vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA and Hipaa violations. I have no knowledge of fraudulent credit card and medical collections on my Experian credit report. FTC Identity Theft Report No. : 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 non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This is in regards to my account ending XXXX. For about 3 months now, Synchrony XXXX credit card has been incorrectly applying my monthly payments. They take the payment and apply it to the last month 's bill. Then they claim that I owe them for the same month -- that I owe them a second payment. I have chatted with them online. They always correct the problem and remove the late fee. But this keeps happening. I called them this time and tried to talk to their CSR to get this resolved. He just kept saying that the system said I owed it and therefore he was admit that I owed it. I need you to fix this problem... forever... long term... permanently. The way that they are doing this it is taking advantage of people like me. We pay our bill each month, albeit early in the month before the due date on the XX/XX/XXXX of each month. But because they have an inadequate system that can not recognize that a payment has been made for the current month and apply it to what will be due at the end of the month I have to repeatedly call in and tell them that the payment was not a duplicate -- that I am not late -- that I have already paid them once that month and not required to make two payments in each month. Up until now they have resolved this. This is absurd.

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 monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX was originally debt collectors and account was sold to XXXX XXXX. XXXX sent a letter to me XX/XX/XXXX stating that they ceased all collection on behalf of XXXX. The account was later sold to another debtor which is XXXX XXXX. I have attached credit reports from XX/XX/XXXX showing XXXX was the current collector and now in XX/XX/XXXX was sold.

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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to remove an inappropriate collection from my report with Experian. Not only has the online investigation been biased and inappropriate, but they have made it impossible to reach anyone for assistance. A fraud alert was just placed on my report by the automated system because I wanted to speak with a representative. It is not an appropriate response to my request. I want experian to be reachable so this issue can ve resolved.

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 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA and HIPAA violations. I have no knowledge of the fraudulent collection activities on my Equifax credit report. FTC Identity Theft Report No. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, I am writing to you because I am extremely dissatisfied with Navient. Everyone I overpay, my percentage goes up. It is now up to TEN percent. Close to a 2 % increase just within the last year. 
I have been making payments and trying to catch up, as if 8.25 % wasn't bad enough. These are student loans, not credit cards. Double difficult territory should be forbidden. Some companies don't even pass 7 %. I wish I had more knowledge when I applied out of highschool a decade ago. 
I called them about a year ago, stating that I have been a long time customer and I would like to have my percentage lowered. They said that there is nothing I could do and that rates were set by the lender ( which is you, hello? ). 
Frustrated, I started to overpay to try to dwindle the loan down a bit. I have had economic hardship for the last several years before I called them due to raising a son alone and not working full-time to be there for him more. Finances are important but I won't slave away just to pay some company faster. 
I have done what I can. I have received offers for refinancing but it's been difficult trying to swap with my employment being scattered. 

I would like to sue Navient for increasing my percentage, not recording my last payment until way later ( have an email about this ), poor communication, a messy and hard-to-follow website, ride customer service representative, lack of compassion for the graduate, losing my cosigner release application, and for not listening to my needs. 
At the very least, I would like a fixed percentage of 7 % ( refinance ). 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA and HIPAA violations. I have no knowledge of the fraudulent collection activities on my Transunion credit report. FTC Identity Theft Report No. : 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 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was told a supervisor was going to call me and never received a call. 

This is associated with another complaint : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: U.S. BANCORP
State: AZ

Complaint narrative:
I was in the process of refinancing my house and the title company and US Bank fail to send the payment before the due date.

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 2018-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
My problem with NMAC is they reporting negative information on my credit and they saying I am missing payments when I am not. 
I sent them a certified letter requesting information for my account but they never responded. I then contacted the XXXX XXXX for help they reply was they are correct and they will send the information to XXXX XXXX. But I never receive any information from NMAC. I contacted XXXX again reporting the outcome from their help. I have yet to hear from them again. 
I do have the right to have a paper statement and NMAC refuses to send to me. NMAC put my car into repro status why when they are stopping me from paying my car off! Here my email to XXXX   Dispute Resolution Associate XXXX Serving XXXX XXXX Texas XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX Start With Trust -- -- -Original Message -- -- - From : XXXX XXXX [ XXXX : XXXX ] Sent : Friday, XX/XX/2018 XXXX XXXX  To : Complaints XXXX Subject : Unfair business Practices Complaint ID # : XXXX Business Name : Nissan Motor Acceptance Corporation I XXXX XXXX has not been made whole as of yet Nissan  still have not sent a letter explaining their actions but they did allow me to make payments on the website. I went on their website changed it to paper statements they have yet to send me a paper statement they still practicing unfair treatment to customer. I would like a itemized statement of my account whats so hard about that please in my reply to them my next step Im calling the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I have hard inquiries on my credit card file for things that I did not apply for and it is affecting my credit. 

