vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Today, XXXX XXXX I made a transfer to a friend in the XXXX. I selected using my BANK account linked into PayPal.
Upon entering the information, my screen cleared and I got a blue bar with " Send Money Now '' to send the money to my friend.
NOTHING told me that they switched from my BANK, which is clearly marked as my 'Preferred Funding ' [ and verified by the customer service persons ] over to my backup credit card. By doing so they raised their fee from XXXX to XXXX ... plus an additional 3 % onto my CC as a 'foreign transaction '.
Going round and round with the PayPal reps, all of whom simply said that " that 's how the systems is set up '' and while they can not tell me why it happened, there is also " NOTHING THEY CAN DO '' to correct the 'error ' on my situation.
If this is so, then they are also ripping off other users with switching to a more expensive funding source, seemingly at whim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: AL

Complaint narrative:
I called all three credit bureaus, XXXX, XXXX, and TransUnion to inform them of the unauthorized credit inquiries, after several attempts they would not remove them.
Unathorized Inquiries and Dates of Inquiries 1. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 2. ) XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX 3. ) XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX 4. ) XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX  5. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 6. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 7. ) XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX 8. ) XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, SD 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 2017-07-26 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: AL

Complaint narrative:
I called all three credit bureaus, Experian, XXXX, and XXXX to inform them of the unauthorized credit inquiries, after several attempts they would not remove them.
Unathorized Inquiries and Dates of Inquiries 1. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 2. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX 3. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX 4. ) XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX  5. ) XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 6. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 7. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX 8. ) XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 2017-07-26 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: MS

Complaint narrative:
I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The three XXXX XXXX  Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment information history for the accounts opened on XX/XX/XXXX and XX/XX/XXXX is incorrect. To start, both of these accounts were paid in full in XX/XX/XXXX which is reflected on the payment history for the XX/XX/XXXXaccount by being labeled as current, however for the XX/XX/XXXX account there is missing payment history. In addition, The XX/XX/XXXX account payment information for XX/XX/XXXX is reported as current, but for the XX/XX/XXXX account is reported as 90-119 days  late. This is frustrating because both  accounts had combined payments through XXXX XXXX. Also, how can the months of XXXX be 90 days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XX/XX/XXXX. I had first disputed with all three credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the 2 accounts I am requesting help with listed above. 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 2017-07-26 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: MS

Complaint narrative:
I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The three XXXX XXXX  Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment information history for the accounts opened on XX/XX/XXXX and XX/XX/XXXX is incorrect. To start, both of these accounts were paid in full in XX/XX/XXXX which is reflected on the payment history for the XX/XX/XXXX account by being labeled as current, however for the XX/XX/XXXX account there is missing payment history. In addition, The XX/XX/XXXX account payment information for XX/XX/XXXX is reported as current, but for the XX/XX/XXXX account is reported as 90-119 days late. This is frustrating because both  accounts had combined payments through XXXX XXXX. Also, how can the months of XXXX be 90 days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XX/XX/XXXX. I had first disputed with all three credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the 2 accounts I am requesting help with listed above. 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 2017-07-26 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: MS

Complaint narrative:
I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The three XXXX XXXX Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment information history for the accounts opened on XX/XX/XXXX and XX/XX/XXXX is incorrect. To start, both of these accounts were paid in full in XX/XX/XXXXwhich is reflected on the payment history for the XX/XX/XXXX account by being labeled as current, however for the XX/XX/XXXX account there is missing payment history. In addition, The XX/XX/XXXX account payment information for XX/XX/XXXX is reported as current, but for the XX/XX/XXXX account is reported as 90-119 days late. This is frustrating because both accounts had combined payments through XXXX XXXX. Also, how can the months of XX/XX/XXXX be 90 days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XX/XX/XXXX. I had first disputed with all three credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the 2 accounts I am requesting help with listed above. Thank you!.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
It was XXXX XXXX n he scammed me on PayPal he told me to pay fam n friends so he did n't have to pay fee n I did n he was selling a XXXX n he scammed me XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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:
I do not have a contract with XXXX XXXX/XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt.

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 2017-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: MT

Complaint narrative:
On XX/XX/17 we purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. We were told it would be very hard to get approved for this loan so I was a cosigner. They kept trying to get us to buy a different ( more expensive ) vehicle. Finally they were able to find someone to finance the car. Santander Consumer USA was apparently the only place that would finance us, and at an 18 PERCENT INTEREST RATE. Yes for an auto loan. Neither of us had bad credit scores at all. The payment for this car is about XXXX a month for a {$26000.00} loan, half of the payment goes towards interest. We consulted with a few people and we were told that there 's absolutely no reason for that high of an interest rate or payment. We also wo n't be able to refinance until we pay down to {$21000.00} and currently the payoff amount is {$29000.00} due to fees, interest, and finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hosto & Buchan, PLLC
State: TN

Complaint narrative:
WENT TO COURT AND IT WAS RESCHEDUL AND I WERE NEVER CALLED BACK TO COURT, THE NEXT THING I GOT PAPERS WHERE THE JUDGE HAD RULE ON THEIR PART AND I WERE ORDER TO PAY. AND IT WERE ON MY CREDIT REPORT. COURT WERE RESET FOR XXXX-2008

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received correspondence from Diversified Consultants, Inc. ( DCI ) that I had debt in the amount {$990.00} for failing to pay XXXX. On XX/XX/XXXX I called DCI to figure out what this was about and they redirected me to XXXX. I called XXXX that same day and I was told I owed them {$990.00}. I informed them I have n't had XXXX since XX/XX/XXXX when I moved from XXXX XXXX XXXX, XXXX XXXX, NJ. My account was paid in full and disconnected when I moved. I moved in with family to XXXX XXXX XXXX and have not had services in the past two years. I was transferred to a different department who asked me if the debt could be for failure to return equipment. I told them, No because I returned it myself. They are advised me to write a dispute letter which I did ( all in the same day ) to DCI. DCI responded a couple of weeks ago with a simple letter that the debt was proven to be mine. The letter was absent of any information as to how they came up with their findings. If XXXX does n't know where the debt came from how do they?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westhill Financial
State: MI

Complaint narrative:
At XX/XX/XXXX I received a phone call from XXXX XXXX ' from Westhill Exchange LLC in Colorado . He stated that I owed XXXX XXXX XXXX a debt from XX/XX/XXXX and that if I did n't pay he would be taking me to court and I could go to jail. He verified my old address and some other personal information but stated that he could n't send me a bill in the mail to verify this account. I told them that I do n't have that kind of money laying around and I need to have something sent to me. With having a family and with me only working, I paid them the almost {$500.00}. He was supposed to send me an email of confirmation for payment, which I never received. Nor did I ever receive anything in the mail. After returning home, I spoke with my wife about it and she started investigating. Called the bank and submitted a fraud claim against them. The bank has then determined that the claim is in my favor and it was defiantly a fraud. I am now being harassed by XXXX XXXX from Westhill Exchange LLC again via email and phone calls. He states I need to contact him ASAP before a court case is submitted to jail. Please help me with this, I am being harass by XXXX. He ca n't verify this past debt and wo n't stop threatening me with court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services
State: ID

