vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 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 recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2019-12-11 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: Premier Student Loan Center
State: WA

Complaint narrative:
I started business with Premier Student Loans Im XX/XX/2017. At this point I have put in at least XXXX towards my student loans through Premier. Then it turn out they are being sued for unethical business practices. I reported the payment I made to them to my bank, but my bank was only willing to help me with three of them ... and they may take that money back from me anyway. I want my money back. I owe over XXXX for school loans. In the meantime, my loan amounts seem to be going up. At one point, my student loan withdrawals from a Premier showed on my checking account statement as another company NOT Premier. I was told by a representative that it was okay and was normal because the company works with different businesses? This year I finish my XXXX XXXX this year and will need to start paying ASAP. Yesterday, Premier attempted to debit from my checking account twice!  And it was for amounts that I have never paid before ( XXXX dollars twice ).  I want my money back so I can actually give this money to the Department of Education for my loans. and of course all of this is happening during the holidays. I am completely disheartened.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
Called my work number saying they are on a recorded line looking for XXXX somebody. Did not identify who they were. There is no XXXX. I called back and they answer as XXXX XXXX XXXX XXXX which is a debt collection agency. They had no business calling my number in the first place without properly identifying this XXXX person they are looking for. I get spam texts frequently to XXXX so I think they are selling my number for more robocalls and texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: LA

Complaint narrative:
This account on my credit are not mines. I have disputed them with the credtiors with no success. I am at my last leg please help. Please delete and Block these accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I've been contacting MrCooper to get my check reissued for over a year, and nothing was done. Check # XXXX for {$1700.00} was expired and needed to be reissued since XXXX, but I still don't have my check. I've contacted them again, and they said they did put a stop payment on check XXXX and sent out another check. Still, I've never received it. I contacted them again, and they said they'd put a stop payment on check # XXXX, and another check was on the way. Here we're in XXXX, and still, no check received. I've contacted again, and now they're saying, " our records show that there are no checks to be reissued. '' They're completely lost there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX, a XXXX XXXX company, charged us in XX/XX/2019 an extra amount of {$23000.00} dollars. They argue that this charge is for an overtime services. 
1.- The contract DON'T STIPULATED overtime charges.

2.- BANK OF AMERICA paid this amount WITHOUT an authorization even when the credit limit of the account didn't support this amount. 
We contacted the Bank and they favor the Merchant. 
We couldn't contact the merchant, they don't respond.

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 2019-12-11 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: FL

Complaint narrative:
I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2019-12-11 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: GA

Complaint narrative:
XXXX XXXX is reporting to Experian and XXXX  incorrect and inaccurate information about my original account with XXXX XXXX XXXX. They have not fixed it despite my requests. XXXX is sending them a letter from the debt they bought from XXXX in XXXX. It became delinquent with the original creditor XXXX XXXX XXXX XXXX  in XXXX-XXXX. In XXXX, it was acquired/rolled over to XXXX. They are reporting the XXXX as the date of deliquency and hat is INCORRECT and they WILL NOT provide original creditor information. I have reached out to company and have told the credit agencies they are incorrectly reporting. I have requested ORIGINAL creditor dates over and over, and they take the letter XXXX provides from XXXX in XXXX as truth! Deceptive and malicious. Have submitted complaint about XXXX and now it is the agencies turn for skimming over me! This has impacted funding my business and buying a house.

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 2019-12-11 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: GA

Complaint narrative:
I have been asking Equifax to provide Proof of Validation for 3 accounts in collections on my credit report. I sent my initial validation request to them to them in XX/XX/2019 certified mail and received a response back from them dated XX/XX/2019 that the 3 item on my collection report were validated ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). I then sent a XXXX XXXXquest Proof of Validation Letter on XX/XX/2019 to Equifax and received a response dated XX/XX/2019 the same exact letter from the XXXX response ( another Oscar letter ). I then on XX/XX/2019 sent Equifax another certified letter of Proof of Validation and Pending Complaint Filing letter in which I received a response dated XX/XX/2019 again the same Oscar letter they sent the two previous times. I then on XX/XX/2019, sent another certified letter to Equifax requesting a Credit Bureau Verification Procedure Request and received a response dated XX/XX/2019 that they were valid and that they would no longer investigate. The letter also was the same Oscar letter i have been receiving from them. Equifax has not been thoroughly been investigating these collections and instead just allow Oscar to generate responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: LA

Complaint narrative:
This account on my credit are not mines. I have disputed them with the credtiors with no success. I am at my last leg please help. Please delete and Block these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: LA

