vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I called Santander and we agreed to a settlement. Upon completion of the settlement on my part they reported to the credit beauru a XXXX dollar balance but they have it showing derogatory on my credit reports. When I have fulfilled my end they did n't report accurately I sent in good will letters to remove late payments and account but had no response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: FL

Complaint narrative:
silver cloud financial charges a lot on there interest. I feel with the high interest this account would be pay off already. I have already pay XXXX on my loan. interest is very high. my fault for not looking at that more. the interest is 831.1206 %. I would like to have account pay in full and name removed from the website and company. I no longer want to be in that trap with high interest on a installment loan. I now understand them more and do not want to be part of that. please remove and correct. thank you

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 2017-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Per optimum outcomes letter dated XX/XX/XXXX they stated, You have not made the requested payment. We thus will continue our collection efforts. I am exhausted with communicating with optimum outcomes and credit bureaus to have these items deleted off my record and credit report as these were covered by XXXX. I called Optimum Outcome numerous times from XXXX to present time explaining that balance from XX/XX/XXXX of {$27.00}, XX/XX/XXXX of {$52.00} and XX/XX/XXXX of {$55.00} totaling {$130.00} were covered by XXXX. I have also called original provider XXXX XXXX XXXX, credit bureaus XXXX, XXXX and XXXX to state that these dates of service were covered as well. Please be sensitive to the fact that on XX/XX/XXXX XXXX I went into XXXX XXXX XXXX. ; I was put into an XXXX XXXX primarily due to a procedure called XXXX. The procedure performed caused my XXXX XXXX to XXXX due to XXXX XXXX in my XXXX. My XXXX lasted from XX/XX/XXXX to XX/XX/XXXX ; hospitalizing me until XX/XX/XXXX. After hospitalization, I spent my recovery at home and felt well enough to start looking over my financials sometime in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — I do not know
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: Integrated Recovery Services
State: FL

Complaint narrative:
Integrated services is trying to collect a debt from me, I 'm not sure where the debt is from. The most recent call that was received was on X/XX/17, the caller stated that her name was XXXX XXXX, calling from integrated services legal department and she wanted a statement before X/XX/2017 to give her client because they were filing fraud charges against me, which would be forwarded to my county and an arrest warrant would be issued. Then she called my estranged husband, his brother, sister and mother, as well as my XXXX year old son and XXXX year old daughter 's phone and told them she was calling from integrated services to offer me a settlement. I also have several voicemail 's on my work phone. I called the number back ( XXXX ) and asked them to stop calling my estranged in-laws, children and my job and giving them my information. My soon to be ex-brother in law knew way too much information about my situation. ( Is that considered that defamation of character? ) I need help to stop them from harassing other people over a debt that is supposed to belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: PR

Complaint narrative:
I 've first contacted Transunion with an issue on credit inquiries not authorized by me and was oriented to contact each company to request them to be deleted directly from them, each company told me they do n't do that even if its not authorized. Called again Transunion and customer service representative told me they do n't erase unauthorized credit inquiries, that I have to request each company a letter requesting for the delete and send each one by  mail to XXXX XXXX XXXXXXXX, XXXX, Pennsylvania XXXX. The representative was more than rude and was not in the position to help me with the issue knowing that is something that affects 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 2017-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sent my item and never got my payment. I 've waited 2 months and my payment never was received I 've been robbed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I set up reduced payments with Navient in XXXX 2017 because I could not afford the monthly payments. I was told to select a date I wanted payments and they would auto draft. I selected the XXXX of each month. My regular payment due date was the XXXX, and I was advised that my due date would be adjusted automatically to reflect the XXXX after 3 months of on time and successful auto-drafted payments on the XXXX. This was after I called in about 2 months into making these auto payments to question why it was n't reflected. It is now XXXX, and my due date has not been corrected. I called today to try to resolve that as well as update the bank account information for my auto payments. I was transferred 4 times, with each associate telling me they could n't make those updates, only someone in another department ( the one I just spoke with ) could do it. On the last call, the associate answered and then never spoke- literally sitting in silence on the line. I waited because I could hear them making some noise as if they were reading out loud, so I assumed she was reviewing the comments. Then suddenly I was going through an automated prompt to rate the call and customer service. Well, all of the calls and customer service was rated the lowest possible. After speaking with multiple representatives, no one helped, kept passing me back and forth to departments with long hold times, and in the end, they dropped my call. One of the associates did indicate that because my payments were coming in after my due date, I was probably being assessed a late fee ( which after review I see the 2 late fees I was charged had been refunded, so they were again wrong ) and that she would put in the request to change my due date but it would n't reflect on my account until after this month, so once again I will appear to be late. And if this is n't processed, I will have to wait another month to see the change. I was transferred after that and did not receive any confirmation of this change request being processed, and because it took almost a half hour to make no progress, I did not call back. I also was unable to update my payment information- they are making it needlessly complicated to manage this account and my repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On X/X/17 I spoke to chase about charges to my account that were n't authorized by me. ( XXXX XXXX XXXX {$89.00} and  XXXX - {$87.00} ) I put in a claim and they reimburse me. On X/X/17 After the investigation they gave the company back the money on ( X/XX/17 ) said they had enough proof ( the Proof was My address and Phone Number ) to claim I did order the products and there was nothing they can do and I should call the company XXXX. I told Chase this was unacceptable and this is not proof. I lost this dispute because they verified my Address and Phone number - Not proof of delivery, not a Signature Not an Email Address or Chase Rep. told me today, they could n't verify my IP Address this purchase was made from. I called the company XXXX this morning and they told me they notice I did dispute the charges and I lost the dispute and there is nothing I can do. *Attach is the proof of unauthorized funds taking from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting incorrect information on my credit report. Several attempts via phone and US mail informing Transunion of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX  attempted to send several correspondences to correct wrongful information on Transunion reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 4. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.

