vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Called by multiple numbers from multiple states. They called my wife and family members and provides my ssn on their voicemails. Threatened to sue me, seize my property, and freeze my accounts when I contacted them and told me they didnt care who I had talked to a week prior. Refused to provide any type of written documentation. Threatened to come to my home and job to deliver court documents that are not registered with ujs. Account is no longer on my credit report. Phone number where I reached someone was XXXX. When I refused to give a date and time I would be home he told me he didnt care if I missed my court date and hung up on 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 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Can not find my files on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
The principle of XXXX of my loans was paid in full at the beginning of XXXX. However, there remained some unpaid interest on both loans. I have automatic monthly payments, disbursed by XXXX. The automatic payments did not go toward the unpaid interest on those two loans for an unknown reason. Likewise, I could not manually pay the loans as XXXX 's website would not apply a payment toward loans with no principle. I called XXXX several times and was told that what I was seeing on my profile was incorrect and the two loans were completely paid off. So I was left without an option to pay the unpaid interest and was told that loans were, in fact, paid. However, the credit reporting agencies were notified that I was not paying those two loans and was past due ( past due for a monthly amount of {$0.00}, per the credit agencies ). I worked with XXXX to remove the note on my credit report but the unpaid interest issue remained. 

This week, I logged into my XXXX XXXX I saw that the interest had capitalized for those two loans. Except now my profile states that they are delinquent, having been overdue since XX/XX/XXXX. Additionally, when I called into XXXX I was told that the automatic payments I am making now are in excess of what I owe and I am paying ahead. My last payment ( XX/XX/XXXX ) covered XXXX 's bill but was also applied to XX/XX/XXXX. 

I have been paying XXXX for years on a automatic payment that they encourage in an amount determined by them. It is wrong of them not to apply my payments to pay off debt due rather than over charge me and pay ahead ( of which I can't keep account of on their website ). I am concerned that many of my payments have been equally misapplied. 

Lastly, XXXX refuses to provide me with a summary of my contacts with them. They keep dates and notes of when a customer calls or emails. I have called two or three times a month on these issues for several months. It is noted in my profile but they will not share that with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a business account with Wells Fargo Acct # XXXX We deposited a tenant 's check on Thurs. XX/XX/2018 of {$5600.00}. 

Below details from Wells Fargo online : Deposit Details Deposit Summary Category Amount Checks ( 1 item ) {$5600.00} Deposited Items Checks Item # sorted in ascending order Banksorted in descending order Account # sorted in descending order Check # Amountsorted in descending order XXXX XXXX XXXX ... XXXX   XXXXCheck image {$5600.00} Total Checks {$5600.00} On the following day they showed the funds with a hold. I contacted them and they said the funds were insufficient and would hold till XX/XX/XXXX to see if they become available. 

Below is a link with a jpg from the check issuer 's bank showing the check was cleared in his bank on XX/XX/18. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If it did clear why do they hold the funds? 
And if not in the past the bank would try to redeposit the following day and if still uncollected would mail check back to us. 
So we could try to collect a new check. 
Now they say they say they hold 11 days to see if the funds become available. 
Yet we spoke to them yesterday the XX/XX/XXXX and after threatening to file this complaint they decided to waive the hold time of 11 days and made the funds available as of the original deposit date of the XX/XX/XXXX. I believe based on the proof sent to my tenant from XXXX XXXX   that they've had the funds all along and have this unlawful practice of withholding the funds. 
Lets say the funds were not good in 11 days why hold the check that long and give us less chance of obtaining a new check. 
This is the second time we've had this type of situation with Wells Fargo. 
With another business account if a check does not fund on a second try they debit the deposited amount and immediately return the check for collection. 

If you need to call me I can be reached at XXXX. 