Complaint narrative:
This account on my credit are not mines. I have disputed them with the credtiors with no success. I am at my last leg please help. Please delete and Block these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CARS Acquisition, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I was forced into a payment arrangement with no other options based off the branch my title is located. I was given the amount of {$470.00} but the last payment change in XXXX the week I was supposed to make a payment TO {$500.00} I was told it was a additional late fee added but the late fees are {$32.00} which is not adding up. I spoke with someone who stated to tell her which bill and she will decide if I can make the payment. I received a call Monday and inform the company I could make the payment of the {$500.00} on Thursday XX/XX/XXXX was told no and the collector hung the phone. I called back informed the next collector of what happen and to process the payment on my account for Thursday XX/XX/XXXX and received a confirmation number. The collector who processed the payment took the funds out of my account on Monday XX/XX/XXXX. I called to address the situation and spoke with the same collector, she stated I gave her permission which I told her there is a recording of the entire conversation. She then started to yell and hung up the phone. I called back and I ask to speak with a manager and collector told me he is busy. I also asked where was the office located to speak with a manager and the response was where your title is ( Title for the car ). Being this payment was processed without my permission on a day I did not authorize, I now have bank fees and my account is over drawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I recently lost my job and attempted to place a hold or cancel any monthly subscription services which auto debit from my account. Unfortunately I missed some and my account dipped onto the low side. 
XX/XX/XXXX Account was negative XXXX AFT attempt from XXXX for {$1.00}. USAA declined the transaction and assessed {$29.00} NSF fee XX/XX/XXXX XXXX attempted the AFT again, declined {$29.00} NSF assessed. 
XX/XX/XXXX XXXX attempts AFT, declined NSF fee assessed. 
XX/XX/XXXX XXXX  attempts again, declined {$29.00} fee assessed. 
XX/XX/XXXX XXXX makes another attempt, declined {$29.00} fee assessed. ' Balance XX/XX/XXXX is - {$80.00} XX/XX/XXXX XXXX  finance attempts AFT, declined {$29.00} fee assessed. 
XXXX XXXX is only company that attempts to withdraw. XXXX makes 7 attempts between that time frame and all 7 are declined with {$29.00} NSF fee totaling {$200.00} in fees. 

XX/XX/XXXX XXXX  makes another attempt, declined NSF fee assessed. 
XX/XX/XXXX XXXX attempts AFT, declined, NSF assessed XXXX XXXX makes an additional 4 attempts all declined and additional {$110.00} in NSF fees against the account. 
XX/XX/XXXX XXXX attempts again, declined, NSF fee assessed. 
XX/XX/XXXX XXXX attempts AFT, declined, NSF assessed. 

This continues through present and my account is now - {$790.00} all in NSF fees. Not one bill was paid, and these fees are resulting from each company making multiple attempts to clear payments. 

Until I am working again, hopefully soon, I have no funds to get this account even close to a XXXX   balance. By the time I am able to fix this, I may owe close to {$2000.00} in NSF fees for a total of 7 individual transactions that made repeated attempts on my account. 

I can't understand how this could be on the up and up. As a matter of fact, I have been involved in at least two class-action lawsuits in the past involving XXXX and XXXX for similar issues being shady with overdraft fees and how they chose to apply those fees. 

If this seems off to you as well and you believe you can assist me in getting this under control, I want to thank you in advance. 

If all the fees from USAA appear legit and I'm just in an unfortunate situation, please let me know and I'll stand down and accept that I singed up with a bad bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I OREERED A STOVE RANGE ON THIS CARD I HAVE NOT RECEIVED IT HAS NOT BEEN DELIVERED. I TRIED CALLING THE COMPANY ( XXXX  ) WHERE I PLACED THE ORDER, COMENITY BANK HOLD THE CREDIT CARD ACCOUNT. I CALLED TO DISPUTE THW CHARGE AND THE BANK IS VORRIED ABOUT A MIDDLE INITAL SOMETHING DON'T SHOW ON THE PAPER CARD THEY SENT ME,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have 3 separate savings accounts that are custodial accounts from when my children were small. Two of them are XXXX XXXX  and one is XXXX XXXX XXXX. They still have funds in them and now that my children are older I would like to give them their savings. These accounts were setup when they were young. I researched through the internet who now took over these banks and found that Bank of America had them. On XX/XX/19 I contacted Bank of America at XXXX. The customer service representative stated that they had no record of the accounts and I was to contact Unclaimed Property at XXXX which I did. It lead me to the Connecticut Unclaimed Property site. The information for these accounts and our last name resulted in no match. I contacted Unclaimed Property by phone and they stated I needed to send a copy along with a letter to Unclaimed Property Research so that they can see if they can locate the funds. I received a letter back that they had no unclaimed property under those names. I contacted the Banking Commission at XXXX and they were able to verify for me that the FDIC site did show that Bank of America either purchased or merged these two banks. I did call back Bank of America and tried to speak with someone else but they sent me back to Unclaimed Property again. I am writing today because there is approximately {$5000.00} in these accounts and I would like to gain access to turn my children 's savings over to them. I am attaching my information about the accounts as well as the letter from Unclaimed Property. 
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 explanation
Consumer complaint received 2019-12-11 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: GA

