vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2018, a fraudulent activity occurred in my PayPal account, where money got sent from my account to some XXXX XXXX in the amount {$1100.00}. 
I called PayPal about this transaction, and they recognized that this was a fraudulent activity. The amount has not been refunded, and after following up with Customer Service was informed that Paypal can not do more to get my back, because the merchant has refused to refund. I have sent two emails to XXXX XXXX ( CEO of Paypal0, but no response from him. 

I need help here, because PayPal is unwilling to rectify a fraud that occurred on their site. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20 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: NY

Complaint narrative:
in regards to complaint number XXXX company states they have verified this debt. I have received no documentation from experian regarding what was used to " verify '' this charge off. This account is still on my credit report in good standing I should not have a charge off for this account. Provide the proof of this debt being valid and proof that this should be a charged off account. Also company did not respond to my CFPB complaint at all. this should be removed from my credit report as company and credit bureau should report correct 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 explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In XXXX of XXXX I was behind by a payment on seven private loans with Navient, so I called to make a payment and find out what options I had on dealing with the issue. 

XX/XX/XXXX I spoke with a representative named XXXX who helped me apply for forbearance and request a rate reduction program. I made a payment of {$450.00} to bring my account current and specifically asked her if I needed to do anything to ensure it wouldn't affect my credit report ( as nothing had been submitted yet ). She recommended making an additional payment to ensure it doesn't go past due while I was waiting for approval of the rate reduction program. I made another payment on the same call for {$300.00}. As part of setting up the program, I also set up autopay to have {$450.00} paid on XX/XX/XXXX and XX/XX/XXXX to keep the account current while I was pending the program. Those payments both came out as well on the respective dates. 

XX/XX/XXXX I noticed that a delinquency was posted on my account ( per XXXX ) and I was confused because I was told by XXXX that this wouldn't happen and I hadn't lapsed in payments. 

XX/XX/XXXX I called Navient and spoke with a manager in collection named XXXX. I explained what happened and asked about the credit reporting and he said they were " backed up and they falsely reported '' the delinquency. XXXX told me that " the collection will be reversed '' and on " XX/XX/XXXX theyll rescind the delinquency ''. He also informed me that I was approved for the rate reduction program and would be paying {$450.00} a month with 3 % interest rate on all of my loans for the next 6 months. 

XX/XX/XXXX My credit report still shows a delinquency so I called Navient again to follow up on the issue. I spoke with XXXX ( ID # XXXX ) who read my account notes and said there is a note that they requested it changed and late fees should be removed. She transferred me to a manager named XXXX ( ID # XXXX ) who said there was nothing he could do about reversing a delinquency. He said he would add notes to my account and request a review from an ombudsman who would review the calls I referenced and determine if my complaint was valid. He told me this person would reach out in 2-3 days at most and it's been a week and I haven't heard anything. 

XX/XX/XXXX I also submitted disputes with XXXX for the four loans that show as delinquent. I don't understand why it was only four loans since I have seven loans with Navient. This makes me think they were applying my payments to only some loans and not all of them, therefore allowing some to go into delinquency for a couple of months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Capital One 360 banking apparently uses access codes, to link external apps and users, in order to increase my privacy and account safety. However, none of my other financial tools or account have been able to use any form of connection or access to be able to manage my funds and handle my monetary endeavors due to Capital One blocking the access no matter what security is or is not in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: Prosper Marketplace, Inc.
State: MS

Complaint narrative:
This company has two accounts listed on my credit report for loans that I did not take out. I have asked this company to provide me with all of the documentation that shows how this account was opened. The company has refused to provide me with this information. I have informed them that another account was opened in my name during the same time and that situation was quickly resolved. I was actually unemployed when these accounts were opened. The problem here is that I have never received any correspondence from this company about these two loans at any time. I have not received anything that stated they were trying to collect a debt owed. I found out about these accounts because they appeared on my credit report two years ago as being delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have submitted multiple requests to Wells Fargo Home Mortgage, XXXX, and XXXX to correct an error on the reporting on my mortgage payments for the months of XXXX and XX/XX/XXXX. The months of XXXX and XX/XX/XXXX are being reported as both being 60 days late. The XXXX was 30 days late and the XX/XX/XXXX payment was on time. When I requested the error be corrected to Wells Fargo, they replied XX/XX/XXXX, that the XXXX payment would not be corrected as it was more than 30 days late and the XXXX payment was not reported to any either XXXX or XXXX as being late, that it was reported as an on-time payment. I contacted Wells Fargo by telephone approximately XX/XX/XXXX and submitted by fax the documentation showing that this was not correct that both the payments were reported as 60 days late on my XXXX and XXXX reports. Wells Fargo stated they did not have the ability to correct what was on the credit report as they were not reporting the payments late in their records. Wells Fargo stated that I needed to submit the letter from Wells Fargo to XXXX and XXXX   for correction on the reports. I submitted all documentation to both including documentation of the payments in XXXX, XXXX and XXXX. Both XXXX and XXXX will not correct the reporting of these two months. All Reponses state that both XXXX and XXXX confirmed with Wells Fargo that the payments were reported correctly. XXXX and XXXX completely ignored the letter from Wells Fargo stating there were not reported correctly. During the last dispute, XXXX   changed the reporting to include XX/XX/XXXX payment as 60 days late, which is completely inaccurate and was a recent change.

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 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple requests to XXXX XXXX XXXX XXXX, Experian, and XXXX to correct an error on the reporting on my mortgage payments for the months of XXXX and XX/XX/XXXX. The months of XXXX and XX/XX/XXXX are being reported as both being 60 days late. The XXXX was 30 days late and the XX/XX/XXXX payment was on time. When I requested the error be corrected to XXXX XXXX, they replied XX/XX/XXXX, that the XXXX payment would not be corrected as it was more than 30 days late and the XXXX payment was not reported to any either Experian or XXXX as being late, that it was reported as an on-time payment. I contacted XXXX XXXX by telephone approximately XX/XX/XXXX and submitted by fax the documentation showing that this was not correct that both the payments were reported as 60 days late on my Experian and XXXX reports. XXXX XXXX stated they did not have the ability to correct what was on the credit report as they were not reporting the payments late in their records. XXXX XXXX stated that I needed to submit the letter from XXXX XXXX to Experian and XXXX for correction on the reports. I submitted all documentation to both including documentation of the payments in XXXX, XXXX and XXXX. Both Experian and XXXX will not correct the reporting of these two months. All Reponses state that both Experian and XXXX confirmed with XXXX XXXX that the payments were reported correctly. Experian and XXXX completely ignored the letter from XXXX XXXX stating there were not reported correctly. During the last dispute, XXXX changed the reporting to include XX/XX/XXXX payment as 60 days late, which is completely inaccurate and was a recent change.

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 2018-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Land Patent issued to my property, which means : A patent issued, by the government of the United States is legal and conclusive evidence of title to the land/property described therein. No equitable interest, however strong, to land described in such a patent, can prevail at law, against the patent. 

The supreme court of the United States of America has upheld this time after time. No government, local, state, or federal, bank, mortgage company or speculator can take it, period. It has consistently ruled against the taking of these lands/properties for debt, which includes foreclosures, and even unpaid taxes. 

The Homestead Act stated in Section 4 : " That no lands acquired under the provisions of this act shall in any event become liable to the satisfaction of any debt or debts contracted prior to the issuing of the patent therefor ''. 

Allodial property can not be foreclosed upon or liened.

a patent to property is the highest evidence of title and may not be collaterally attacked [ State v. Crawford, 441p2d 586,590 ( Ariz. app.1968 ) ] the land patent is the highest evidence of title and is immune from collateral attack. [ Raestle v. Whitson, 582 p.2d 170,172 ( 1978 ) ] With all this, I'm filing a complaint against J P Morgan Chase Bank @ XXXX XXXX XXXX, XXXX , OH XXXX, and XXXX XXXX XXXX @ XXXX XXXX XXXX , XXXX XXXX, XXXX , TX XXXX, for wrongfully, unlawfully and illegally autioning the sell of my property @ XXXX XXXX XXXX, XXXX , TX XXXX on XX/XX/XXXX. Chase was given a copy via certified mail, of the Land Patent that has been brought up in my name, and therefore they don't have the legal authority to sell my property for which is in direct violation of the federal law. 

Therefore, I demand that Chase and their attorney immediately stop the sell of my property on XX/XX/XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX purchased our mortgage in XX/XX/XXXX. Our insurance and taxes at this time were escrowed. In XX/XX/XXXX I received a letter saying our insurance hasn't been paid, at that time I assumed the insurance was going to be paid before the cancellation date of XX/XX/XXXX. On XX/XX/XXXX, I received another letter from our insurance carrier ( XXXX XXXX XXXX XXXX ) that XX/XX/XXXX is the final day for payment or we would be cancelled. I called XXXX XXXX  spoke with XXXX ( a supervisor ) he said he would take caf of the problem it was an " internal issue '' and it would be taken care of. They were waiting on approval from their insurance department. I assumed it was taken care of only to have XXXX XXXX XXXX email me to ask about new insurance. I then purchased new insurance but withheld payment until I spoke with CMG. On XX/XX/XXXX I spoke with XXXX from CMG and told her they needed to pay for the insurance because they have my money. She agreed they dropped the ball and have XXXX XXXX XXXX send them an invoice they would pay the bill. On XX/XX/XXXX XXXX XXXX XXXX sent the invoice with proof on insurance to CMG for payment. As of today XX/XX/XXXX the bill has not been paid and its about to expire on XX/XX/XXXX. I called CMG on XX/XX/XXXX at 8:30am spoke with XXXX ( supervisor ) he stated they received the proof of insurance on XX/XX/XXXX ( not true ) and he would process the request and it would take 3-4 business days to issue a check and it would be overnighted. This would put us outside the window and XXXX XXXX XXXX will cancel the policy. I have spent over 3 hours on the phone over the last 1.5 months only to listen to lies about my money and my insurance. I have since left my Credit card with XXXX XXXX XXXX incase the bill is not paid by XX/XX/XXXX. I should not have to do this. Also, because of lapse of insurance my premium increased over XXXX a year. XXXX XXXX XXXX direct line XXXX ext XXXX. This truly needs to be investigated. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 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: Ditech Financial LLC
State: PA

