vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 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: GA

Complaint narrative:
My computer was hacked and someone went into my XXXX and made 2 purchases that come out of my personal checking account and also went into my paypal and sent themselves XXXX also out of my personal checking account. Both XXXX and Paypal was linked to my personal checking account. Whomever done this also done 2 transactions off of one of my credit cards. XXXX is actually what alerted me by email that someone might have hacked my account and they shut down my account immediately. They stopped all purchases and automatically refunded transactions I have not been able to speak with them not once but they knew this was not me and shut it down immediately and refunded the transaction. I immediately called my personal bank because I have XXXX and Paypal charges and I disputed them and they automatically removed them because they also knew this was not me. Well immediately the morning of XX/XX/20 when I discovered this I automatically completed and unauthorized transaction with Paypal. They denied this due like transactions and stated this was not unauthorized. The person that completed this sent themselves XXXX out of my personal checking account why would paypal not wait until funds were authorized before sending money but I am guessing they did not. I was contacted on XX/XX/20 concerning negative balance because my bank returned payment and I have appealed this 3 times and they keep denying. I have all proof this was not me I can send whatever needed but when talking to someone on message center due to can not talk to anyone one by phone you ask them what they possibly will need to prove this and I am getting nowhere. I have money in savings in my paypal account and now that they have my account showing XXXX negative I can not even get that out. Which I am not to much worried about the savings I need to have this fixed on the charge for XXXX this transaction was in no way me and I need help to get this removed from account. I have attached a copy of the transaction with Paypal, the denials from Paypal, Proof from my bank, Proof from my credit card, email from XXXX alerting me of fraudulent activity and I am also attaching a letter that I sent to Paypal XX/XX/20.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-15 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XXXXXXXX XXXX XXXX sold a closed and charged off credit card account to a collection agency in XXXX ( Portfolio Associates ) The credit card account was opened in my name. XXXX states they no longer own this account and claim to have " no responsibility, access to files, or control over the reporting of this account whatsoever because they sold it. '' ( the account was sold for pennies on the dollar ) I personally spoke with a representative from the President 's office at XXXX XXXX  where I was given this information. But, XXXX XXXX  is continuing to report this account as one of their own active delinquent accounts to the three major credit bureaus, XXXX XXXX  is double reporting an account they do not own. XXXX XXXX  is causing me significant harm by consistently reporting an account they already reported, charged off and sold. This account is being double reported ; the original creditor ( XXXX XXXX  ) is reporting this account monthly as an active past due account as well as a charged off and collections account. The collection agency that purchased the account ( Portfolio Recovery Associates ) is also reporting this account to all three major credit bureaus as an active collections account. 

Portfolio Recovery Associates is aggressively trying to obtain a judgment against me in court for this account. When the Attorney General for the Commonwealth of Massachusetts sued Portfolio Recovery Associates in XXXX the Commonwealth won a class action lawsuit against Portfolio Associates for violating numerous consumer protection and debt collections laws. A significant part of the settlement agreement ( in addition to the many millions of dollars they were ordered to pay ) Portfolio Associates agreed to halt collection activity against XXXX individuals such as myself. that only receive SSDI as a sole source of income. In the settlement Portfolio Associates agreed were ordered to stop collection activity from Social Security Disability ( SSDI ) recipients. In short not only is Portfolio Associates in flagrant violation of the terms of their very own settlement agreement both XXXX XXXX  and Portfolio Associates are double reporting an account with inaccurate information for " profit and loss reporting purposes ''. As if all of this were not bad enough, the information being reported is completely wrong in terms of what was owed, what payments were made right up until the bank decided to take a charge off. Portfolio Associates is in violation of the law for breaching the terms of the settlement agreement signed by them and the AG 's office for the Commonwealth of Massachusetts. XXXX is in violation of the law for doubling reporting this account and continuing take it as a collections account and loss after they sold it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I made a payment on my Victoria Secret CC of {$500.00} my original credit limit was {$600.00}. Around XX/XX/XXXX and XXXX Comenity Bank did a soft pull on my XXXX  credit report and decreased my credit limit to {$150.00} without my acknowledgement. When I call VS and Comenity Bank no-one could give me an answer behinds they did a promotional soft pull. They informed me that they sent out a letter explaining the decision. I never received a letter from the Bank of today XX/XX/XXXX. I have a block on my XXXX  Report for promotional purposes so no-one can run my credit to determine whether to increase or decrease my credit limit. This has caused my credit score to decreased by 57 points which is hurting my credit reporting because they lowered my credit limit. I am beyond upset that they would do this right after I made a huge payment on my card. Comenity did a soft pull on my credit on XXXX XXXX and XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. During these soft pull my credit limit was not changed, because my balance was at the maximum credit limit. I have tried to talk to both VS and the Bank and they just hang up on me. Please help me with this issue because I can't seem to get an answer or resolution. This is a violation of my consumer rights and they don't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
There was a payment of {$100.00} that was posted to my account in XXXX of 2019. The payment was improperly posted. {$50.00} should have posted in XXXX and {$50.00} in XXXX. As a result of this error it shows a 30 day late to my account in XXXX. They recognized the error and even credited my account for the late pays. They informed me they would also adjust my credit report. Upon checking my report this year I noticed the error and been trying to dispute it for several months. This is my third attempt with supporting documentation where they credited the late fees. I have never been late with this company or any other company. They refuse to remove this negative information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I have had my car loan for over four years and I feel that my payments are not going toward my principle balance at all. I remember calling almost two years ago and my balance was XXXX XXXX and something dollars, well still to this day when I call my pay off balance is XXXX XXXX something dollars. I pay {$380.00} a month payments. It makes no sense. The car is barely worth {$4000.00}. I have been requesting a full payment history since XXXX of last year and they still will not send me anything. I do not get statements from them at all. If I don't make my payment they call me all day and night every day. I want a payment history to know where all of my money has gone and to figure out fair payments for the future to get this car paid off but they are absolutely impossible to work with. When I ask them how much interest I have left to pay they tell me I pay more interest every single day. It doesn't make any sense to me and when I googled and researched the company I found out they have had multiple huge lawsuits against them for bad loans and I'm now scared I might be a victim of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: MT