XX/XX/XXXX - XXXX XXXX  ( Hard Inquiry ) XX/XX/XXXX - XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX Card ( Hard Inquiry ) XX/XX/XXXX XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX Payments ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX XXXX ( Collection ) These companies have hard inquires all over my record and it is negatively effecting my credit score. This is ridiculous and these companies should be tarnished.

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 2018-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I was contacted via my personal cell phone by a woman from XXXX who identified herself as being with XXXX XXXX. She left me a voice mail to call her on a different number XXXX ext XXXX about an urgent matter and that I needed to call her by XXXX. 

I have no open accounts with any creditor other than a mortgage. I decided to call this number back from a different phone on XX/XX/18. I was pressed by the agent on the other line to give my phone # that I was called on and when I refused they asked for my social security number. I gave neither items. The first lady I spoke with gave me a PO Box with a zip code of XXXX. When I pressed her for a physical address so that I can come to their location and speak to a manager they transferred me to a XXXX XXXX. He also pressed me for my social security number and refused to provide nothing other than a PO box address. XXXX XXXX XXXX XXXX OH XXXX. The first lady may have transposed a number but it seems odd that an employee would do that. 

This may be a completely legitimate company but their collection and contacting practices are aggressive and predatory. When googling the name of the company this appears to be a legitimate bank but their communication tactics are questionable. 

I attached the voice mail left on my cellphone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 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: NC

Complaint narrative:
3 account from XXXX XXXX found in my credit report which I do not know or had business with. I file dispute with Experian and it appeared two of the accounts are deleted. One account still remains in my report and do not know the reason they keep one and delete the others. 
If two account for the same company were deleted I need to know why the third one still there? 
The company has been damaging my credit report since last year without my knowledge.

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 2018-05-08 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: PA

Complaint narrative:
I have hard inquiries on my credit card file for things that I did not apply for and it is affecting my credit. 

XX/XX/XXXX - Discover Bank ( Hard Inquiry ) XX/XX/XXXX - XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX ( Hard Inquiry ) XX/XX/XXXX XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX Hard Inquiry ) XX/XX/XXXX - XXXX Payments ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX XXXX ( Collection ) These companies have hard inquires all over my record and it is negatively effecting my credit score. This is ridiculous and these companies should be tarnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
i called wells Fargo on XX/XX/XXXX to report my debit card had been used fraudulently and I needed to file a claim. the lady I spoke with went over everything with me and said she had opened the claim and that I would receive a temporary credit while the charges were being disputed. I was told she would sent this to the next dep't and it would be one or two days for the credit. to this date I've not heard nothing or have I received a credit for the disputed transactions. it is my understanding that they have 10 days to issue a credit which is up on the XXXX but the representative should have informed me that it would be 10 days.

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 monetary relief
Consumer complaint received 2018-05-08 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: MD

Complaint narrative:
I got a two-part in 2000 and loan one for one for {$1200.00} the other one for XXXX I received {$1200.00} but not the XXXX then I receive documents that stated XXXX was refunded and XXXX was paid out which doesn't make sense out of the {$870.00} I tried to call and resolve the matter with no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX I sent a Goodwill letter via email to the CEO of Capital One. In the letter I described the reason why I had fell behind the year prior on my payments and asked that they be removed due to searching for a home. On XX/XX/XXXX, a representative from Capital One called me to state that she received my letter and asked follow up questions. The representative also stated that I would have an answer by XX/XX/XXXX end of day. On XX/XX/XXXX the same representative called and stated that she could no remove the late payments. When asking the representative why I was denied, she stated that she had no answer. I then ask could I appeal the decision, the representative stated yes but that it wouldn't change anything. I did not make a payment between XX/XX/XXXX and XX/XX/XXXX due to moving to a new state for employment. During this time my wife could not find a job and I was unable to make the payments on time. Before XX/XX/XXXX and after XX/XX/XXXX I have made on time payments. I am working towards repairing my credit and searching for a home and this is one of the items hindering me from progress. I was financially unable to make the payments, however when I regained financial stability I continued to make on time payments and I have not missed a payment since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is one inquiry on Equifax that was fraudulently done.I went on XXXX  and file an Identity Theft Report. FTC report number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 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: WA

