vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
A credit card recovery firm obtained a Levy at the county level in NJ, and seized all of my savings in a joint savings account for an old credit card debt that my wife had before I met her WITHOUT ever notifying either of us, The money was simply withdrawn from my joint savings account without ANY prior knowledge, no opportunity to dispute the charges or negotiate payment terms whatsoever. I was never notified of a hearing or a judgement. This while my wife and I were actively paying down her debts and already improved her credit enough for her to finance a new car. The county gave this creditor preferential treatment and simply allowed them to take all of our savings. Be aware, your money is safer in your sock drawer than in any FDIC insured savings account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Friday, XX/XX/2019 attempt to purchase 2 XXXX XXXX tickets from an XXXX XXXX XXXX on XXXX. Paid him {$200.00} via paypal through friends/family transaction. Paypal does not pursue claims unless it is through a business transaction. XXXX XXXX XXXX XXXX XXXX XXXX told me it is unable to recant or place hold on funds since it is through a personal/friends/family transaction. XXXX XXXX XXXX will not refund the {$200.00}. Please see supporting documentation in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
My variable rate loan increased witched I expected it to do. However, I tried to contact XXXX XXXX to see if it could be adjusted since I have my home on the market for sale. I've called several times including (XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX) and have not been able to speak with the correct department yet. During this time, I went to the NC Banking Commission website and found they are not licensed in NC. Also, I did some research and found the web site below. I will probably not have to deal with them too much longer, but the other consumers should know about this horrible company. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Greetings I have initiated a dispute with EQUIFAX to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate this unauthorized inquiry belongs to me in which they have failed to prove.

Below are the reporting Inquiries that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter.

Regards, XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had 5 Chase credit cards, in XX/XX/2017, and Chase agrees, all were in good standing, paid in full and on time each month.  I cancelled a Chase Freedom card in order to apply for a different version of the freedom card, they sent me the new card and then cancelled all 5 of my cards because they stated they completed a random audit and decided I had too much open credit.  They did not notify me until two weeks later, via US mail.  Since then, I have applied for other Chase cards, mostly from the email offers they have sent me.  For each application, they do a hard pull on my credit report but won't tell me from what credit bureau they used, when they send the rejection letter.  The letter only states "Previous unsatisfactory relationship with this bank (Reference Number XXXX)".   I can't go back to the credit bureau, to correct any bad data, because that is not the reason given, nor has Chase ever given me a date of when this rejection will stop or if there is anything I can do to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.

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 2019-01-16 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: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
- Fraudulent XXXX transactions were sent to someone to a XXXX account with the name XXXX XXXX and email address XXXX - Chase personal and business account ( online accounts not linked ) - 6 charges from personal chase account - XX/XX/2018 {$280.00} - XX/XX/2018 {$350.00} - XX/XX/2018 {$430.00} - XX/XX/2018 {$440.00} - XX/XX/2018 {$480.00} - XX/XX/2018 {$490.00} - 1 charge from business account - XX/XX/2018 {$290.00} - I don't know this person and no one has access to my online accounts.

- After Chase completed its investigation on the personal account it responded with the following We have completed our research for the transaction ( s ) you reported on XX/XX/2018, and this claim is now closed.

Here 's what you should know - We found that the transactions was processed correctly or was authorized - As a result, we are removing {$2400.00} from your account on or after XX/XX/2018 - When I called them they told me - That some of the transactions where made on same IP addresses as authorized transactions - They also said that at least one of the times that one of these transactions where made they accessed my account through a finger print - Chase then removed the initial credit of {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have been in the process of working with PNC on a loan modification and they are going forward with foreclosure. please investigate for dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
My ex-wife XXXX XXXX took out a loan on a home I own at XXXX XXXX XXXX in XXXX XXXX and although I've been talking with Rushmore loans in CA when I found out they foreclosed on her since XXXX  of last year, it's only this week they actually got me paperwork. That foreclosure was filed against her, but did not include me as the owner of the home. I live in my deceased parents home at XXXX XXXX XXXX in XXXX XXXX and have just found out as of XX/XX/XXXX that my mother had a mortgage against the house I was unwaware of that has caused a foreclosure, but have not had enough notice to secure funding. I was not contacted prior to XX/XX/XXXX regarding this foreclosure, nor did I receive any prior notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: NY

