vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-20 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: MO

Complaint narrative:
I have noticed that addresses that are not associated with me are reporting on my Experian credit report. XXXX XXXX and XXXX XXXX. As you probably know, XXXX XXXX Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested EXPERIAN to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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 2019-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX ID : XXXX my account was limited XXXX and funds hasn't been released

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20 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: MN

Complaint narrative:
THE NEGATIVE ITEMS DOES NOT BELONG TO ME, THOSE NEGATIVE ITEMS HAVE BEEN DAMAGING MY CREDIT WHICH I WAS UNAWARE OF. PLEASE DELETE THE NEGATIVE ITEMS OFF MY CREDIT.

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 2019-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays reported I was 30days late and I had a balance due.

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 2019-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
I am a victim of Identity Theft and have supplied the credit bureaus with the proper reports as well and placed locks and fraud alerts on my credit reports. I have never done business with security services or the company that they are attempting to collect on behalf of. I was notified of this account on XX/XX/19. They have failed to acknowledge my concern and notify the credit bureau that this needs to be removed. My rights under FCRA are being violated. I already am dealing with the identity theft in itself and on top of it, I know have this fraudulent company tainting my image.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I have sent SANTANDER and XXXX both multiple letters of verification. I've requested both SANTANDER and XXXX to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I currently am repaying my student loans via Naviant and have noticed several issues with the loan process and repayment. I graduated from XXXX XXXX University Online in XXXX of XXXX and began repayment with Sallie Mae originally. During some financial hardship and moving to another state, I contacted Sallie Mae and requested help on what I could do until I was able to pay again. Sallie Mae insisted a forbearance was my BEST option and I agreed to enter forbearance without the knowledge that I would still accrue interest while the forbearance was in place. In XXXX, while still in Forbearance, I received a letter from Naviant that they would be taking over my student loan. In XX/XX/XXXX, my husband and I entered into Chapter XXXX bankruptcy and the loan was placed back into forbearance for the duration of the bankruptcy. In XXXX, we completed the Chapter XXXX process and the loans came back into the mail and I began the repayment. On XX/XX/XXXX I received an additional bill in the mail from Navient stating that my forbearance had been approved, but payments would resume on XX/XX/XXXX. This caught my attention because # 1 I was already paying on my loan ( so I thought ) and 2 since the bankruptcy had ended, I had not requested any additional forbearance options. I then proceeded to log into my Navient account online to try and find answers. I was shocked to find the had broke my student loan into 5 separate loans all accruing an individual amount of interest. I was shocked to learn that forbearance was still adding interest payments as that was not disclosed. I was simply informed that the loan would be placed on hold for " X '' amount of time. At the time of learning all of this ; to me, new information ; I felt it was time to reach out for help after reading about the lawsuit in place against Naviant for similar practices. Currently, I am a stay at home mom while my husband is the only source of income for our family of XXXX. I plan to contact Naviant again on Monday XX/XX/XXXX to discuss putting some of these loans back on hold until I can pay them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
THE NEGATIVE ITEMS DOES NOT BELONG TO ME, THOSE NEGATIVE ITEMS HAVE BEEN DAMAGING MY CREDIT WHICH I WAS UNAWARE OF. PLEASE DELETE THE NEGATIVE ITEMS OFF MY CREDIT.

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 2019-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THE ACCOUNTS HAVE BEEN DAMAGING MY CREDIT REPORT WHICH I WAS UNAWARE OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/2019, a payment of {$3900.00} was charged to my credit card. The finance company ( XXXX XXXX XXXX ), made an inquiry to XXXX XXXX XXXX on XX/XX/2019 and found that I did not have an account with XXXX XXXX XXXX, the originating charge. 

XXXX XXXX notified me that there was a problem with my account. I called them and they told me that scam had been made against my account and that the transaction had been reversed. I asked who made the charge but they stated they didn't know. They did know that it came from XXXX XXXX XXXXXXXX. I asked for the balance on my account and it was OK. They said because of the scam my account was closed. 
I assumed that all was then care of. 

On XXXX XXXX they sent me a letter that confirmed that I had been a victim of a credit card scam and that they had closed my account. 

There followed subsequent phone calls where they proceeded to attempt to blame me for the transaction. More denials that they did not know who made the transaction. One person said he would refer the problem to their Fraud Dept. Gave me the number to call and the Fraud Dept. denied the case was referred to them, but would investigate.

Then the Fraud Dept. sent me a letter telling me they found no fraud, that I had made the transaction and they would do no more.

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 2019-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have a couple inquiries on my report that are not mine. 

Cap one na, XX/XX/18 credit plus, XX/XX/18 Late pay XXXX XXXX XXXX XXXX, XX/XX/18

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX My account was limited for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX My account was limited over 180 with funds in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted the mortgage company, Pennymac, because they claimed I was in default on my mortgage. I have never missed a payment and pay on time. I explained that their analysis of our escrow account was wrong and we were being overcharged. The woman who answered the phone told me I didnt have a choice how much I paid every month. I told her that their analysis was wrong and what it should be. Furthermore, the money in our escrow account is technically ours! She continued to harp that I was not making a full payment and said we would be referred to collections. I told her that I paid my mortgage on time every month and asked her if I needed to get an attorney because they were not applying my payment. I do not appreciate being threatened with collections and ruining my good credit because of their incompetence. 

A survey came on that I responded to after that woman hung up. After answering that I was not happy, another lady came on the phone. It turns out this company added a TWO month cushion to my escrow account, creating an underage on our account that was then added to our monthly payment! This amounts to over {$1000.00}! {$1000.00} that I am not being paid interest on! The second representative corrected the escrow payment amount and was very nice. 

This is not the first time this company has threatened me with collections because they cant calculate an escrow payment correctly and I am tired of being bullied! I firmly believe this company needs to be investigated for unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I have sent XXXX XXXX ( 01 XXXX XXXX ) and XXXX both multiple letters of verification. I've requested both XXXX XXXX ( 01 XXXX XXXX ) and XXXX  to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I purchased an computer for XXXX through an online auction company called XXXX on or about XX/XX/2019 and paid for computer with my XXXX Visa card issued through Synchrony Bank. I found out computer was supposed to be received on XX/XX/2019 at XXXX XXXX. I however never received my computer even though XXXX XXXX XXXX was saying my computer was delivered. Well I am wondering who was my package delivered too? I live alone and I didn't accept delivery since I wasn't home. XXXX is know for saying packages have been delivered when in fact package is left at door or porch of consumer 's residence. Where I live, There are over 500 apartments in complex where I reside. At any given time someone could see a package and walk up and grab the package and leave. I know in fact that XXXX often will leave a package at one 's door if no signature requested service isn't provided. I in fact live within 10 miles of an XXXX Store pick up center. I would of been too happy to go to pick up and sign for my package. I also believe this situation could of been avoided if XXXX had of requested an Signature service. I just don't understand how a company can bill someone over 300.00 for merchandise and not require an signature service. I in addition notified Synchrony by emailing and faxing disputing document s requested. A temporary credit was issued but reversed by merchant when the merchant claimed that I did receive the merchandise. The merchant once again is believing that i actually accepted delivery when I wasn't home. I am now out of my money because Synchrony bank just don't care. Synchrony Bank needs to understand that XXXX makes tons of deliveries per day. They often say packages are delivered when in the packages are left at people 's doors and porches. I am the victim here. Please send an message to XXXX that they need to use a signature service when shipping merchandise especially if its over 300.00. I should not have to suffer an lost because of the merchant 's bad judgement. There are no winners here. Please Synchrony do what's right. You are suppose to be my credit card company!

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 2019-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/2018 We were sent a statement on our credit account on a card issued by Chase bank. It was a XXXX XXXX card. We had not used the card in over a year and had received no statements in about 12 months. The statement received showed a balance of {$96.00} for an annual fee. Not having used the card we saw no sense in keeping it. I called Chase bank and asked them to close the account and cancel the cards, which I was told they would do. About a week later I received an acknowledgement that the account had been closed and there was still a {$96.00} balance. I wondered why I would be charged for and annual fee if I had not asked to renew in the first place. Plus I was receiving no service from Chase for that year though if they wanted a reasonable amount about for 2 or 3 weeks service, I would consider that. I day or 2 after that cancellation I received a statement showing a {$15.00} late fee on top of the {$96.00} fee that I thought in all fairness would be pro-rated. I called and spoke to someone in the credit department and asked that these fees and a reduction be considered. I received a letter from a " senior service specialist "  saying that the {$25.00} annual fee was assessed in XXXX of 2018 ( news to us as we received no correspondence ) and was considered valid. The annual fee was {$96.00} and the late fee was {$15.00} so I had no idea what {$25.00} annual fee that they they were talking about ... I had confirmed that Chase had no intention of acting in good faith so I sent them a letter denying their " fees '' as invalid.. I told them that they should pay me that fee for the time and trouble that I had taken in attempting to deal fairly with this issue. I then told them that as we had not received any goods or services from them for the time that they wanted to charge us for, that we should just call it even and I would not respond to any further claims for payments that they had in no way a right to .. I get a statement every month showing more added late fees which also went to XXXX XXXX, who has been more than accomodating to Chase by zinging our credit scores each month. I will not tolerate Chase just charging me for something that I did not ask for or receive in full.. The {$25.00} " annual fee '' mentioned by the senior service representative at Chase would have been fine with me just to get rid of them, but they wanted {$96.00} plus lates fees and it goes on and on. I have related these events as best as my recollection and paper records can substantiate. A review of any of our credit reports clearly show that we are NEVER late on any payments, NEVER have been. It's only when we are grossly mistreated and cheated that we must defend ourselves and just say " no '' to their claims ... Thanks for your patience and understanding..XXXX  & XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I spoke to pheaa 2 days ago in order to try and get an income-based repayment plan because I've been unable to afford the payments. And they refused to let me apply for the income-based loan saying that I was ineligible for the income-based loan because I am currently in default. But the purpose in me reaching out to them was trying find a way to work together to get myself out of this position. The only option they gave me was a payment that represented a 33 % of my income, {$500.00} a month, which will not leave me in any position to keep my house or feed my children. They also told me that if I don't make the payments they're going to garnish my wages so heavily that I will not be able to keep my house or feed my children. 

At this time, they are leaving me no choice but to not do anything because nothing I can do is good enough. If there's anything you can do it would be greatly appreciated as I am trying to make some kind of effort. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I have sent XXXX XXXX ( 01 XXXX XXXX XXXX XXXX ) and XXXX both multiple letters of verification. I've requested both XXXX XXXX ( 01 XXXX XXXX XXXX XXXX ) and XXXX to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

Company response to consumer: Closed with explanation