vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/2019, I filed a complaint against PayPal, XXXX, incredibly I received a response from Synchrony bank, which did not address the issue at all. The response from Synchrony simply gave me a history lesson, thank you for telling me what I already knew. 
SO LET 'S DO THIS AGAIN and I will word my complaint differently so there is NO confusion. 
PayPal ( not Synchrony Bank ) targeted and solicited me to open a PayPal line of credit. Promising zero interest and 6 months or more to pay for items over {$99.00}. 
I APPLIED ; and was approved my credit score was XXXX. 
The line of credit is now attached to my PayPal account. However PAYPAL, not Synchrony Bank, does not allow me to use the line of credit as an OPTION for any purchases at all. I have made a dozen attempts over the last 2 weeks, from {$40.00} to {$700.00} each and every time with a merchant that accepts PayPal Line of Credit. BUT, PayPal does not give me an OPTION to use the line of credit I was approved for by Synchrony Bank. I will provide screenshots of my attempts and you will see the OPTION to use the PayPal line of credit is NOT available for me. I have made at least 9 inquiries and every time get the identical standard auto response. I have done nothing to break any agreement because I have not had a chance to use the line of Credit. PayPal has not asked for an additional information of provided a valid reason why I can not use my line of credit, This is FRAUD by PayPal and I have been harmed. 
In Summary again to make sure whoever reads this understands. 
1. PayPal solicited me to apply for a line of credit 2. I applied and was approved through Synchrony Bank 3. My line of credit was attached to my PayPal account 4. I get solicitation every day from PayPal to use my line of credit 5. I have made over 9 attempts to use my line of credit with merchants who accept PayPal but PAYPAL refuses to allow me to use the Line of credit for anything. Paypal simply has blocked my account for access to my PayPal line of credit. 
THIS IS A EASY CLASS ACTION as PayPal misleads every single consumer. What PayPal really does is make a credit decision against each consumer for each purchase attempt using the Paypal line of credit. If I knew this is why PayPal really did I never would have applied and gone through this XXXX. 
Any XXXX search will reveal the thousands of identical complaints. 
****Lastly, I do NOT want and do not authorize and phone calls from PayPal in their response. I want all communication in writing to make sure both sides have an accurate record.

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 2019-10-16 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I reviewed my XXXX credit report and I totally shocked that XXXX   reinserted fraudulent accounts on my credit report from 2-4 years ago. XXXX has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX   XXXX and Consumer Financial Protection Bureau. I am requesting for XXXX to delete and block these fraudulent accounts immediately : 1. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. XXXX XXXX | XXXX Balance : {$1600.00} 4. XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX did not notify me within five business days before placing these old fraudulent accounts back on my credit report. XXXX has violated my rights and I will be consulting with a consumer attorney sue XXXX for its negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: U.S. BANCORP
State: GA

Complaint narrative:
I reviewed my XXXX credit report and I totally shocked that XXXX   reinserted fraudulent accounts on my credit report from 2-4 years ago. XXXX has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX XXXX and Consumer Financial Protection Bureau. I am requesting for XXXX to delete and block these fraudulent accounts immediately : 1. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. US BANK | XXXXXXXX Balance : {$1600.00} 4. US BANK | XXXXXXXX Balance : {$650.00} XXXX did not notify me within five business days before placing these old fraudulent accounts back on my credit report. XXXX  has violated my rights and I will be consulting with a consumer attorney sue XXXX  for its negligence.

