vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I am an international XXXX  student at XXXX university. I opened abank account in PNC bank, XXXX, Al in begining of XX/XX/2018, i used the bank depit card for buying some stuff online and paying in super markets correctly. At the beginig of XX/XX/2018 the pnc bank told me that was closed without showing any reasons. I didn't get my monyback till now. I tried to open an account in XXXX XXXX  and applied online for a deposit account, i recieved a message from the bank that my request was rejected due to a report from a Consumer Reporting Agency which is : XXXX  XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 
I tried to get what is inside this report but i couldn't. 
The problem now that i want to know what is wrong with me and also i have to open a bank account to recieve my salary on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XXXX XXXX, I moved into a house I had just bought. Since I will need to purchase a lot of home improvement supplies, I signed up for the Lowe 's Hardware credit card through Synchrony in XX/XX/2018. Synchrony sent me a letter asking me to call them to verify my identity. They asked me questions supposedly from my credit report. They then sent me a letter saying they couldn't verify my identity. I sent them an original of my credit report to prove my answers were correct. XXXX XXXX at Synchrony sent me another letter dated XXXX XXXX saying they still could not verify my identity, which is impossible because I am me.

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 2018-12-11 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: WA

Complaint narrative:
Had three unauthorized transactions on XXXX  app done without my consent or knowledge. The first was on XX/XX/2018 for {$300.00} and the other two were on XX/XX/2018 for {$1000.00} each ( {$2000.00} total ). I reached out to XXXX and tried to get it reversed. However, they said since the account it was sent to is one that I had a previous affiliation with that they could not do anything and that I would have to resolve the dispute with the person who received the money. She did not want to give it back so I filed a police report on XX/XX/2018 regarding the unauthorized transactions. 

I then contacted my bank with the police report and they reversed the charges from XXXX. I was contacted on XX/XX/2018 by XXXX  saying that I owed them {$2300.00} or else I would be sent to collections. I explained the police report and how the bank reversed the funds due to fraud and they were insistent that their terms of agreement say that I must resolve it with the person who received my money. I told them I refused to pay for fraud and they threatened to shut down my account and send me to collections for {$2300.00}. I spoke with a representative both in online chat and on the phone from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX   {$500.00}. XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}

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 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Received Shellpoint Modification Trial Offer, agreement. Spoke with Shellpoint by phone asked them to explain the terms of the modification offer. They refuse to give me the details of the modification agreement such as, if the rate is fixed and how many years I will be paying on my mortgage. They want me to sign the trial offer agreement but I don't know what I'm agreeing to. Ask them to give me a the break down of what I'm paying for in my escrow account there reply was they didn't have that information.They are hard to communicate with and unwilling to assist me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am unable to access my Transunion Online Dispute or get access to my credit report. I've reached out to Transunion and was promised calls back, but never received them. It just states we are experiencing techincal problems and to call them.

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 2018-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX dollars and XX/XX/XXXX XXXX  dollars was deposited into my PayPal account for a old drawing I had and a gentleman purchased it well I had to wait for access to this money for 6 days due to the fact I had to follow their procedures which i did then they finally released the money for me to have access too well within 5 hours of having my money they then put an account limitation on it saying I needed to provide some more information proof of identification tracking information and etc all of this was provided same day it was asked for so for the next 4 days I talked to several people several times a day and each person telling me the same thing you have provided all the information we asked for and the limitation will be lifted well yesterday ms XXXX got all the information again plus extra proof of requirements so that it would be lifted well I receive an email stating they closed my account and I have to wait 180 days to get my money so I call and they tell me there is nothing they can do because back office made decision the buyer had tried to help telling them he is happy and received the item and to release the money there is no reason for them to hold my money especially since they didn't hold taking out their fees from the start and I had to wait for 6 days to even touch the money then only had it for 5 hours and they stopped me accessing my money. There is no fraudulent issue no issue with buyer no issues at all except with them not releasing the money what bills I did get to pay from this account while I had access to it the ones that didn't clear because they put hold on account in middle of me paying bills have been returned and now these companies have closed these accounts and I being charged XXXX dollars per returned fee. I understand they needed informations and to make sure buyer was happy and received item and they were provided every thing they asked for why let me have my money to turn around and take it back for no reason and now tell me I have to wait 180 days. Someone please help me I am so upset and confused I don't know what to do.. thanks XXXX XXXX . XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: NY

