vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XX/XX/2019 - XXXX took funds from my bank account and transferred them to unknown account. 
XX/XX/XXXX - I contacted XXXX with the XXXX # and WEB ID and asked for some help. 
XX/XX/XXXX - XXXX requested a government picture ID. 
XX/XX/XXXX - I replied with the requested information and repeated request for help. 
XX/XX/XXXX XXXX is confused and claims they cant help me. 
XX/XX/XXXX I again ask for help with the issue. 
XX/XX/XXXX - XXXX thanks me for sending over the information, tells me they took off my phone to the account, and I should have no problem signing up. 
XX/XX/XXXX - XXXX addresses me as XXXX vs my name which is XXXX and asks me to ignore the previous email due to a computer problem on their side. 
XX/XX/XXXX I ask for more help including getting the fraud department involved. 
XX/XX/XXXX - XXXX feigns ignorance on what is going on and they assure me the computer is working well now, but well enough to help me. 
XX/XX/XXXX - I ask for more help and getting the fraud department involved. 
XX/XX/XXXX - XXXX calls me XXXX again, and a long explanation on how XXXX   is awesome and they don't make mistakes and that I should stop bothering them and go bother my bank. 
XX/XX/XXXX - I ask if XXXX even has a fraud department. 
XX/XX/XXXX I get response that XXXX is sorry about my name, and they don't have a fraud department to help me. 
XX/XX/XXXX I get a XXXX survey asking how they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im having a problem trying to submit disputes directly to Experian through their online system. Im hoping this can get to them without problem their dispute system seems to lock me out.

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 2019-04-03 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: MD

Complaint narrative:
XX/XX/2018 an Inquiry was on my credit report, I called consumer portfolio services and they told me to call XXXX XXXX. I called XXXX XXXX and spoke with XXXX the finance manager and he told me that my son told them it was ok to run my credit and they did it, I told them they was not allowed to run my credit with out me being available, and he told me that as long as he told them it was ok, that can run it, this is unfair

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 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX XXXX - XXXX is reporting on my credit for a debt I do not owe. I am unsure who XXXX XXXX is nor have I ever done business with them. This is not mine

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 2019-04-03 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: NM

Complaint narrative:
XXXX XXXX - XXXX is reporting on my credit for a debt I do not owe. I am unsure who XXXX XXXX is nor have I ever done business with them. This is not mine

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 2019-04-03 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: GA

Complaint narrative:
I SUBMITTED A REQUEST TO REMOVE BANKRUPTCY INFORMATION THAT IS INCORRECT ON MY CREDIT REPORT. I DID NOT FILE BANKRUPTCY, A LETTER WAS SENT SAYING THAT THE INFORMATION WAS VERIFIED BUT THERE WAS NO PROOF THAT THE INFORMATION HAD BEEN CHECKED AN VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
To whom it concerns : Ref : Account # XXXX have a major concern because I paid off my acct on XX/XX/2019 I then called to close my account on XX/XX/2019. Barclays rep then told me that my account was at a zero balance and closed. as of XX/XX/2019 i never received anymore statements until the day i called on XX/XX/19 LATER the credit agencies alerted me that i was past due 60 days. i then called and i was told that an investigation would be formed in order to see if Barclay rep mislead me, i was glad that someone was going to look into this huge mistake in order to fix my credit bureau that has taken XXXX decades to perfect. I called again to make sure that this investigation would indeed occur then received a call from Supervisor ( # LASEM ) she had me on the phone for over an hour informing me that no investigation would occur and that i had to right this letter. ( # LASEM ) offered no help with my situation appears that this was done in spite of me paying my account. i have been a great customer to barclays and i sincerely beleive that this is a violation of .The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting 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 2019-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I originally applied for a {$1000.00} loan and was told if the loan is paid off early, the amount paid would be towards the principal verse waiting and paying off the loan in 1 year. When I called to pay off the loan early, I was told I could not pay off the loan due to having a makeup payment. I was told the earliest pay off date would be XX/XX/19 and in the amount of {$1200.00}. I would be paying an additional {$1700.00} until the date of XX/XX/19. When I asked what was paid on the principal, I was told {$150.00}, but to pay off my loan now, they wanted {$1400.00}. I have already paid {$1800.00}, This is fraudulent business practices and I have paid over {$1800.00} and consider this loan paid in full due to their fraudulent practices and California pay loan practices. The emails I have attached to this complaint even show they have used two different loan account numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: ID

Complaint narrative:
I am writing in reference to a dispute I sent to Equifax Credit Bureau on XX/XX/2018 requesting to verify, validate, and provide evidence that they had the right to report the debt of {$1900.00} to XXXX. 