Complaint narrative:
I have enrolled in XXXX XXXX XXXX as an alternative to filing for bankruptcy. I have notified Lendmark Financial that I am enrolled in the program and to contact XXXX XXXX XXXX as they are handling this financial case. I have asked them on 3 separate occasions to NOT call me at work. I asked them on XXXX XXXX, 2017 at XXXX XXXX to not call, again on XXXX XXXX at XXXX XXXX, and again on XXXX XXXX, 2017 at XXXX XXXX to not contact me at work. I am in jeopardy of losing my job. I 've asked them REPEATEDLY to contact XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I had a credit card that i used frequently and paid every month but they mailed the bill to the wrong address for a couple months and then they attempted to double what i actually owed. I attempted to negotiate with them on how much I owed but they would n't listen and sold my debt to a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
My girlfriend, XXXX XXXX, went to XXXX XXXX XXXX for a XXXX XXXX and XXXX XXXX XXXX. My girlfriend is only XXXX years old, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. The Doctor 's office used aggressive sales tactics to pressure her into a XXXX that she did not need. The XXXX went horribly wrong. My girlfriend had XXXX from the XXXX, and had to go back to the hospital for further care. She also became XXXX and was checked into a XXXX XXXX in Texas because she XXXX XXXX XXXX XXXX XXXX. I am making this complaint because I do not feel that the services rendered by the doctor 's office were done correctly. My girlfriend and I paid for the XXXX through a joint care credit account. Furthermore, we were charged the wrong interest rate and wrong loan terms with care credit. When I called care credit, they said I needed to call the doctor 's office. When I call the doctor 's office, they tell me I have to call care credit. XXXX XXXX XXXX. phone : XXXX XXXX XXXX XXXX, phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN 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 2017-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My daughter, filed bankruptcy last XX/XX/XXXX to stop the foreclosure on our home. Due to my illness I was not well enough to file. Once she filed the mortgage company has worked out a curved with the trustee. To sell our home.. and when I called, to try to work out something with the mortgage company I was giving all this wrong information and no help. Surely my daughter is only on the deed of the property. I 'm on the note, and deed of property. We 're force to be homeless due to an aggressive trustee, wanting to make money for himself, and a mortgage company with no morals. Trustee going to court to ask for my part of property to sell our home.which the mortgage company could have work out something with me to be able to sell my own home.. not be force by trustee and his realtor .. so they can make money .. and my family and I will become homeless. My granddaughter who is XXXX years of age has been approach by strangers coming and lurking on our property asking her all kinds of questions about the house being for sale.. I hope that Shellpoint Mortgage Servicing will not get a chance to do this to another family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with XXXX, XXXX, and Experian. The Bankruptcy identification number is : XXXX XXXX Bankruptcy Court XXXX, Georgia 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 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wachovia Bank, which I 've never held an account at called me telling me that I owed them money and fees for a negative balance. They were rude, cursing, and threatening me with a subpoena to appear in court. Somehow, they contacted my step mother, step sister, grandmother, and myself regarding this false information. The phone number they called from is XXXX, but they left a return phone call number on a voicemail of XXXX. This is harassment and it needs to stop.

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 2017-07-26 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This will reference complaint XXXX AMERICAN EXPRESS AND TRAVEL RELATED SERVICES as stated in the previous above captioned complaint AMERICAN EXPRESS continues to fail in examining the facts surrounding my request for credit and removing this from my credit. I was given XXXX XXXX XXXX ( XXXX ) times by XXXX XXXX XXXX, XXXX TX. for the wrong diagnosis. The doctor is no longer with the firm. AMERICAN EXPRESS does not take my dispute/complaint seriously and just regurgitates the correspondence received from XXXX XXXX XXXX. A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to determine the actual cause of the problem. The doctor remarked that there would never be any improvement in the XXXX as a result of the XXXX XXXX done by XXXX XXXX XXXX as they XXXX XXXX XXXX XXXX. It is my opinion that after all my research and work that AMERICAN EXPRESS 's only concern is keeping a satisfied merchant. Further it is obvious that AMERICAN EXPRESS is ignoring the center of the issue and basing there explanation ( s ) on the fact that the charges are valid because the services were rendered. My dispute ( s ) are valid and AMERICAN EXPRESS needs to realize the validity of my claim ( s ) as the are not frivolous and have merit. Their merchant made a  mistake and should not be compensated or rewarded for malpractice. I have tried to reason with AMERICAN EXPRESS but to further prove their lack of concern, each time I call to dispute they refer my calls to collections. AMERICAN EXPRESS is now on their second collection firm, the first being XXXX XXXX and have now given it to another firm ( since XXXX  could not get anywhere ) to whom I have written and explained the situation and have asked them to cease and desist from calling me. Clearly AMERICAN EXPRESS is now harassing me. AMERICAN EXPRESS needs to do what is morally correct and charge back the merchant and remove this from my credit.

Company response to consumer: Closed with explanation