Complaint narrative:
Twenty months after paying off my loan in full, Great Lakes added {$13000.00} to my loan balance. They said the money was a fraudulent payment ( it wasn't ) so they sent it back to the bank. I never received the money back. They refuse to tell me where it was sent to past that. The money has disappeared. Now I have a large balance on my student loan, and my missing {$13000.00} is nowhere to be found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I had a credit card for approx. 2 years. I asked if they had a short term plan with a lower interest because I wasn't sure how our income was going to be over the next few months, because of retirement. The customer service rep in order to qualify for the plan, you have to be in arrears. I told her it wouldn't work, because I've never missed a payment.She gave me more information along with my account would be close, but after the end of 12 months it would automatically be opened up & they would lower the interest over the 12 months also. I asked her to confirm that it would definitely reopen at the end of 12 months. She said " Yes ''. I told her again that " but I didn't have any late charges. She decided that if I wanted to get on the plan, she would basically see if the company would still put me on the plan. She told me she could put me on it! I was excited, but still continued to question about my great credit!! She just basically put me on it anyway. At the time, there was nothing said about why she was able to put me on the plan, except for it would still be reopen in 12 months. We were recorded, which is what I wanted anyway..plus, my husband also heard everything, because I had the rep on speaker phone, and I told her that he was sitting right by me & could hear everything that was said! I called the company in XXXX to find out my exact date in XXXX that my acct would be reopened, because I still made all my payments on time! That's when I found out that my account was not going to reopen & the rep that put me on the plan had made it look as if I missed a payment. Thank the XXXX  that I have proof from my bank draft & paper work that shows & proves that I never missed a payment. I called several times, & found out they even put my account in COLLECTIONS!!!!!!!! Then, they sent me a letter stating they were raising my interest rate even more than the original interest rate & showed that my payment would be {$100.00} ... which would be approx. {$32.00} toward principal & almost {$70.00} per month of interest & on this {$100.00} would take me 8 years to pay it off. I still can't believe they did this!! This is the employee ID for this rep ( XXXX  ) No one would give me her name, or no one at the company would even discuss why this was done, but the agreed that it was the wrong thing to do with my account!! This was recorded on XX/XX/2018.

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 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX  XXXX. 0pened XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX   {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX {$500.00}XXXX XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX  XXXX. 0pened XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX   {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$500.00}. XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I have requested for the company to send me a copy of original contract bearing my signature to validate that I am legally liable for the debt. On XX/XX/2018 I fax the company IC SYSTEM, a validation of debt. I have not received any responds from I C SYSTEM, they continue to report the credit agency. This a clear violation of The Fair Debt Collection Practice Act. The company had 30 days to validate the 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 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good afternoon, I am showing a new address that has never been associated with me. The address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Fl. XXXX. Also the following phone numbers have never been associated to me : XXXX XXXX XXXX XXXX I am afraid someone is using my name or SS and might open accounts under my name. I am checking my report now.

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 2018-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
My mortgage with XXXX XXXX XXXX  was bought out by another company Called Lakeview Loan Servicing. I was never notified. I repeatedly tried to pay my original mortgage and was denied access. I just thought something was wrong with the website. After a couple of weeks of this and a message from a credit reporting company that my account with XXXX had been closed, I called my mortgage company only to find out that my loan was sold and they were no longer servicing my loan. They gave me the number to the new company. When I called them, they said they had sent a new customer package back in XXXX. I never received notice that my loan was sold. I had no idea what was going on. I have a credit reporting service that notified me that my account with the original bank was closed. After calling the new loan service, they had sent my new customer package to a wrong address. Now when I registered to pay online with the new company, it states that I have late payments. It is kind of hard to pay a payment when your account was closed and you have no idea what is going on!

