vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX I was awaiting the refund of my financial aid for classes I planned to attend that Fall with XXXX University. After not receiving the refund when normally scheduled, I began calling their Financial Aid office to get a status. I also emailed the Financial Aid office several times and received no return calls or emails. After a few weeks of this, I finally received an answer from the Financial Aid office stating I had run out of funds in my subsidized/unsubsidized loan availability. I would have to pay out of pocket to attend the classes. I was livid and withdrew from this school. I did not have funds to attend and had completed my Financial Aid packet in a timely manner to receive appropriate notice prior to the start of classes. I feel this is a scam by the University to receive funds from students. Had I not been consistent and diligent in contacting the Financial Aid office, I would have attended courses that Fall and owed for that semester. The school failed to provide any notice or status regarding the Financial Aid. This debt is NOT valid and this Collection Agency has NO CONTRACT. The collection agency has also re-aged this account in an attempt to collect and invalid debt. Delete this invalid debt from my credit file immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I requested a forbearance extension as I'm currently unemployed due to my XXXX. Instead of replying to my email, they just put the loans in default the same day. 

Their customer service is practically non-existent, they always just say " there is nothing we can do. '' Their goal is just to get you off the phone so they don't have to bother trying to fix anything. 

Please PLEASE choose any other servicer. This company is predatory and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I requested a copy of my credit report through TransUnion and discovered a debt collector entry for {$1900.00} claimed by XXXX XXXX which was subsequently purchased by XXXX XXXX XXXX. While I previously did business with XXXX XXXX, I ended my account with good standing. I do not recognize the account number or account date as being something I authorized and believe one of two things has occurred : My valid account with XXXX XXXX was not properly terminated as I instructed or a second account was opened under my name without my authorization. I disputed the account with TransUnion and, on XX/XX/2019, they replied that the account had been correctly verified and identified as mine. I requested that TransUnion, XXXX XXXX XXXX, or XXXX XXXX provide me with the signed contact supposedly in my name which supports the debt in the first place. I was told it was not available. I asked to get copies of the statements from the account and was told those were not available.

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 2019-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
I requested a copy of my credit report through XXXX  and discovered a debt collector entry for {$1900.00} claimed by XXXX XXXX which was subsequently purchased by Jefferson Capital Systems. While I previously did business with XXXX XXXX, I ended my account with good standing. I do not recognize the account number or account date as being something I authorized and believe one of two things has occurred : My valid account with XXXX XXXX was not properly terminated as I instructed or a second account was opened under my name without my authorization. I disputed the account with XXXX and, on XX/XX/2019, they replied that the account had been correctly verified and identified as mine. I requested that XXXX, Jefferson Capital Systems, or XXXX XXXX provide me with the signed contact supposedly in my name which supports the debt in the first place. I was told it was not available. I asked to get copies of the statements from the account and was told those were not available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Leasing agent evicted me XXXX XXXX for non payment of rent in the amount of {$850.00}. The leasing agent would not honor the rental payment, late fees, and or court cost filing fees that was submitted by " XXXX XXXX and XXXX XXXX ''. In which the check in the amount of {$2600.00} the leasing agent cashed, kept, and put into her pocket book. And I have not been able to utilize their/there agency for " extra additional services and or assistant ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I had originally had a medical/health debt to XXXX XXXX XXXX, that debt was sent to XXXX XXXX XXXX who I paid, who then took my debt to XXXX XXXX XXXX, so not only did I pay XXXX XXXX XXXX, but the amount I paid XXXX XXXX was inaccurate. XXXX shows I do not owe them but I owe XXXX XXXX, but won't fix my credit report. I sent a dispute to Equifax and showed them more than enough proof. They ignored my attachments and said I still owe XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: CA

