vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
For the second time, Mr. XXXX XXXX has engaged PayPal to attempt to collect on a debt for which I do not owe but rather for which the said company found in, '' My favor '' back on XX/XX/2018 ( XXXX ) in the amount of {$610.00}. To wit, Mr. XXXX could not accept that decision and now is trying to collect on the same amount for reasons of " faulty merchandise '' to which he did not think of until three months after his " consumption '' of the a XXXX stay in XX/XX/2018. This is a bogus claim and needs to be dismissed as it is creating a HOSTILE AND ANTAGONISTIC situation for my business operation. In essence, Mr. XXXX is trying to impede my use of PayPal as method of payment with this bogus claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
For the second time, Mr. XXXX XXXX has engaged XXXX to attempt to collect on a debt for which I do not owe but rather for which the said company found in, '' My favor '' back on XX/XX/2018 ( XXXX ) in the amount of {$610.00}. To wit, Mr. XXXX could not accept that decision and now is trying to collect on the same amount for reasons of " faulty merchandise '' to which he did not think of until three months after his " consumption '' of the a XXXX XXXX in XX/XX/2018. This is a bogus claim and needs to be dismissed as it is creating a HOSTILE AND ANTAGONISTIC situation for my business operation. In essence, Mr. XXXX is trying to impede my use of XXXX as method of payment with this bogus claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ex husband accessed credit card after divorce the debt is his

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK
State: CA

Complaint narrative:
Between the years of XXXX and XXXX, I was attending XXXX school and obtained private student loans from Discover to help cover the costs of education. I have since graduated and pursued a XXXX XXXX degree, during which time I deferred my student loans. 

Now, I am pursuing a XXXX degree which I started late last year, right after my XXXX XXXX degree ended. Despite multiple requests, Discover keeps denying my request to defer my student loans, even while I am a XXXX XXXX XXXX. 

My current university, where I am pursuing my XXXX, is a world renowned university in XXXX, ranked much better globally than my XXXX, however, Discover denies it meets eligibility for deferment, stating that it will only accept deferments for students enrolled in accredited US based schools. The school is an officially accredited University by the XXXX XXXX XXXX XXXX. 

Note : All my federal loans were easily deferred. 

Discover being unwilling to defer my student loans could force me to drop out of this XXXX program or to fall below the poverty line, having difficulty paying for food and rent, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
XXXX XXXX ( XXXX ), opened cell phone acct with XXXX in XX/XX/2013. 
I had little to no service with their cell phone for two months, I believe. I called several times and complained of bad service, finally talked to a supervisor that agreed to cancel contract. After cancelling I recieved another bill and refused to pay it and then they added on late charges.

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 2019-01-03 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I was born XX/XX/XXXX, my credit report states I was born in XX/XX/XXXX, its actually on XXXX and Equifax, I have my ex husband 's ex girlfriend who refuses to return our divorce papers and tax returns and I have bad credit because lack of credit. Someone keeps running my credit report and the date of my birth has never been inaccurate till this past year. I need to have it changed to correct year, it is causing to not accurately confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am an unemployed, XXXX-year old man who is currently going to school, hoping to improve my chances of being hired. I am a XXXX veteran with over 25 years of experience as a XXXX   XXXX. Therefore, my credit history must remain untarnished for me to successfully land a job. Unexpectedly, a few months ago, I started receiving notifications from Navient that my private loans were delinquent. Immediately, I started doing XXXX to come up with money to repay these loans. Navient offered me to enter a Rate Reduction Program, which I accepted. 

A few days before my second qualifying payment was due, I called Navient to forewarn this institution that I might be a couple of days behind, seeking their understanding and imploring them not reporting me to the credit bureaus. The lady whom I spoke with supposedly granted me this request, but when I made the payment on XX/XX/XXXX, Navient reported three ( 3 ) late  payments to the credit bureaus. I believe that this negligent act violated at least two provisions of my rights under the Fair Credit and Reporting Act ( FCRA ) 15 U.S.C. 1681. 

I called Navient several times and they continue to misrepresent the fact. Their employees and supervisors are covering up for one another. My third qualifying payment was made on XX/XX/XXXX. However, per Mr. XXXX ( Navient ID XXXX ), my third qualifying payment was not processed on time. It was processed on XX/XX/XXXX, upon my last call to Navient. In sum, I was asked TWICE to wait : a ) Until the XX/XX/XXXX ; and b ) Until XX/XX/XXXX to wait for the 6 wrongful past due reports disappear. 