Complaint narrative:
I agreed to a payment arrangement with Ditech to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that Ditech had purchased and collected on. Ditech stated that the payments would reflect on all three credit reports, XXXX, XXXX, and XXXX. I have sent multiple requests to Ditech, XXXX, and XXXX to update the reporting of this account on the credit reports. I received multiple letters from Ditech that state the account was defaulted on in XXXX, charged off in XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to XXXX and XXXX agencies for correction of my credit reports. I have received the same response from both XXXX and XXXX of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by XXXX and XXXX. XXXX lists all the above referenced months as FP which is translated to mean FAILED TO PAY and XXXX states no payment received. Ditech stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices Ditech used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies XXXX and XXXX are not taking steps to ensure accuracy on my report or responding to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: United Student Aid (USA) Funds
State: TX

Complaint narrative:
UNITED STUDENT AID ( USA ) FUNDS- was paid in full XX/XX/2016. The balance shows XXXX  which is correct but I am requesting the status be changed from Accounts With a Negative Pay Status-Derogatory to paid in full positive status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ABR Recovery Services LLC.
State: CA

Complaint narrative:
The debt collector ( ABR ) has falsely " parked '' old debt on to my credit report that was found to part of identity theft from XXXX. They have tried to " reage '' this debt onto my credit report as being opened XX/XX/XXXX and owing {$1200.00}. They have also falsely and illegally reported twice on this same account for another {$1200.00}, and have falsely said this was opened XX/XX/XXXX. ABR recovery services has illegally harmed my credit on a debt that is not mine. XXXX and XXXX cleared this identity theft over 3 or 4 years ago. I have written ABR with no response. I have asked them to remove this from my debt as I do not owe on this debt. Not only have they refused to give me information on this debt, they have now double reported on my credit report in an effort to collect more money from me. My next step is to sue them in court if this is not resolved. I have attempted to get this fixed for almost 2 years now with ABR. They have falsely reported wrong information on my credit report with XXXX, with the sole purpose of keeping this debt " alive '', when it should have been removed from statue of limitations in XXXX and when this was found to be used from identity theft years ago. Because this information was removed over 3 years ago from my credit report I did not keep that paperwork as I thought it was final. Then ABR parked this old debt after purchasing it wrongfully after the fact when it had been removed from my credit report. The original debtor was XXXX and had been removed from my credit report only for them to sell this wrongful debt to ABR after it had been found to be part of several accounts used as part of identity theft. I have asked for any signatures of mine, driver license, proof that this was my account and have yet to receive anything back. Please help me get this matter resolved as I feel extorted to pay two debts on an otherwise clean credit profile while Im looking to purchase a home. After an inquiry on a mortgage is when the 2nd reporting of the {$1200.00} debt was added to my credit report. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
My Lender Loan CarXXXX, did the annual review of my escrow/impound account and found there was an overage of {$110.00}, the statement showing this is dated XX/XX/XXXX. 
Then I receive a Statement dated XX/XX/XXXX which states now their is a shortage and Increased my payment {$3.00}. 
On XX/XX/XXXX after I had received the overage check I called Loan Care and said I would rather leave the money in the escrow account so as to not increase my monthly payment and gave them the money back, confirmation # XXXX. 

Then I receive the monthly statement dated XX/XX/2018 which says my payment has increased by the {$3.00}, I called Loan Care to inquire about the payment not increasing because I gave them the {$110.00} back and was advised that would do nothing to reduce the payment. This whole process does not make since, I would rather the lender keep any overage or give me the opportunity to pay any shortage rather than increasing my payment. 

This seems like extra work on everyone 's part.

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 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Opened XX/XX/2016 for XXXX XXXX XXXX. 
National Credit Systems XXXX. XXXX XXXX XXXX GA XXXX for the amount of {$1400.00}. 
I wrote to them to verify this account back in XXXX and have not received anything. This account is not validated, and needs to be removed. As of XX/XX/XXXX any civil judgement not validated or proven has to be removed. I am asking that this eviction be removed from all 3 bureaus, and proof of validation. If this can not be furnished then deletion is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: MS

Complaint narrative:
This company has two accounts listed on my credit report for loans that I did not take out. I have asked this company to provide me with all of the documentation that shows how this account was opened. The company has refused to provide me with this information. I have informed them that another account was opened in my name during the same time and that situation was quickly resolved. I was actually unemployed when these accounts were opened. The problem here is that I have never received any correspondence from this company about these two loans at any time. I have not received anything that stated they were trying to collect a debt owed. I found out about these accounts because they appeared on my credit report two years ago as being delinquent.

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