vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-27 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal used my credit card to pay XXXX {$100.00}. I do not and have never used PayPal for this very reason. PayPal is little more than a ripoff. The following information was provided by PayPal via email. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX United States XXXX XXXX Transaction number XXXX XXXX XXXX, 2017 XXXX XXXX Payee XXXX which is a fraudulent address. 

Item # XXXX This is exactly why PayPal should be blocked from doing business in Georgia. I dont want my real name or address used due to PayPals abuse of peoples credit card info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian credit reporting agency is reporting that I have 2 late payments, but can not show where they are, I have no late payments AT ALL. 
In the last 90 days I have requested these be removed and they remove them for a brief period of time only to have them reappear.

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 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
In a response to CFPB complaint # XXXX, Wells Fargo chose to use Consumer Account Agreement as an excuse for making unauthorized changes to my savings account. Account conversation deemed necessary for assistance to the customer is in the agreement and states WellsFargo can make changes if they help with consumer finance. 

Unfortunately, a year later WellsFargo returned {$760.00} in fees and admits to depositing a check from XXXX XXXX XXXX ( merchant returned funds for fraudulent purchases ) into the closed account without informing me. 
The report to CFPB only acknowledges a payment but claims the amount is more than {$800.00}. 

As you will see in my feedback, the check was actually for {$760.00} and accompanied by a letter telling me to feel free to cash the check at any Wells Fargo location or contact my " tax attorney ''. The previous day I got a letter from Regional Manager XXXX XXXX practically daring me to enter any branch. 

In short, a year after the fact, Wells Fargo admits merchant XXXX XXXX XXXX returned funds to my closed account due to fraudulent purchases. Even with this knowledge a year later WellsFargo refuses to admit that the trouble with my account started with the unauthorized account conversation that lead to the clear 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 explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
This is a rebuttal to the response that XXXX XXXX XXXX replied. I DID NOT ASK THE DEFINITION OF A CHARGE OFF I am well aware of what that means. It 's a bank code that is used to show a loss. That did not answer any of my original questions with this company. What this company is doing is Double Jeopardy in a sense,. The initial company charges off the same account that they purchased or took over. The account number is the exact same as the initial. This makes the mortgage look as though it was charged off twice. Where is the signed documents? Where is the payment history? I did not ask them what the other company was did I asked what kind of underhanded treatment they are trying to pull. Just what accurate law and regulations are they quoting? How is this even close to being legal? For the first company to charge it off and then again this one. I would think that this violates the Fair Debt Collection Practice Act which would include unfair and deceptive practices. I want to see a Mathematical audit on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Please treat this complaint as a NOTICE OF ERROR under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

On XX/XX/XXXX, a non-judicial Foreclosure is scheduled to take place. Your Company served us with a NOTICE OF SALE UNDER POWER in XXXX County Georgia. However, the required notice is invalid and can not be used for foreclosure in the state of Georgia. 

Specifically, the notice has been served upon us, the property owners and published to the world but is inaccurate and incorrect. 

Please be advised that XXXX XXXX and Its foreclosing law firm, XXXX XXXX XXXX. has erroneously PUBLISHED THE PROPERTY LEGAL ADDRESS AS XXXX XXXX  XXXX XXXX XXXX GEORGIA XXXX -- -- HOWEVER, AS OF THE DATE OF THE SERVICE AND PUBLISHING OF THE NOTICE ON XX/XX/XXXX THE CORRECT LEGAL ADDRESS OF OUR PROPERTY WAS AND IS XXXX XXXX XXXX COURT, CITY OF XXXX XXXX, GEORGIA, XXXX. ( See EXHIBIT-4A as proof ) As of XX/XX/XXXX the legal notice has already published for three week under an false and erroneous representation. 

Although SPS Inc., Its Client or Representatives hold no security interest in our property, and is not a secured credit under Georgia law, nonetheless, in order for the company to be in compliance with the Georgia non-judicial foreclosure statute they must cancel the current foreclosure notice. 

Furthermore, we request that you answer the following question? Was loan No. : XXXX, previous number XXXX originated in lawful compliance with all federal and state laws, regulations including, but not limited to RESPA, TILA and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I was severely overcharged with this loan, and have been told I can get the PRIVATE COLLEGE loans forgiven, since I was attending when they were forced to close. Since they closed I no longer have access to the hiring office which was why I went there in the first place. 

