vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
XX/XX/2020 at XXXX XXXX I sent {$63.00} to a pay pal account I thought was going to a woman who told me she had electronic XXXX lock in tickets ( a trampoline park in town that does lock ins for certain ages a few times a year ) She said she had a few that she couldn't use. I offered her a price she accepted she told me to send it via pay pal friends and family. I don't use paypal very often so I asked what the difference was. She said none she just like to use that one. I should have trusted my gut but I didn't and sent it via friends and family and didn't know any different this person told me multiple times they were not going to scam me! Then when I sent the money they said oh it will take 2 hours to deposit to their account. And that they were not going to transfer the tickets to me until then .... Then she deleted me from social account we were on to talk to get the tickets to begin with. So NOW I'M OUT {$63.00} and no way to dispute this??? NOT OK!!!!!! She just worked the system and its not ok! I contacted Paypal to try to cancel the transaction and was told to contact the receiver as they were the only ones who could give a refund at this point. I am beyond myself as a working mom of XXXX boys this is not ok! Now my boys don't get to go at all tonight thanks to this persons need to scam me for {$63.00}!!!!! The persons email address is XXXX name says XXXX XXXX and on XXXX the social media profile we were talking on was XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14 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: FL

Complaint narrative:
I Have been a victim of Identity Theft. I Did not Authorize These Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: FL

Complaint narrative:
I Have been a victim of Identity Theft. I Did not Authorize These Accounts.

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 2020-03-14 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: Nelnet, Inc.
State: CA

Complaint narrative:
They sent out emails about updating my income for my repayment plan. I tried to do this on their website to which I received a 404 error, several times and across several days. I emailed customer service for help and even included a screenshot of the error and received no response. I also filled out a form on their website and they did not even read my issue as their response was generic information about the repayment plan. Without further communication from their customer service team my payment went from {$250.00} to {$1700.00}. Additionally, this isn't the first time I've had communication issues with this servicer, their customer service is horrendous. I do my part and pay on time every month. They should do theirs and SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX Capital one Card inquiry on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2020 opened formal written correspondence certified letters to each credit bureau disputing inaccuracy of each credit balances, hard inquires, derogatory remarks, no late pays and balance due. XXXX XXXX, 2-XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. Each credit bureau have not responded in a timely fashion dated XX/XX/2020 certified letter via USPS. Attached One dispute letter sent to each credit bureau dated XXXX for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2020 opened formal written correspondence certified letters to each credit bureau disputing inaccuracy of each credit balances, hard inquires, derogatory remarks, no late pays and balance due. XXXX XXXX, 2-XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Each credit bureau have not responded in a timely fashion dated XX/XX/2020 certified letter via USPS. Attached One dispute letter sent to each credit bureau dated XXXX for reference.

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 2020-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial Bank sold an account together with all my personal confidential information to XXXX XXXX XXXX, info like SSN, Names, Mailing adress, Birtday, Phonenumbers etc etc. After that XXXX XXXX  XXXX start calling me and harresting me true phone calls and mail letters I dispute for almost 8 months this account, asking for signed contracts between me and them, bill statement that show for how much they bought this account and my personal confidential information and any autorization that proof they have the right to use all my information. Months after months this company send me letters stating this account has been validated under my name and belongs to me. Finally XXXX XXXX XXXX closed this account and deleted all reporting from the credit agencies. BUT TILL THIS DATE NONE DOCUMENTS HAVE BEEN MAILED TO MY ADRESS THAT SHOWS FOR HOW MUCH THEY BOUGH ALL MY PERSONAL INFORMATION AND I AM STILL AFRAID THIS COMPANY WILL USE MY PERSONAL INFORMATION FOR MALICIOUS ACTIVIES FURTHER UP. IN THIS CASE ALLY FINANCIAL AND XXXX   XXXX XXXX ARE NOT COOPERATING IN MY REQUEST OF THE DOCUMENTATION ABOUT THE SELL/BOUGH OF THIS 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 2020-03-14 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: DISCOVER BANK
State: TX

Complaint narrative:
I was told by their agent my credit card is closed and a letter dated XX/XX/20 was sent to me to explain the reason. I never did receive the letter I called them again XX/XX/20, The agent told me the letter was not sent, I was told this time, the letter will be emailed to me within 2 business days. I did not receive it yet. 

I believe my card was cancelled due to race discrimination and they do not have a legal reason to cancel my card. 

