vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 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: MA

Complaint narrative:
I been going back and forth for the last 4-6 months to try to resolve some adverse items on my credit report which listed with multiple inaccuracies. I've attempted to contact both the major credit bureaus and original creditors. These are total violations of FCRA and FDCPA. I demand under the provisions of FRCA and FDCPA that these items being investigated, validated and ultimately correct/updated or DELETED from my credit report.

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 2018-06-28 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: MA

Complaint narrative:
I been going back and forth for the last 4-6 months to try to resolve some adverse items on my credit report which listed with multiple inaccuracies. I've attempted to contact both the major credit bureaus and original creditors. These are total violations of FCRA and FDCPA. I demand under the provisions of FRCA and FDCPA that these items being investigated, validated and ultimately correct/updated or DELETED from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
During my 4 years in school, I took out loans through Sallie Mae -- Federal Subsidized and Unsubsidized loans, as well as a private " Smart Option Student Loan '' ( 1 each year ) to make up the difference in tuition and living expenses. My father was the co-signer. 

Since I graduated in 2013, the interest rate on my " Smart Option Student Loans '' have increased drastically. When I graduated, they ranged from around 5.5 % up to 8 %. Today, they are 9.875 %, 10.875 %, 9.375 %, and 11.125 %. ELEVEN PERCENT on a STUDENT LOAN!! 

I called Navient to see if I could refinance or lock in a lower interest rate. They told me these rates are federally set and they can't do anything about it. In fact, they told me the best thing to do would be to pay it off! SERIOUSLY?! I have even tried to remove my father as the co-signer and they told me my income was not high enough to remove him from my account. 

I've spoken with my personal banker at XXXX. Because it's a " student loan '', they can not touch it. So I'm stuck paying ridiculously high interest rates, with no hope of refinancing because " student loans '' are federally backed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This is a fraud claim was filed with XXXX back in 2011 ... .9 years ago! 
XXXX XXXX never reach out to me.Violating the Debt Act law. Plus its been 9 years.This is an violating of the Debt Collect Act.

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 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My husband was out of work for over 18 months. We fell behind on the mortgage by a few months. The bank told us we could make partial payments which we did but they did not tell us the funds would not be applied to the mortgage until a full payment was received. My husband started work XX/XX/XXXX. We fell over 120 days ( since they were not applying funds ) Now they will not accept payment, our credit is plummeting and the debt mounting. We have applied for modification 3 times starting in XX/XX/XXXX.  Chase has consistently made errors on the application, not returned phone calls, is vague when answering questions, difficult to reach and only offers 2 solutions -- foreclosure or short sale. Chase 's latest letter XX/XX/XXXX does not even give a reason for the denial of a request for mortgage assistance. Chase did not include my income on the application even though they had my pay stubs. Chase also has our net income at XXXX cents a month. When we questioned this, Chase told us that it did not matter.???? What is going on??? Chase has been incompetent in handling this application and has made a difficult situation worse. We can now afford to pay the mortgage and what should have been an easy solution has now become a mountain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX, I called the Phoenix Financial Services collections agency to get further information about an account listed on my credit report.The original creditor is XXXX XXXX XXXX Hospital and I do not recall the encounter with them. The representative at the collections agency told me that the bill is from XX/XX/XXXX. She said that I had been seen as a patient at XXXX XXXX XXXX Hospital and was diagnosed with XXXX. I explained to her that I would need a copy of the original signed documents because I did not recall being seen at this hospital at this time, nor do I recall having ever been diagnosed with XXXX. She told me that she would send me what she needs to legally send me since I was making this request. I told, specifically, that I am specifically requesting a copy of the signed original agreement between myself and the hospital, so that I could indeed confirm that I signed as a patient on the date in question. The representative told me that her office had no such document. I concluded the call at that time. This call was recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My husband add me like an authorized user without my permission to his XXXX bank credit card. When I realized it, I called and bank delete me like and authorized user BUT still report to all credit agencies like I am still on his account and it hurts my credit score enormously! As my husband has missed payments, etc. But I have nothing with his financial problem as I just recently moved to the USA and do not want to suffer from this false information! I called 2 times to XXXX bank and they confirmed that do not see me more as an user but they do not know that to do to eliminate all false info from credit agencies! Please help me to solve this issue