Complaint narrative:
I contacted Experian regarding an account reported by them as late payment in XX/XX/XXXX for 60 days to be corrected. Experian never communicated back to me regarding the account. I contacted XXXX College been that on record per Experian, they report the late payment. XXXX  College advised that they are not responsible for reporting to the credit bureaus, all payments and reports are handle by XXXX  on behalf of all the schools. The said account is a student loan reported under my social security number reported by XXXX College according to the information on file with Experian. XXXX  College is the college I graduated from. While in college I took a federal student loan and upon graduation the loan is and has been managed by XXXX  on behalf of XXXX XXXX XXXX XXXX XXXX under account number XXXX, which is also on file with Experian and the status is current. There should not be two different reporting for one single account. The loan amount is {$3600.00} under account number XXXX, and I made a payment of {$40.00} on XX/XX/XXXX. I contacted XXXX they advised that my account is current and no negative reporting has been made. They clearly stated that XXXX college does not report or handle this account, and there should be only one single account reported to the bureaus not two different reporting and that report should come them not the college.

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 2019-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.A.Rogers, Inc.
State: VA

Complaint narrative:
I was not aware that a medical collection was on my credit report until I apply for credit. I contacted the collection agency to no avail and learned it was a hospital debt that I paid. I contacted the hospital and they confirm the debt was paid. I again contacted the collection agency to follow up with the hospital and they refuse. I also requested a copy of the debt and the collection agency refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
Initial federal perkin loan was with XXXX XXXX university for {$2100.00}. repayment start on XX/XX/XXXX and is paid periodically to a remaining balance {$1000.00}. Letter was received in end of XX/XX/XXXX for collection. However, I am unable to make payment to XXXX due to XXXX University changes its service provider. I had contact the new provider XXXX XXXX in middle of XXXX but they do not have my account and there is no way to repay my loan. 

In XXXX, I received notification from fafsa saying one of my loan is defaulted, upon check NSLDS, my perkin loan is defaulted in XXXX. I had contact XXXX XXXX on XX/XX/XXXX and they do have all my contact info ( including phone/address/email ) but they can not do anything regard to the account because the account had pass over to XXXX XXXX XXXX. 

XXXX XXXX and XXXX University had made no attempt to contact me regard to my loan servicer, loan status or payment options. Now that the account had pass to XXXX XXXX XXXX, I am subject to default charge and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.

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 2019-01-16 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
A credit card recovery firm obtained a Levy at the county level in NJ, and seized all of my savings in a joint savings account for an old credit card debt that my wife had before I met her WITHOUT ever notifying either of us, The money was simply withdrawn from my joint savings account without ANY prior knowledge, no opportunity to dispute the charges or negotiate payment terms whatsoever. I was never notified of a hearing or a judgement. This while my wife and I were actively paying down her debts and already improved her credit enough for her to finance a new car. The county gave this creditor preferential treatment and simply allowed them to take all of our savings. Be aware, your money is safer in your sock drawer than in any FDIC insured savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received an unwanted credit card from Chase. When I contacted them, they immediately began to treat it as fraud. I suggested they look internally rather that externally for the origin of the card, as it is against the law to send credit cards that have not been requested. That suggestion fell on completely deaf ears. This the second time Chase has mailed an unrequested card to our family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have a PayPal Account that has been permanently Limited, I have my bank card for another business along with a personal checking account linked. Upon the freeze I have no access to my accounts, I have tried to talk to PayPal and all I get is that my funds can not be touched for 180 days and none of my accounts can be removed. I do not even have the ability to email Paypal I have no authorization for that service. 
I have only {$220.00} being held, however I do not wish to leave my husbands bank card linked to the account. 

