vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-01 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Hello, I have been repaying my loans on a regular basis since 2004 ( I even made some payments prior to 2004 but have been continuous ). 
I have recently paid off the entire amount of $ XXXX, however, the total amount I have paid is almost twice the original amount and I would like the CFPB to look into my paiement and let me know if it is right for a government institution to make such profit from student loan repayments. 
Sallie Mae was the original loan servicer but they sold to Navient. 
I have all the files however I can not upload but can provide them to you once you call me or contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: MI

Complaint narrative:
I recently checked my credit reports and the two closed XXXX XXXX accounts ending in XXXX and XXXX are still reporting in the payment history.The closed XXXX XXXX account ending in XXXX closed on/in XXXX XXXX.The closed XXXX XXXX account ending in XXXX closed on/in XXXX XXXX.Not sure why XXXX XXXX is still reporting on these closed accounts, but it needs to stop.It sounds like XXXX XXXX is still reporting to extend the removal dates.This may have caused current higher interest rates or denial of credit because of the erroneuos information.

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 2021-01-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently checked my credit reports and the two closed XXXX  XXXX  accounts ending in XXXX and XXXX are still reporting in the payment history.The closed XXXX XXXX account ending in XXXX closed on/in XXXX XXXX.The closed XXXX XXXX account ending in XXXX closed on/in XXXX XXXX.Not sure why XXXX XXXX is still reporting on these closed accounts, but it needs to stop.It sounds like XXXX XXXX is still reporting to extend the removal dates.This may have caused current higher interest rates or denial of credit because of the erroneuos information.

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 2021-01-01 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: I.C. System, Inc.
State: FL

Complaint narrative:
I received a collection notice from IC solutions reference a disputed XXXX  cable bill which was not incurred. The collection agency did not care. XXXX  tried to bill for services when I did not live in the residence and services were cancelled and equipment was returned. The ongoing dispute was that they were charging me for cable and internet when I only had internet service. This was an ongoing dispute with spectrum. Depending on whom you talked to it was resolved and then reoccurred on the billing. You had to spend hours on the phone with them each and every time. I told IC Solutions and mailed them I did not incur the bill. I ask that this collection be removed from my credit report asap. 

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
Consumer complaint received 2021-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was sent the wrong items. The sweatshirts are not even the same size I ordered or close to the description. I just looked on their website and it looks like I was scammed through a phishing sponsored post on XXXX as there is no such product ( s ) even resembling what I ordered or what I received currently on their website. I would like a full refund. Paypal refused my refund, and now I have a product I did not order and our money. Paypal has acted fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Green & Sons Agency, Inc.
State: NC

Complaint narrative:
A judgement was issued against me without my knowledge. According to the attorney I was served documents at an address I havent lived at in years in the state of Utah. My address could have been found had the attorney taken the time to do a quick search. I am Registered to Vote in the state of North Carolina I am pretty sure that this is public information. It is clear that this attorney is attempting to ignore the laws of North Carolina. I was unaware of any legal action against me until I was notified by my employer of a wage garnishment. I have resided in the state of North Carolina for years where wage garnishment is not permitted. My employer is also headquartered in the state of North Carolina. I was told that they are still able to process the wage garnishment due to the fact that XXXX  XXXX  ( my employer ) has a registered agent in Utah ( CT Corporation ) my employer is not registered to do business in the state of Utah verified by ( XXXX XXXX XXXX ) Utahs government based business search. The attorney was notified by the illegal wage garnishment and refused to submit a wage garnishment release to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Predatory loan from Santander Consumer in 2013. Car repossessed and sold. Charged unreasonable amount of fees. Sold debt to XXXX XXXX and they are demanding a deficiency payment. Paid a lot of money for this car more and more fees added to the loan from the very first payment. They added fees and never brought down the amount payed. Shady salesman lied from the start. Then tried to bring me a different car than the car I bought. Dealers lied and i had the car for a week and never was approved for the loan. It only continued to get worse. Car continued to have issues w/ transmission overheating. When I take it to the dealership they said I owed {$150.00} for service and I was low on transmission fluid but I can not check fluids til reached XXXX miles. Did not honor warrenty. Refused to fix issues. Car over heating and stalled and was stranded all the time. XXXX XXXX XXXX. On the internet I found tons of other owners having the same issues with their XXXX. Everything about this from the purchase, loan, and running was a problem. Santanders did not follow the law and now I am being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: FL

Complaint narrative:
Had a debt collection dispute with experian jn which I won the dispute. That credit collection agency sold my account to a different collection agency. Submitted a new dispute to exoerian explaining that I already won a dispute based on this collection amount. 