Equifax did not provide the verifiable proof as I requested within the 30 days. All they did was send me an update on XX/XX/2018 updating a small piece of information they already had to meet the 30-day requirement. I specificially requested evidence as I had a right to. I have yet to receive the proof that they had the right to report this debt. I am requesting your assistance in verifying that each credit bureau followed the process according to the FCRA. Based on the fact that the verifiable proof was not provided within the 30-day dispute period, I request the debt be deleted from my credit file as they did not meet the deadline to provide the information. 

Please see attached correspondence originally sent to the credit bureau, and their responses. 

Item : XXXX XXXX Original Creditor : XXXX Amount : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX I had ordered via online XXXX XXXX   service. The service was available through their online system. When the tech came to do the installation he had informed me that I was not able to receive this service and that all the ports were full. I had reached out to XXXX and was told that the service was in fact available and rescheduled for a new installation date. The 2nd tech came out and once again told me that I could not receive the service as all ports were full. I reached out to XXXX 's customer service yet again and she talked to the dispatch unit only to tell me what the tech had already told me in the first place. The service was cancelled as I was NOT able to obtain it. In XX/XX/XXXX I received a credit alert that a new collection was on my credit report from EOS CCA. After doing research and filing a complaint through XXXX it showed XXXX being the original creditor for a debt of {$35.00} for the service that was not installed and cancelled the day the tech came out. I filed a complaint against XXXX on this very issue through the XXXX  and had a call from XXXX from XXXX XXXX XXXX department about the complaint. He left a message for me to call him back. I tried reaching out to him and gave him a good time to reach me via voicemail. Since then, I called him back 3 more times leaving 3 different  voicemails only to never hear from him until the day they replied to the XXXX complaint. Their response was they could not get in contact with me. I rejected this response and argued my side with them explaining this as well as the position they put me in. I have attached everything from the XXXX to EOS as well as XXXX. XXXX 's final response was that I need to get this corrected with EOS since they no longer own the account. My argument is this account should have never been sent to collections in the first place as XXXX is the root cause to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am trying to work with PNC. They are impossible to work with on my home equity line of credit. First and foremost, this loan was put into bankruptcy. I tried to call them numerous times in order to get a statement. I never received statements from them, and all of a sudden I receive a statement for XXXX plus dollars. I paid them XXXX a month for over 7 years, because they never stated what they wanted to be paid. 
I called them and asked for a hardship package. They sent it to me. I filled out the paperwork, and almost IMMEDIATELY, they send me a letter saying my line of credit is charged off. Even though after the bankruptcy they sent me an astronimacal amount to pay. They never give me any statement, even when I go into the bank to pay. 
Every other bank sends consumers statements stating that this statement is for INFORMATIONAL PURPOSES only, but they won't give me anything. 
Finally, on their application p 13/17 I authorized XXXX XXXX to speak on my behalf. Of course, when she calls, they tell her she is not authorized to speak. What is the purpose of having this page if no one even acknowledges that the person is authorized and they have to spend 20 minutes trying to get someone to speak to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Shellpoint Mortgage servicing is claiming that I have a escrow account. I pay the taxes and the home insurance myself and have never had an escrow account with this loan. 
Shellpoint is claiming that I owe {$500.00} for an escrow account.

On previous occasions I have asked Shellpoint to send me monthly statements via mail. 
As of the date of this letter I have not received a monthly statement. In addition I have requested the original Mortgage loan document from shellpoint. XXXX XXXX was the original Mortgage that I had and the loan was XXXX home loan. The loan has been sold several times and transferred to several companies. Shellpoint is not administering my loan in the terms of the original loan that I took out with XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am trying to dispute a collection debt with EQUIFAX, but it seems they do not have my credit file ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
My former mortgage company ( XXXX  ) sold my mortgage ( loan number XXXX ) to Shellpoint Mortgage company ( XXXX ) I sent my first payment on XX/XX/XXXX via my XXXX   XXXX  account. I sent the second payment on XX/XX/XXXX via my XXXX XXXX  account. Neither payment has been credited to my mortgage account. I am continuously receiving letters that my payments are outstanding. I have called multiple times. I am told to call back in 24-48 hours as they are " researching the issue ''. I have emailed multiple times and all I get back is a generic response that they are " looking into it ''. I just got off the phone with a man named XXXX XXXX who is supposedly overseeing my XXXX. His phone extension is XXXX He was extremely unhelpful and actually told me that he was not researching my account but he was in the unpaid accounts division. I don't know what else to do. I am going on three months of calling and emailing this company and noone can tell me where my money is. I emailed them verification of the money coming out of my bank account, I have done everything I know to do. I do not want to continue sending them my money but I also do not want my house to go into foreclosure. I never had this problem prior to Shellpoint Mortgage acquiring my account. Please advise me what steps I can take to resolve this issue as my husband and I are getting nowhere with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: GA