Complaint narrative:
I opened an investigation with Experian on XX/XX/2019 XXXX proof documention attached ) regarding XXXX XXXX XXXX  and allowed XXXX XXXX XXXX  to place another alert on my account, 3 days later, on XX/XX/2019 and Experian did not have documented on my report as it being in " dispute '' ( document proof attached ). XXXX XXXX XXXXXXXX also closed my account after I've been making monthly payments. The balance is also incorrect. Also, I explained in a short statement to Experian that XXXX   XXXX XXXX never contacted me in writing, about my account status, at no time, before closing it, due to one  reason of them sending it to an incorrect address and calling an incorrect phone number that they have for me. The address that one representative stated they used for me, prior to my account closing ( although they had my new address, but did not use it to contact me ) and prior to me confirming ( again ) my address, is an address that pertained to where my identity was stolen.Two representatives of XXXX XXXX XXXX, quoted my address as being in XXXX XXXX when it is in XXXX, which I have reported to Experian and XXXX XXXX XXXXXXXX as my current address, but XXXX XXXX XXXX  sent all communications, prior to them closing my account, to the XXXX XXXX address, per two representatives ( which proof should be in their recorded telephone calls ). Also, XXXX representatives and a supervisor ( whom stated she was in the california office ) stated that XXXX XXXX XXXX only makes phone calls and do not send out letters, but with so much fraud, including my identity being stolen is not an effective way to contact me because people are impersonating banks and other establishments daily, as that has happened to me and one reason how my identity was easily stolen. Also, XXXX XXXX XXXX has an incorrect phone number for me, so they could not have possibly called me. I was told different stories from representatives and a supervisor regarding why I was not contacted, prior to them closing my account, even while I was making monthly small payments. Proof of my address is also 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 explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
In XX/XX/2018 I closed my American Express credit card account. At the time of closure the balance on my account was - {$50.00} ( negative XXXX dollars ), i.e. a credit balance. 

Instead of refunding me the credit balance, American express simply kept the {$50.00} dollars putting the following transaction on my statement : XX/XX/2420 REMOVAL OF CREDIT BALANCE {$50.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-18 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: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
I had originally had a medical/health debt to XXXX XXXX XXXX, that debt was sent to Bull City Financial who I paid, who then took my debt to XXXX XXXX XXXX, so not only did I pay Bull City Financial, but the amount I paid XXXX XXXX was inaccurate. Bullcity shows I do not owe them but I owe XXXX XXXX, but won't fix my credit report. I sent a dispute to XXXX and showed them more than enough proof. They ignored my attachments and said I still owe Bull City.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had originally had a medical/health debt to XXXX XXXX XXXX, that debt was sent to XXXX XXXX XXXX who I paid, who then took my debt to XXXX XXXX XXXX, so not only did I pay XXXX XXXX XXXX, but the amount I paid XXXXXXXX XXXX was inaccurate. XXXX shows I do not owe them but I owe XXXX XXXX, but won't fix my credit report. I sent a dispute to XXXX and showed them more than enough proof. They ignored my attachments and said I still owe 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 2019-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I traded in my XXXX XXXX XXXX to XXXX  XXXX last XX/XX/2018 at XXXX XXXX dealer It will take 3months left only for maturity of lease of old car and We had an agreement that i will only trade in if i wont pay the balance of that car or i will wait til it matures So the dealer promised me that they will take care of everything including return of old car and balance payment to get sale. They even called financial to know how much is the balance .I believed them because its not the first time i did trade in and never had problem in the other car company. But after few months, I received a call from toyota financial that they sold car to auction and they want me to pay the balance. I tried to contact them many times to find out what happen but everytime i try to know whats going on they immediately transfer me to collection agency. I asked personally the dealer if they pay the balance They said yes and they cant help me too to solve my problem. Its too depressing for me because i felt that after the sale they neglected me as a customer. And this financial already reported to credit which affected my chance of loan for my kids in college They have no conscience While checking mails i found a bill from toyota that dealer paid the balance and i only have to pay 1month of balance Please try to analyze what this financial did to me They sold the car without letting me know whats going on Want me to pay balance of auction and they send me one last month bills of balance on XX/XX/XXXX after they sold the car They are too unfair for an honest innocent customer like me They are too quick to report to credit which really affected my credit report If you will check all my debt I never pay late for my bills but they still report late and report as bad debt collection I tried to contact financial that im willing to pay the last month bill but they never listen to me that i was not aware what happened They still want me to pay the auction balance Its a nightmare for me and my family and my friend to get car from toyota again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
SLS responded without answering the question and continues to deflect by asking for information that is already provided. It is a business ploy hoping the consumer will give up. I have all the time in the world to make sure a company does not misrepresent my account. Here is the last line of the latest SLS response : If your records differ, please forward payment documentation, such as complete, unedited bank statements reflecting any disputed payment, for additional research. 

