vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On or before XXXX XXXX, 2019, I signed up for the XXXX   money transfer service. On XXXX XXXX, members of my family and I tested the service by sending each other {$1.00}. The service worked fine. We all received the moneys and were able to transfer them to our bank accounts. 

On XXXX XXXX, a family member sent me {$300.00} from her bank account via XXXX. My XXXX account showed the money in my XXXX account. On XXXX XXXX I tried to transfer the XXXX money to my bank account buXXXX XXXX cancelled that transaction. 

On XXXX XXXX, XXXX emailed me saying the account had been suspended " due to recent activity that appears to be a violation of our User Agreement '' and asked for a copy of a US government issued photo ID. On XXXX XXXX, I sent XXXX a scan of my state driver 's license. 

On XXXX XXXX, I received an email ( XXXX # XXXX ) from a XXXX  account specialist XXXX XXXX telling me that " the payments you received originated from unauthorized funding sources or otherwise posed risk to our system '' and " any additional inquiries will not be answered and this case is considered closed '', but nothing more that would tell me what the problem was. XXXX XXXX also said " Please note that the funds held in your balance have been flagged for investigation and will be held for up to 180 days for loss prevention purposes ... we are unable to assist you further. '' On XXXX XXXX I sent an email to XXXX XXXX asking for details. On XXXX. XXXX, XXXX XXXX said, " XXXX has determined that the payments you received originated from unauthorized funding sources or otherwise posed risk to our system ... any additional inquiries will not be answered and this case is considered closed. '' I called up customer support at XXXX, and was told that the account specialist team that XXXX XXXX is part of could not be contacted by the support people and that support could do nothing. I asked for a supervisor. I spoke to XXXX XXXX who said she would try to contact the account specialists. She sent me an email saying she had " reached out to the account specialists ''. I have heard nothing since. 

I am in the position of having my {$300.00} being frozen by XXXX for six months with no information why and no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: Credit Adjustments Inc
State: PR

Complaint narrative:
the company name is Credit Adjustments inc, I have been making adjustment plans to make payments, I have send the papers they asked me, but I have told them in many ocations not to call me during working hours and they seem to ignore that petition. I work in an environment where I have people in my office all the time and I cant be on the phone, plus eveytime they call me they have me on the phone for like 45 to an hour and I cant do that in my job I have asked them to call me efter XXXX o XXXX XXXX sometimes they do some times they DONT and Im tired I have send them every thing they asked for, but they still dont stop calling me, they are affecting me in my job and my peace of mind, stopping me from doing my job they way I have to.

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 2019-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax concerning a bankruptcy that they have placed on my credit report. They contacted me and informed me that the information was verified with a third-party company named XXXX XXXX XXXX. This XXXX XXXX XXXX sells consumers information for a profit. So they are not concerned about the accuracy of the information that they supply. 
Equifax has not properly verified the accuracy of the bankruptcy that they are reporting in US Bankruptcy Court-XXXX. Equifax did not get this information from the courts. I contacted the courts and they told me that they never gave Equifax any information concerning me. 

So unless Equifax contacted the court-get the name of the person with whom they spoke with, their proper identification number, the date and time in which they spoke with a person and what was told to them-proof that they did indeed speak to someone at the court to verify the information that they are reporting against me, then this must be deleted from my reports. 

Using a third-party company that is selling consumers information for profit is not proper verification. 

Please delete this information from my credit report if you are not able to properly verify the information through the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Account was disputed as reporting inaccurate information which has caused me to not be able to obtain credit. The CRA 's are only updating personal information and are not correcting the inaccurate reporting of the account. This account was paid in full and has been for over a year. XXXX XXXX falsely updated payment information, but failed to report the overall account status correctly. This has been ongoing and is now representing an intentional attempt at destroying my credit. By provisions of the Fair Credit Reporting Act, I am now demanding that this account be removed from my credit report since I have made several legitimate, yet failed attempts to work with the CRA 's and XXXX XXXX to correct. Please delete the accounts from my credit reports, as they are inaccurate and the company is refusing to properly report them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I am writing to notify you the reporting and compliance on this account ( s ) that is being reported on my credit report contains incorrect/inaccurate info. I am exercising my right under section 623 of the FCRA made available under FACTA 312 to have this inaccurate reporting investigated, not just send me a statement, but a true investigation of my concerns. To date, you are out of compliance and the accuracy and integrity of the information you are reporting highly inaccurate. As you already know the FCRA/FACTA 312 requires certain type of data audits and testing techniques to stay compliant and according to my records your is not since the data being reported is not 100 % accurate. As of this moment I am demanding that all collection activity, which includes reporting, to the cease immediately or you will be violating my rights per Section 623 ( a ) ( 3 ). Any update, other than REMOVAL, after this formal certified and dated notice of your inaccurate reporting/updates to my credit file will be considered deformation and fraud punishable by law under the FCRA and FCBA.

