vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 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:
I have a credit card with XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX XXXX. I tried contacting both Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX  are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.

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 2019-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This complaint is regarding a dispute that an XXXX purchaser opened against me. The dispute was filed in error ; the buyer provided written documentation to that effect and stated that he was working to reverse the mistaken fraud report that had been filed previously. 

Paypal was provided with ample documentation to this effect on XX/XX/XXXX and XX/XX/XXXX. Documentation included : 1. Written documentation from the buyer attesting to the mistaken fraud report.

2. Tracking information indicating that the item had been delivered.

3. Positive feedback on XXXX from the seller indicating that the item was as described. 

Initially, Paypal even tried to charge me an additional {$20.00} chargeback fee before I called and complained ; they subsequently reversed the charge. My main complaint at this point regards the negative balance in my account due to the fraud report. This morning, XX/XX/XXXX, I received a threatening email from them in which demand that I add money to my Paypal account or face debt collection efforts. This is in direct contravention to assurances I received when I spoke with customer service last week. 

In sum : 1. Based on the ample documentation provided, Paypal should cover my case under seller protection, which they have thus far declined to do.

2. Paypal should remove the negative balance on my account, as the case against me was filed in error and written documentation confirms this.

3. Paypal should issue a written apology to me for its repeated failure to act in my best interest in this dispute.

4. When there is an open dispute that results in a negative balance, Paypal should NOT issue threatening email communications to customers demanding payment, especially before the dispute is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: MA

Complaint narrative:
ive been a XXXX man for XXXX  years and i cant change that eqifax keeps lowering my score because im XXXX every month not because of credit issues it saddens me how every XXXX person in this world has a duty to knock the XXXX man down everytime he tries to be somebody or do something positive its like at birth XXXX  people are told to never allow XXXX people anything i have 100 percent payments on time 2 car loans and 7 credit cards all on time every month credit utilization 16 % i have XXXX in credit and used only XXXX so why is it every month my score goes down and never up i know filing this complaint is useless cause its the way of the world no XXXX  person is allowed to treat a XXXX person fairly every even after all the years of XXXX people getting knocked down there is no reason for my score to be dropping when i pay on time never late i finally see why XXXX people are held down so XXXX  people can look better and the saddest of it all the XXXX  person doesnt even have to know you personally its just that no XXXX  person can allow a XXXX person to suceed XXXX  people will always XXXX and im supposed to like how im treated or im supposed to say oh not all XXXX  people when it is i dont know eqifax or XXXX  so why would they knock my score down every month for no reason ill tell you its because im a XXXX person trying to do the right thing and having a high credit score i would be on a XXXX   persons level and XXXX people dont want that to ever happen so i know this complaint is useless because a XXXX person has no weight or rights in america so keep XXXX america alive XXXX lives dont matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: NC

Complaint narrative:
I was exposed in the Equifax data breach. All of my personal information was exposed and I starting noticing fraudulent accounts and inquiries that I never authorized. I also started receiving call from debt collectors about accounts I have no knowledge of. I have incorrect account information being reported by XXXX XXXX XXXX XXXX  AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: NC

Complaint narrative:
I was exposed in the XXXX data breach. All of my personal information was exposed and I starting noticing fraudulent accounts and inquiries that I never authorized. I also started receiving call from debt collectors about accounts I have no knowledge of. I have incorrect account information being reported by XXXX XXXX XXXX XXXX  AS WELL.

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 2019-02-07 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: NC

Complaint narrative:
I was exposed in the XXXX  data breach. All of my personal information was exposed and I starting noticing fraudulent accounts and inquiries that I never authorized. I also started receiving call from debt collectors about accounts I have no knowledge of. I have incorrect account information being reported by XXXX XXXX XXXX XXXX AS WELL.

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 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under Fair Credit Reporting Act section 611 ( 15 USC 16811 ) I am allowed to ask that disputes be removed. Mortgage companies deny loans and disputes put on there in error can be removed. I have tried for 3 months to get Experian to remove disputes made in error - each time I call, write, fax, a new dispute is opened which hurts me more. 

Each time I am told they will handle it they open yet another dispute ( see attached ). 
it is a cycle and it just adds to the problem. 

XXXX had no issue with doing this and took the comments off the report. 

Experian continues to send my inquiries by telephone or letter or fax to the dispute center and open yet another dispute. 

( see attached )

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 2019-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
The week of XX/XX/XXXX midland management was blowing up my phone, my mothers phone, and my mother in laws phone all over my debt. I called them and said to remove their numbers and do not call again. They continue to call my phone now and my mothers. They did stop calling my mother in law. They also call from multiple different numbers from other area codes. They will send me ups packages of a bill. I have tried to set up payments with them and it just doesn't seem to be working out. They still are calling constantly and threaten suing me. The customer service is awful. I just do not think its right they have contacted my family about my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian 's dispute process for uploading documentation to the Experian dispute website does NOT work, i have tried unsucessfully for 3 days. the agents on the phone are no help whatsover. ive mailed the documenation with no success either. 

this is unfair to the consumer.

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 2019-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
The week of XX/XX/XXXX XXXX XXXX  was blowing up my phone, my mothers phone, and my mother in laws phone all over my debt. I called them and said to remove their numbers and do not call again. They continue to call my phone now and my mothers. They did stop calling my mother in law. They also call from multiple different numbers from other area codes. They will send me XXXX   packages of a bill. I have tried to set up payments with them and it just doesn't seem to be working out. They still are calling constantly and threaten suing me. The customer service is awful. I just do not think its right they have contacted my family about my debt.

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 2019-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased an airline ticket through XXXX for a flight to the XXXX. An authorization was placed for the full amount, XXXX through PayPal, reflected in my PayPal balance. 

On XX/XX/XXXX, I canceled the trip. As it was in the 24 hour period, it was canceled and I was told I would be refunded/not charged via XXXX. This was confirmed via email. The authorization hold was instantly released, and my money was reflected to be back in my PayPal. 

On XX/XX/XXXX, after the authorization had already been canceled and the money had been refunded, I noticed a charge in my PayPal account in the full amount of the flight ( which had already been canceled and the authorization revoked. This was a brand new transaction ). I contacted PayPal via chat and was told that this would be refunded. The amounts were for {$370.00} from my PayPal balance and an attempted XXXX from my that did not go through. 

XX/XX/XXXX, my PayPal balance was refunded. 

XX/XX/XXXX, the airline attempted to collect the XXXX again. It was denied from my bank and instead created a negative balance in my PayPal balance of XXXX. Retrieval was attempted through my XXXX XXXX  account three times throughout the following week and I was told this would be the end of it. During this time, every time I attempted to contact PayPal or dispute the transaction that caused the negative balance, I was met with an error page each time that would not allow me to access the page. 

Days later, a payment I had received prior to the incident totaling XXXX posted, bringing down my PayPal negative balance to -XXXX. 

XX/XX/XXXX, XXXX was retrieved from my bank account without warning for this amount that had been unauthorized. 

XX/XX/XXXX, this amount posted, creating a surplus of XXXX in my PayPal account. Again, any attempt to collect on this amount created an error. I was not allowed to touch or access my money, as my methods of withdrawal were denied and my account had been limited, meaning I could not use PayPal to pay online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has been sending me collection letters saying that I owe them a debt for XXXX XXXX. I've already disputed the account with the credit bureau. The only response I get from XXXX XXXX XXXX is a letter saying " We are uncertain of what you are specifically disputing ''. The certified that I've sent to the bureaus SPECIFICALLY state that I am disputing this account because it is NOT MINE. They are also reporting an address that I have never lived at. This company has done a poor job of handling this dispute. 

They sent me two letters saying that I owe {$410.00} for XXXXXXXX XXXX and {$1000.00} to the same bank. I've never had a credit or bank account with them. 

I've attached the letters that they've sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: MA

Complaint narrative:
This place XXXX XXXX XXXX  sent me letters to treat me twice last year and this year on tax season file. I looked at the account number now match to mine by one later at the beginning. I paid off my medical bill since XX/XX/XXXX - XX/XX/XXXX done. Some bills sent out some paid in person. The last bill I went to paid in person at front desk, that front desk lady told me to call debt collection to confirm that I paid off. From that time I mowed the state and lost some receipts and still have some, and I lost the number to call to confirm also. 