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 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
In XX/XX/XXXX my contract was sold to Shellpoint Mortgage. My contract specifically states that I am to pay my own homeowners insurance. Shellpoint/NewRez took it upon themselves to pay the insurance in XX/XX/XXXX for {$560.00} after I had made my payment to XXXX XXXX for {$120.00}. XXXX returned my payment to me. I contacted them to find out to my surprise that Shellpoint/NewRez had already payed them.I informed them that Shellpoint/NewRez was not suppose to do that because my contract states I pay my own premiums. For 8 months my mortgage amount did not change so in XX/XX/XXXX I re-embursed Shellpoint/NewRez the {$560.00} thinking that this would correct the problem. It didn, t. It made it worse. In XXXX of XXXX Shellpoint/NewRez raised my payments to {$800.00} a month from {$670.00}. I contacted them and asked why they did not credit my account with the {$560.00} payment I made back in XX/XX/XXXX. I was told they didn, t know. I then asked them why they paid my insurance they told me that they can.The rep told me that she was looking at a document that said that my insurance was in escrow.So I asked her to send me a copy of it and she then told me that I couldn, t request a copy and then hung up. I was not given credit for the {$560.00} that I sent them untill XX/XX/XXXX. It took them two and a half months to finally credit the payment. In XXXX of XXXX I received notice from XXXX XXXX that my premiums were due. I paid them on XX/XX/XXXX in full {$580.00}. To my surprise on XX/XX/XXXX Shellpoint/NewRez paid the premiums again. They then started to come after me for it and took my mortgage payments and applied them toward the insurance premiums putting me in default. I contacted them by phone and by mail to get this corrected and they put me in pre-forclosure. They now say that I am a month behind on my payments. They also raised my payments to {$970.00} a month now. They hit me with late fees that I should not be hit with because this was clearly their mistake. When a company purchases your contract aren, t they suppose to abide by the terms and conditions of the contract? They say they don, t have to because the Deed of trust says that they can do this. So then why do we even sign contracts anyway if they don, t abide by it. This is a problem that they refuse to correct.My payment should only be according to my contract {$670.00}. They now say that my payments are suppose to be {$720.00}. I don, t know if you can do anything about this I would really appreciate it. Thank You!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
i have these unknown inquires I wish to have them removed, I have sent letter to XXXX, I have reached out to the creditor that made the inquiry still no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: IL

Complaint narrative:
Equifax did not resolve a dispute that was submitted in XXXX of 2019. My credit score with Equifax dropped over 30 points in less than a month without any derogatory information reported. My credit balances decreased within this time and all payments were on time. Equifax can not explain why my score dropped so drastically without any negative items being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: DISCOVER BANK
State: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX credit card inquiry Discover bank XX/XX/XXXX credit card inquiry XXXX XX/XX/XXXX credit card inquiry These transactions were not done by me and I need them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
XX/XX/2019 checking credit report beside always having problems with bayview loan they say i have been late 18times not true i use to mail payment getting their b4 the XXXX i have proof-then a few yrs ago i started paying thru computer i have proof since XXXX this year i have had lotst of major problems from car-house, work, sick animals, had to buy denture upper broken half-then few weeks later bottom broke cost me to use credit card still paying, loan going up XXXX this 2019 from XXXX to XXXX plus 2nd moratage XXXX that is over XXXX month i only bring home about XXXX or less i spent over 2weeks filling out forms for a modification i know i can not make payments letter return i did not understand saying credit score only XXXX which is wrong is XXXX i called they told me my score was to high if no help i may have to go bankrupt witch i do not want to do i work so hard to get the score up i never seen any one have so much back luck as i have had from XXXX to XX/XX/2019 i just need help i still need the rest of my roof to be done now 2yrs only able to get one side due to a big leak insurance no help, the 1st part XXXX the other half if done will be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: South Carolina Student Loan Corp
State: GA

Complaint narrative:
This is a private XXXX 's Loan from SC XXXX XXXXs Student loan,   obtained when all funds were exhausted in XXXX while I was in College studying to become a XXXX. I moved out of SC and had been paying on the loan until losing employment. The loan was placed into either forbearance or Deferment sometime ago but when this expired, I called the private XXXX 's student loan, to request some assistance with making payments. 
Was told that there were no options, as this was not a normal/Federal Student loan. They would not even accept or approve my request for a Hardship consideration, and told me in XXXX, my loan was sold to a collection agency, and not to send any payments to them. 
XXXXWas just contacted yesterday via letter by SC private student loan , threatening to garnish any wages that I have or seize any taxes that our family receives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
I opened a complaint with Cfpb last year - complaint id : XXXX-XXXX My complaint was resolved and Navient stated that they removed the incorrect reporting of a late/ missed payment in XX/XX/XXXX. However it has come to my attention that Navient has averted the complaint by adding / shuffling late / missed payments reported to my credit bureaus. 

Navient removed a late/missed payment reported XX/XX/XXXX as requested, however they reported a late missed payment in XX/XX/XXXX when removing the XX/XX/XXXX remark. 
As stated in my first letter to Navient, I began making payments under this plan starting XX/XX/XXXX. 

Navient also shuffled the XX/XX/XXXX payment and XX/XX/XXXX payment as well when I stated I had not been late a full 30 at this time either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Debt was removed or discharged as paid in full / error but is still on credit report after receiving documentation that there was an error and account was deleted.