Complaint narrative:
I have an account with Money Network LLC a company of First Data, around XX/XX/2020 I noticed that someone was phishing my account and I called Money Network to have them issue a new card due to this activity, I received a new card on XX/XX/2020. Then on XX/XX/2020. {$440.00} was fraudulently taken from my account to purchase gift cards, I immediately notified Money Network of my claims and started a dispute process. They issued a new card and told me that my account would be safe. I asked them to also change my routing number and account number so I was assured this would not happen again, they assured me with the new card that my account was safe and they could not change the account number or routing number. Then on XX/XX/2020 the same thing happened in the amount of {$650.00}. I immediately called Money Network and once again started another dispute process. Which again they issued a new card and refused to change my account or routing numbers. Then on XX/XX/2020 my federal tax return in the amount of {$1200.00} was fraudulently taken from my account and used to purchase gift cards from XXXX, I immediately called money network and once again I started a dispute process stating that I wanted my money refunded to me and that I wanted my account and routing number changed. Again they refused to change my account and routing number and once again they only issued a new card. Now as of today XX/XX/2020. My Federal stimulus money in the amount of {$1200.00} was fraudulently taken from my account to once again purchase gift cards. I have had to appeal these first 3 cases numerous times and have provided Money Network with documents proving that I did NOT make these purchases. Yet they continuously deny my claims stating that I am NOT providing them with enough information. I have asked numerous times to talk to the Dispute or Fraud Department directly to which they claim that it is an internal  Department and there is no direct phone number and no way for them to connect me to the dispute or fraud department. Also it is stated in their own policy and agreement : under Disputes and Error Resolutions that if more than 10 business days are needed to research the transactions they will credit the account within 10 business days for the amount in question. Which has not been done. On XX/XX/2020 I was told that all of my existing disputes were denied once again and that my account had definately been hacked.

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 2020-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I had an automobile loan with Honor Finance in XXXX and self surrendered the vehicle because it was giving me problem after problem. I was contacted in XX/XX/XXXX stating a garnishment would be taken place. As of XX/XX/XXXXmy wife 's checks have been garnished with an up to date amount of {$11000.00} that has been taken. On the court document states an amount of {$8400.00} was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: FL

Complaint narrative:
Please remove items which are not belong to me because it is fraud. 
I do not recognize this account and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this account and remove it once its confirmed that it is not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow this account is verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were 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
Consumer complaint received 2020-04-15 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: FL

Complaint narrative:
Please remove items which are not belong to me because it is fraud. 
I do not recognize this account and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this account and remove it once its confirmed that it is not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow this account is verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were 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
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
company called about a time-barred auto loan debt where last payment was made over 10 years ago ( a time-barred debt ). 