Not only that I informed experian that XXXX  XXXX has never sent a bill, never called never presented me with anything in regards to this collection. Asked for any proof to the contrary. They could not provide any proof. How can I have a collection for something they never have given me a bill for?

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 2021-01-01 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: PA

Complaint narrative:
This is now attempt number ( 3 ) to have unverified entries on my credit report deleted as they have yet to be verified under FCRA law. After reviewing my credit report recently, I realized that I had number of entries reporting as closed that had never been verified as I do not accept responsibility. I have contacted CFPB twice now and the companies have yet to provide any written or physical documentation that demonstrates that these accounts are in fact mine. Under FCRA law, section 611 ( a ) ( 5 ) ( A ) ( i ), ANY item that can not be VERIFIED is required to be deleted or else this is a violation of my rights as stated to me by my attorney. I have submitted complaints on XX/XX/2020 & XX/XX/2020 respectfully with no proof being provided after investigations. I seek remedy or else I have no further action but to file suit for deformation. I only ask that these persistent and inaccurate/ unverified entries be deleted as they are negatively impacting my livelihood. 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 2021-01-01 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 received a reinvestigation results response from Experian reinvestigation results from report number XXXX, which I made under FCRA 611 ( a ) regarding an erroneous item on my credit report. 

I included an official letter on my dispute received from the clerk of the United States Court stating they do not " share any information with Credit reports or 3rd Party agencies and Experian keep confirmed that have verified these accounts, I wonder who has verified if United States Court stating they do not share any information with Credit reports or 3rd Party agencies.

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 2021-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been harassed to where I had a mental breakdown from a debt collector from something 13 years ago ... MIDLAND CREDIT MANAGEMENT now deployed robo calls impersonating police and government saying I am committing a crime and said I would be arrested and a warrant out for unpaid debt of {$2200.00} from 2008 which was taken care of. I am scared. They also sent someone to my house. I filed a claim but you closed it after they lied to you and said they couldn't find my account. I have enclosed a screen shot of my account on here to prove they are the ones harassing me daily. They also did this for another very old debt from over 7+ years ago and sent packages and certified padded envelopes disguised as gifts but have threatening attorneys and police in the letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01 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 received a reinvestigation results response from XX/XX/XXXX reinvestigation results from report number XXXX, which I made under FCRA 611 ( a ) regarding an erroneous item on my credit report. 

I included an official letter on my dispute received from the clerk of the United States Court stating they do not " share any information with Credit reports or 3rd Party agencies and XX/XX/XXXX keep confirmed that have verified these accounts, I wonder who has verified if United States Court stating they do not share any information with Credit reports or 3rd Party agencies.

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 2021-01-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
During this pandemic, even if its too hard to make payment i am still able to make my monthly payment, but when i was unable to pay this XXXX because due to covid and no more unemployment benefit. I had ask them until when i can make a payment. They said I have until XXXX XXXX. But when now i am ready to make payment and Had look my account just now XXXX they had close my citi preferred card. When I told them i would make a payment as soon As i get my funds. I did not want them to close my account because i dont want to ruin my credit score. Please help me.

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 2021-01-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am not sure when the gift card was purchased since it was a gift. But I did call today, XX/XX/2021 to check my gift card balance only because the person who gifted my son with this card did not write the amount on the card. I also tried on this day to go online to their website ( XXXX ) and check my balance but the website was down. When trying to call the company at XXXX, the representatives either hung up in my face or told me they could not help me since I did not know the original load amount. And then one of the representatives deactivated my card. So now it is not useable. I do not know why they did that. The card has never been used and my son just received it as a gift a few days ago.