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 2017-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We have been trying to obtain a mortgage discharge for two months from Bank of America. They did provide us with a copy of a lien release but it was incorrect. We have been requesting a corrected mortgage discharge from Bank of America on a daily basis and we are not getting results.

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 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I do n't know whats going on over at PNC bank, but this place has notoriously slammed me with the most obscene overdraft charges. Once again, here I am, pouring my heart out for the sake of not having to XXXX XXXX XXXX to get by. I woke up to XXXX $ in OD charges. Let me start by saying, I can not fathom how this is legal. Common sense would say that i would pay a penalty percentage, not XXXX $ per item. Regardless, PNC has once again stacked charges and waited till after business hours to process them. All in the name of scamming money from the people that do n't have it. I 'm not sure where to start, but this is wrong and needs to end. I do n't have those kind of means. Waking up to an account that negative XXXX $ short ( of which is XXXX in OD charges from your own bank ). How is someone on a poverty level income suppose to correct this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
In XXXX of XX/XX/XXXXI received XXXX but after XXXX payments the XXXX XXXX XXXX messed up my XXXX XXXX payments because they forgot to update my XXXX XXXX XXXX service plan. I contacted ocwen and explained what happen so we ended up being behind. It took untilXX/XX/XXXX for ocwen to give us a loan modification which was double of what we had on XXXX. So we started paying the loan modification but after XXXX payments we noticed that our payments were n't being applied to our loan it was just sitting there in limbo. They did take about XXXX out of the payments. Then we found out they had started the foreclosure process. I stayed in contact with my contact XXXX XXXX. It took months and they told us to reapply for the modification. Now our fees kept adding up. From a XXXX loan it 's now over XXXX loan .so we gathered our paperwork in may and reapplied. We received a letter saying they received all our paperwork and then it would take XXXX days. The very next day we received a letter that we were denied. But we could appeal. So I gathered all the paperwork within the XXXX days. They said it would be reviewed within a couple of days we were denied because they said it was our XXXX attempt. We did n't want to re apply we wanted out payments to be applied. This could have been rectified last summer. Now I 'm going to send in our XXXX appeal and I 'm sure we will get denied. Also our original loan put my XXXX name on our loan. We bought the house from him. They put him on without any of us knowing including my XXXX. They said that was the only way we could get the loan. So if we could make the payments he would be responsible for it. We never were told andmy XXXX has since XXXX XXXX. And they have taken his name off just recently.also we have an XXXX XXXX out of XXXX XXXX who is now going through XXXX and XXXX XXXX because XXXX are coming to our home and taking pictures of the house and looking at the house. He thinks people are coming to take him back to XXXX. Of course they have posted our home on XXXX. That 's reassuring.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
The response by Paypal to my complaint # XXXX is horrible and plenty of false and misleading data. I am also very dissapointed with that CFPB closed that complaint as it should remain open. Therefore, this new complaint is a follow-up complaint. The first lie from Paypal is about an alleged email message supposedly sent to me on XXXX XXXX, 2015 stating the reason for the lifting. However, no explanatory message was emailed to me from Paypal. I also must deny that a copy of my XXXX XXXX was not submitted as I faxed it 3 times at least and its reception was confirmed in a phone call, which was answered by a VERY RUDE Paypal operator ( an usual trait in Paypal agents ). I am a US XXXX and the fact that during a period of time I logued in from outside the US was due to the fact that I had to travel overseas for the serious illness my mother was suffering. It is a BIG FALLACY from Paypal to conclude that I am a resident of another country because of the login sessions to Paypal .... for instance, it is not necessary to be a computer specialist to know that many Internet providers work with international IP addresses. Perhaps immigration offices should determine resident status based on Paypal loguin sessions : - ) Really Paypal behaves in a very stupid and childish way ( not to mention their self-opinionated ego ). Paypal did NOT act in good faith!! ALL the information I provided is true and valid and as a proof Paypal verified both US bank account and credit card. It is a BIG FALLACY and LIE from Paypal to state that there is risk associated with my account as I never had any dispute or payment challenged. My account is COMPLETELY risk-free as Paypal will never experience any loss with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
Health care collections llc has two medical bills on my credit reports that were inaccurately billed! One for XXXX dollars and another for XXXX. Both of them should have been billed to my medicaide and were not! My insurance company had sent them a letter stating that all medical bills were to be sent to them and they did not receive it! I have disputed this it multiple times and it has been removed and re added! This needs to be removed from my reports asap as it should have never been placed there! Its not my fault there company did not process the billing correctly!

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 2017-08-15 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: TX

Complaint narrative:
stuff showing on my credit report that are not mine please remove tham XXXX, XXXX, and experian inaccurate information

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 2017-08-15 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: FL

Complaint narrative:
XXXX is reporting incorrect information on my credit report. Several attempts via phone and US mail informing XXXX of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX attempted to send several correspondences to correct wrongful information on XXXX reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late.
4. XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: FL

Complaint narrative:
XXXX is reporting incorrect information on my credit report. Several attempts via phone and US mail informing XXXX of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX attempted to send several correspondences to correct wrongful information on XXXX reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 4. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.

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