1 ) lied to about name of company ( was told it was XXXX  ). after I recontacted them, was told it is XXXX XXXX ) lied to about this being a time-barred debt. they specifically said it is NOT a time-barred debt. This is in violation of federal FDCPA regulations. 

number they called me from : ( XXXX ) XXXX their information online : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: MARINER FINANCE, LLC
State: KY

Complaint narrative:
Over a year ago I filed a complaint on this site with Mariner Finance.  The dispute number is XXXX. They responded saying they would remove the late marks from my report ( attached their response ) They have yet to do so. They are still calling me to do additional business with me, but I do not trust this creditor.

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 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello I was charged for the month of XXXX {$40.00} late fee and for the Month of XXXX a {$39.00} late fee was assessed to my account. I spoke with someone directly after making my payment and he stated that he will not be able to waive the late fee after bringing my account current. The employee ID number is XXXX. I am just getting over the virus and was shocked that the system would not allow this to happen. Please help me resolve this matter. Thanks.

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 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Opened an account with XXXX XXXX  in XXXX XXXX XXXX, FL. was opened in XXXX then canceled this account the very next day by phone call to the sales representative, was told to email the wish of cancelation which was done the same day and by hand delivering a written statement of cancellation 2 days later to the sales representative XXXX in office. Nothing more was heard from this company until a few years later on or about XXXX when I had our credit pulled. I disputed with all credit bureaus, and it and it was removed. Now it is back on my credit report as of XXXX of XXXX as a new account. I have made every attempt to have this straightened out and removed, but XXXX XXXX just run me around to collection companies that are not in service and say that this account no longer belongs to them and gives me numbers that are no longer in service one being XXXX XXXX   which is XXXX XXXX, the other is XXXX XXXX XXXX XXXX and finally now it is with Security Credit Services. I do not understand how the file can be removed and then reapplied years later by selling the account as default/delinquent when it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
I have had a very difficult time with Home Point Financial. I have tried 2 times to get a loan modification completed. I am writing they complaint and letter to appeal my modification review. I have recently been declined for a loan modification and was told because I do not have enough income to pay the mortgage. The is 100 % incorrect and I provided that in the modification package. I am currently working full time and early make {$10000.00} to {$12000.00} per month. My mortgage payment is {$3000.00}. Based on mortgage banking guidelines I have enough income to afford my mortgage and qualify for a modification approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I called Chase Bank back in XXXX to report a fraud made by XXXX for {$1200.00} without my approval. My account was hacked and somehow someone accessed my information and was able to approve this authorization without me knowing. The bank gave me the funds back until XX/XX/2020 when I noticed that the bank took the money back leaving my account overdraft, I called the bank the same day, the day after and next day trying to look for help and the supervisors told me they could not help me because all the information the people used was accurate. Of course it will be accurate it was my account with XXXX that was used. After I tried I was supposed to get a check from my employer and the bank wouldn't accept it. I called and they told me they were not doing anymore business with me, I noticed that the negative amount was gone and I said ok no problem and they said they were going to email me the check my employer gave me. 
After a few days I went back to my account and no amount was showing until XX/XX/2020 I noticed they posted the amount back plus extra XXXX I keep calling and they are close due to the virus and I can't get in contact with anyone. This is crazy I can't afford to be Overdraft like that I really need help my account is Overdraft by a lot now and I can't afford this during this Corona Virus crisis. 

Thank you, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: NC

Complaint narrative:
I have dealt with many companies during this time of unemployment and the virus. This company only offered more dept no delay in payments. Were very rude. Will never deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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:
This is related to the following complaint already closed. 

XXXX Equifax is reporting remarks on credit reports of mine obtained from the Fair Issac Credit Corporation that state I had a " Chapter XXXX Bankruptcy and/or Closed by Credit Grantor '' for the following : Two XXXX  XXXX accounts XXXX XXXX account One mortgage account ( XXXX  ) One XXXX  account Additionally they are reporting a remark stating : Account closed by credit grantor for : One XXXX account. 

The issue is that these remarks are independently hurting my FICO scores apart from the known fact that for most of these accounts there was a bankruptcy. 

FICO has stated that remarks published by the credit bureaus independent of the acknowledgement of a credit closure negatively affect my credit scores and I would like them removed. 

I have been able to successfully obtain their removal from XXXX  and XXXX, but have been unable to do so with Equifax. They state I have to provide them some document from the bankruptcy court, which makes no sense.

Company response to consumer: Closed with explanation