vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal account was frozen and funds were placed on hold for 180 days. When I contacted PayPal they told me that they did not have to give me a reason for limiting my account. Ive submitted a dispute but have gotten nowhere. Its unacceptable for them to not give me reason why they are holding my money in my account. Please advise. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018, I discovered a negative account XXXX XXXX XXXX XXXX XXXX XXXX for {$78.00} had been re inserted into my credit file. Company is required to notify me within 5 days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

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 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion reporting the following incorrect information : New Employment Alert Type : New Employment Processed Date : XX/XX/XXXX Employer 's Name : XXXX XXXX XXXX   Although I work for XXXX XXXX XXXX ( notice incorrect/misspelled employer name ), since XX/XX/XXXX I have been and continue to be a XXXX XXXX of XXXX XXXX XXXX, XXXX. I work for two entities.

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 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I've tried to get it resolved, I never even open up a XXXX account in XX/XX/2010. So, when I reached out to the collection agency for validation, they sent me bills and said this is the verification. I told them that it is incorrect that, I never had a phone account just only prepaid with XXXX XXXX at the time. I was asking for validation to see a verifiable, validation of proof as in Consumer Contract with a wet-ink Signature on it, of the account listed above, Ive also explain to them how it goes against fcra. This wouldn't be the first time that, my identity was stolen.

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 2018-08-17 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: OH

Complaint narrative:
i have filed a identity theft report due to multiple credit inquires on my credit report. Somebody has been trying to get credit under my name. I already have multiple cards under my name from years that i have been using. most of my cards are paid off with no balance so i dont see any reason for me to apply for more credit cards. I just received a copy of my report from XXXX and XXXX after i filed a complaint against XXXX for reporting wrongful information on my report and i noticed all these inquires. not authorized inquires in last 3 months are XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX, 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 2018-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC.
State: MS

Complaint narrative:
I am making monthly payments to ECMC. They continue to call my place of employment and send emails threatening garnishment. The email that I received today ( XX/XX/XXXX ) was from XXXX XXXX-XXXX stating that my wages were about to be garnished. How can my wages be garnished if I making monthly payments? The threatening calls and emails are pure harassment if I am paying them. How are these actions admissible?

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 2018-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Transcontinental Credit & Collection Corp
State: CT

Complaint narrative:
On XX/XX/2017 I have received two notices from Trans-Continental Credit & Collection Corp. regarding a XXXX Hospital 's bill which totally disagree with because XXXX who represents the Registration Department of the XXXX XXXX XXXX XXXX   took care of the medical bill through the financial assistance that is one of the program of the XXXX Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
As stated in my previous complaints about FAY SERVICING, we have had a nightmare loan modification process with them. Please reference CFPB claim number XXXX for the backstory. 

When we did finally receive a loan modification from Fay, we were informed that the modification would be final after completion of the initial trial period, and after that we would received the documents. XXXX XXXX explained the terms to us, but nothing was emailed, they refuse to put anything in writing, and will only explain things over the phone. When we received the documents, we did sign them, making the unfortunate assumption that they contained the same information that was explained on the phone. It does, but buried in the document is also a balloon payment which will be due when the loan is to be paid off. I do not see how this can be legal! They agreed to assist a struggling borrower, to reduce the interest rate, and now are demanding a balloon of over 400k, at the end of a 30 year term, when the house ( original loan amount XXXX ) should be paid off at that point. This is extremely unethical. 

I've attached copies of the documents we received ( the first document that details the terms was never sent to us, I had to request it from my account manger and have only seen it in XX/XX/XXXX ) documents are encrypted, password is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: MOHELA
State: WA

Complaint narrative:
I signed a loan agreement with XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. They were going to get my loan paid off through XXXX within a number of days, definitely by the end of XX/XX/XXXX reportedly and then I would start owing money to Mohela, their loan financer. However, I got a notification that money was still being deducted for my XXXX loan in XX/XX/XXXX and when I checked my account, the loan had not been paid off. I contacted Mohela and XXXX and they said that it looks like the loan had not been paid off and they were going to look in to it and get back to me. When I had not heard back for several weeks, I contacted them again at the end of XX/XX/XXXX and they said they were going to put my loan through Mohela into administrative forbearance. I then got a notification on XX/XX/XXXX that said the forbearance had started and ended on XX/XX/XXXX and that I was still accruing interest through Mohela ( as well as through XXXX ). 

I have reported this to the company XXXX again today and they said they are still trying to figure out what is going on the loan repayment through XXXX. This has been going on for almost two months at this point, I am concerned I am being scammed and that I have now signed paperwork for a loan that does not exist, but that I am being charged interest on. The company has been very poorly communicative, and I have had to follow up multiple times to get answers, which no one has been able to provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: IL

Complaint narrative:
I made a deposit to Skrill of {$550.00} from my personal XXXX XXXX XXXX account. The transaction took place within 5 days without any id verification. 

When I requested a withdrawal of my funds to the same account. I was asked to verify my date of birth. In order for Still to verify date of birth they requested to send them ID card. After I sent ID, they asked me to send a picture with government-issued document. I made a picture of myself holding a passport. 

Then I was asked to send a bank statement and my account was locked. I called them several times, and was told that mm account was under investigation. 

This is clearly a scam and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Specialized Loan Servicing ( SLS ), XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are confirming based on their unauthorized mortgage position and assignments that I surrendered and included my property in Bankruptcy. 

In detail : 1. SLS stated I included my property in my Chapter XXXX 2. XXXX stated I surrendered my property in my Chapter XXXX. 

All statements from all companies are false. I NEVER surrendered my property. In addition, my Chapter XXXX 's were dismissed. 

See attachments

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 2018-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX/XXXX Inquiry from XX/XX/2017 Unauthorized inquiry, and they will not removed ... XXXX, credior said they should remove it, if I didn't authorize ... 


Transunion XXXX Inquiry from XX/XX/2017 XX/XX/2017

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 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
Source Receivables has reported a fraudulent credit transaction in my name to XXXX and XXXX. They claim I have an unpaid balance of {$1200.00} to XXXX. I disputed this report to Source Receivables in XX/XX/XXXX. I have never had any account with XXXX. This account must have been generated by identify thief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/2018, I wired {$4900.00} from my XXXX  XXXX XXXX account to Citibank, using the following instructions, in an attempt to fund my trading account : Receiving Bank Information : CITIBANK, N.A XXXX XXXX XXXX, XXXX XXXX, United States, XXXX Beneficiary : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : XXXX Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX However, unknown to me, the banking details for my broker changed on XX/XX/XXXX, the day before I sent the funds. So the money was received by Citi, but never allocated to my broker 's account. I was advised by my broker ( XXXX ) to have my bank recall the funds. 

I opened a ticket with XXXX XXXX XXXX to recall the funds from Citi. However, after numerous failed attempts to initiate the recall, due to no response from Citi, XXXX XXXXXXXX XXXX has closed the support ticket, advising me to file a police report against Citi and have law enforcement call their Global Financial Crimes Hotline. To date, I have not filed a police report and am hoping to instead resolve this matter through the CFPB Complaint resolution process.

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 2018-08-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have inquiry on my credit report that I didn't do I need them removed time is of the essence

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 2018-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I received a letter to reduced my payments and whatnot. They are charging {$800.00} for a fee to file paper work for me, it is now seeming suspicious the longer I think about it. I am very concerned about my private information now. The company made me sign something saying no one had advised me not to make payments on my loan. AFTERWARDS, customer service began advising me not to make payments and disregard anything from my payment provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase notified me that someone had changed the personal information on my Chase Freedom credit card. I filed a police report and placed a 7 year fraud alert on all of my accounts and told Chase to close my account in XX/XX/2017. I have also called Chase 3 times to tell them to close the account. The account still appears as " open '' on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: MI

Complaint narrative:
I have inquiry on my credit report that I didn't do I need them removed time is of the essence

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.

Complaint narrative:
COMPANIES Procollect XXXX XXXX - XXXX Ive attempted to settle this account for a length of time that has now become problematic. This matter is now over a year old and remains unresolved through no fault of my own. ( You can see this by the documentation that has been attached ). 

