vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My complaint is against PayPal for failure to release funds when promised, and for punishing me for failing to fall for their attempted extortion of an additional, excessive fee in order to expedite the process,. 

On XX/XX/XXXX, I sold two items that I owned ( legally ), on XXXX totaling {$2500.00}. At that point, PayPal advised that there was a hold on the funds for 3 weeks. This apparently originated from XXXX, since it was a big sale and a new account. After the three weeks, the money was released into my PayPal account. PayPal took a fee of {$72.00} for the use of their service. 

I then tried to transfer the remaining {$2400.00} to my bank account. At this point I was offered expedited service for an additional fee of {$24.00} ( 1 % ). Upon declining the expedited service, I was informed that this activity was suspicious and that my funds would not be available for another 8 days. 

This is clearly retribution for declining to pay the additional fee. If they had suspected anything suspicious, they already had 3 full weeks to investigate. Additionally, there was no warning that the activity was deemed suspicious prior to being given the option to pay and have my money in minutes or not pay. 

I have repeated attempted to contact customer service, but they send a cookie cutter response and refuse to address the actual issue. 

It should not take 28 days to receive my money from a valid sale, and they should not be able to punish me for not paying and additional and in my opinion, excessive fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Mortgage was transferred from XXXX XXXX  to XXXX/LoanCare recently. I paid my monthly payment on their phone system and it charged me approximately {$800.00} over the amount that I had been paying to XXXX. I called to find out what happened and they said it was to put more money in Escrow. I have never received any document that explained the increase and why it needed to be paid all at once. I have the bill for the month and it has the old amount on the bill. After I got them on the phone, the agent was unable to determine why the system billed me the higher amount and was not able to offer any resolutions.

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 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
disputed debt time after time company will not validate the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/2019 there was a hard pull on my credit report by XXXX XXXX XXXX. i authorized ONLY a soft pull and was told by the representative that only a soft pull would be conducted and that it would NOT impact my credit score. 

please remove. 

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 2019-10-16 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: IN

Complaint narrative:
In XX/XX/XXXX, husband and wife applied for a joint mortgage with XXXX. In XX/XX/XXXX, according to divorce decree, wife was awarded home and a quit claim deed was filed to transfer ownership solely to ex-wife. Per the decree, ex-wife refinanced loan in her name only. Loan was modified from joint to individual. In XX/XX/XXXX, XXXX took over loan and reversed loan from individual to joint loan again. I have been trying to resolve this issue since XX/XX/XXXX after reviewing XXXX XXXX. So far, I have contacted XXXX   and XXXX to no avail. XXXX confirmed that the quit claim was signed in XXXX. However, the mortgage is still showing on my credit report. Also, my name is spelled incorrectly with 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 2019-10-16 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: IN

Complaint narrative:
In XX/XX/XXXX, husband and wife applied for a joint mortgage with XXXX/XXXX. In XX/XX/XXXX, according to divorce decree, wife was awarded home and a quit claim deed was filed to transfer ownership solely to ex-wife. Per the decree, ex-wife refinanced loan in her name only. Loan was modified from joint to individual. In XX/XX/XXXX, XXXX took over loan and reversed loan from individual to joint loan again. I have been trying to resolve this issue since XX/XX/XXXX after reviewing XXXX XXXX. So far, I have contacted Equifax and XXXX to no avail. XXXX confirmed that the quit claim was signed in XX/XX/XXXX. However, the mortgage is still showing on my credit report. Also, my name is spelled incorrectly with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I checked my credit report last month and noticed a collection account from Caine and Weiner Company for some type of insurance policy that I am not aware of. I contacted the collection agency to notify them that this is not my account and they refused to remove the collection account from my report. This falsified collection account is currently preventing me from getting approved for a mortgage. This collection account needs to be