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 2018-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have a {$300.00} line of credit through Kohl 's department store Kohl 's collection department calls me within 2 days of the due date making false statements stating wrong amount due, telling me I've been turned over to collections, trying to get more than the amount due. Calls received are approximately 3 a day, every single day from XX/XX/XXXX from blocked numbers and last evening it came through Kohl 's corporate office. I'm going to pay the balance, the harassment is unbearable. Most recently on XX/XX/XXXX even though I was not delinquent, rep stated I was delinquent, I asked if it was in collection and he said yes, I proceeded to ask why I would be reported to the bureau if my payment were due 2 days ago? He played a lot of games with me I made two attempts with him to pay. I was harassed for 27 minutes to try and make a payment he had issues with processing the payment I had a fight on the phone with the individual, he was extremely rude defensive and retaliated, he refused to identify himself or transfer me a to a manager. Subsequently I have continued to have calls from Kohl 's on a daily basis because I've been put in a collection loop even though on the same day after calling twice, a supervisor was was asked to make a note on my account the payment would be put in the mail, it should be there in 7 days. This is their method of operation every single month the payment isn't made early or on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
I attended XXXX College from XX/XX/XXXX to XX/XX/XXXX. Student loans were processed with XXXX XXXX XXXX who I arranged monthly installments. I am in good standing with this company however, in XX/XX/XXXX I received a message on my credit report of two derogatory marks. I discovered XXXX turned student loans over to a collection agency, XXXX XXXX XXXX. I was never informed in writing or verbally that my account would be placed into collections. I have contacted both companies several time with no prevail. As of XX/XX/XXXX XXXX has stopped sending statements. I am continuing monthy payments to date. I have also, filed disputes with XXXX, XXXX, and the XXXX XXXX XXXX. After researching XXXX XXXX XXXX, my discovery shows many complaints of unethical business practice and illegal collection practices. I have also attempted legal action but have not been successful in finding representation. I can provide documentation in my favor such as proof of payments, notes from conversations with all parties involved, my last statement sent from XXXX, proof of complaints on the XXXX XXXX XXXX site and XXXX investigation report which found in my favor. I am seeking help in resolving this issue. Please advise if your agency can be of assistance to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 I was obsessively checking my online banking account with chase because I had used it at XXXX and XXXX XXXX and my husband had sent me {$40.00} to cover the charges through XXXX. I wanted to make sure that the charges will still pending so that when the XXXX XXXX deposit would hit at midnight it would be covered. I went to bed at like XXXX and noticed they were still pending so I said good they wont post until tomorrow, perfect! The next day I woke up with 2 overdraft charges because 2 checks ( one for {$6.00} and the other for {$11.00} ) that I had given to someone over a month ago. I called chase to ask them why those checks were not on my online banking the day before if they were cashed during the day. They said theyre system does not show checks until XXXX the day of and that if I didnt want an over draft I had to make sure theyre was money in the account by XXXX the day the checks were deposited. I explained to them that how was I suppose to know that the checks were gon na be cashed that day. Also if they want people to deposit by XXXX the day the checks were cash why dont they post it in their online system before XXXX so that a consumer can know! Or if they want to continue posting the checks cashed until XXXX they should allow consumers to make a deposit the day after. This is unfair, abusive and deceptive because the consumer does not know the checks have been cashed that day because chase wont allow them to see the checks until XXXX which by the way half of their consumers are already asleep.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KS

Complaint narrative:
On XX/XX/XXXX of 2016, Fair Collections and Outsourcing called me personally three times ( At XXXX XXXX, XXXX XXXX, and XXXX XXXX, leaving messages all three times, please see attached phone bill to prove this ), my wife three times, my wife 's grandparents, my wife 's parents, and my parents on the same day.

Besides the fact that this debt was erroneous to begin with, this harassment was unwarranted.

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 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My husband add me like an authorized user without my permission to his XXXX bank credit card. When I realized it, I called and bank delete me like and authorized user BUT still report to all credit agencies like I am still on his account and it hurts my credit score enormously! As my husband has missed payments, etc. But I have nothing with his financial problem as I just recently moved to the USA and do not want to suffer from this false information! I called 2 times to XXXX bank and they confirmed that do not see me more as an user but they do not know that to do to eliminate all false info from credit agencies! Please help me to solve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is regarding my PayPal debit card account only. 

On XX/XX/2018 at XXXX XXXX PDT my account was hit with 33 separate incidents where funds were withdrawn from my PayPal account all at once, causing my account to go into a negative balance by - $ XXXX. The transaction details show this : Payment to : XXXX ; Debiting for PIN transactions that did not debit the Paypal account correctly from XX/XX/XXXX through XX/XX/XXXX. 

After speaking with PayPal, they admitted that their accounting system failed to collect on pending charges, which eventual were cancelled by the system. This error was discovered a few days before the " Balance Adjustments '' charges were processed. 

My problem is that my accountant shows that I have been double billed and that these subsequent charges are not ID with a location nor a vendor making it impossible to account for. The original charges from the XX/XX/XXXX/XX/XX/XXXX period DO NOT EXIST on the balance statements provided by PayPal online. 