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 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: WI

Complaint narrative:
I was charged XXXX starting XX/XX/XXXX and was promised my credit would improve. I have cancelled my service effective XX/XX/XXXX. I was charged 5 times in the month of XXXX. I also did not receive any service from this merchant. My credit has not improved and actually went down since signing up. I am trying to get my money back and the company is refusing to refund for service not rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11 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: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
XXXX : TD Auto Fina XXXX I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
I have been communicating with both my servicer and guarantor due to a fraudulent " notice of default '' claim that was filed and paid. I am now inelgible for financial aid eventhough I never defaulted and had just come off a forbearance period when the claim was filed. Both companies continue the point the finger at the other. Today, I called and spoke to a representative named XXXX who refused to provide additional information. I asked her what dates are listed as my loans being delinquent on the claim XXXX  filed. She only referred me back to them. She stated she is only in collections. I informed her I am versed in how collections work and that a company must substantiate any claims of delinquency by providing the dates an account was in default. She refused to tell me what information was on the claim filed by XXXX. I told her having that information would allow me to submit proof of my forbearance period to get my loans taken out of a " default '' status. I have made payments to both XXXX and ECMC within the past 8 days. ECMC is refusing to accept my proof of non-default which is preventing me from receiving financial aid. ECMC is not willing to update my loan status even though they are aware my account never defaulted and that they paid on a false claim.

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 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have an active XXXX that I opened several years ago with XXXX XXXX. In XX/XX/2018 XXXX sold their credit card portfolio to XXXX XXXX, a subsidiary of XXXX XXXX   XXXX  XXXX, XXXX, South Dakota. XXXX sent a letter to me and all customers notifying them about the portfolio sale to XXXX effective in XXXX. 

In XXXX, when XXXX XXXX  XXXX  XXXX reported my XXXX account to TransUnion, XXXX  and XXXX for the first time, my XXXX  credit scores with these 3 credit bureaus all dropped dramatically. My scores dropped 103 points with TransUnion, 97 points with XXXX, and over 50 points with XXXX. 

I did not have a late payment or an increase in my balance, or any other negative action on my part. In fact my TransUnion report that I access through XXXX noted that I had paid the balance lower and they showed that as a positive change. Additionally there are no other recent changes, late payments, increased debt, or any other negative items on any of my other accounts. This drop in my score is definitely the result of the XXXX to XXXX sale. 

So, because one financial company ( XXXX ) sold their credit card portfolio to another company ( XXXX XXXX XXXX XXXX  XXXX  XXXX ) the result of their actions is my credit score plummeted about 100 points. I did nothing wrong here. I should not be punished and harmed when I've done absolutely nothing wrong. 

I have called each credit bureau and XXXX XXXX, as well as contacted XXXX XXXX XXXX XXXX. I also filed disputes with TransUnion and XXXX. Results : XXXX told me they are reporting correctly and the credit bureaus responded that they investigated and verified the details of my account at XXXX. Everything shows paid as agreed and no other negative issues. 

Summary : I can not get an answer from any credit bureau about why they destroyed my credit rating and lowered my scores about 100 points, when this credit card portfolio was sold. It is not fair business practice to cause great harm to the consumer when I've done nothing but meet my obligations. The bureaus harmed me because two big companies sold this portfolio. I had nothing to do with that.

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 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
An account was opened in my name approximately XX/XX/2018 through PayPal lnc. utilizing my name, social security number, birth date and my home address and was immediately charged up to $ XXXX was not aware until I received a a collection notice from XXXX in XX/XX/2018 demanding a settlement.I called PayPal lnc . to question the account and reported a case of stolen identity. They provided me a case # and suggested I contact the credit bureaus to establish report of Identity Theft. I have done so. I also sent a dispute letter to PayPal on XXXX XXXX requesting that they provide me the details of their findings and confirmation that I have been relieved of this debt. To date I have received a call from the debt collector they have hired approximately 30 days after I had sent this request and have not received any confirmation of the above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 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: DC

Complaint narrative:
Transunion : XXXX XXXX XXXX XX/XX/XXXX I did not authorize this.

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