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 2021-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
It started with a solicitation through discord that BTC was available through redemption Then I was informed that I would need to activate the account, then activate a separate cryptocurrency account, pay an unknown federal tax, then deposit additional funds to pay another exit tax The dates are below XXXX First send of XXXX BTC XXXX " Premium '' Account Activation fee of XXXX sent XXXX First attempt to pay " Federal Tax '' of XXXX sent XXXX Second Attempt " Federal Tax '' amount XXXX sent XXXX Third Attempt XXXX XXXX Fourth Attempt XXXX XXXX The freeze is allegedly lifted with a payment of XXXX XXXX First attempt to pay exit fee XXXX BTC XXXX Final attempt to pay exit fee XXXXBTC I am then informed that there needs to be another deposit made on XX/XX/2020 Complaint is subsequently filed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I stayed at this hotel in XXXX, when I got scammed into getting an apartment, I was struggling and this hotel after staying there for like a month, everything they take my deposit they will not give it back, when I complain they start treating me different, the last week I was there, I have the money to book the hotel room, which I did, paid for, just because I could not afford to pay security deposit, they did not let me stay, and call the police on me. When the offices came, they even feel sorry for me, because I have my two service animals with me and we have no where to sleep and I I have already paid for the hotel room which I never gotten refunded for, The office they where the one that went across to the other hotel and book me a room there. 
So this hotel keep all my previous security deposit and even charge my card again saying for cleaning fees, which I make sure I clean every time I am to change room. 
When I file depute with my bank and provide them with all receipts and information, they first give me credit for some of the money and later came back and took the money saying I loss the case against the hotel. And I have been talking and giving all the information I have yet still my account is neg over XXXX $ I am asking for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It started on XX/XX/XXXX when I found a fraudulent charge on my Bank of America/EDD Debit card in the amount of {$420.00} and one for {$50.00}. I contacted BoA on XX/XX/XXXX about the charges and they froze my account and sent me a new Debit card by mail. When I received the new card, I was unable to activate it due to that account being frozen. BoA said I need to contact EDD about the frozen account ( a freeze form ) sent to EDD. I contacted EDD on XX/XX/XXXX and they fixed it by sending an email to Bank of America to release the account. On XX/XX/XXXX I contacted BoA they said the account was still frozen and had to contact EDD. On XX/XX/XXXX I contacted EDD and they said that they had responded to the freeze form and that the matter was taken care of. I then contacted BoA on XX/XX/XXXX they said it would take 3-5 business days. I called back to BoA XX/XX/XXXX, they said I needed to contact EDD that they hadnt responded about the freeze form, I did contact EDD again and they said that the freeze form was completed on XX/XX/XXXX and BoA was the one that needed to fix the problem. 
BoA as XX/XX/XXXX has not unfrozen my account so I can activate my new card and I am now late to certify for my next pay period with EDD. I have until XX/XX/XXXX to certify with EDD or lose my money for that pay period. 
PS. I have contacted BoA customer service at least 10 times during this period of XXXX until XX/XX/XXXX and they still insist I have to contact EDD.

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 2021-01-01 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: IL

Complaint narrative:
I've noticed that some accounts have been reported to my credit that doesn't belong to me and I've been trying to work with the credit bureau since XX/XX/2020. My name is a common name and they were reporting a person with similar name and they were able to help me to correct most of them and removed from my credit, but XXXX XXXX, they insist that those two accounts are mine ( both accounts are closed but one has a balance of {$12000.00}. I called XXXX XXXX to try to find the account providing my social security and they weren't able to find any account under my social, and now they are sending me to a collection and this is affecting my credit. 
I have been told them that my name is different that the name that they are sending the letters, also the addresses that appear on my credit are from another State that I have never lived there. XXXX XXXX send a letter on XX/XX/2020 telling that they've verified the accounts an that I was making payments from XX/XX/XXXX XXXX and XXXX XXXX accounts which is also incorrect. I don't have any account with any of these institutions. These two accounts belongs to somebody that have similar name and as you can see on the attached letters the name is not my correct name. I will ask you make a deep investigation in this issue as I've been trying to fix it since XXXX and this is affecting my credit score, some companies are reducing my limit and I can't open new accounts. This information is been reported to the three bureaus. 
Credit card companies must have different forms of ID 's on their file to prove that the information is correct. I can proof that I have never have any XXXX XXXX in my life and I won't open one in the future.

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 2021-01-01 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: OH

Complaint narrative:
Transunion is currently reporting an account names XX/XX/XXXX thirty days late for XX/XX/20. I provided transunion proof that the account was paid on time. I disputed the information and their result was that the account was verified as accurate. I sent transunion proof of the payment that was made on time so there is no way the account could have been verified as accurate.

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