Complaint narrative:
XXXX XXXX is reporting to XXXX  and Equifax incorrect and inaccurate information about my original account with XXXX XXXX XXXX. They have not fixed it despite my requests. XXXX is sending them a letter from the debt they bought from XXXX in XXXX. It became delinquent with the original creditor XXXX XXXX XXXX XXXX  in XXXX-XXXX. In XXXX, it was acquired/rolled over to XXXX. They are reporting the XXXX as the date of deliquency and hat is INCORRECT and they WILL NOT provide original creditor information. I have reached out to company and have told the credit agencies they are incorrectly reporting. I have requested ORIGINAL creditor dates over and over, and they take the letter XXXX provides from XXXX in XXXX as truth! Deceptive and malicious. Have submitted complaint about XXXX and now it is the agencies turn for skimming over me! This has impacted funding my business and buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XX/XX/2019, I contacted Navient for my Son 's private Student Loan. 
II borrowed XXXX and now the Interest is so high it is triple now. 
I always call every month to pay. On XX/XX/XXXX and also in XXXX and XXXX, I had called to make sure payments were processed, on Two occasions when I called in XXXX, 2019 and XX/XX/2019, The representative stated My payments were current and I did not owe any money until the following Month .... 
So I noticed an email the very next day in XXXX, after making two payments to get caught up ... .and over the phone the representative said, " You are current '' nothing is due until next month ... .. 

So same thing happened in XX/XX/2019. I gave a payment over the phone. 
The next day and over the phone I continued to have emails, and phone calls stating that i owe two payments ... ..When the Rep said, I was caught up. 
So I called them back to speak with a Manager, and the Manager stated that they never received my payment. I gave them my payment over the phone and they said, I was caught up. I checked my bank account, but the payment was never taken. 
So I had to call them back in XXXX and do everything all over again ... ..Because the previous payment was never processed. In XXXX, I made two payments and they did go through ... ... but they stated that I still owed them money even though they Explained " I was all caught up ''. Then emails and phone calls keep coming in saying I did not pay. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: TX

Complaint narrative:
In XXXX of XXXX I received a collection letter from this scam company stating I owed money for tolls to the XXXX. I do not have an XXXX   account I have a XXXX account and all of my tolls are paid through my XXXX that has been on my car since it was registered. 

I asked them to validate the debt in XXXX, they couldn't and they stated they were closing my account. 

In XXXX I received another letter from them stating I owe {$160.00} with a " new '' account number on it. 

Once again I disputed the debt but this time they actually responded. 

Yesterday I received the attached " validation '' letter from them where they now claim I owe {$1000.00}. 

Somehow after I exercised my rights under FDCPA they added {$840.00} to the total they claim I owe. 

Either they have no idea what they are doing or they are purposefully trying to be deceitful and are violating both FDCPA and UDAAP. 

I have also attached my XXXX statements that show I had an account with them from XX/XX/XXXX and it was in good standing during the time frame they provided on this amateurish " Validation of Debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/2019, I sent {$300.00} to a friend via PayPal. They money was taken from my account on XX/XX/2019, then refunded the same day. PayPay then debited the funds again on XX/XX/2019. Each time my friend and I contact PayPal, we are given a different day to expect the transfer to be completed. They most recently said that the transaction would be complete today ; XX/XX/2019. We contacted them by phone today and they terminated our call. They have said that the money is being held by a " clearing house. '' Today they claim that the federal reserve has it. This is a domestic transfer of funds. I would like for my money to be returned to me ; or sent to my friend as originally requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: GA

Complaint narrative:
This is NOT a duplicate complaint. This is a NEW  complaint. I provided evidence of my residence from years XXXX-XXXX, as requested by Ms. XXXX. Ms. XXXX  in formed me the matter would be resolved within 24 hrs. As of the date of this complaint Ms. XXXX  refuse to recognize my complaint nor communicate with me regarding this Fraudulent debt. Please contact Ms XXXX  on my behalf. ProCollect is willfully ignoring the evidence I provided as they requested and received.

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