Complaint narrative:
On XX/XX/XXXX : I received email correspondence from Navient stating that I had an upcoming payment due. With a due date of XX/XX/XXXX. I called them on the phone to discuss this, as my loans were paid off in XX/XX/XXXX. I spoke with XXXX  ( employee # XXXX ) who said I was accruing interest daily and need to pay my bills. When I explained to her there must be a mistake, my loans are already paid. She was unable and unwilling to tell me why there is a debt posted to my account after several years. I requested an account history and payment information, she refused to provide this to me. 
After the phone call, I logged into my Navient account where my account has been changed to reflect a debt of XXXX. The posted due date online was XX/XX/XXXX ( which is different then the email that said XX/XX/XXXX ). 
A few days later, I received an email from Navient saying there was new information in my account. I logged in to find that my account information had again been edited to now show I was 210 days past due on this debt and in default. There were also new letters added stating they had been attempting to notify me, this never happened prior to XX/XX/XXXX. As well as letters saying my account was over paid and refunds were made. The letters stating my accounts paid in full are also now missing from my account, but had been there previously. I also have copies of my paid in full letters. 
In summary, Navient is attempting to retroactively charge a debt to me that is not mine. They are wrongfully changing my account information. They are unable to provide an explanation for the debt and are threatening me by phone and email to garnish my wages for a debt that is not mine and can not be explained. Each person who calls gives me different information, there is no consistency, no attempt to hear my side, or investigate the entire situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XXXX XXXX XXXX, I was on XXXX and I selected the " PayPal Credit '' option upon checking out. Soon after authorizing Paypal Credit as the method of payment, I received a decline notice. To my surprise shortly after, I received a confirmation email from XXXX. As per my review of my Paypal account, I realized Paypal denied my Paypal Credit application and withdrew the funds ( {$1600.00} ) from my debit account without authorization. I have contacted Paypal on numerous occasions to settle the unauthorized transaction detailed above to no avail, please see below for my summary of each attempt to settle this issue : 1. XXXX : I called Paypal and advised them that the funds were incorrectly withdrawn from my personal debit account. The agent stated he could not explain why that happened since I explicitly chose Paypal Credit within my checkout option. The Paypal customer service representative advised me to issue a stop payment with my bank and stated that doing so would trigger a refund on behalf of XXXX. 2. XXXX : I contacted Paypal after receiving an email stating that my Paypal account was - {$1600.00} and that I owed Paypal the same. After speaking with a Paypal customer service representative they opened a dispute ticket in an attempt to resolve the issue. On this phone call the customer service representative stated that Paypal will attempt to negotiate a refund via XXXX and if that did not work Paypal will issue the refund and in turn, my account would show a {$0.00} balance. 3.  XXXX  : I contacted Paypal to follow up and after speaking with numerous agents ( 4 - 2 customer service representatives ; 1 supervisor ; 1 dispute manager ), the dispute manager stated that the I entered in an agreement with XXXX which allowed Paypal to disclose my personal banking information and authorized them to withdraw funds. My Issue : Please note, there isn't any disclosure of this when selecting Paypal Credit as a payment option. I have read through XXXX 's Purchase Policy, XXXX 's Terms of Use, and Paypal 's Terms of Use and there is no mention of such agreement. Furthermore, the Paypal dispute manager stated that I have selected for my debit account to be used as a backup account in the case of a credit denial. That is incorrect. I have never opted for my debit information being used in the instance of a credit denial. What I have done is use my debit information to pay my Paypal bill and pay invoices. At no time did I grant Paypal the authority to use my banking information at their discretion. Finally, adding insult to injury the dispute manager at Paypal stated that this is an agreement that Paypal and XXXX have in place in order to " sell '' tickets. The one and only endgame here is stripping people of their money whether it has been authorized or not in order to give them monetary gain.

Company response to consumer: Closed with monetary relief