vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Purchase from Park West Gallery XX/XX/XXXX, sold to me after alcohol served by seller & product value misrepresented. Three days later I attempted to verify value of paintings, I contacted the company & advised their representative misrepresented the value & I cancelled shipment & told them I did not want their card, this was the first time I was told about a restocking fee, I advised that I was aware they have been sued for this type of fraud before & I would not be paying any fees. XX/XX/XXXX I received a bill from them {$99.00} I contacted the credit company disputed charges and advised they were fraudulent as I told Park West to cancel the card, and I never received or activated a physical card. They again cancelled the card and investigated. XX/XX/XXXX another card was opened in my name charges for {$65.00} were placed on the card and I received a bill. I contacted both the credit card company and Park West and advised I would not pay because I did not agree to the charges in the first place. They sent me an unsigned invoice and a signed sales draft ( that does not mention any restocking fee ) and a letter that has a breakdown of the fee. It indicates they had the value of the paintings at well under the {$400.00} to {$600.00} each that they gave as the value when they sold them. I received a credit alert last month that they reported the account as closed and delinquent, I disputed the account, but it has come back as verified. I do not owe Park West Gallery anything and this needs to be removed from 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 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Your response to my inquiry further demonstrates the incompetencies of your company. There was an investigation done over a year ago and your company has failed to provide me with the details of how the determination was made. I requested a re investigation this year and again, your company has failed to provide me with how this claim was processed. This is my last and final attempt to resolve this manner prior to litigation. Your company has failed to properly investigate the fraud claim which is quite evident from your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: LA

Complaint narrative:
Original creditor was XXXX  XXXX XXXX  in XXXX, but then suddenly it appeared on my credit report as of XX/XX/XXXX by paramaunt recovery sistems. so it impacts my credit score like it was fresh debt from XXXX. Never received any bills on this amount and any notices so I could be able to fix it. And since it was 3 and a half years ago, but the collection company reports it like it was this year wich impacts my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: NV

Complaint narrative:
Premier student loan scammed me by lying about the student debt relief they offered. The business has been shut down temporarily due to a lawsuit.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC

Complaint narrative:
Debt with XXXX XXXX was created in or around XX/XX/XXXX ( 14  years ago ) by an ex-boyfriend who had stole my personal information and opened several utility accounts in XXXX, Texas as well as in XXXX, Texas and their may be others that I am unaware of. Since finding out about the account years later when it went into collections ( as I never received original bills, because they were for an address that I did not live at ) and the collection company ( Portfolio Recovery ) hunted me down. I tried to take the steps necessary through their company to report it as fraud, but they relentlessly attempted to collect the debt, calling multiple times a day and even late into the evening. At one point I disconnected my phone because of their level of harassment. They started their attempt to collect the debt in XX/XX/XXXX ( approximately 6 years after the debt was created by XXXX XXXX ), and they have continued to send letters, and make phone calls to this date. I have now been contacted relentlessly for 9 years, even after filing the paperwork through their company to claim this as a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: AR

Complaint narrative:
JEFFERSON CAPITAL SOLD ZOMBIE DEBTS TO XXXX AND VIOLATED THE DODD FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
On XX/XX/2019 I submitted a dispute to XXXX. ( for an error an account that I did not open. ) The collection agency ( C.B.A collection bureau of ameica ) denied my honest dispute. Saying i was the correct person that opend the account. which is false due to the fact I was XXXX  in the california state XXXX  system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: MA

Complaint narrative:
I have someone else name on my credit report from Experian. I have reached out to them via Mail with documentation and received back that I have changed my name and they will do nothing about it. I have not changed my name and that this person is on my credit report and has the same last 4 numbers of social security as mine. This is clearly Identity theft

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 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: CO

Complaint narrative:
Vance & Huffman , LLC ( XXXX XXXX XXXX, XXXX VA XXXX ) is trying to collect a debt that they possibly bought from a company called XXXX , XXXX. I know nothing about this lender, debt, or collection agency/attorney. They claim they can't help and I need to report to credit agencies. They are the ones either scamming or got scammed by assuming false debt/loans. The first and only coorespondance on this matter is directly from Vance & Huffman. V & H has reported to the credit agencies, and now I have to fix this. Vance & Huffman claim that they sent over the " loan documents '' via email. These documents were never recieved. Vance & Huffman claim they have proof they were recieved which is impossible. These guys are scammers or fraudsters or else got scammed by XXXX , XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I started a Refinance of my home with Amerisave, and was pre-approved over the phone in XXXX this year. After over a month after paying them {$500.00} I got declined. I contacted them several times with no return calls. The appraisal took over two weeks because Amerisave did not schedule one. I requested the return of my money with no replies fro Amerisave. Also they never told what type of loan they were processing. 

Very Bad Customer service

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07 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 have contacted Experian multiple times requesting an investigation to verify the debt and asked who opened and signed for this account. I also ask them to remove this fraudulent account reporting in my consumer file that does not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The account listed below was opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The account is noted as 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 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: CO

Complaint narrative:
XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX ) is trying to collect a debt that they possibly bought from a company called Tempoe , LLC. I know nothing about this lender, debt, or collection agency/attorney. They claim they can't help and I need to report to credit agencies. They are the ones either scamming or got scammed by assuming false debt/loans. The first and only coorespondance on this matter is directly from XXXX XXXX XXXX. XXXX XXXX XXXX has reported to the credit agencies, and now I have to fix this. XXXX XXXX XXXX claim that they sent over the " loan documents '' via email. These documents were never recieved. XXXX XXXX XXXX claim they have proof they were recieved which is impossible. These guys are scammers or fraudsters or else got scammed by Tempoe , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Re : CFPB Case No. : XXXX XXXX Account Number We have received your complaint submitted through the Consumer Financial Protection Bureau ( CFPB ), regarding credit reporting for a Santander Consumer USA Inc. ( Santander ) account. Thank you  for allowing us the opportunity to address your concerns. 

Please be advised that we have reviewed our records with the information provided in the complaint and, unfortunately, we were unable to locate the account in question. 

In an effort to resolve this matter quickly, please provide us with additional information such as : the Santander account number or billing statement, your complete social security number, any prior last names, Vehicle Identification Number ( VIN ), or any other information you may have so we may review this matter further. Please submit the requested information through the CFPB. 

Once the information is received, the matter will be reviewed and a response will be provided. If further assistance is needed please contact us directly at XXXX XXXX XXXX XXXX XXXX. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. CONVERGENT IS VERY WELL AWARE THAT A REPRINTED STATEMENT IS NOT A VALIDATION OF DEBT AS I HAVE REQUESTED ON NUMEROUS OCCASIONS. 

The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter.

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 2019-11-07 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: GA

Complaint narrative:
I have been in PSLF-eligible payments since XXXX of XXXX. FEDloan is documenting only 48 qualified payments out of 82 ( 12 payments in each of XXXX plus 10 payments in XXXX so far ). I have always had PSLF-qualified loans AND payment plans. I have submitted employment eligibility  regularly over the years, and that is documented in my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have had to file this complaint MULTIPLE TIMES. EQUIFAX IS XXXX  GARBAGE WHO CONTINUES TO USE MY INCORRECT NAME WHEN I HAVE REPEATEDLY SEND THEM MY LEGAL DOCUMENTS TO PROVE MY LEGAL NAME CHANGE. THEY CONTINUE TO SEND ME EMAILS ADDRESSED TO MY PREVIOUS NAME WHICH IS VERY TRIGGERING AND UPSETTING, AND IN NO WAY REFLECTS ANY OF MY LEGAL DOCUMENTS. THEY REPEATEDLY CHANGE IT AND THEN CHANGE IT RIGHT BACK. THIS IS XXXX  AND UPSETTING EACH AND EVERY TIME. THEY REFUSE TO COMMUNICATE WITH ME OR TO CORRECT MY CREDIT REPORT. I LOST MY MORTGAGE THAT I HAD PREVIOUSLY BEEN PREAPPROVED FOR BECAUSE OF THEIR MISREPORTING. I LOST THE RENTAL HOME I APPLIED FOR BECAUSE MY NAME ON MY LEGAL XXXX DOCUMENTS DID NOT MATCH WHAT EQUIFAX HAD INCORRECTLY DISPLAYED ON MY XXXX CREDIT REPORT EVEN THOUGH I HAVE SENT THEM INVASIVE LEGAL DOCUMENTS PROVING MY LEGAL NAME MULTIPLE TIMES. I BECAME XXXX FOR OVER A MONTH BECAUSE OF THEIR GROSS XXXX AND NEGLIGENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Re : CFPB Case No. : XXXX XXXX Account Number We have received your complaint submitted through the Consumer Financial Protection Bureau ( CFPB ),  regarding credit reporting for a XXXX XXXX XXXX XXXX ( XXXX ) account. Thank you for allowing us the opportunity to address your concerns. 

Please be advised that we have reviewed our records with the information provided in the complaint and, unfortunately, we were unable to locate the account in question. 

In an effort to resolve this matter quickly, please provide us with additional information such as : the XXXX account number or billing statement, your complete social security number, any prior last names, Vehicle Identification Number ( VIN ), or any other information you may have so we may review this matter further. Please submit the requested information through the CFPB. 

Once the information is received, the matter will be reviewed and a response will be provided. If further assistance is needed please contact us directly at XXXX XXXX XXXX XXXX XXXX. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
On XX/XX/2019, opened sole proprietorship business account. On XX/XX/2019, called to close account as I will be moving to a state that does not have M & T Bank branch locations. Upon attempting to close, representative first advised {$50.00} fee for early closure. Upon asking the terms, representative could not confirm if this was for closure within 6 months or 180 days ( both of which did not apply in my case ). After being placed on considerable hold, representative advised that any account closure was subject to fee of {$50.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07 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: OH

Complaint narrative:
I am an online merchant/small business owner. My 2 websites offer PayPal as a method of payment. PayPal recently changed its policy to now when a merchant processes a refund, PayPal will keep the 2.9 % + .30 cents transaction fee. This is unheard of in the payments industry! The most a payment processor keeps is usually the .30cents transaction fee. I recently had 2 suspected fraud orders on one of my websites totaling {$5600.00} that used the PayPal service as a method of payment. Within 30 minutes of the fraudulent charges, I voided the orders and refunded the money back to its PayPal account. However, PayPal kept the 2.9 % processing fees, so PayPal took approximately {$160.00} from my PayPal account. Firstly, PayPal should not be doing this period no matter the transaction type! But, what makes this even more infuriating to me is they do this even when a merchant suspects the payments to be fraudulent. So, I was still robbed of {$160.00} but not from a fraudster in the XXXX XXXX but from PayPal in XXXX XXXX. This is unheard of and is nothing but theft in my opinion! Please investigate PayPal and demand fro them to stop thieving from the retailers that have made them a success. As a result of PayPal 's new policy, I no longer accept PayPal as a form of payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
I have no idea who ENHANCED RECOVERY COMPANY is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. ENHANCED RECOVERY COMPANY is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. Enhanced Recovery did not provide any information regarding this account when I requested information from the. via certified mail XXXX XXXX XXXX XXXX XXXX. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized ENHANCED RECOVERY COMPANY as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ ENHANCED RECOVERY COMPANY } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to ENHANCED RECOVERY COMPANY, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Today on XXXX I called AMEX ( American Express ) and Agent XXXX didn't verify my PIN number on the account before I proceed with the question. As I'm victim of identity theft and few months ago Fraud department from AMEX issue a new card to me and add the PIN #. When I asked agent why she didn't asked me for the pin, XXXX answered that is not necessary since I have a basic question ( disputing the charge ), after waiting of 20 min per my request call was transferred to the Supervisor XXXX. ( who are all located in XXXX ) stated that is not important my PIN to be verified if PIN was added long time ago ( which was added few months ago by fraud dpt. by AMEX ) As I'm concerned about my security looks like AMEX cust are not saved anymore. 
I bring to SV attention that AMEX customer Service was listed as # 1 and unfortunately I can't say that at the moment are # 1 she stated is there anything else that she can help me and hang up the phone.

Company response to consumer: Closed with explanation