They do show a lot of pending amounts, and then show the balance being put back into the account, but these charges do reflect on their online accounting balances, ONLY when you download the account activity. Therefor the balances never go up on the online accounting balances, only on the downloads. 

Many of these charges were ATM withdrawals which are typically not pending situation, where amounts are immediately subtracted from the balance. 

We have never seen the balance go up unless a customer made a payment. 

My accountant has also noticed that the ledgers have been changed for the same transaction on similar dates from month to month, and then significantly changed in XX/XX/XXXX. 

This questionable accounting of having two different ledgers that don't match my receipts and ledger leaves to doubt the validity of the adjustment charges. 

This has cause my business significant hardship because of manner in which PayPal had to cover their mistake. Did they not warn nor notify these error and forthcoming adjustments to my balance going to be made. The amount of these adjustments charges cover 3-weeks of income and spending habits nearly equals my monthly income and I unable to pay it back before they will be sending the account to collections. 

I have noticed that many have not only contested these charges but found discrepancies in PayPal 's month-to-month accounting where the amounts vary by thousands of dollars. 

This leaves me to believe that there is a systemic failure with the PayPal debit card accounting infrastructure. 

I have collected cases from over 30 other users and preparing to get legal class-action suit representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: ID

Complaint narrative:
XXXX XXXX XXXX are relentless, they call my phone up to 12 times a day, and they have NEVER left a voicemail, so I dont know why they keep calling me. The only reason I even know its them is because I have to Google what number is calling me 10-12 times every single day. And then they call me today and threaten me with a fraud and a lawsuit that I literally have no idea what they're talking about. They are harassing me, and that's against the law.

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 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
In XXXX I was considering switching my cell phone service from XXXX XXXX XXXX to XXXX XXXX, I spoke to a sales person at a store, and got through most of the steps to switch, but when I saw the costs broken down, it was going to be more expensive than staying with XXXX XXXX XXXX. So I told him that I was going to stay at XXXX XXXX XXXX and to cancel the order, I had not signed anything yet, and he said fine, and I left. A few weeks later I received a bill from them, I called and told them what happened and they promised that it was taken care of. About a month later I received another bill from them, threatening me to put me in collections. Once again, I called, they said that it was taken care of. Today I received a collections notice. I called, I was on the phone with 4 different people, they will not take care of it, this time they want me to go to a store to give them more of my personal information, I am not doing it. I made it very clear to them that this is fraud, they have fraudulently opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 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: PR

Complaint narrative:
Paid in full account XXXX XXXX XXXX @ XX/XX/18. ( enclosed letter evidence {$0.00} balance ) Paid in full account XXXX XXXX @ XX/XX/2018. ( enclosed letter evidence {$0.00} balance ) My credit reports dont reflect the accounts in {$0.00} and change daily my score. One day reflect partial balance and two day after back to the original balance. I disputed many times to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, I paid off my Sears MasterCard with a balance transfer on a lower interest credit card. I called Sears that morning to find out the exact amount of payoff. The transaction was made on XX/XX/XXXX, the payment was made to Sears on XX/XX/XXXX. 
( I have credit card statement showing this ) After transferring the balance, I received a statement in the mail from Sears, which I will be honest with you, I did not open as I knew I had paid off the account and assumed that is what statement was, showing my payoff. 

I then received another Sears statement in the mail the following month and not understanding why I would be receiving another statement I opened it and to my surprise it showed that I owed {$100.00} The statement shows my balance was paid in full, but not posted until XX/XX/XXXX. The payment was made the morning of XX/XX/XXXX, and was confirmed with Transfer credit card that same afternoon. 

After posting my payment a day late, they charged me {$37.00} late fee, dated XX/XX/XXXX and then {$33.00} interest charges dated XX/XX/XXXX. 

Another {$37.00} late fee on XX/XX/XXXX and {$2.00} interest dated XX/XX/XXXX. At this point I called them to try to find out what was going on. I was told that the payment was not posted to my account until XX/XX/XXXX. I explained that I had the credit card statement showing that the transaction was processed on XX/XX/XXXX and was told by a Sears representative that " Even if your payment came in on the XX/XX/XXXX, it was not posted to your account until XX/XX/XXXX, which is late '' ... How is it my fault that they didn't process the payment on the due date? I mean if that is the case, the company could choose to process payments any old time they felt like it couldn't they? 

Sears was unwilling to waive the late fees. The interest they are charging me on my XXXX statement is clearly for the full amount which even by their own admission, Payment in full had already been made. There is no reason I should owe that. I called to find out payoff amount. The rest of the interest is on late fees. 
Can you please help me settle this? I do not feel that I owe them anything else. I PAID OFF my account in full on the day that it was due! 

Thank you, XXXX 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 monetary relief