Thanks, 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 2018-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
So back in XX/XX/2016, when paypal among others were hacked. As a result i suffered heavy losses. My back account was linked to my paypal account. I still have the letter from paypal claiming that i was not at fault and that none of these transactions were authorized. I kept all the copys in my email account. I have been fighting this case since. There were multiple transactions of XXXX . One of my old paypal accounts was hacked into from a different state. I was living in texas at the time. And paypal sent me a warning that one of my accounts was hacked after the fact. Im missing over 3000 $ not to mention the nsf fees and the money from my checking account. I was told when i filed with IC3 and XXXX  that they would contact me asap. Only recently did i get contacted almost 3 years later. I really want to have my money returned to me as it was hard earned money from a dead end job. Paypal has tried many times to collect this debt from me dispite thier previous claims that i wasnt at fault. If you checked my old paypal account im sure you would see its still 3500 $ plus negative. This company has been XXXX me over left and right since that attack. I have lost countless money to paypal and being forced to open new accounts just so i could have a payment option. Please help me. I really want to sue them. Ive tried everything to get them to understand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: SC

Complaint narrative:
Dear Sir or Madam, I did not receive my student loan for XX/XX/XXXX8. I received checks in the mail that said sign it and the money is yours. I was in a rough spot and still am but I needed the money to keep going to school. I have contacted the loan institutions and asked for a lower payment and interest charge. They ( XXXX and XXXX XXXX ) are currently charging me 48 % and 79 % interest, respectively. 
They will not budge. They offer to let me borrow more money to pay the loan but that will not help. They are only sending out these checks to poor neighborhoods. 
I do not know if there is anything I can do but feel it should be reported as predatory lending practices. 

XXXX XXXX - {$1900.00} loan ( 48 % interest ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX : XXXX XXXX , XXXX XXXX & XXXX XXXX ( {$920.00} loan - 79 % interest ) https : XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX For the record I have contacted all other reputable credit card companies and they have worked with me to reduce my payments and interest temporarily. None of them had the high interest rate that comes close to the two companies above but they were all willing to work with me to help me resolve my debt problem. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Siggi LLC
State: NY

Complaint narrative:
Good afternoon the company below is still effecting my credit. The debt has been in default for more than 6 years. The last payment was made on XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, NV XXXX Owner XXXX XXXX Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 2 Balance {$4700.00} Date Opened XX/XX/XXXX Amount Past Due {$4700.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount {$140.00} Months Reviewed 4 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1900.00} Balloon Payment Date Balloon Payment Amount Loan Type Note Loan Date Closed Date of First Delinquency XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I was enrolled in an auto payment plan with Navient and they just stopped taking my payments out with out my knowledge and turned me into the credit bureau for non payments and I just found out. Now my credit score is too low to get assistance in refinancing. They also harass me by calling me at least 10 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: AR

Complaint narrative:
On XX/XX/18 I received an email from Chase about a suspicious charge on my XXXX XXXX VISA card in the amount of {$490.00}. I immediately contacted Chase to confirm that the charge was fraudulent and they removed the charge, cancelled my old card number and issued me a new card. 

AT THIS POINT, I THOUGHT THE MATTER WAS COMPLETELY SETTLED. 

However, the charge of {$490.00} reappeared on my XXXX statement. When I contacted Chase again, they said they put the charge back on my account because a package linked to this charge was shipped to my address. 

Again, I informed them that I did not make this charge and never received any packages. I also informed them that someone set up a fraudulent XXXX My Choice account linked to my address and this time, mostly likely, to intercept the package. I have a police report to document this. 

In spite of this information and repeated calls made in an attempt to settle this matter, Chase refuses to remove this fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18 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: MS

Complaint narrative:
Affidavits Attached XXXX XXXX-XXXX v. XXXX XXXX XXXX, the judge through that case ruled that the court can not just rely on computer generated documentation, instead the court has to do an investigation. Upon contacting XXXX XXXX, XXXX, and Transunion, and XXXX  in reference to an unverified bankruptcy reporting on my credit reports that they maintain under my social security, noting that XXXX XXXX had an inaccurate social security number reporting. 