At this time, as well as all other times, I simply want to take care of this issue and move on with my life. XXXX XXXX and Pro Collect have violated my rights under the Fair Debt Collections Practices Act and reported an INACCURATE Debt to mine and my sons credit reports In the attached documents you can clearly see I made payments to XXXX XXXX .. BEFORE this account was turned over to a collection agency. ( ProCollect ) Speaking of PROCOLLECT, once received by ProCollect this matter was reported to the credit bureau BEFORE the validation was received. In the validation they only provided a lease. In speaking with XXXX XXXX Property Management they have not sent anything to Procollect Now that this is with PROCOLLECT, I am STILL having a problem. As you can see in the attached I have attempted to settle this matter with no success. I continue to contact ProCollect. Each time I am advised that I can only speak with Mr. XXXX AND that it has to be done via email. Well as you can see that is not going to well. 

At this time my desire is to clear this matter and correct our credit reports. Considering that so much time has lapsed already, Please see the attached documents

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 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
This account was opened fraudulently as a result of identity theft i have asked that the 2 accounts at fifth third be closed and any information associated with these account be removed from my credit files. The company Insists I made these charges because someone made a cash advance at a bank using my ID an SS number which was stolen from the wallet I lost months prior and was used to open the accounts with fifth third in the first place which they don't seem to understand. I have filed an identity theft report with the federal trade commission and including an advidaft of Identity theft with this complaint. I have also submitted this document to the major credit bureaus and reported the identity theft aswell i did not open these accounts and will not stop till my good name is cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: TN

Complaint narrative:
I spoke with XXXX on the XX/XX/XXXX and she put me on hold for 15 minutes stating she couldnt find anyone to help me but she gave me the number to XXXX who handles their bankruptcies. I told her that XXXX didnt report to the credit bureaus, JH Portfolio does. So she suggested I call back later to see if I could get someone to help me. 

I called again on XX/XX/XXXX and spoke to XXXX again. She put me on hold and came back to say that her supervisor says its supposed to report as an open collections account and it will stay that way until its discharged. I asked to speak to her supervisor, XXXX, who said they send the same code to each credit bureau and theyre supposed to be reporting the same way. She stated that it will stay in open collections due to my agreement with the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: PA

Complaint narrative:
A relative recommended that I contact Global Client Solutions to settle two credit card accounts totaling XXXX. I am XXXX years and don't speak or understand English. When I called Global Client Solutions ( on XX/XX/XXXX ), someone set up a payment plan for the two credit card accounts. I thought that they would be paid off within 4 years. They told me to pay {$280.00} each month, and a bank debit process was done. I was mailed an Account Agreement and Application form, which was in English. There were instructions to sign where the arrow was on each document. I made payments from XX/XX/XXXX through XX/XX/XXXX. I paid {$2200.00} during that time. On XX/XX/XXXX Global Client Solutions mailed me an Account Activity Statement. Looking over that statement, I came to realize that my account balance is only {$450.00}, with no money being paid to the two credicat card accounts. The rest of my deposits went to " customer and transaction fees ''. I believe that I was taken advantage of because of my language and age. I would not have agreed to this if I understood that I'd be paying over {$200.00} in monthly fees with nothing being done to settle my debts. My only income is from Social Security, and I live in subsidized housing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have been a long-time cardholder with American Express, and received numerous mailings and emails with offers to become a platinum member, along with an associated XXXX bonus points if I spent a certain amount within 3 months, I believe. Last XXXX ( I forget the specific date ), I decided to take them up on their offer. Upgrading also meant that I paid a significantly higher annual fee. 

I logged into my American Express account, and upgraded my card through the website rather than mailing in the application or clicking on the link in the email ( as I tend not to click on email links from financial institutions on the off chance it's an illegitimate link ). I assumed that American Express was sophisticated enough to link my account with the offers I had received, but I noticed a few months ago that the rewards points had not been applied even though I had spent the required amount in the 3 months after activation. 

I called American Express and complained that I had not received my bonus points. They told me that there was no offer attached to my upgrade, despite the mailings and emails I received indicating that I was eligible for the XXXX bonus points if I upgraded. They opened a case to look into it, and I heard on XX/XX/XXXX18 that they were declining to give me the bonus points. Therefore, I paid a significantly higher annual fee, and did not receive the accompanying bonus points that were promised to me via the mailings and emails.

Company response to consumer: Closed with explanation