[ As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification and proof of accuracy ] To date, I have notified your company and the credit bureaus of this and plan to hold both of you liable for ignoring my notifications as this item is still showing after I have demanded immediate removal since this inaccurately false information has been brought to your attention in my dispute to the CRA which you verified!! 
Your improper procedures are highly damaging to my credit score as I am sure you are aware of and can not be handled until you stop ignoring my request for proof of fairness, 100 % accuracy, timely, and compliance according the all consumer protection laws. 

My attorney and I will be awaiting your response within 15 days. If sufficient verification and proof of a full investigation of the accuracy of this alleged debt as listed above is not provided my next letter to you will be my intent to sue if it is still listed on my report after my notice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I have tried over and over again to work it the Owner of my loan XXXX XXXX   XXXX First it was XXXX XXXX, The lender was XXXX XXXX XXXX, I had XXXX as the servicer and now Loan Care which the situation has been basically impossible meaning I have been sending documents with assistance and after sending document in XX/XX/XXXX & XX/XX/XXXX with a case referral number : XXXX when they realized they had the requested documents, they came back with another request for more documents. Now they are saying they refuse a loan modification because I did not submit the documents. What documents? The loan started out at {$790000.00}. and now I owe : XXXX. What happened to all of the payments that I have made on this loan? XXXX XXXX   sent me a letter dated XX/XX/XXXX claiming that I needed to send {$13000.00}. They accepted the payments and then on XX/XX/XXXX they returned you the payments with a letter telling me I had to pay {$17000.00}. That is not what the agent told me when I made the payments over the phone and given a confirmation number. XXXX XXXX  is constantly adding fees and charges to what I owe. 
I have submitted to the new Servicer Loan Care 10 total packages for a loan modification and the last two requests a hardship letter that they never mentioned before and a signed Borrower 's expense sheet. both submitted XX/XX/XXXX. The fees are constantly going up. Please Help Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several items reporting on my credit file that does not belong to me. These items are reporting as a result of identity theft. 

XXXX XXXX - on XXXX  for {$5600.00} XXXX XXXX - on all 3 Credit Agencies for {$520.00} XXXX - on all 3 Credit Agencies for {$0.00} XXXX XXXX XXXX - on all 3 Credit Agencies for {$75.00} XXXX XXXX - on all 3 Credit Agencies for {$110.00} XXXX - XXXX XXXX XXXX XXXX - on Transunion for {$63.00} Please remove unauthorized inquiries from my credit file : 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 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several items reporting on my credit file that does not belong to me. These items are reporting as a result of identity theft. 

XXXX XXXX - on XXXX for {$5600.00} XXXX XXXX - on all 3 Credit Agencies for {$520.00} XXXX - on all 3 Credit Agencies for {$0.00} XXXX XXXX XXXX - on all 3 Credit Agencies for {$75.00} XXXX XXXX - on all 3 Credit Agencies for {$110.00} XXXX - XXXX XXXX XXXX XXXX - on XXXX  for {$63.00} Please remove unauthorized inquiries from my credit file : 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 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 non-monetary relief
Consumer complaint received 2019-03-11 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: MO

Complaint narrative:
In XXXX of XXXX equifax had a data breach and my info was one of the compromised ones. On there website it said everyone was notified about it and what to do, I was not! It wasn't until XX/XX/XXXX that I knew anything about it by coming across the breach on their website and using the checker they had on there. A whole 2 yrs later this is unacceptable no telling what has been done with my info! I want retribution and compensation from equifax for dropping the ball and just letting my information be out there and not notifying about it. No wonder I cant access my credit report from them online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: AZ

Complaint narrative:
The HELOC is a secured loan on a property that was foreclosed. The foreclosure date is XX/XX/2012. I stress that the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately.

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 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One account number XXXX is claiming that I have a balance with them for {$11000.00}. Yet they can show no validation that is competent evidence bearing my signature that shows I have a contractual obligation to pay them. 

Under the Fair Debt Collection Practice, they must show validation that bears my signature but they have failed to do so. Yet the continually report false and misleading information against my name. 