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: CA

Complaint narrative:
I received a certified mail letter from Equifax, XXXX, and XXXX that proves they received my dispute for XXXX XXXX XXXX. They are required by law to remove the negative account because the debt was opened fraudulently Per Section 605 B of the US Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
these transactions aren't mine I kept telling chase and they refused to work with me!!! and along with XX/XX/XXXXI no longer want their service and I dispute that transaction XXXX XXXX XXXX   XXXX XXXX Food & drinks {$34.00} See details about this transaction XX/XX/2019 XXXX # XXXX Groceries {$200.00} See details about this transaction XX/XX/2019 XX/XX/XXXX *XXXX  XXXX XXXX Food & drinks {$22.00} See details about this transaction XX/XX/2019 XXXX Food & drinks {$29.00} See details about this transaction XX/XX/2019 XXXX  - XXXX XXXX Food & drinks {$59.00} See details about this transaction XX/XX/2019 XXXX  XXXX Food & drinks {$74.00} See details about this transaction XX/XX/2019 XXXX XXXX XXXX Shopping {$490.00} See details about this transaction XX/XX/2019 XXXX XXXX Gas {$22.00} See details about this transaction XX/XX/2019 XXXX XXXX Food & drinks {$74.00} See details about this transaction XX/XX/2019 XXXX XXXX XXXX Shopping {$490.00} See details about this transaction XX/XX/2019 XXXX XXXX Gas {$47.00} See details about this transaction XX/XX/2019 XXXX XXXX XXXX Shopping {$1300.00} See details about this transaction XX/XX/2019 XXXX  *XXXX  XXXX XXXX these are the stuff that I never made please stop pointing fingers at me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I received notice from One Advantage , LLC representing XXXX XXXX XXXX XXXX hospital for collection of medical debt. This agency is practicing an extortion scheme in which if payment of the balance is not received by a given date the agency will report the medical debt to credit bureaus. This method of extortion is an abusive practice as defined by the Dodd-Frank act, as it is unfair to low income individuals/consumers who lack the means to pay the balance demanded by the given date. 

I believe these practices being used are in violation of both UDAAP and FCRA. As such, I will be consulting with a litigation firm for the express intent to solicit a stop to these abusive practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I opened One Deposit Checking on XX/XX/2019 in response to the attached offer to get {$300.00} when I open a checking account and make a direct deposit of {$500.00} or more within 60 days. 

Based on attached statement dated XX/XX/2019, you can see that the account was opened on XX/XX/2019, and, based on attached statements dated XX/XX/2019 and XX/XX/2019, you can see that direct deposit of {$250.00} was made on XX/XX/2019 and another direct deposit in the amount of {$250.00} was made on XX/XX/2019. Therefore, total direct deposit of {$500.00} was made within 60 days from the account opening. 

I called Citizens Bank on XX/XX/2019 and spoke to supervisor XXXX in Rhode Island who told me that there was supposed to be a single direct deposit of {$500.00} not total direct deposit total of {$500.00} within 60 days from the account opening to be qualified for the bonus. As you can see on attached offer, the offer does not tell specifically single direct deposit, it just mentions direct deposit and, as a result, it was my understanding that a direct deposit total of {$500.00} would make me qualified for {$300.00} bonus. 

On XX/XX/2019 I sent attached letter address to Citizens Bank CEO XXXX XXXX XXXX at the address of XXXX XXXX XXXX, XXXX, RI XXXX but I have not received response as of XX/XX/2019. 

I hope it was a mistake on Citizens Bank end to omit word single in front of words direct deposit and I hope that that my account will be credit with {$300.00} bonus. However, if Citizens Bank intentionally omitted word single on the offer, this situation may qualify under enclosed Federal Trade Commission Act paragraph Vii. Unfair and Deceptive Practices that states : An act or practice may be found to be deceptive if there is a representation, omission, or practice that misleads or is likely to mislead a consumer. Deception is not limited to situations in which a consumer has already been misled. Instead, an act or practice may be found to be deceptive if it is likely to mislead consumers. A representation may be in the form of express or implied claims or promises and may be written or oral. Omission of information may be deceptive if disclosure of the omitted information is necessary to prevent a consumer from being misled Acts or practices that have the potential to be deceptive include : omitting material limitations or conditions from an offer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
In the begging this year when I pulled credit report I found out that my husband had use all my identity ( ssn, tax return ... ) all tha information applied a personal loan last year around XXXX for XXXX under mecurrently going through divorce process ) i had call discover so  many time and they told me is civil matter, i had called police also but they werent being helpful, my husband was tha one set up all tha account and stuff since he manage all the bills at home, and everything was done by him, jsut recently he start sent email to me, I just dun understand how can they approve the loan that easy without my  signature and stuff, now my credit score is damage cuz is not being paid, i was hoping they can help me investigate but they didnt, they kept switch me from line to line and told me nothing they can do! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/2019 XXXX XXXX did a hard pull on my credit report causing a negative effect. i do not know this company nor did i authorize this credit report pull. please remove it. 


on XX/XX/2019 XXXX XXXX XXXX  did a hard pull on my credit report causing a negative effect. it was discussed and made clear that ONLY a soft pull would occur, not a hard pull. and, that a soft pull would in no way impact my credit score. please remove.

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 2019-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have worked for 15 years in XXXX XXXX XXXX  in both XXXX and CT. I have applied to have the loan forgiven on numerous occasions as I have also worked for XXXX XXXX XXXX   XXXX which would qualify me for immediate forgiveness of the loans. 
I was forgiven {$2500.00} more than 3 years ago and was told I needed to wait several more years to apply again for forgiveness. I currently owe a total of {$25000.00} between my XXXX and XXXX studies. I continue to work for a XXXX  XXXX XXXX  XXXX  and applied a few months ago again. I have not heard back from the loan company at all again at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This complaint is in regards to file # XXXX I was in the settlement process and during this process i have been receiving numerous harassment calls by debt collector XXXX XXXX representing Westlake Financial. XXXX XXXX needs to be fired because he keeps Threatening to arrest or legal action. 
I told westlake fiancial to stop calling my phone number and any number in record and to send me letter instead. any communication was to be process via letters postal mail or email. XXXX told me he will show up to my house with police and arrest me. he has violated my consumer rights. Gearing v. Check Brokerage Corp Cacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). FDCPA Section 809 ( b ), FTC

opinion letter Cass from LeFevre .FDCPA Section 805 ( c ) FDCPA Section 805 ( a ) ( 1 ). FDCPA Section 805 ( a ) ( 3 ). FDCPA Section 805 ( b ), 806, 807, 811 ( a ) ( 2 ). FCRA Section 623. each Fine minimum {$1000.00} per violation as per FDCPA Laws.

the account was removed from my credit report but the title was place on hold. at this point i demand the title loan and phone calls to stop. westlake financial was informed to follow my consumer rights per FDCPA Laws in the state of california. each violation I would also like to request, in writing, that no telephone contact be made by your offices to my home, third party and/or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I recently participated in the loss mitigation process with my loan servicer after completing the trial mod payment process. However a copy of the permanent loan modification was never sent to me in the mail and also a copy was never sent to by email. I contacted my mortgage servicer about the discrepancy in a qualified written request which was received by my lien servicer on XX/XX/2019. My mortgage servicer has not answered my request as required by law or provided me a copy of the permanent loan modification as promised by email and or by phone when I spoke to the mortgage servicer about the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: CA

Complaint narrative:
I received a certified mail letter from XXXX, Transunion, and XXXX that proves they received my dispute for XXXX   XXXX XXXX. They are required by law to remove the negative account because the debt was opened fraudulently Per Section 605 B of the US Code.

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 2019-10-16 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: CA

Complaint narrative:
I received a certified mail letter from XXXX, XXXX, and Experian that proves they received my dispute for XXXX  XXXX  XXXX. They are required by law to remove the negative account because the debt was opened fraudulently Per Section 605 B of the US Code.

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 2019-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I have been paying this loan for over 10 years and the loan amount should have be decreased by a substantial amount yet is not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
I have sent XXXX, XXXX, Equifax everything that they ask me to send them to show that I was a victim of identity theft I have ask them to validate this account XXXX, Account : XXXX and Previous Addresses : XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC
State: NC

Complaint narrative:
I do not understand. I was forced to go to the hospital against my will and was billed for being brought to the emergency room. From there I get a call from the hospital saying I was going to be sent to collections if I did not pay. I gave the lady my insurance information and she said " thank you very much! We will take care of it from here '' Few months later and here we are and I am being sent to collections and it was already settled. Never reached out to me again. If it wasn't for XXXX XXXX I would not even know I was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: CT

Complaint narrative:
In reference to my Experian Credit Report # XXXX which is in response to my dispute to four accounts of XXXX XXXX, XXXX XXXX, XXXX/ XXXX , and XXXX that reflect INCORRECT payment history ( I had automatic payments ) and one Collection Account of XXXX XXXX XXXX   that is ERRONEOUS as no monies are due are still reflected on this Credit Report. As such, my financial integrity has been tarnished and I have been DENIED CREDIT due to these NEGLIGENT ERRORS!!

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 2019-10-16 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: NV

Complaint narrative:
There a few accounts that need to be deleted from my report that aren't mine.

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