I have yet to get a job in this industry and I am unemployed and XXXX years old with XXXX billing me XXXX $ in loans and fees. Some classes billed two and three times. 

please let me know how I can get help. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
I have repeatedly noticed a collection/chargeoff on my credit report from Comnwlth Fin. I disputed this error over a year ago because the debt was over 8 years old. Now this debt is updated regulary. This originated from a medical bill that is over a decade old. The chargeoff/collection amount is showing {$1100.00} reported XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Over ten days ago ( business days ) I requested Trusted ID Equifax to unfreeze my credit account and I was told it would take up to 48 hours. As of today, it is still frozen. I tried calling Trusted ID Equifax and Equifax itself to get help. I have been put on hold for over 10 - 15 minutes and been refused to be able to speak to a manager. I need my credit file unfrozen asap and I would not have frozen it in the first place if it was n't for their breach. This is hurting me as I have applied for a credit card with my credit union and they have been watching my credit file to see if it has been unfrozen. My credit union called me and informed me that my credit file had not been unfrozen on Friday, XXXX XXXX, 2017. This is very wrong that I can not speak to a manager and must be spoken to by someone reading off of a screen as to what to say to me. This is not customer service. Equifax should be polite and assisting clients in a professional manner because it was their fault all of this happened in the first place by not uploading security features. If nothing else, please make this complaint against Equifax for be uncooperative in assisting consumers. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted experian. Concerning XXXX XXXX and my credit report. I informed them of the fraudulent foreclosure or guess my property that usbank file I against me. Without any legal standings. I sent them to pull report along with support and documents. Informing them of the incidents and hardship that would brought upon me and my family. I asked for a credit update in writing to remove us bank from my report yet I were refuse. I first contacted experian XXXX XXXX 2017 about this situation and to date I have n't had anything in writing. 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 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There is incorrect information on my report when I dispute it, I was mailed a letter stating that is was verified, when there is no way the could 've verified it, I contacted the clerk of courts and they stated they do not verify anything over the phone or by mail the only way would be to come to the office with the social and it was actually have to be the person in question.

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 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is charging interest to accounts after a balance has been paid in full. When I tried to rectify this with Capital One they said that is their policy and that customers need to call in before paying off a balance. Nowhere on their website or statement does it inform customers that they need to call in before paying off a balance. In addition they state that your account has to have an offer before any interest can be waived which customers are also not informed of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There is incorrect information on my report when I dispute it, I was mailed a letter stating that is was verified, when there is no way the could 've verified it, I contacted the clerk of courts and they stated they do not verify anything over the phone or by mail the only way would be to come to the office with the social and it was actually have to be the person in question.

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 2017-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
I received the following email and Western Union will not release my payment to XXXX XXXX or back to me. I feel this request is not safe over the internet and should not give my personal information across the internet. There is no address or phone number on the email so to me it a scam. However, Western Union is now holding my money and will not release it which is causing me stress, as this is a car note payment that is currently in collections. 
Dear XXXX, On behalf of Western Union, we want to inform you that your recent transaction is currently on hold under security review. In order to continue processing, we need to verify your identity with a front-and-back copy of a government issued photo ID ; e.g., passport or drivers license. Please reply to this e-mail ( XXXX ) with a copy of the ID and its translation into English plus the following information : Your current address Your city of birth If you have any further questions or concerns, please contact our local Customer Service Center at the number indicated in your receipt with your tracking # ( XXXX ) available for assistance. Thank you. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The information transmitted, including any content in this communication is confidential, is intended only for the use of the intended recipient and is the property of The Western Union Company or its affiliates and subsidiaries. If you are not the intended recipient, you are hereby notified that any use of the information contained in or transmitted with the communication or dissemination, distribution, or copying of this communication is strictly prohibited. If you have received this communication in error, please notify the Western Union sender immediately by replying to this message and delete the original message

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Earlier this summer of 2017, XXXX ( an agent located in call center Colorado ) and I agreed on a final balance due XXXX of {$46.00} after a discontinuance of the internet service ; however, XXXX continually sent me an incorrect balance, a larger-billed amount of {$56.00}. XXXX then decided to send my closed account to a collection agency named Diversified Consultants , Inc., who now reported the wrong amount and info on my credit files with all three major reporting agencies that negatively affecting my FICO scores unfairly. 
I have requested that XXXX & Diversified Consultants do promptly research and correct the balance as previously agreed, as I 'm more than ready to make a payment to XXXX or Diversified Consultants for {$46.00} as previously agreed. Subsequently, I request for written assurance that collection remarks which wrongly affect my credit score with all reporting agencies to be promptly removed. 