NOTE : I can't pick up phone while working, but can text me anytime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FirstPoint Collection Resources
State: AL

Complaint narrative:
This company continues to call but never lists any information beyond " an attempt to collect a debt ''. I do not wish to call and give my personal information as this may be a scam. I recently received a call from someone named " XXXX XXXX '' who will be attempting to " serve '' me papers at both my home and work address. My concern is no correspondences have been mailed to any physical address but now I am being threatened with court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Have been trying to place a freeze on my equifax account since the day of the free freezes started. Since XX/XX/XXXX i have been getting this error : " We are temporarily unable to complete this request. 
Please try again later. '' Calling always says they are updating the systems and call back in 30 minutes, so I try again the next day- same error- same excuse. Now 4 months later the same excuse is still being given out. I can not place a freeze on my account and the agents can not or will not help me do it of the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Real Time Group, Inc.
State: AL

Complaint narrative:
This company continues to call but never lists any information beyond " an attempt to collect a debt ''. I do not wish to call and give my personal information as this may be a scam. I recently received a call from someone named " XXXX XXXX '' who will be attempting to " serve '' me papers at both my home and work address. My concern is no correspondences have been mailed to any physical address but now I am being threatened with court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX has been sending me collection letters saying that I owe them a debt for Synchrony Bank. I've already disputed the account with the credit bureau. The only response I get from XXXX XXXX XXXX is a letter saying " We are uncertain of what you are specifically disputing ''. The certified that I've sent to the bureaus SPECIFICALLY state that I am disputing this account because it is NOT MINE. They are also reporting an address that I have never lived at. This company has done a poor job of handling this dispute. 

They sent me two letters saying that I owe {$410.00} for Synchrony bank and {$1000.00} to the same bank. I've never had a credit or bank account with them. 

I've attached the letters that they've sent 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 non-monetary relief
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DataMax Corporation
State: GA

Complaint narrative:
Hello, I had a collections account with XXXX XXXX XXXX, # XXXX, and did not receive any communication about actually having the collections account against me. I had to find out about this myself when I ran my credit report for a car purchase. I then immediately called XXXX XXXX XXXX to : 1 ) pay the account, and 2 )  find out why I never received any communication. They said they tried calling and mailing me, but I did not receive anything from them. The amount is so little that I have no reason NOT to pay this bill. 

The collections account was filed to the credit bureaus on XX/XX/2012, for the amount of {$77.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My XXXX career was exclusively funded by student loans. I was never counseled with regards to the number of loans I was taking, career choices, and possible earning potential. When I graduated, I deferred those loans until I got settled into a job and decided what my next steps were. I eventually decided to pursue a XXXX XXXX Degree in XXXX. On top of having to take some additional XXXX coursework, my XXXXXXXX XXXX was also funded by loans. I eventually got a XXXX job in an urban district where I thought, after 5 years, I would have {$17.00} of my {$130000.00} loan balance forgiven. Well- I was wrong. I had consolidated some of my loans, and that. in conjunction with the dates, some of my loans had been taken out, made me ineligible for student loan forgiveness. To add insult to injury, I have since been laid off from XXXX, and found other work, but have been deferring my loans. My husband makes a decent living but will no contribute towards my student loans. Yet his income disqualifies me for the option of an income-based repayment plan and my minimum payment works out to be over {$900.00} per month, which with XXXX kids, and numerous expenses I can't afford. At this rate, the interest accrues, I continue to defer and have no idea how I will ever get out from under all of this debt and start saving for my own kids future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a denial letter from Fifth Third Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 
- I never applied - I called to raise this concern. They checked and responded that they have no record. 
- My concern is How this happened and also the same could happen with other credit card companies. Is there any to monitor/stop it?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I've been in communication with Citizens Bank regarding the excess amount they are requiring as the beginning balance for our escrow account causing a shortage of approximately {$2900.00} when we already had an escrow balance of {$1500.00}. According to the regulations provided at closing the required amount for escrow is XXXX or XXXX of the amount needed. A starting balance of over {$4000.00} is about 40 % of the needed escrow funds. We find this to be excessive. 

I've reached out to the bank and questioned this as well as asked them to rectify. However, I keep being advised the " Office of the Chariman  '' is researching and will get back to me. The last phone call on XX/XX/XXXX I was advised they were still researching and I would be contacted on XX/XX/XXXX stating the Office of the Chairman had resolved the issue. I replied stating that I am not aware of any resolution and restated my concerns of the excessive escrow balance being required and referred to the Real Estate Procedures Act. Unfortunately, as of today, XX/XX/XXXX, I have not received any sort of response, update, or resolution.

Company response to consumer: Closed with explanation