vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I sent XXXX dollars through PayPal to the WRONG email address. It was a send money to friend transaction and as soon as I realized it was a mistaken email address, ( 5 minutes or so ) I tried to cancel the transaction and it didnt have the option. I called PayPal and they said to file a dispute and contact the person it was sent to. Ive sent her a couple emails asking her to cancel it or refund it to me and I havent heard back. Shes a  complete stranger and I dont know how else to get ahold of her other than email. I need the money to be sent back to me from her as it is not meant for her. PayPal isnt helping at all and I dont know what to do after filing a dispute with ic3.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13 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:
Hello I wanted to let you know about a couple of things on my credit that are not mine. I was trying to help my mom get a car and they told me that we was not approved. I have contacted the FTC and the police. Im doing this on my own behalf. Please remove these things from my credit Chapter XXXX Bankruptcy, XXXX and 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 2019-06-13 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: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX Equifax / XXXX I'm filing complaint due to the fact that None of you are doing your XXXX Jobs correctly XXXX XXXX XXXX Account acc XXXX each one of you are in full Violation of the FCRA This account has been and charged off But each one of you are reporting a past due of {$5400.00} how is this possible??? This account has to be deleted on charged off account their should be no past due amounts delete this account and send me a updated credit reporting once this item has been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello I wanted to let you know about a couple of things on my credit that are not mine. I was trying to help my mom get a car and they told me that we was not approved. I have contacted the FTC and the police. Im doing this on my own behalf. Please remove these things from my credit Chapter XXXX Bankruptcy, USDOE/XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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:
Hello I wanted to let you know about a couple of things on my credit that are not mine. I was trying to help my mom get a car and they told me that we was not approved. I have contacted the FTC and the police. Im doing this on my own behalf. Please remove these things from my credit Chapter XXXX Bankruptcy, USDOE/XXXX and 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 2019-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: OH

Complaint narrative:
This company marked my other complaint as duplicate. This is not a duplicate Im requesting validation debt. I have contacted tempo and they cant verify or validate debt. Attached is the response from Tempoe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: GA

Complaint narrative:
Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I agreed to purchase an item with a seller on XXXX. He asked me to use XXXX as payment. The seller requested {$160.00}. Afterwards, the seller block my phone number and any contact attempts. I disputed this with XXXX and they instructed me to go to my bank, BBVA. I filed a dispute with BBVA. They denied the claim and said it needed to be disputed with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase is charging me {$790.00} for a transaction that should not have had an extra charge. I had emergency XXXX while traveling in XXXX. The hospital required a temporary deposit of {$10000.00} euros ( on XX/XX/2019 ) which was returned when the insurance company verified payment ( on XX/XX/2019 ). My Chase credit card does not have foreign transaction fees - the amount debited in dollars should have been {$11000.00} because the euro to dollar exchange rate was XXXX on XXXX XXXX. Instead, they debited {$12000.00}. When the {$10000.00} euros was returned, they credited {$11000.00}, which was correct because the exchange rate was XXXX on XX/XX/XXXX. As a result, I am disputing the extra charge of {$790.00}. I have contacted them by phone twice, by secure message with documentation, and by mail with documentation, and every time they give me a different reason for the fee and deny my request for the charge to be removed. I contacted the hospital, and they said they charged XXXX euros and returned XXXX euros so they did not get the extra money. Chase first said it was a difference in exchange rate so I showed them it wasn't. Then they said we used a PIN for a cash advance - I don't even have a PIN for the card, plus it was a purchase of hospital services, not a cash advance. They have not responded to my last letter ( XX/XX/2019 ) disputing their reasons - it has been a month with no response. I started my protests in XXXX, as soon as I got my statement and saw the mistake. I have attached their last denial letter, my response to the letter, and my Chase statement showing the debit and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My Va Loan is being serviced by Freedom Mortgage Corp as of XX/XX/XXXX. 
I have never been late or not paid my mortgage. There was an issue with porting over my over XXXX exemption and an issue with taxes being corrected from previous owner. 
I did not receive anything advising me of the increase of payment by {$250.00} for XX/XX/XXXX and that payment was short by that amount only due to lack of knowledge that there had been an increase in my payment related to taxes. No one called to advise me of this and I received no correspondence to advise me of a change of the payment until XXXX of XXXX. In XXXX I Paid my regular Mtg amount plus 2X the additional XXXX to equal XXXX. 
The only time I have not paid the accurate amount on my mortgage on time was XX/XX/XXXX when the payment was short by {$250.00}. Once I knew of the increase I paid for both XXXX and XXXX increase in XXXX. The only reason I did not pay my mortgage correctly was because I was not advised of the increase for XXXX until XXXX of XXXX. I have made every attempt to have Freedom Mortgage remove this a late mortgage payment on my credit report. As a result of this incorrect reporting I have been turned down for credit.