Thank you for cooperation from all involved parties

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27 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: NM

Complaint narrative:
A fraudulent loan showed up on my credit report from XXXX XXXX. I contacted XXXX XXXX and they sent me a packet to complete and send back. I sent the packet by certified mail on XX/XX/XXXX and XXXX XXXX did not pick it up so I sent the packet again by both certified mail and priority mail on XX/XX/XXXX. XXXX XXXX signed for the first certified package on XX/XX/XXXX and the second Package on XX/XX/XXXX.  The tracking numbers are XXXX and XXXX. I also disputed the account with Experian. Experian notified me they had investigated and found that I had not contacted the company and they were n't going to remove it. I have attached the letter from XXXX XXXX dated XX/XX/XXXX and all the tracking documents. I called XXXX XXXX on XX/XX/XXXX and XXXX told me they had not received any of the packets I sent even though they signed for them.

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 2017-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
THIS WILL BE BRIEF HAD RECIEVED AN INSTALLMENT LOAN FROM XXXX XXXX XXXX OFF OF XXXX XXXX XXXX IN XXXX TEXAS. I HAD MADE MY FIRST PAYMENT OF XXXX DOLLARS EVEN. THEE LOAN WAS IN THE AMOUNT OF XXXX DOLLARS. THEE FOLLOWING MONTH I WENT TO MAKE AN PAYMENT AND THEY HAD CHARGED IT TO MY BANK ACCOUNT FOR A CHECK THAT WAS GIVEN TO THEM FOR THEE APPROVAL AMOUNT. COME TO FIND OUT I WAS GIVEN AN OVERDRAFT AND MY ACCOUNT KEPT WITH THESE OVERCHARGES TO MY ACCOUNT AND BANK FEES ALONG WITH THERE EXTRA CHARGES NOT INCLUDING MY PAYMENT THAT WAS MADE. MY NAME IS XXXX XXXX AND NUMBER IS XXXX THANK YOU AND YOUR SPEED OF SERVICE WILL BE GREATLY APPRECIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: GA

Complaint narrative:
I contacted Experian on XX/XX/XXXX and XX/XX/XXXX via USPS certified mail. There are four accounts listed as charge-off on my credit report which are n't mine. As listed on report : XXXX ...., XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX- XXXX .... Experian has ignored my request for validation and continues to send updated credit reports with " Information on this item has been updated. Please review your report for the details. '' In my letter I specifically asked for documentation bearing my signature and I do n't consent to XXXX or any sort of automated verification. Again Experian failed to comply with FCRA section 611 ( a ) ( 1 ) (  A ) and is continuing to further damage my ability to secure credit. Experian has allowed incorrect accounts to be reported on my credit report and I want them to remove it. I do n't understand how the information is verified due to incomplete account numbers listed on my credit report. I 've had no success with the direct creditors because of this missing information. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused.

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 2017-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I actually could have chosen several of the complaint subject because the all where applied as a result of retaliation, starting from XXXX XXXX, XXXX XXXX, Department of Education and Most likely XXXX XXXX. I was retaliated against after filing a claim in relationship to my deductions from my Social Security Check for two separate reasons, I have contacted as many agencies that I know of and continue to until I get a hearing concerning these matters. I have been locked out in order to be exposed to an assault using group stalking, arrested and jailed for resisting arrest without having committed a crime to be arrested for. I have been forced out of employment, Robbed and threatened inside of my housing. I have endured more than I can describe in a Dictionary sized book, and still to this day I am getting calls on a daily mostly robot calls, to include text of non relevant material. Intercepted Legal Mail, to include Appeals, At XXXX It  's not hard to recognize being the subject of an assault, rather you use cars for cover, call centers, glasses or an umbrella. Not to mention confirmation from others in the vicinity of their presence. Without saying to much at this moment though I have 3 different student loan debt collectors all claiming them the exact sane amount for an amount of money XXXX received and not me. Nor did I get a Higher Degree or Employment from them. But I did get beat, kicked shocked, and robbed of an inheritance because I was XXXX  for it. Never received Money or anything else from XXXX that can be considered an tradeoff. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX & XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX AS WELL AS U.S. Department of the Treasury Bureau of the Fiscal Service XXXX XXXX XXXX XXXX, Al XXXX have all been collecting {$33000.00} since 2008 after I wrote XXXX XXXX a Letter to get information on their claim

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: NY

Complaint narrative:
XXXX XXXX was reporting me late for almost 2 years even after i disputed the wrong information and the dispute took more then 30 days after disputing this for more then 8 times, and so did n't the credit bureaus do the ultimate job to investigate my disputes if they would do their job they would see that i was n't late on this account.

Company response to consumer: Closed with monetary relief