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 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was approved for the southwest chase business credit card and received it on XX/XX/2019 and received a letter saying they closed it on XX/XX/2019 I called them and have the account to be reviewed but they discriminated and said they are closing my account because I dont speak proper English which I do than was told to many accounts which Was another lie felt like they were making stuff up as the conversation was progressing and I am a business owner would like this issue resolved because they cant get away with such behavior and discrimination thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Even though I had 0 % credit usage on the card, Discover closed my account on XX/XX/2019. Before closing my account they did not notify me why or even tell me. This closed account has led me to have a lower credit score, and stopping me from continuing my relationship with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This is not my debt this item has been removed several times for months or years and keeps reappearing without knowledge or communication.

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 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have got a horrible run around from PHH mortgage, they have taken XXXX dollars from me in modifications but when it comes to the final modification documents they deny it every time. 

The house is scheduled for foreclosure on XXXX and I have been nothing but scammed by this company. 

I need to do whatever I can or get whatever help I need to stop this. 







PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX XX/XX/XXXX never applied for credit I dont understand why this creditor is on my credit report. 
XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/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 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AAA Collections
State: ND

Complaint narrative:
I had a missed called today XX/XX/2019 from phone # XXXX. I called the number back and XXXX answered the phone, gave his first name and asked who I was. I asked repeatedly what the name of the company was that I was calling, he refused to tell me and hung up. I called a second time and that representative also refused to tell me the name of the company. My 3rd call was to XXXX XXXX, I believe, after I identified myself ( with name only ) he finally told me the name of his company AAA Collections out of XXXX XXXX SD, read me the " mini miranda '' and advised me of a debt with XXXX. He did not attempt to verify a second piece of information with me such as my address or dob or ssn to verify it was in fact me before disclosing the debt, which is a violation of FDCPA. All three representatives also refused to give me the name of the company I was calling even though I specially asked repeatedly, also a direct violation of the FDCPA. and I have recieved absolutely no written correspondence about this debt from this company and was completely unaware of said debt, a validation notice is required to be sent to the consumer notifying the consumer of the alleged debt and notifying the consumer of their right to dispute or request validation of the debt. They have not provided me anything, also a direct violation of the FDCPA collection practices. I informed the representative on the phone that it is against FDCPA practices to refuse to give your company name. I have all 3 calls recorded and can provide them if needed. I also told him they do not have permission to contact me on my cell phone in the future. I have not yet decided if I will be consulting with an attorney and taking legal action but it is a possibility. If you want copies of the phone calls please let me know and I can email as I can not attach below from my phone recorder app.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Company continues to post inaccurate information to credit report without knowledge or contact.Item was not on report at all and all of a sudden appeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
There are 2 CHASE CREDIT CARDS IN MY NAME. Chase fraud department has informed me they believe there is fraud on both accounts. 
As long as Chase believes fraud charges are on each account, I am reminding Chase can not report any balance they have questions about to the credit reporting agencies. I would ask Chase to first identify which charges they believe are fraud or suspicious and deduct those amounts from the balance before reporting to the credit bureaus. Otherwise Chase would be recklessly reporting inaccurate information or Information they have not thoroughly researched and investigated to the credit bureaus and purposely or recklessly harming me. 
Also, as a result of the suspicions of Fraud it is vitally important I have an accurate record of all dialogue, Therefore I am demanding a CEASE and DESIST of all phone calls. Chase Fraud department has been calling me every single day and harassing me. My lawyer stressed to me the importance of having all dialogue in writing, Chase has 3 options to reach me. 1. By email, 2. By USPS 3. By XXXX XXXX I will not accept any phone calls for any reason from any Chase department. Now that we have a recorded my request to Cease all Phone calls I am imploring Chase to behave appropriately.
Due to my age of XXXX, I do have a hearing problem and it is embarrassing for me to continually ask a caller to repeat themselves, This all stresses me. Also, many times I do mis hear what is said and provide the wrong answer. This could have a detrimental affect of the current situation. SO again please NO PHONE CALLS from Chase bank or from Chase Fraud department or any other department. If Chase has nothing to hide then writing it down will only help. If Chase says they can not discuss something in writing they are lying as they have been doing,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
I submitted a dispute to Equifax on XX/XX/XXXX, regarding XXXX XXXX. XXXX ( XXXX ) has reported that I am late, lowered my credit limit, charged XXXX in interest XXXX wrongfully ),  and has started harassing me. I uploaded 5 pages of documents showing that when I made the purchase, I signed for 48 months NO interest equal payments. They stated that Equifax verified the debt. There is no way they have signed papers after XX/XX/XXXX which is when I made this purchase. Equifax failed to actually look at my documents and verify what the lender sent. This has caused undue stress and a continued lowering credit score. According to the Fair Credit Reporting Act, they have an obligation to verify and have failed.

Company response to consumer: Closed with non-monetary relief