And by doing so they are violating the FRCA & CFCPA because they can not validate the debt and therefore should delete the information from XXXX, XXXX and XXXX. 

Capital One is in violation of federal and local laws and should not be allowed to continue damage my credit without validation showing my signature that I have any contractual obligation to pay them. 

Please help me in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: RI

Complaint narrative:
This is an attempt to collect repeated overdraft charges made to my account by XXXX for an unauthorized charge. The account was charged four times at {$35.00} each time and the remaining money in the account was taken and the " balance due '' was {$110.00}. At the time, I asked the bank to reverse these charges. They refused and sent it to collections almost immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
Grant and Weber and XXXX XXXX XXXX have several accounts showing on my credit report after I had disputed it once and it was removed back in 2014. When I contacted Grant and Weber one week ago to inquire about the items listed on my credit report, he couldnt even provide the original amount that was owed because the XXXX XXXX   was charging me interest, is what he said. I explained that I had disputed this once before and it was removed, he was very rude, put me on a hold penalty, because I was over talking him. I asked him to provide the original creditor, he couldnt even provide it and he told me to contact them directly. I then said, how can I contact them directly if I do not have the information ( ofcourse by then, I was very upset ), he said I needed to write a letter to request information. I told him I was going to report him. Please ask to listen to our conversation as it was being audio taped. There are 4 different accounts listed by Grant and Weber and one from XXXX XXXX. I contacted the only hospitals I have attended and they do not have anything listed as being sent to the credit bureaus. This information would apply to all three credit bureaus. Please look into the matter and help!

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 2019-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent money to someone through XXXX for an alleged XXXX XXXX XXXX. A day later I messaged the seller to ask when it'll arrive to be blocked and scammed. I've already messaged my bank, Wells Fargo, and XXXX to be told I can't / won't be helped.

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 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I open an Checking account with fifth third bank by calling their XXXX XXXX number. It was fifth third banks bonus offer of {$200.00} on new checking account which got me in. 
According to the bonus offer on must apply for 16 digit offer code and present it while opening the account. I applied for an offer code using my email Id and without fail gave it the representative who was helping me open account, while before hanging the phone I dually make sure with her that my coupon is applied, she affirmed. 
The offer needed me to do a deposit of {$500.00} or more and keep it into account for atleast 60 days which I did. I deposited a check of about {$750.00} on XX/XX/XXXX and kept it in my account well beyond 60 days. 
Fifth third bank in their bonus offer had promised to deposit the bonus into account within 10 days of meeting the eligibility. 

I saw nothing was deposited even after a month of being eligible of bonus. So finally on XX/XX/XXXX called fifth third banks telephone helpline the representative their told me offer was never been applied and there is nothing that she could do about it. On being confronted with the fact that I have given offer code and dually made sure with your representative on the day of account opening, she just say I understand and keep repeating herself. 
I have been cheated and made fool by fifth third bank, I want responsible government agencies to take notice of fraudulent and unethical business practice employed by fifth third bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage services was transferred from XXXX to Mr Cooper, according to RESPA section 6 Mr Cooper must send Welcome Letter within 15 days eq loan number phones and address unfortunately didnt happened make the situation worst they supposedly to transfer my autopay info that I was paying for 8 years without late fee I called them today XX/XX/2019 they had nothing setup and I had to call 10 times and after getting trough I had to wait 24 minutes to talk a person that didnt know nothing about guidelines nor servicing the loan, In 4 days my payment is due and she trying to charge me late fee I being using autopay on XXXX of each day and there is 15 days grace period to pay my mortgage, It seems Mr Cooper involved in fraudulent activities by trying charge late fee and other fee and maybe causing to miss payments and charge others fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MD

Complaint narrative:
The company accepted a reduced settlement over 2 years ago, then last year sent another reduced settlement notice. They told me at that time they would cease collection. Then this year a new company sent a notice to collect the remaining balance. Therefore, the first company send this paid debt to a new agency for collection.

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 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IN YOUR RESPONSE FROM CFPB:XXXX YOU STATED THAT THESE INQUIRIES DO NOT APPEAR ON MY CREDIT REPORT. HOWEVER, I HAVE ATTACHED A COPY OF MY CURRENT CREDIT REPORT WITH THE SAME INQUIRIES REPORTING ON MY CREDIT THAT I HAVE PREVIOUSLY DISPUTED. 

THESE INQUIRIES DO NOT BELONG TO ME XXXX/XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX SOC SEC: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