The attachments were provided in a letter to the company on XX/XX/2019 and attached to complaints. The company is using circular logic where they answer without responding to the question, hoping the Consumer will give up. I have all the time in the world when it comes to a company trying to misrepresent my account. 

For the 3rd time, the attachments show no payment due. SLS is avoiding the issue by not reading the receipts already attached in complaint # XXXX and in a letter to the company dated XX/XX/2019. Let 's see if they acknowledge the receipts attached and admit there was no payment due for those months as stated in the receipts. I continue to honor my responsibility by paying each month, but SLS does not honor its ' accounting. If SLS notes there is not payment due ( see receipts attached with this complaint, in complaint # XXXX, and in a letter to the company dated XX/XX/2019 ), then there is no payment due for that month. 

This is not the 1st time SLS has tried this tactic and then had to admit their error. See complaint # XXXX. Are they cheating Consumers? Does it matter that this company continues this practice? Your organization needs to escalate this to the appropriate Regulator. 

Just because the company responded does not mean the complaint is closed. I need cfpb to actually protect consumers. Forward this complaint to the appropriate regulatory body for mortgage lending.

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 2019-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
There were fraudulent charges placed onto my Chase checking account, by someone else and the account was closed for no reason. The account number was XXXX. This account was closed about two years ago. I also disputed a battery that ultimately ruined my vehicle and my life and this company refused to give me a refund from XXXX XXXX as well as XXXX XXXX XXXX XXXX, NJ. I am shocked and appalled that this discrimination is happening to me. I am so very upset and saddened. I have a few complaints at this company and it seems as though people are trying to have me murdered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express Platinum card had an introductory offer of spend {$5000.00} and get XX/XX/XXXX points.

I signed up for this offer and the credit card was approved. When applying or after my application was approved, even after having called the customer support team, I was told that my points were on its way and usually I have to wait it out for 3 - 4 months. ( I spoke to 3 to 4 representative who told me to keep on spending with the card ) 7 months into opening the account, today, I was told that the offer is no longer valid and they would not honor the promotion that was promised to me in XXXX, 2018. The companies, representatives lied to my face and are now denying the offer. 

