vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XXXX XXXX University is very Incompetent and I believe have some fraudulent practices in processing student financial aid. They are claiming that I owe them close to 3,000 which I am unsure for what. At the time I was receiving Federal Financial Aid Assistance and Federal Student Loans. Therefore my Financial Aid should have satisfied my payment for classes. They have sent me 3 different statements all of which has the same date ranges but all have a different amount that is due. I have repeatedly asked for a Full Accounting Statement showing all aid and all payments since I started school there but have not received them. I was enrolled in my last class for receiving my XXXX XXXX XXXX and had to a leave for an family emergency. I approved me for the leave but when it was time to re-enroll in my class they would not allow me to enroll. Although this class was already paid for by my Financial Aid & Federal Student Loans.

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 2018-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been on IBR for a year due to my income. It was time recertification and I did not get the email in time. They debuted XXXX out of my account instead of the XXXX. I then had to call the bank to stop the payment but they couldnt and I had to file a claim. They did this twice in XXXX and again now in XXXX. 
XXXX XXXX stated theta they put a hold on my recertification application but still put in for the money to be taken out. I was unaware of the hold until I called hem today. They said they couldnt stop it from being taken out because it has to be done within 3 days of the withdrawal. This has been an inconvenience and no one is trying to rectifying the problem. I want to pay my loan back but at the rate hat I was paying it last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: NJ

Complaint narrative:
Experian has refused to investigate and remove HARD inquires on my credit report, that I did not authorized.

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 2018-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Suddenly, I noticed on XXXX XXXX that I had a negative debt collection against me. I immediately thought it was identity theft. When I disputed the debt on XXXX, they took it off immediately. XXXX claims this debt was verified, however it was from XXXX and the collection company was stating it was from XXXX of this year. The original debt is purported to come from XXXX for internet. I never received any notice of this debt and I never got notice from the collection company to pay this debt within thirty days as is required by law, before it appeared on my credit report. XXXX refuses to help me or provide any documentation proving that I was given notice. I consistently paid my bills on time, therefore, I do n't think this debt is valid. The collection agency is supposedly the second collection agency. I never got notice from the first and nor did I get notice from this company. Again, this is the first time I have been made aware there was an outstanding balance of {$29.00} on an account from 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 explanation
Consumer complaint received 2018-01-05 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called Citibank and inquired why I had n't received my new credit card and was told that I had an outstanding balance over 90 days old and that I could not receive my card until I paid my bill of {$4100.00} for charges occurring between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I asked why I had n't been notified and was told they sent me the bills and notices in the mail and I never responded. I then discovered they had the wrong address and telephone number in their system. See attached letter for details.

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 2018-01-05 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in XXXX. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I contacted Fifth Third Bank regarding a loan that belonged to my Ex-husband.My ex-husband XXXX XXXX in XXXX.We had been divorced, and the divorce decree stated he had 90 days to remove my name.from any responsibility of our house.He never removed my name.Fifth Third bank continues to send me the statements, and has also turned over information to XXXX that has damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: MO

Complaint narrative:
PayPal is holding my funds for over five months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion Customer Service would not help and take care of the negative inquiries reporting to my credit report XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime
State: IN

Complaint narrative:
Currently I am homeless and have been living in XXXX for the past 3 years. I use my cousin 's address as my permanent mailing address for any important business. In XXXX XXXX I came to XXXX to live with my cousin because I was having such a struggle and was about to have a child. While there I got a job with the XXXX XXXX XXXX, which I still have the job. I was laid off there but before I was, in XXXX XXXX, I XXXX XXXX XXXX went to DriveTime to apply for a car and was given a loan. I put a down payment and supplied them with everything that they needed. Upon me picking up my vehicle I did n't have my driver license with me because they were in the state of XXXX and it would be over a week before I could receive them, so they requested that my cousin sign to drive the car off the lot. We made it clear to the sales person that she is not applying for any car loan of any sort. 

I was the person who supplied all my pay-stubs, filled out the application WITHOUT HER and they checked my credit and told me that I was eligible to get the loan. The car as always been in my possession after I drove off the lot and I was the person making the payments and keeping in contact with the creditor when I could not make payments. I had been in a constant battle trying to get the contract corrected without her on it and they kept making me promises if I did this, they would make the correction and that never happen. 

Now the car has been placed on her credit report and the reason that it was repossessed is because I was struggling to pay rent, make payments and all my other bills. I am currently homeless and barely can feed myself and XXXX children. 

I have spoken with my cousin about this matter and she is very upset because she can lose her job because she works for the XXXX XXXX XXXX because of this credit issue that has been created. Also, she keeps getting denied every time she tries to obtain credit for a major purchase and have to explain that this is not her debt ; but because Drivetime has put her as the owner of the car, it does not help. 

We have requested to get a copy of the application but that have not received it. You are the only hope to get this situation corrected. Attach you will find the copy of the contract that was supplied to us that is diffidently not correct.

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 2018-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I 've had federal student loans in repayment since my graduation in XXXX. I paid off all but two of my loans that were being serviced by Navient without missing a SINGLE payment as of XXXX. I received an email from Navient on XXXX/XXXX/XXXX stating that my last two loans would switch over from the previous company ( XXXX ) to Navient. At this time, I was paid ahead on these loans with NO payment due for at least 18 months. After receiving the first email, I received a second email on XXXX/XXXX/XXXX stating again that Navient was taking over and quote : " Expect a brief pause in service. It may take a few days to complete the transition. During this time, your account information will not be available. Any payments you make to XXXX during this time will post to your Navient account once the move is complete. What happens next? Watch your mailbox. Once your loans are on our system, Navient will become your new student loan servicer. To let you know when it 's official, we 'll send you a welcome letter including your new account number and our contact information. '' I received nothing additional in my " mailbox '' as I was receiving all paper statements from XXXX. On XXXX/XXXX/XXXX I received the third and final email from Navient stating, " XXXX, now that your loans are with us, make the next move ... to XXXX. '' with a link to click ; AND THAT WAS IT. Never once did I received a phone call, any additional information in email, or by postal mail. There was no account information, no phone numbers, no emails to contact Navient, nothing. That is until XXXX, XXXX when I received a paper statement ( or bill ) in the postal mail that showed Navient had added an additional $ 2,000+ to my account balance with no explanation as to why. 
I have spent hours on the phone with Navient, calling their off shore and on shore call centers as well as their corporate office in Delaware and have not gotten ANY, real tangible documentation as to how they added over two thousand dollars to my account balance, just poof, its there and now you owe it. There is no documentation of interest rates, fees, balances, nothing ; not even on their website. I need help as this company is literally scamming people out of money. There are times when I call the call center and I literally have to opt out of TV, Internet and road side assistance programs BEFORE I can speak with someone! Total Scam this company is!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
Collection Agency is Merchant Credits and Original is from Virginia XXXX XXXX for {$170.00}. I contacted both of them on XX/XX/XXXX and this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in 1998. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was XXXX XXXX   both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: GA

Complaint narrative:
Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in XXXX. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: Veripro Solutions Inc.
State: GA

Complaint narrative:
Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in 1998. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX XXXX contacted my place of employment to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
The company is placing false information on my credit that is false I have reported to them and the credit bureau that the information is wrong. 

CAPITAL ACCOUNTS LLC XXXX XXXX XXXX XXXX, TN XXXX Stated date XXXX XXXX, 2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
i opened a XXXX instore credit card in XXXX, XXXX. I informed them i wished to put my {$65.00} per month payment into auto debit. After filling out their paperwork and mailing them a voided check with said paperwork, i was assured via snail-mail that everything was in place ; however in the ensueing months, my account has been assessed with compounding late fees.I 've repeatedly called the customer service number to straighten it all out, only to be frustrated with their lack of competence in handling their error. My wish is to rectify their internal error by honoring my original request to have automatic payments withdrawn from my checking account subtracting the payments I 've made to date with no penalties added. My other request is to ensure my credit score has received no blemishes because of this error. BTW my bank has tried to intervene by doing a conference call and faxing proof of payments made to XXXX XXXX. they did not acknowledge the fax or any part of our attempt.

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 2018-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Olympic Collection Inc.
State: WA

Complaint narrative:
On XXXX XXXX 2018 I called Olympic Collection and it is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: NV

Complaint narrative:
MEDICAL BILL FOR MY SON FROM 2012 OR 2013, THAT HE WAS DOUBLE COVERED FOR INCLUDING A SECONDARY INSURANCE OF XXXX. IF FACILITY DID NOT BILL IN A TIMELY MANNER OR MISS BILLED, THEY NEED TO WRITE OFF BALANCE AS THEY WERE AWARE I/ MY SON WAS DOUBLE COVERED WITH INSURANCE/ XXXX. THIS IS EFFECTING MY CREDIT, BEING A SINGLE MOTHER OF XXXX, AND DOUBLE COVERED WITH XXXX, THIS BILL NEEDS TO BE WRITTEN OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The XXXX XXXX XXXX filed {$750.00} collection before XXXX/XXXX/XXXX. 
I never open a credit with this bank. The XXXX XXXX XXXX sold the case to XXXX XXXX XXXX Right now XXXX. 
I lost my Social security card and Green card too. I report it immigration service and I got replace green card.Also, I I report Social security department and I got replacement. 
I do n't know how fix the problem for that. 
Please help me. 
Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: WA

Complaint narrative:
I contacted XXXX XXXX XXXX on XXXX XXXX 2018. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation