vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My grandmother got a letter in the mail stating I had tried to purchase a credit card for some company and called me immediately to ask me about this. My grandmother lives in XXXX, XXXX and I live in XXXX, XXXX. I haven't lived in XXXX, XXXX   for years. My grandmother then tells me that my Aunt has gotten a hold of my social security number from old school records my mom left behind, and has applied for a credit card in my name. I reported this online for fraud and never heard anything back. I'm young so I'm not 100 % sure how to go about this, and I work a lot so I haven't been able to get to a police station to file fraud on her. My wife and I are looking to buy a house soon, and need to correct these mistakes as soon as possible please. Thank you!

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 2019-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
The loan that I am paying to the company, XXXX XXXX XXXX, is too high and the company makes it a difficult and long process to make the payments. I discussed with XXXX XXXX XXXX that I want to make payments from my debit card by calling in and making the payments, instead of getting the payments made directly from my bank account. I was told this wouldn't be a problem. The first payment I called in to make, XXXX XXXX XXXX marked the payment as paid, but the funds were not taken from my account. I made this call on XX/XX/2019. When I saw my bank statement and realized the funds were not applied, I called to have it processed on XX/XX/2019. The total payment for {$130.00} was made that day. The process took nearly XXXX minutes. I was then told that when they played back the recording, XXXX at Last allegedly said that they had me saying to make the initial payment of {$100.00} on the following Friday, XX/XX/2019, and the remaining {$31.00} would be made XX/XX/2019. Since this payment, every following payment has been made on Friday 's. The phone process, for some reason takes nearly 30 minutes of long waiting, representatives saying that the debit card payments have to be made from a supervisor, that I unable to be put in direct contact with, and my payments accrue close to {$15.00} a day. The last payment I made, XX/XX/2019, the representative told me that my payoff amount on a {$800.00} loan is roughly {$830.00}. The representative then proceeded to say I made 6 payments when I have only made 3. I  would greatly appreciate assistance in anyway to get from under XXXX XXXX XXXX and other harmful companies such as this one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
this company approved me for a XXXX limit. then 3 weeks after card was mailed out to me. the company closed my account for no logical reason. also i accumulated reward points XXXXpts. in which the company will no longer let me used becuase of the closed account. i also called this bank to confirm purchases that i would be making in which they approved me to make the purchases. however once trying to purchase at store card was declined. i called this bank many times to get an understanding for these reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: UT

Complaint narrative:
DIV ADJ SERV has reported a disputed debt that I made aware to them was involved in a fraud and identity theft in a pending police report case and they went ahead reported to the credit bureaus anyways. They have violated my right under the fraud victim bill of rights. They have violated the FDCPA by reporting a disputed debt involved in a identity theft and fraud police case. 


Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX Detective XXXX XXXX XXXX XXXX XXXX Police

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was trying to buy concert resale tickets, and I met the woman on XXXX XXXX. We had a conversation on XX/XX/XXXX, and I decided to buy the tickets from her and sent the money via Paypal. She told me her colleagues Paypal account which was XXXX, and I sent USD XXXX on XX/XX/XXXX. However, today ( XX/XX/XXXX ) I tried to reach out to her again but her XXXX account was already deleted and I could not see the messages because the messages were all blocked. So, I would like to get my USD XXXX ( XXXX including Paypal fees ) back from these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: ND

Complaint narrative:
I discovered today that XXXX XXXX XXXX XXXX of XXXX. XXXX MN has been falsely reporting to the credit bureaus that a debt they purchased and obtained XX/XX/2019 is a new debt. On their website they falsely claim that the credit bureaus require that XXXX XXXX report the date they acquired a debt as the open date. My credit score has lost over 70 points because of their shady collection practices. A collection debt is a continuation of an original debt and this company is purposefully falsely reporting to credit bureaus the open date of accounts in order to negatively impact the debtors. This IS NOT A NEW DEBT. In their FAQs page they clearly state that if you pay your debt they will delete it from your credit report after 30 days. They also do not contact the debtors to inform the debtor that they are the collector and they try to excuse this on their page as well. Giving the debtor no opportunity to refute the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
A collection was added to my credit reports for a late payment in XXXX of 2018 in the amount of ( XXXX ). It for a {$2.00} payment for my XXXX account. It is an account for XXXX, but apparently ( I assume ) the billing process at some was taken over by Wells Fargo, so the account appears as /WF/XXXXXXXX  After several debits from my checking account by WF, I put a stop on it, simply because I has no idea who WF was? Ultimately, I spoke with XXXX customer service and after they explained who WF is and their relationship to my XXXX account, I paid the {$2.00} and XXXX agreed to remove the late payment. 

I have disputed this late payment with all three ( 3 ) credit agencies and they have come back with essentially with " Consumer Disagrees ''. XXXX is not following up with what they told me over the telephone. 

A review of my credit files will show this is the only blemish on my files. This {$2.00} late payment is reducing my FICO score about 40 point! A review of my credit files will also indicate there is no way I would jeopardize my credit worthiness over {$2.00}.

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 2019-05-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I made a payment of {$2300.00} on XX/XX/XXXX and the credit card company USAA placed a hold on my cc until XX/XX/XXXX. The company refused to remove the block or return the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have mailed a letter to American Express asking to close the credit card account ending in XXXX. For one there are outrageous late fees being applied to the account and I dont even know what the exact charges are. I have even had a balance transfer to try and resolve an issue with American Express. The balance transfer doesn't show any charges what so ever. I have also asked for a payment plan and sent monthly payments however those payments have not been acknowledge and they have went as far as to post this on my credit. I also have reason to believe that someone other than me is trying to access this credit card account. A man at XXXX XXXX XXXX ( manager ) in XXXX, GA even thought the credit card was maxed out which was very strange as to why would someone automatically assume they know about someones financial situation. A letter had already been written to close the account and was no longer being used. American Express continues to double to the fee by XXXX every month and they act as if the account is still open. It is getting out of hand. I have reason to believe that someone is still trying to add charges to the account. I have also had an issue with payments not being posted to the account after being sent. I also had problems with the account balance not being updated after payment has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: MI

Complaint narrative:
I disputed an account called XXXX XXXX XXXX with Transunion which is a credit card on my credit report because it was inaccurately reported as closed and past due. I also reported XXXX XXXX to CFPB in a previous dispute for violating my FCRA rights and falsely ruining my credit. This account was supposed to be in XXXX status and I never received bills or any letters or notifications from XXXX XXXX believing that the account was put in the correct status per my request before XXXX. What I came to find out was that XXXX XXXX XXXX failed to note my file as XXXX or lost any notes stating that it was in this status. However they were reporting my card as current for three months until this XX/XX/2019 when their system had an error. I sat on the phone with XXXX XXXX XXXX for 4 hours talking to a supervisor named XXXX who told me to dispute this with each credit bureau and they would correct it when the bureaus contacted them. Before hanging up the phone with XXXX I also made a {$200.00} payment for my XX/XX/XXXX payment which isnt due until the XX/XX/XXXX,  meaning I paid my bill well before its due date. This was something I was told would also be corrected on my credit report. 

This morning I was told my investigation was complete by TransUnion and that not only did they not correct the status of my XXXX XXXX account and return the 40 points they took from me they reported XXXX XXXX as an entirely new account, meaning they dont have to give my points they stole off my credit report due to a direct falsely reported status by XXXX XXXX. This new account that they posted instead is the exact same account number. This is illegal to XXXX with people credit like that. Its ruining my credit and making me look untrustworthy as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am a graduate student who took out a small student loan in XXXX through Navient and have been trying to pay it back early to save on interest. The original loan was for {$6500.00} in XX/XX/XXXX and to date i have payed ~ {$4000.00} back. I recently check my balance as i was planning on just paying the dividend and being done with it but when I checked my balance it said that i needed to pay it said I still owed {$5100.00}. I graduated XXXX inXX/XX/XXXX and started my phd work inXX/XX/XXXX. I believed my loan should have been in deferment with the exception for that one year period but of the {$4000.00} I have payed only a bit over {$1000.00} has actually went to the principal and the rest has repeatably gone to the " interest '' that Navient said would be expected if I payed it at their time schedule. Now if i want to pay the loan off today they are asking for a total of XXXX {$9000.00} for a {$6500.00} loan with only one year of interest. That doesn't make since. The federal student loan interest rate is 6.8 % and I am willing to pay that for the year that it was garnering interest but this price is drastically off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
My moneygram account was used for a money transfer under my name with a credit card that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I took out a private education loan of {$18000.00} from XXXX. I was attending XXXX XXXX XXXX XXXX of California. The account was opened on this XX/XX/XXXX. It was a 120 month, 10 years loan. 

I was never late with payments. On XX/XX/XXXX -- I paid the full remaining balance of the loan. The account was officially closed XX/XX/XXXX. 

In XX/XX/XXXX, I received a notice from NELNET LOAN SERVICES INC saying I owed {$220.00} and {$150.00} on two private education loans, and that this money was due in 30 days. I had never received any notice from Nelnet before this, not heard of the company. 

I called Nelnet in XX/XX/XXXX, to be told that I owed this money still and that XXXX had closed and became Nelnet. I explained that i had paid my loan off full in XX/XX/XXXX, and they said I should call XXXX ( now XXXX ) for more information. 

I called XXXX, who said Nelnet should have any information on the account. I was told by Nelnet that they would send me all the information to clarify why these new charges had suddenly appeared 7 years after the full payment date. 

I called again on XX/XX/XXXX at XXXX XXXX and talked to another customer service agent on a recorded line and she also promised to send documentation on where this charge came from. I have not received this. 

She also said she wouldn't send the {$220.00} and {$150.00} charges to collections for 30 days until we received the written documentation, which I have not received either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Calls every single day from multiple phone numbers. Calls from unknown phone numbers up to 6 times in a row. Extremely harassing. Portfolio recovery is the name of company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12 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: FL

Complaint narrative:
I was victim of identity theft, somebody used my personal information.

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 2019-05-12 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: CA

Complaint narrative:
This is not mine. its identity theft from someone else. i never had XXXX car. please remove this on my credit report. 


1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a credit limit of {$20000.00} -This is not my account.

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 2019-05-12 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: CITIBANK, N.A.
State: ND

Complaint narrative:
On XX/XX/XXXX XXXX ran a fraudulent inquiry on my credit report. Over time I found out it wasnt even my application and they made an error and clicked my name on XXXX. I have tried countless times to resolve this matter with both XXXX   and XXXX. I have gotten letters from both sides that they have deleted the account but what both companies need to realize is that it is an inquiry that needs to be removed. XXXX MUST SENT AN DELETE INQUIRY LETTER TO XXXX  BECAUSE THE CREDIT BUREAU IS NOT UNDERSTANDING THE SITUATION AND HOW MUCH DANGER THEY HAVE PUT ME IN. XXXX is now merging my report with my father who I have a protective order against. 

THIS WHOLE MESS STARTED BECAUSE THESE XXXX COMPANIES ARE NOT UNDERSTANDING THE URGENCY OF THIS MATTER. I NOW HAVE TO RELOCATE BECAUSE OF THIS PROBLEM

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 2019-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent notice to validate debt to portfolio recovery on XX/XX/2019. Portfolio received notice on XX/XX/2019. In return Portfolio sent bills and statements. They did not send documentation verifying the debt. They did not send contract containing my signature or that I was the individual who indeed opened account or owed said debt. I sent a follow-up letter on XX/XX/2019. Portfolio has yet to respond to my request. It is now XX/XX/2019. Well past the deadline of response. 

Portfolio has violated my rights under FCRA by not responding to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Pioneer Recovery Services- my student loan went on to default status. Within 2 days of default, Pioneer Recovery services made calls to multiple people that I may know ... my spouse, multiple in-laws, my parents, my friends, my office landlord, ... .. many, many, many people, multiple times per person. They already had my address and phone number- because they verified with these people, yet they repeatedly called my friends and family members. They are not supposed to let them know that they are a debt collection agency, however, they told everyone that they were " recovery services '' I know that they were offering me " student debt rehabilitation '' however, they will not send me any information about it- they demanded that I give them my financial information over the phone- will not give me any time to read the terms- had me on the phone for 40 minutes-

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 2019-05-12 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: CA

Complaint narrative:
This is not mine. its identity theft from someone else. i never had XXXX car. please remove this on my credit report. 


1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a credit limit of {$20000.00} -This is not my account.

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 2019-05-12 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: CA

Complaint narrative:
This is not mine. its identity theft from someone else. i never had XXXX car. please remove this on my credit report. 


1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2017 with a credit limit of {$20000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My Mortgage Company Ocwen sent me a letter once I came out of bankruptcy about refinancing my outstanding loan of {$160000.00}. In doing this I agreed to make 3 trial payments of {$1500.00}. I agreed signed papers and made 2 payments, before I could make 3rd payment I was advised that my mortgage loan would no longer be serviced by Ocwen but by XXXX XXXX. XXXX XXXX sent me information showing second payment in suspense and with a balance of over {$250000.00} and payment due of {$2300.00}. I received this notice with less than 15 days to make that payment. Now if I make that payment am I agreeing to the additional {$10000.00} they have added to my account as well as the {$800.00} added to payment? This seems quite outrageous and illegal.

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