This is abusive and likely will preclude me from passing an employment credit background check. Also, my other creditors might raise their rates on me due to a higher perceived risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I took out a used car loan with Santadar for a XXXX XXXX XXXX. The truck has a payoff balance of {$29000.00}. I recently lost my job and missed XXXX payment. The monthly payment for my truck is {$660.00} but the past due balance was close to {$1500.00}. I confirmed with a customer service agent with the company that I was only XXXX payment behind. Santander seems to calculate their current balance by any missed payment, the current payment due and the next upcoming payment grossly misrepresenting the amount owed. I asked my I was getting collections notices as I was not behind 90 days. The representative had no answer. I missed my second payment in XX/XX/XXXX. I did not receive any notices in the mail about the company repossessing my vehicle. In the late evening hours on XX/XX/XXXX, I walked outside and my truck had been resposessed. There was no contact information left by the tow company and the offices of Santander were closed. I received no notice that my vehicle would be repossessed since my missed payment in XXXX and the date of resposession. I have missed XXXX payments with Santander and my upcoming due payment would have fallen on XX/XX/XXXX. I have not missed XXXX payments nor am I 90 days late yet the balance due as stated on my Santander account is {$2800.00}. When I called into after my first missed payment I was not given any information on lowering the payments due to hardship or why I was receiving call after call and a huge unwarranted outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-03 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-03 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: MA

Complaint narrative:
I was born XX/XX/XXXX, my credit report states I was born in XXXX, its actually on Experian and XXXX, I have my ex husband 's ex girlfriend who refuses to return our divorce papers and tax returns and I have bad credit because lack of credit. Someone keeps running my credit report and the date of my birth has never been inaccurate till this past year. I need to have it changed to correct year, it is causing to not accurately confirm my identity.

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 2019-01-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Somebody sent me XXXX dollars by XXXX in bank of america ... i received a text it was in my account but never that money get in ... never

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 2019-01-03 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 — Investigation took more than 30 days
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
XXXX XXXX IS FALSELY REPRTING INCORRECTLY, THIS ACCOUNT WAS INVALID AND BELONGS TO DECEASED AND WAS DISCHARGED DELETE THIS ACCCOUNT FROM ALL BUREAUS OR BE SUED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX IS FALSELY REPRTING INCORRECTLY, THIS ACCOUNT WAS INVALID AND BELONGS TO DECEASED AND WAS DISCHARGED DELETE THIS ACCCOUNT FROM ALL BUREAUS OR BE SUED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX IS FALSELY REPRTING INCORRECTLY, THIS ACCOUNT WAS INVALID AND BELONGS TO DECEASED AND WAS DISCHARGED DELETE THIS ACCCOUNT FROM ALL BUREAUS OR BE SUED.

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 2019-01-03 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 — Investigation took more than 30 days
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
XXXX ARE FALSELY REPORTING THIS ACCOUNT ALL BUREAUS FOR DECEASED CONSUMER AND IS REPORTING IN VALID ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, and again on XX/XX/XXXX, a fraudulent charge in the amount of {$99.00} was posted to my account. After noticing these transactions and calling the institution, a temporary credit was issued while they continued to investigate. In mid-XXXX, I received notice that the temporary credit would be reversed, as these were determined not to be fraudulent. In a call placed to the institution on XX/XX/XXXX, reasons provided for the reversal were : ( 1 ) relatively low dollar amount / no attempt to drain the account and ( 2 ) repeated pattern of transactions. However, they failed to find suspicious the fact that {$100.00} is the minimum limit to set for account alerts. Moreover, when I questioned as to the shipping address on the invoices from the merchant for both of these transactions, the institution indicated it had not obtained said invoices. The institution used presumptive evidence rather than evidence specific to this case in making its decision. During this call on XX/XX/XXXX, I also indicated my desire to have this case re-opened for investigation, and the customer service representative stated that I would be receiving an email confirmation of that shortly. Now on XX/XX/XXXX, I have still not received an email.

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 2019-01-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX ARE FALSELY REPORTING THIS ACCOUNT ALL BUREAUS FOR DECEASED CONSUMER AND IS REPORTING IN VALID ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I used XXXX to transfer {$290.00} to a beauty salon, after getting home and inspecting my hair, I was not satisfied and attempted to get a refund or have my hair fixed thru the salon to no avail. Sometime around XX/XX/XXXX I had exhausted all avenues to fix this issue with the salon, I then filed a complaint thru Wells Fargo thinking that they could help me. On XX/XX/XXXX WF issued a temporary credit while they investigated the claim. WF ended up denying my claim. On XX/XX/XXXX they took back the provisional credit. Then, on XX/XX/XXXX WF took the {$290.00} out AGAIN! The same transaction number is attached and everything. WF basically told me 'too bad, contact XXXX ', which I have also done. No one seems to want to own up to the mistake and make it right. All I want is my money back, please help! 



XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX   XXXX Visa Direct AZ XXXX CARD XXXX {$290.00} XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$290.00} XX/XX/XXXX CARD REVERSAL OF CREDIT XXXX {$290.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX*VISA MONEY TRANSFER Visa Direct AZ XXXX CARD XXXX {$290.00}

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 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AR

Complaint narrative:
LEXIS NEXUS IS FALSELY REPORTING PUBLIC RECORD TO ALL BUREAUS CASE NO.XXXX. FOR SENIORS RECORD NOT JUNIORS RECORD IN ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX IS FALSELY REPORTING PUBLIC RECORD TO ALL BUREAUS CASE NO.XXXX. FOR SENIORS RECORD NOT JUNIORS RECORD IN ERROR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX IS FALSELY REPORTING PUBLIC RECORD TO ALL BUREAUS CASE NO.XXXX. FOR SENIORS RECORD NOT JUNIORS RECORD IN ERROR.

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