This is not a correct business practice as I was cheated into spending more with the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XXXX if 2018 I was admitted into the hospital and diagnosed with XXXX XXXX XXXX. I was on life support twice and XXXX XXXX XXXX XXXX XXXX XXXX. While the company may have sent out letters I did not receive them due to being hospitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
VENMO TOTAL SCAM- I signed up for this service recommended 2 me by a friend so they could send me their rent $ instantly & no check involved for me to WAIT ON TO CLEAR.. i entered my 2 cking acct, 2 debit cards XXXX  - only to find out dont use XXXX? So I went bank in and put my XXXX XXXX acct info ... Week 1- unable to use the instant transfer feature NO REAL REASON GIVEN, told to call in on MON. as they don't have access to tell me why? UM OK,,, MON I CALLED TO BE TRANSF hung up on called back held etc etc etc. NO ONE EVER SPOKE TO ME OTHER THAN TO GIVE THE SAME SCRIPTED ANSWER- We do not have access to that info, FURIOUS WIITH NO $ still I got no-where. CHAT FEATURE USELESS- PHONE SUPPORT= USELESS. VERY VERY- suspicious .... GOT THE DEBIT CARD IN THE MAIL WAS ABLE TO USE it at ATM FOR A FEEEEEEEE {$3.00} atm and also made some purchases thank XXXX - or so I thought ... Week 2- ISSUE NEVER RESOLVED. JUST BACK AND FORTH XXXX SCAM SCAM SCAM. WEEK 3 GOT FUNDS TODAY again SAT early am FOR RENT THAT WAS overdue as of FRI BY ROOMATE. HERE we go again STILL NO INSTANT TRANSF allowed ( TOLD THIS TIME ACCOUNT FLAGGED SECURITY RISK )??? WT? again the back n forth and NO RESOLVE. ( BTW I'm a XXXX/homeowner/SE XXXX buss. owner since XX/XX/2002 & same job for last 7 years XXXX. Yeah I'm a REAL BIG security risk ) Anyway I thought hey I can just use the debit card like last week ..UM HECK NO!!! THAT CARD DONT WORK NOW!!!! WOW! CANT MAKE PURCHASES, CANT TAKE $ FROM ATM???. NOW DEBIT CARD DOESNT WORK EITHER! NO CUSTOMER SUPPORT AVAIILABLE VIA PHONE.. RED FLAG FOR ME*** ( ALERT ALERT ) & customer service via CHAT just tells me they don't have access to info and ( THEIR GO TO ANSWER- Sometime its a security risk flag- ( OR XXXX PROFILING I THINK ) and BOTTOM LINE NO access to your funds! FOR DAYS AND DAYS. THE CO. IS A SECURITY RISK- USING YOUR FUNDS- floating my $ using them for something else? YES YOU ARE. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 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: NV

Complaint narrative:
ON OR AROUND XX/XX/XXXX I WAS GOING TO APPLY FOR SENIOR LIVING HOUSING HERE IN XXXX XXXX NEVADA. AND THE AGENT ADVISED ME BEFORE SHE DO A HARD PULL OF MY CREDIT TO LETS LOOK AY XXXX XXXX. AND I NOTICED SEVERAL ACCOUNTS OPENED IN MY NAME ON OR AROUND XX/XX/XXXX - TO XX/XX/XXXX AROUND THE HOLIDAYS. THAT I DID NOT OPEN NOR AUTHORIZED. AFTER DOING MY INVESTIGATION THESE ACCOUNT WERE ALL OPEN ONLINE. THESE ARE FRAUD AS WELL AS THE MANY AUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I DID A STATEMENT WITH THE XXXX XXXX XXXX POLICE DEPARTMENT. WHICH HAS BEEN ASSIGNED TO A DETECTIVE I AM ASKING ALL 3 CREDIT BUREAUS TO REVIEW THE ATTACHED DOCUMENTS AND REMOVE ALL FRAUD ACCOUNTS LISTED AS WELL AS UNAUTHORIZED INQUIRIES FROM MY CREDIT FILE IMMEDIATELY.

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 2019-05-18 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: NV

Complaint narrative:
ON OR AROUND XX/XX/XXXX I WAS GOING TO APPLY FOR SENIOR LIVING HOUSING HERE IN XXXX XXXX NEVADA. AND THE AGENT ADVISED ME BEFORE SHE DO A HARD PULL OF MY CREDIT TO LETS LOOK AY XXXX XXXX. AND I NOTICED SEVERAL ACCOUNTS OPENED IN MY NAME ON OR AROUND XX/XX/XXXX - TO XX/XX/XXXX AROUND THE HOLIDAYS. THAT I DID NOT OPEN NOR AUTHORIZED. AFTER DOING MY INVESTIGATION THESE ACCOUNT WERE ALL OPEN ONLINE. THESE ARE FRAUD AS WELL AS THE MANY AUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I DID A STATEMENT WITH THE XXXX XXXX XXXX POLICE DEPARTMENT. WHICH HAS BEEN ASSIGNED TO A DETECTIVE I AM ASKING ALL 3 CREDIT BUREAUS TO REVIEW THE ATTACHED DOCUMENTS AND REMOVE ALL FRAUD ACCOUNTS LISTED AS WELL AS UNAUTHORIZED INQUIRIES FROM MY CREDIT FILE IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief