vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2019 I sent a dispute letter to Midland Funding and XXXX   about a dept they say I owe and put on my credit file. I asked for proof of verification per FCRA but they sent nothing to verify their claim that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
My student loan payment is due today ( XX/XX/19 ) however both the website and phone number are down for scheduled maintenance making it impossible to make my student loan payment. I have tried emailing, XXXXXXXX XXXX, and calling and have gotten no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient has continuously attempted to collect a debt that I do not owe. This debt was originally owned by Sallie Mae and the Sallie Mae loan were deleted from my credit report. They can not collect a debt that hat been deleted by the original owner. I requested information concerning the original creditor and the original account number on XX/XX/2019. I have included a copy of that request and a copy of the promissory note showing the original creditor and a copy showing that It was deleted from my credit report. This has been ruining my credit. They are violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
During my normal course of business, I received 2 wire transfers from a customer that was large, for a total of {$290000.00}. The money was received w/o any incidents or delays, and I was able to use the some of the funds ( about 50K ) and meanwhile 2 weeks have gone by. Out the blues, on XX/XX/2019, Bank of America decided to close my account without explanation and creating a hostile environment b/w any bank phone operators and myself. I travel a lot in my line of work, and when I finally came back to town, I was able to visit real live people that were very helpful but told me that the bank CAN and INDEED close my account for " suspicious behavior ''. This was one of the many different excuses that I was given over the phone, they ( BofA ) always had a different answer when I call. I know now that, the money was retained as " HOLD HARMLESS '' for an unknown reason or explanation from the bank. This situation makes me feel like I am doing something illegal or criminal, which I AM NOT. I will enclose all the transaction history that proves the legitimate nature of the wire. something that the bank has REFUSED to verify. I can not stress how damaging this situation has been to my business and my finances, I create around 10 % of wealth from that money which creates jobs for other people and my income. BofA has damaged my reputation and business practice with incredible malice, for which i have not gotten even a phone call. I have called repeatedly their corporate security dept. which is the instructions given anytime I call or visit ( Ph XXXX ) and all you can do with that number is to leave a message with a misleading promise that they will call back. I even, went to a lawyer to explore my options, and I will include a document describing their opinion. I can not believe in this day and age of fast moving business, that a banking partner like BofA will attack us with such XXXX like tactics and even threaten to NOT RETURN my hard earned money ( see letter attached ). All the while nobody in the bank takes responsibility for the cost and injury it has caused 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 explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: UT

Complaint narrative:
The Federal Loan website myfedloan.org has been down and isn't accessible. I can't access my tax information, because their website is unavailable, their app is also offline with a " System outage '' that was reported by MyFedLoan on XX/XX/XXXX as " technical difficulties '' that is STILL out on XX/XX/XXXX. The app error says " System outage : The PHEAA server is currently undergoing maintenance. We appreciate your patience. '' For SEVEN DAYS? This is critical information that has been out for nearly a week. Information vital to payments, taxes and other financial matters. How is it acceptable to be shutdown for this extended amount of time without any updates or ETA of availability?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES
State: OH

Complaint narrative:
Great Lakes Have a attempted to collect a debt that has been deleted from my credit report. The original owner of these accounts was XXXX XXXX. This XXXX XXXX debt was deleted from my credit report. This is ruining my credit and it is violating my rights as a consumer.I sent a letter in XX/XX/2019 asking who was the the original creditor and what was the original account number. They have taken my income tax in the amount of XXXX and I want this money refunded back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Since 2015, i have been using " XXXX  XXXX '' store card to purchase goods at XXXX. I was never mentioned about a " credit security fee '' or that fee wasn't shown clearly to me. This " credit security fee '' allows me file for debt relief if i am hit with major life altering financial situation ( kind of like insurance ). I was never told about this fee upfront clearly. I managed to get access to their banking statement ( the bank never sends me statements not by email/physical ) online today and i have been charged this fee since 2015. 

If i would have know about this fee, i would have cancelled it on day one. This practice by XXXX and synchrony bank is predatory. ( automatically signing up customers into these products without proper consent )

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 2019-04-07 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: PA

Complaint narrative:
XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX, and Equifax but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting a monthly payment of {$360.00}, XXXX is reporting {$0.00}, and Equifax is reporting {$360.00}. XXXX is reporting the date opened as XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX and equifax is reporting XX/XX/XXXX. XXXX  is reporting the last reported date as XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX, and equifax is reporting XX/XX/XXXX. XXXX  is reporting date last active as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and equifax is reporting XX/XX/XXXX. XXXX is reporting date of last payment XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and eqifax is reporting XX/XX/XXXX. all 3bureau 's are reporting the number of months ( terms ) to be 73 months when it is 72 months this totally violating my rights and i need this reporting removed from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: PA

Complaint narrative:
XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, Experian, and XXXX   but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX  is reporting a monthly payment of {$360.00}, experian is reporting {$0.00}, and XXXX is reporting {$360.00}. XXXX is reporting the date opened as XX/XX/XXXX, Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX, experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX  is reporting date last active as XX/XX/XXXX, experian is reporting XX/XX/XXXX, and XXXX  is reporting XX/XX/XXXX. XXXX is reporting date of last payment XX/XX/XXXX, experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. all 3bureau 's are reporting the number of months ( terms ) to be 73 months when it is 72 months this totally violating my rights and i need this reporting removed from my reports 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 2019-04-07 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: U.S. BANCORP
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX, and XXXX  but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting it as a Flexible spending credit card, XXXX  as a credit card, and XXXX  is reporting no account type. XXXX  is reporting a monthly payment of {$0.00}, XXXX  is reportng {$97.00}, and XXXX  is reporting {$0.00}. XXXX  is reporting the last reported date as XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and, XXXX as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. XXXX is reporting a high credit of {$5000.00}, XXXX is reporting it as {$0.00}, and XXXX  is reporting it as {$4400.00}. They have obviously not been investigating this as per my request and i would like this deleted ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07 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: TX

Complaint narrative:
Have tried to get Experian to block these accounts from my credit file.its been proven they were identity theft accounts.Police report etc.As well as getting copies of id and social used.nit mine.They are supposed to block or remove fraudulent accounts. The accounts I want blocked are XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX card services.They never did a proper investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, equifax, and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting it as a Flexible spending credit card, XXXX   as a credit card, and equifax is reporting no account type. XXXX   is reporting a monthly payment of {$0.00}, equifax is reportng {$97.00}, and XXXX is reporting {$0.00}XXXX XXXX is reporting the last reported date as XX/XX/XXXX, equifax XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and, equifax as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. XXXX  is reporting a high credit of {$5000.00}, XXXX is reporting it as {$0.00}, and Equifax is reporting it as {$4400.00}. They have obviously not been investigating this as per my request and i would like this deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX, and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting it as a Flexible spending credit card, Experian as a credit card, and XXXX is reporting no account type. XXXX is reporting a monthly payment of {$0.00}, XXXX  is reportng {$97.00}, and experian is reporting {$0.00}. XXXX  is reporting the last reported date as XX/XX/XXXX, XXXX XX/XX/XXXX, and experian is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and, XXXX as XX/XX/XXXX experian is reporting XX/XX/XXXX. XXXX is reporting a high credit of {$5000.00}, Experian is reporting it as {$0.00}, and XXXX is reporting it as {$4400.00}. They have obviously not been investigating this as per my request and i would like this deleted ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: TX

Complaint narrative:
Sent Equifax my police report along with documents showing the fraudulent id and social used to get these accounts.supposed to block them or remove.they have ignored it.finally found an attorney to file suit if they do not remove after this. The accounts are XXXX XXXX card services.XXXX XXXX XXXX.and XXXX XXXX.none are mine.all account originated in Colorado where I never lived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, my tax refund was deposit into a prepaid serve card through tax act. The amount was XXXX. I notice that when I started to use the card that there were unauthorized double charges I reached out to the Serve card who was very rude I was transferred to two different people. I explained to them that there were charges by both XXXX, and XXXX that I did not authorize. They told me that they looked at it and, the amounts would be credit back to me by XX/XX/XXXX nothing has been credit back to me. There was a charge on XXXX XXXX for XXXX and, a Charge for XXXX on XX/XX/XXXX, and I charge on XX/XX/XXXX with XXXX for XXXX what does not make sense is I do not have a XXXX account. I told them I was going to stop using the card tell it was fixed. Another was mailed ending in XXXX but has a XXXX balance and, the card ending in XXXX has a balance of XXXX they have not even fixed nothing no phone calls nothing. I called both XXXX and XXXX they can't release any information but, did tell me to reach out to my bank, and let them know because the information they have on file does not match mine. Well, of course, it does not because I did not use my card for those purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I recieved loans from XXXX XXXX as well as navient I requested a economic hardship deferment on XX/XX/19. Neither company has reached out I was told there is a delay in the processing of the forms that are electronically submitted however I am receiving current Bill 's as well as threats to report delinquent to the credit companies. I am unemployed and currently recieving state assistance. I am unable to make any payments hence the forms. However the student loan companies listed are not providing adequate options to prevent my account being sent to delinquency and penalizes due to their delay in deferment request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: TX

Complaint narrative:
Experian Section 15 U.S.Code 1692 { e ] False and Misleading Representation XXXX WHO is XXXX XXXX XXXX { XXXX } is scaming you to report this account again where you removed it a few years ago for lack of evidence and documentation By using the XXXX name Section1692 e { 14 } of the fair debt collection act, the XXXX circuit court states failure to use true name. Enclosed is case and the fraudulent effort to collect on a Alleged debt that I proved in the past was not mine and you removed it under XXXX, this explains why they refuse to show any documents also XXXX of Texas  refused you where notified by CFPB of these facts as they are witness to you getting the documents remove this fraudulent account at once 10 day to reply

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: AE

Complaint narrative:
XXXX XXXX XXXX website is currently indicating that it is down for " scheduled maintenance, '' and has apparently been like this for roughly 7 days. Furthermore, their " contact us '' section of the website is hidden behind the " scheduled maintenance '' page as well, making it difficult to contact the company to address the situation ( unless you already have their contact information ). This is delaying my access to tax documents and making it so I am unable to see the status of my monthly payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NC

Complaint narrative:
MyFedLoan 's site has been down for a week as of XX/XX/2019. I need to access my information in order to finish filing my taxes. I can not get customer service to respond. This is occurring with multiple people who can not access their accounts in order to obtain tax documents or to pay their loans. Both their main website and mobile app are not working. The website should not be down for " scheduled maintenance '' as it says for multiple days. I am unable to contact them through their webpage and have resorted to trying to contact customer service through social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Conn's, Inc.
State: TX

Complaint narrative:
In XX/XX/2015 someone using fraudulent info bought {$5000.00} in items at Conn's.despite me showing them police reports, and the I'd and social used I got from the store it was purchased at they have not removed this default item from my XXXX credit report.i never have lived in colorado.i provided proof of long standing residency of my address in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have been trying to Get a Credit Balance from From 2 US bank Branches in Ohio But to No avail. I will Not Wait 2 weeks to get my Over payment Balance. This is Decptive and out right fraud. They are making money on my money ... ... ... ... ... ... .. I Demand my Money with in 3 days

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