All I want is a letter of cancellation..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Our auto, financed through Chase Bank, was in an accident and declared a total loss by the insurance company. The insurance company mailed the payoff check ( delivery was confirmed XX/XX/20 ) to Chase Bank. This was over two weeks ago. Weve attempted to find out why the loan hasnt been paid off yet and were told that the check is in the mail room. We ask for it to be processed and theyve said they will when they find it. 

In the meantime we have been charged late fees and daily interest charges totally $ XXXX since they have held our payoff check. We have asked for these charges to be removed and were told that they will not do that because its your responsibility to pay the loan, regardless of our processing time. 

They have our money ( certified check ) and wont close out the loan and continue to ad charges and fees. After multiple calls, I now believe this is fraudulent and intentional. They seem to know that the average person has no reasonable recourse. Any help would be much appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian notified me on XX/XX/2020 that there were changes to my credit balance and usage on my credit file. I then followed the link provided ( verified it was to Experian website ) and then tried by entering the URL myself. I logged in using my userid and password which were accepted but the site kept taking me to a page where I could request and free credit report but, to do so, asked me to log in to my account and then took me to the same log in page as before. It is recognizing my account and password as if I enter either invalidly, I receive an error. No other option is being provided for me to review the account, NOTE : my credit accounts with all agencies have a freeze applied. This may the be reason I can not  see my own account BUT there is no error message indicating a problem, just circular logic that keeps asking me to log in from a page for a free credit report which ten takes me back to the same page. 

I tried contacting Experian via the provided number XXXX where I am presented with an automated menu that provides no way to talk to an actual person. I have tried all the menu options and there are none that addresses the problem of not being able to see the reason for sending me an email about account changes and then asking me to log in to my account to review them Any attempt to go around the automated menu results in a hangup.

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 2020-03-14 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: VA

Complaint narrative:
I have asked Transunion to abide by the land of the law while reporting information on my credit file. Transunion has failed to maintain accurate information and has refused to follow the laws under the FCRA section 611 I have challenged the reporting and compliance on  an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are not reporting any positive payment history. I have contacted XXXX XXXX and they have ensured me that they have not reported or furnished Tranunion with any documents showing payment history. Your improper procedures are highly damaging to my credit score. Please  immediately delete this account item. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of  Verification. I do not consent to e-oscar or reports from XXXX or any means of automated verification. A human verification of documents is required with a copy of returned findings of documents sent to 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 2020-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XXXX XXXX I sent a validation letter to Resurgent capital services, for a collection debt that showed up on my credit report. On XXXX XXXX they sent a validation letter with three pages. The first page was resurgent information, page two consists of the fair debt collection practices act information, and the third page consist of XXXX  XXXX XXXX credit card statement. The XXXX  XXXX XXXX  credit card statement was dated for XX/XX/XXXX through XX/XX/XXXX, with a debt of {$63.00}. 
On XXXX XXXX I called Resurgent at XXXX and spoke to XXXX. I advised XXXX that I was calling because I would like to settle my debit with resurgent but I had some questions about the debt that is due. I let XXXX know that on the statement that was sent to me from Resurgent for XXXX XXXX XXXX credit card, stated that my balance was only {$63.00}. XXXX was confused and put me on hold several times, the only explanation XXXX can give me regarding my debt, was that it was due to late fees and other charges.I advise XXXX that I would only be paying the amount my XXXX XXXX XXXX   credit card statement stated that I owed. XXXX said that he was not sure but that on his end the debt is {$550.00}. I refused to pay {$550.00} as thats not the debt that was validated by Resurgent. I  advised him that I would like to pay the full amount of {$63.00}, as that was the debt amount Resurgent sent me on XXXX XXXX XXXX  card credit statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: AZ

Complaint narrative:
I let this company know before I changed home owner insurance what the name of the new company was back in XX/XX/2020. I notified them by telephone, sent them 2 emails, 2 faxes, followed up with multiple phone calls. I was assured that they had mailed my payment. I called them back because I was notified that my payment had not been received at the new homeowner insurance company. Now again 3 weeks later I receive notice that my home owner insurance has now been cancelled. I am now sitting in a house with no homeowner insurance. Every time I call the mortgage company I am told I have no way to speak to the insurance department because they have no phone line. That is unacceptable. I am also told I can not speak to a manager. I now have increased car insurance, increased umbrella insurance cost all because they did not pay my insurance. I will no longer pay on my mortgage or give them their escrow back until they figure out with my insurance company how to pay my claim or transfer me to another mortgage company. I see now why my original lender changed to a different company and I want to change to her company at their cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
This debt does not belong to me. Its an ongoing issue with fraudulent accounts appearing in my credit report. First it was XXXX, however now its trans-union. This account is from CBR USA. I have intentionally refrained from using credit as I am a XXXX  veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian continuously report an address that Im not associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va, XXXX or any variation of this address please adhere to my extended fraud alert I have never been associated with this address