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 2019-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC
State: OH

Complaint narrative:
As stated previously in a feedback this lender cant validate I own the debt. They are using a third party to report a fraudulent debt I demand to see valid proof of this debt or stop reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I sent a seller {$160.00} using CashApp. They called me to ensure it wasn't a scam and they would ship my item tomorrow. At that point, the seller blocked my phone number from texting or calling. They stopped responding to emails. I immediately let CashApp know and to cancel the transaction. They did not respond very quickly and thus the money was transferred from my bank. I disputed this with CashApp and they said to contact my bank to see if they would refund my money due to scam. The bank concluded the investigation and denied my claim. They instructed me to take this up with the merchant. Seeing how the seller blocked and scammed me, I contacted CashApp. They have yet to respond or refund the money they allowed to go to a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: FL

Complaint narrative:
I've attempted to request lower monthly payment amounts without success. When I fist got the loan I only owed about 15K now I owe more than 30K. How is that acceptable? My balance owed has doubled in only 12 years from the time I finished school. 
Late fees keep adding up. My credit score keeps falling due to higher debt ratio and the cost of living is rising every year. How is someone with an XXXX XXXX supposed to live if they are getting hit late fees and high interest rates that double the date every year? 
When I first applied for this loan full disclosure of late fees and interest rates where not provided. I was also not advised to apply for fasfa or any other scholarship to help pay for my education without having to turn into loan debt. 
I'm pretty i was also cheated in the way my payments in the past where applied but the Navient website does not provide that data of course.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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 — Problem with personal statement of dispute
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
On XXXX-19 a paid Settlement was paid to Convergent Outsourcing. Convergent did update all three Credit Bureaus, nevertheless the item was not completely deleted from my Credit Report. They advised me the I would need to contact XXXX. I've contacted XXXX as of XXXX-19 and they too have forwarded me back over to Convergent for the deletion. I called Convergent again today on XXXX-19, they advised XXXX needs to give me a written letter in order for them too removed this the said item from all three Credit Bureaus.

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 2019-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery keeps calling then hanging up, as well as after i asked them to contact me by mail they never have. They have never sent a thirty day notice or advised me i could dispute the debt. They have verified my address numerous times and still have not sent me any kind of notice or validation of debt. Its been approximately 6 months of numerous hang up calls. I know they are calling because i call back and they answer with a voice recording.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a customer of Wells Fargo Bank. On XX/XX/2019 there was a debit of {$120.00} for a Legal Order Fee from Wells Fargo and there was a debit of {$59.00} for an IRS legal order. We immediately contacted IRS and because it was in error, IRS reversed the fee of {$59.00} on XX/XX/2019. However, Wells Fargo is refusing to reverse the Fee that they charged. When the order came in Wells took out the major portion leaving the IRS only with {$59.00} and in fact deprived the Government of funds ( In this matter, since it was an IRS error, it was OK ). I have hardly enough funds to pay for my expenses and I am in foreclosure, the bank fee is unconscionable and illegal to deprive a customer of 2 decades of their own funds even where there has been an error. As a result other payment which went out of my account got unpaid and Wells issued a fee of {$35.00} for insuf funds.

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 2019-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion XXXX / XXXX I'm filing complaint due to the fact that None of you are doing your XXXX Jobs correctly XX/XX/XXXXXXXX XXXX Account acc XXXX each one of you are in full Violation of the FCRA This account has been and charged off But each one of you are reporting a past due of {$5400.00} how is this possible??? This account has to be deleted on charged off account their should be no past due amounts delete this account and send me a updated credit reporting once this item has been deleted

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 2019-06-13 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: MN

Complaint narrative:
XXXX XXXX / Experian I'm filing complaint due to the fact that None of you are doing your XXXX Jobs correctly XXXX XXXX XXXX Account acc XXXX each one of you are in full Violation of the FCRA This account has been and charged off But each one of you are reporting a past due of {$5400.00} how is this possible??? This account has to be deleted on charged off account their should be no past due amounts delete this account and send me a updated credit reporting once this item has been deleted

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 2019-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX partial account number XXXX. ( Please see page 4 attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-06-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I received a " Notice under the fair debt collections practices act '' from a debt collector. I disputed the debt within 30 days as required. According to the " Fair Debt Collections Practices Act '', if the debt was disputed, a debt collector may not continue with collections until the debt has been verified and mailed to me. This debt collector however continued with collections before mailing the required information to me. This abusive debt collecting procedures is against the law and consumers should be protected against these malicious acts of debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
My wife and I applied for a mortgage refinance with CIT Bank and were approved, pending an appraisal. The bank hired an appraiser who, incorrectly, stated on his report that the house does not have a carport, and assessed comparable properties with a carport as worth more than the house. The house has a driveway. When we received the report, I contacted the loan officer, XXXX XXXX, and explained the problem. I also sent him a 2016 appraisal of the same house, noting that it has a driveway. Mr. XXXX told me he would ask the appraisal company to reconsider. The appraisal company stuck to its initial report. The appraisal company provided no justification for its statement that the house does not have a carport. Again, I informed Mr. XXXX that the appraisal is factually incorrect. MrXXXX XXXX informed me that CIT Bank agrees with the appraisal, and provided no explanation as to why the bank would do so. Mr. XXXX provided no explanation as to why the bank would knowingly offer us a loan based on an appraisal report it knows to be factually incorrect. We declined the loan because we did not wish to proceed based on an erroneous appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: MA

Complaint narrative:
XXXX XXXX is showing up on my Transunion Credit Report. When I try to call the phone number I found through a XXXX search, the number came back is not in service. I do not have any other information on this company. I have no idea how they got my information to pull credit. I have never done business with this company and never authorized them to run my credit for any reason.

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 2019-06-13 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: IL

Complaint narrative:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX Card partial account number XXXX. ( Please see page 4 attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
I mailed Mortgage payment On Thursday XX/XX/XXXX and Used the United States certified express mail with a signed return receipt. I still do not see my payment posted to my account. The I called PHH because XXXX switched their name and it's the same horrible service, I am sitting on hold for 30 Minutes to be told by Operator number XXXX who has no first name that PHH will be doing a trace to see who cashed my payments. Then after this wait I was told that the escalation team will return my call. I asked the young lady again for her first name and she replied it " XXXX ''. Not sure if that's accurate but look at my first payment. This is crazy. I don't see anything on my account.

Company response to consumer: Closed with explanation