I described above and she said to fax them to her and gave me a fax number. Not 10 minutes had passed when she called me back saying not to bother sending the documents and that she was prepared to take the money from me but it would have to be a debit transaction and that they would not change any information in the credit report because they didnt have the power to do so. I told her that I was going to consult a lawyer and ended the conversation. I then proceeded to dispute the information with the Credit bureaus. XXXX  erased the information in XX/XX/XXXX but I entered a dispute with XXXX in XX/XX/XXXX and the most recent one in XX/XX/XXXX and both times were denied from erasing the information. This situation is adding more stress and aggravating my XXXX diagnosis these past 6 months. How can people so this and get away with this? If they want money, again, we are willing to give it to them but they need to admit their mistake and erase the wrong information from our files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have traded my XXXX vehicle at XXXX XXXX XXXX on XX/XX/XXXX I gave the vehicle In as a trade for another. 
on XX/XX/XXXX I was advised they paid the car off in full but XXXX is reporting the vehicle 30 days past due and this information is inaccurate. Delete this delinquent activity as it is inaccurate and update all the major credit reporting agencies that reflect negatively as this is not true false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TN

Complaint narrative:
Professional Debt Mediation , Inc., is sending me to collections for the sum of {$5300.00} account number XXXX for an apartment that I did not lease. I have attached a copy of the Final account statement dated XX/XX/2018 from XXXX at XXXX XXXX. The lease agreement shows an eviction for non-payment of rent for Unit XXXX. The name of the persons this Final account statement was addressed to is : XXXX, XXXX and XXXX, XXXX. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX. In the past, I leased apartment number XXXX. I witnessed the apartment complex manager physically remove my name associated with any issues concerning Unit XXXX, however, I am receiving collection notices from Professional Debt Mediation , Inc. XXXX XXXX was born in XXXX, XXXX. I was born in XXXX, XXXX. I have been in communication with XXXX XXXX at XXXX at XXXX XXXX to help resolve this issue. Her direct number is XXXX ext XXXX. This is clearly an issue of mistaken identity. This debt is not mine ; I do not owe this, and this collection needs to be reversed. I have contacted XXXX at XXXX XXXX directly to fix this however, I have not been successful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I opened a credit account with XXXX XXXX XXXX on XX/XX/2019. A lady named XXXX opened the account for me. Within a few days I looked at the account online and I noticed a {$5000.00} cash advance had been made from the credit card which I never asked for or approved. I used the card a few other times for small purchases. 
I immediately went into the branch and tried to get the charges reversed. It took a few visits for them to post the payment to the credit card. I am in the middle of trying to apply for a mortgage and buy a home so this couldn't have happened at a worse time. It has taken a month and many visits and phone calls to make any progress at all within XXXX. 

As a result of this my credit score has dropped 100 points because of the maxed out credit card and XXXX still has not reported to the credit reporting bureau that I have repaid the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have traded my XXXX vehicle at XXXX XXXX XXXX on XX/XX/XXXX I gave the vehicle In as a trade for another. 
on XX/XX/XXXX I was advised they paid the car off in full but XXXX is reporting the vehicle 30 days past due and this information is inaccurate. Delete this delinquent activity as it is inaccurate and update all the major credit reporting agencies that reflect negatively as this is not true false and misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I have traded my XXXX vehicle at XXXX XXXX XXXX on XX/XX/XXXX I gave the vehicle In as a trade for another. 
on XX/XX/XXXX I was advised they paid the car off in full but Hyundai is reporting the vehicle 30 days past due and this information is inaccurate. Delete this delinquent activity as it is inaccurate and update all the major credit reporting agencies that reflect negatively as this is not true false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I am still having trouble with Selene Finance correcting my mortgage account. They are showing a past due/late fees charge on my statement dated XX/XX/19. I called on XX/XX/19 and spoke with XXXX and he assured me my account was being updated and corrected. When I received my most recent statement, it's still showing these charges so I called Selene again today ( XX/XX/19 ) and spoke with XXXX ( XXXX ). She was very rude, said a supervisor was not available and I could call back. I told her I had left messages before for a supervisor to call me back and I have never received a return call. I asked her to fix this on my account and she said she was just the call center and for me to have a good day and hung up on me!! Any request I have sent to their customer service department in writing has not been answered. I have only received responses from my complaints filed with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX told me they can run my credit as long as I owe them without my permission this is for a debt from 2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: SC

Complaint narrative:
I booked a round trip ticket to XXXX thru XXXX XXXX. on my Chase Amazon Visa. Hurricane Dorian struck yesterday @ XXXX XXXX XXXX S.C. doing major damage to my house. I have tried to cancel my tickets thru XXXX XXXX ... .they said that I would have to contact XXXX and XXXX airlines directly. I got the " mailbox full '' message from both airlines, leaving me with nowhere to go. When I finally contacted XXXX today, the call center representative spoke broken English which went nowhere. I have asked Chase Manhattan to charge back the airlines ( XXXX and XXXX ) on my behalf. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: MA