When I did speak with someone I was told that the bot or the computer was how my account was limited and once that occurs there is no reversal. I was told to read the " USE POLICY '' of which I have and there is nothing in there I have done. The only thing that I have used my account for was to take payments of between {$12.00} and maybe {$50.00} for webpage design and make purchases of software and other merchandise. 

I need to know what you can do for me? I need to get this resolved as soon as possible. 

Thank you. 

XXXX XXXX XXXX or email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr Cooper took over for our loan servicing company in XX/XX/XXXX.Loan number XXXX.My monthly payment is XXXX per months.Now due to an error on their part they are raising the escrow required. 
They are using docs from XXXX to adjust the escrow.Instead of using docs from XXXX and XXXX. one of the docs been used in my homeowners policy which was higher in XXXX than XXXX and XXXX.I have tried to correct this with them but they refused. 
My loan is a conventional loan without any PMI osr any other requirements.Attached you will find my insurance bills from XXXX that shows premium to be {$2600.00} yr and my XXXX that shows {$2600.00} yr.I am also attaching my tax bills from XXXX and XXXX.where it shows that my taxes went up {$57.00} for XXXX which equates to {$4.00} more a month. I spoke to a rep from Mr.Cooper today XX/XX/XXXX and they couldn't explained to me why the increased on the escrow.In fact they were using docs from XXXX and wrong tax info. 
I am appalled that this outfit is allow to practice as a loan administrator/Apparently they do not know how to do math or they are just crooked. 
Please help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: OH

Complaint narrative:
I got letter saying XXXX XXXX was going to garnish my wages. Im single mom on welfare and I can not afford {$86.00}. Im fine with the garnishment but last time you took. {$10.00} pay out and I would be okay with that again. I am willing to pay my debt. I also was never notified about this until, my employer told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX Notices XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is a resident not no retail business as stated by Experian. Experian needs to stop putting incorrect information and creating address and false information and stop adding made up address with incorrect information. Every other few months Experian has this pattern of false. Stop creating false address for profit to sell.

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 2019-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Around XX/XX/2018 I began discussions with XXXX XXXX, Branch Manager at Huntington Bank regarding opening a Business account to service my clients in Michigan. I reached out to the XXXX XXXX Branch of Huntington bank and began discussing the type of business I own and operate along with any and all requirements we would need in order to make sure the bank was willing to accept us as a client. I answered and provided all information requested by the branch manager, treasury manager, XXXX XXXX, and community manager, XXXX XXXX who assured me that there would be no problem opening my business account provided I set up a vault service. I was advised, given pricing, and contact information regarding " Huntington Vault Service Pricing and info '' which is an armored currier service I was told by Huntington would have to be set up in order for us to have a banking relationship. At the sole direction of Huntington Bank and for NO other reason, I reached out to their contacts, signed an agreement, and set up a Vault service for my account, which costs right around {$150.00} per month. I then flew to Michigan, in order to open my bank account and begin the relationship with Huntington. Longe story short, for NO reason, Huntington decided they did not want to honor anything I was told by their representatives, they would not allow me to use the Armored currier, they also would not allow me to withdrawal the funds I needed in order to operate my business. I lost and wasted time and money being lied to by a financial institution. I had to partner with a different bank in order to continue operating my business while Huntington took ZERO responsibility for the damage they caused. They are also requesting that I continue to pay the {$150.00} per month fee I'm being charge by an armored currier service and WILL NOT compensate me or pay the fee that was initiated at there demand for banking services. I feel they owe me at least that for the time, energy, and money I have wasted and been set back due to their negligence. Another example of big banks taking advantage of small business owners and consumers alike.

Company response to consumer: Closed with monetary relief