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 2020-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
i was on the phone with capital one and told them i will have to money available to pay the credit card off in a week to which therefore they still sent me a notice saying i had not paid them and then sent another notice and phone call i had not paid them when it wasn't a week yet to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I just finally received my Capital Credit Card bill which was due in XXXX. However, I did make the XXXX payment under XXXX which was the number on my card. They deactivated that card and now I have a new number but I only know it says XXXX on the bill. I can not sit there and answer so many questions as I had an accident and in XXXX XXXX XXXX XXXX XXXX. My doctor said it is XXXX XXXX XXXX XXXX. 
It took many weeks for this statement and it was difficult to make a payment but they told me to on XX/XX/XXXX, so I did so as my payments are due on XX/XX/XXXX so it was early so what are they complaining about. 
For weeks they refused to change my address. Now I do not even know the card number but only the last four digits of the card. 

They say it is an open account but refuse to issue a card. I received a letter last week to call in and they would send the card but have refused to do so. When I called they asked for the correct extension which I could not provide so they hung up. 

If they could send the bill to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX why not the card which I am still waiting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I have been reviewing my credit reports constantly because I am trying to purchase my first home and noticed you have me in collections dating back form XX/XX/XXXX. I have sent several letters to Monterey Financial and received no response in any form! This account is listed twice on XXXX  and XXXX Reports only and has been since that date! Thats violating the Fair Credit Reporting Act and I was also just told by the Federal Trade Commission that it is illegal to post multiple dings for the same thing on your credit report. Also, the balance that is being reported is incorrect! You are reporting that the balance has tripled in fees /interest and this is a violation of the Fair Debit Collection Practices Act! You are making false statements regarding the total amount of the debit! 
I spoke with some rude lady on XX/XX/XXXX and she refused to discuss my account with me when I mentioned I had spoken to an attorney about this matter. When I mentioned it be reporting twice on each one of my credit reports and that it has been damaging my credit for a long time, she said she would make sure it was listed as a charge off and remove the tradelines from my credit report. I am giving you this opportunity to rectify this awful situation and remove this from my credit reports and provide me detailed copies of the information. If not, I will move forward with legal action. I know my rights and you have caused me mental stress over you maliciously

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: CA

Complaint narrative:
This debt does not belong to me. Its an ongoing issue with fraudulent accounts appearing in my credit report. First it was XXXX, however now its trans-union. This account is from XXXX XXXX. I have intentionally refrained from using credit as I am a XXXX  veteran.

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 2020-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
I have a collection with Enhanced Recovery Company LLC, for an account with XXXX XXXX that was opened in XXXX Florida in XXXX. As of XX/XX/XXXX, my address is XXXX XXXX XXXX XXXX, XXXX NJ XXXX and my cellular service is with XXXX XXXX, so is my home internet service. I have never opened an account with XXXX XXXX. I have disputed the debt with Enhances Recovery who continues to put the debt on my credit report. They have not provided anything to suggest I opened this account. No mail, nothing. Just a collection on my report for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
In XXXX we bought a condo and used XXXX XXXX. In XXXX ( I believe ), PHH mortgage bought or otherwise took over servicing the loan. 

The condo is now for sale and has a contract. The Title search has revealed that PHH neglected to file the correct paperwork. This means we do not have clear title and can not sell the condo. This is beyond unacceptable. 

Further, I've been spending a great deal of time on the phone with their customer service team - including the so-called " Escalation Manager ''. These people refuse to help in any way shape or form. 

My contract is past due and at risk of falling through because PHH mortgage 's off-shore customer support team ( it's a stretch to call them " support '' ). 

I'm sure PHH would be willing to fix this problem if I ( or the Closing Officer ) could simply talk with the correct person. 

This is definitely a matter of gross negligence on the part of PHH. One would think that they would be more interested in fixing it.

Company response to consumer: Closed with explanation