Complaint narrative:
I disputed this XXXX account on my credit report with the original creditor and they told me that the account was sold to a company called XXXX XXXX XXXX XXXX, and that they were not the ones reporting anything on the account to the credit bureaus. I contacted XXXX XXXX XXXX XXXX and I was told that the account was placed with them but that they werent the ones reporting anything to the credit bureaus either, so I have no idea what is going on, I would like to get this account deleted since any of the two companies arent responsible for reporting it, I received a letter by mail from XXXX XXXX XXXX XXXX saying that they are not reporting anything to the credit bureaus and to contact XXXX. I also dont understand why, I called XXXX and they always tell me that XXXX XXXX XXXX, purchased the debt, then if the debt was purchased by them, they should be able to delete it or at least validated and provide me with the original contract bearing my signature or if there is a contract between me and this company I would like to see it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: MA

Complaint narrative:
I disputed this XXXX  account on my credit report with the original creditor and they told me that the account was sold to a company called XXXX XXXX XXXX XXXX, and that they were not the ones reporting anything on the account to the credit bureaus. I contacted XXXX XXXX XXXX XXXX and I was told that the account was placed with them but that they werent the ones reporting anything to the credit bureaus either, so I have no idea what is going on, I would like to get this account deleted since any of the two companies arent responsible for reporting it, I received a letter by mail from XXXX XXXX XXXX XXXX saying that they are not reporting anything to the credit bureaus and to contact XXXX. I also dont understand why, I called XXXX and they always tell me that XXXX XXXX XXXX, purchased the debt, then if the debt was purchased by them, they should be able to delete it or at least validated and provide me with the original contract bearing my signature or if there is a contract between me and this company I would like to see it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was purchasing a phone on XXXX XXXX  for a reasonable price. It was listed under sellers that can ship section on XXXX so I went ahead and contacted the seller. After agreeing to a price and shipping location and method of payment I transferred the money via XXXX  which seemed to be safe since it was backed by my bank and found in my Banks app. After that, the seller said she would ship the item the next day. She never sent me a tracking number, then she stopped answering my messages and now blocked me. Now I am out of my money and have no phone. The transfer via XXXX happened on XX/XX/19 for {$300.00}. The description of the transfer included a Note : XXXX XXXX XXXX XXXX like new. The {$300.00} was for half of the total price of the phone. The other half would be sent once the phone arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Nelnet student loan taken out in XXXX has been paid in a timely manner. In XX/XX/XXXX, Nelnet changed the personal account name and dob on the account from xxx to XXXX XXXX. I contacted Nelnet and they said it was XXXX XXXX College erroneous information. Nelnet changed the account back to xxx and corrected their records. 

Today, XX/XX/XXXX, the same thing has happened. Nelnet is trying to file an inquiry with XXXX XXXX College to fix the issue. However, my concern is student loans are being taken out using xxx social security number and thus is incurring someone else 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: WA

Complaint narrative:
Hi I called to close my first progress credit card account XXXX after depositing XXXX USD cash a few years ago. I'm owed a remaining balance of XXXXUSD. After called numerous times since XXXX and spoke with supervisor XXXX who said they would sent the check but I have yet to receive it however I'm able to get a monthly statement from first progress. 
Called : XXXX closed XXXX Spoke with XXXX - XXXX with XXXX - XXXX Spoke with XXXX - XXXX Spoke with XXXX - XXXX Spoke with XXXX XXXX Spoke with XXXX - XXXX Spoke with XXXX - I've to receive the balance owed and overpayment. Need assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America ( BOA ) Over Draft Fees I had a scheduled credit card payment to be debited from my BOA checking account on XX/XX/2019 to be submitted to my BOA credit card. ( My BOA credit card payment was due on XX/XX/XXXX ). The payment arrangement was made on Thursday XX/XX/2019, at approximately XXXX XXXX via the BOA mobile app and the funds was scheduled to be debited the following day, Friday XX/XX/2019. The credit card payment was debited from my account almost instantaneously and which caused my account to have a {$0.00} balance. There were other payments scheduled to be debited from my account, those payment were processed, one of the payment was for {$20.00}. As a result of BOA erroneously debiting the amount from my account, I was charged four overdraft fees of {$35.00} each totaling {$140.00}. 

I contacted BOA customer service line, after waiting on hold for over forty minutes I got a hold of a representative. She was rude, feisty and question me about why I couldn't afford the overdraft fees. The representative agreed to refund one of the {$35.00} fee. I requested to speak with a manager, the rep. agreed to transfer me to a manager, placed the call on hold for couple of minutes then hung up. 

I called BOA customer service a second time, the automated answering service provided the option for me to receive a return call which I opted for. The second representative I connected with was very professional and sympathetic to the situation when I informed her that the {$140.00} fee is equivalent for two full days work for me and the money was to be allocated to my electricity bill. The representative stated that due to BOA policy the fees will not be refunded.

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 monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: TX

Complaint narrative:
I was in a dire need for money to cover some immediate medical expenses and found this company online. I applied via phone call to Blue Trust Loans ( a.k.a. XXXX Hummingbird ) The Loan amount was for {$1300.00}. I was explained the payment plan was laid out to be 6 payments of {$370.00} taken out each payday via ACH to pay back the loan. I have now paid back over {$1800.00} to this company and called them to find out how many payments are left and to see how much principal was still left to be paid and to make arrangements to pay off the remaining principal. At that time the person at Blue Trust Loans told me I have to pay all of the interest on the loan on top of the principal which comes to a total of {$6600.00}. The APR applied to the account is 635.03   %. They will not allow me to pay off the principal on the loan and said I must pay all of the interest. I have already paid {$500.00} over the actual loan amount and they refuse to allow me to make arrangements to pay off my principal balance. This is absolutely criminal and predatory and they have to be stopped.

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