Looking into my Transunion report, on it's website ( https : //www.transunion.com/XXXX ) it listed XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( `` XXXX '' ) as a provider of the bankruptcy information to TransUnion. FCRA Section 611 ( a ) ( 2 ) requires Transunion and XXXX XXXX to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX and Transunion report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a  violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Affidavits Attached XXXX XX/XX/XXXX-XX/XX/XXXX v. XXXX  XXXX XXXX, the judge through that case ruled that the court can not just rely on computer generated documentation, instead the court has to do an investigation. Upon contacting XXXX XXXX, XXXX, and XXXX, and Equifax in reference to an unverified bankruptcy reporting on my credit reports that they maintain under my social security, noting that XXXX XXXX had an inaccurate social security number reporting. 

Looking into my XXXX report, on it's website ( XXXX : XXXX ) it listed XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( `` XXXX '' ) as a provider of the bankruptcy information to XXXX. FCRA Section 611 ( a ) ( 2 ) requires XXXX and XXXX XXXX to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX and XXXX  report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX services I had never apply for their service and I got a credit inquire from them on XX/XX/2018. I had call them at XXXX and they could not location an account with my social security number, so they advised me to dispute with consumer financial gov. 
As well two other inquiries from synch on XX/XX/2018 they number is XXXX. XXXX on XX/XX/2018 did an inquiry without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XXXX services I had never apply for their service and I got a credit inquire from them on XX/XX/2018. I had call them at XXXX and they could not location an account with my social security number, so they advised me to dispute with consumer financial gov. 
As well two other inquiries from XXXX  on XX/XX/2018 they number is XXXX. Brclysbankde on XX/XX/2018 did an inquiry without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
My loan payments with Specialized Loan Servicing ( SLS ) was  paid current through XX/XX/2018. I sent in the XXXX payment in the amount of {$550.00} on XX/XX/XXXX and 18 days later, the check still had not cleared the bank. The bank advised me to stop payment on the check, which I did. SLS contacted me shortly thereafter asking about the payment and I informed them about the stop payment. A couple weeks later, I tried contacting them with the phone number they provided me so that I could pay the XXXX payment by phone. I could never get through to them. Nothing was done in XXXX because I was unable to contact them. On XX/XX/XXXX, my daughter was able to contact them and talked to someone regarding the back payments. They told her a phone payment could be made and we provided them with the checking account no. and routing no. A payment was made over the phone and a confirmation no. was provided us. As of today, XXXX XXXX ( 12 days ) they still have not received payment and the money is still in my checking 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 2018-10-18 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: LLOYD'S PLAN, INC.
State: IA

Complaint narrative:
In XX/XX/XXXX I cosigned a loan with Lloyd 's Plan in XXXX XXXX Iowa. The Loan was extended in XX/XX/XXXX and my mother defaulted on the payments. At that point I recvied no contact either by phone or mail from them. They garnished wages from my mother and I was never notified of any issues with payments. They said they mailed information but I never recvied it. Nor, did I recieve a call. 

On XX/XX/XXXX I spoke with XXXX at the office. She even stated that it was completly mishandeled and wanted to do something to help me. I called and spoke with an office manager named XXXX who was not helpful at all and basically said oh well and it was my responsibility, not thiers to keep up on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: MS

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, UNIVERSl1Y OF 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 2018-10-18 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX  XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX, XXXX : XXXX, XXXX OF XXXX Equifax : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: TX

Complaint narrative:
inaccurate information on credit report no knowledge of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Specified Credit Association, Inc.
State: MO

Complaint narrative:
Specified credit association called my employer without permission. Stated that now that they have verified employment they can go for wage garnishment. They call my cell everyday multiple times and have mailed out several letters regualr and certified. Now they are calling my employer. This is harrasment and the medical bill from my sons dr isnt even that old.

Company response to consumer: Closed with explanation