Complaint narrative:
I SUBMITTED A REQUEST TO REMOVE BANKRUPTCY INFORMATION THAT IS INCORRECT ON MY CREDIT REPORT. I DID NOT FILE BANKRUPTCY, A LETTER WAS SENT SAYING THAT THE INFORMATION WAS VERIFIED BUT THERE WAS NO PROOF THAT THE INFORMATION HAD BEEN CHECKED AN VERIFIED.

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 2019-04-03 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: GA

Complaint narrative:
I SUBMITTED A REQUEST TO REMOVE BANKRUPTCY INFORMATION THAT IS INCORRECT ON MY CREDIT REPORT. I DID NOT FILE BANKRUPTCY, A LETTER WAS SENT SAYING THAT THE INFORMATION WAS VERIFIED BUT THERE WAS NO PROOF THAT THE INFORMATION HAD BEEN CHECKED AN VERIFIED.

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 2019-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient was my previous loan servicer and they misinformed me about my eligibility for the Public Service Loan Forgiveness program. I was told in 2013 that I was in an income based repayment plan and discovered via a XXXX XXXX XXXXXXXX article that discussed similar complaints. I tried to address this issue which transfered my loans to a new servicer, XXXX which was also not helpful in fixing my problem. I need all recordings and documentation from Navient in order to support my case that my payments should have qualified under the PSLF program. I called Navient today and they will not release my recordings without a subpoena which is beyond my means to get. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: ID

Complaint narrative:
I am writing in reference to a dispute I sent to Experian Credit Bureau on XX/XX/2018 requesting to verify, validate, and provide evidence that they had the right to report the debt of {$1900.00} to XXXX. 

Experian did not provide the verifiable proof as I requested within the 30 days. All they did was send me an update on XX/XX/2018 updating a small piece of information they already had to meet the 30-day requirement. I specificially requested evidence as I had a right to. I have yet to receive the proof that they had the right to report this debt. I am requesting your assistance in verifying that each credit bureau followed the process according to the FCRA. Based on the fact that the verifiable proof was not provided within the 30-day dispute period, I request the debt be deleted from my credit file as they did not meet the deadline to provide the information. 

Please see attached correspondence originally sent to the credit bureau, and their responses. 

Item : XXXX XXXX Original Creditor : XXXX Amount : {$1900.00}

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 2019-04-03 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: MD

Complaint narrative:
I checked my credit report and noticed that I had 4 Hard Inquires so I called the XXXX XXXX XXXX XXXX XXXX, I called the company and the rep. told me that XXXX XXXX ran my Credit on XXXX. I never gave this company any authorization to run my credit I was never in the store, I spoke with a finance manger XXXX, and he said that my son told them that I have him authorization, I told him that was not true and I will like for it to be deleted of my credit and he said he would do it because by son said it was ok, I also notice that they ran my credit with another company 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
Consumer complaint received 2019-04-03 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: AES/PHEAA
State: FL

Complaint narrative:
There has been on time payment data removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CHECK INTO CASH INC.
State: FL

Complaint narrative:
Called and said I owed check into cash XXXX $ and XXXX XXXX XXXX out of XXXX, tx. Stated they were going to file felony charges at the end of businesses today. I would face up to 2 years In jail and a warrant would be issued. They refused to provode any written communication or validation of the debt. They also refused to provide an address for the business. They called my father in law and told him I was a criminal. When trying to further communicate with the business I was told my only option was to pay or go turn myself in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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:
There has been on time payment data removed from my credit file.

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 2019-04-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There has been on time payment data removed from my credit file.

Company response to consumer: Closed with explanation