vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 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: PA

Complaint narrative:
PayPal Transaction ID : XXXX On XX/XX/2018, an associate attempted to send me {$500.00} through PayPal, from her personal PayPal account to my personal PayPal account. PayPal offers a method of sending money using a recipient 's telephone number, which is the method used by my associate.

The {$500.00} went to another PayPal account holder instead of me.

The issue here -- besides still not receiving that money, is that PayPal seems to think it's okay to have one phone number for multiple accounts. If the phone number is the only account-identifying recipient information needed, the security of that money transfer is questionable.

Which account holder will receive the money?

Since this incident, I have spent several hours on the phone with them, and actually won a reversal of the {$500.00}, only to have that reversal rejected by their fraud team. Attempts to speak with their fraud team have resulted in being placed on hold for hours at a time.

The sender has had less success trying to mitigate this than I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
My original loan disbursement in XX/XX/XXXX held a balance of roughly {$36000.00}. I have paid roughly {$46000.00} back on this student loan. My repayment balance today is roughly {$49000.00}. Navient customer service explains that this is due to interest rate accrual ... I was a given a couple of short no-interest accrual forbearance periods, however, I have paid consistently since XX/XX/XXXX, and with my re-payment amount currently at {$46000.00} it simply does not add-up that I can owe {$49000.00} today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: IN

Complaint narrative:
Key2 Recovery, of XXXX XXXX, OH made several phone calls to our home phone, trying to collect on an alleged debt of our youngestDaughter, XXXX XXXX, who has not lived with us for several years. We told Key2 these facts, and that the alleged debt was not that of my wife or myself, and that we had not guaranteed anything for XXXX, and hadn't co-signed, etc.We told Key2 to stop calling us. ( We also had not received anything written from Key 2 before or after these harassing phone calls. ) Key2 said they would stop.

On XX/XX/XXXX, Key2 began to call us again, using cellphone numbers, and also began to call our oldest Daughter XXXX on her cellphone as well. XXXX also does not live with us. Key obtained these cellphone numbers of our Family in an illegal process called 'skip-tracing '' ; which violates consumer protection laws as well as privacy laws. The cellphone calls may also violate the TCPA.

Key2 has also called friends of XXXX  on this alleged debt, and seems to have contacted her employer. This adds to the illegal business practices of Key2, and would seem to violated Title 5 of the Federal Trade Act ; as this is an Unfair and Deceptive and Abusive act by Key2.,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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:
Fraudulent inquiries

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 2018-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
RE : PayPal case # XXXX, Merchant ID # XXXX SUMMARY : I sent {$3200.00} to my Nephew on XX/XX/XXXX. This is advertised by PayPal as an " Instant Delivery ''. 
The charge posted to my XXXX on XX/XX/XXXX. PayPal has the funds, but has delayed ( two weeks and counting ) and has still not delivered the payment as advertised and promised. 

On XX/XX/XXXX I made two payments using PayPal to my Nephew, XXXX XXXX. The 1st payment went through just fine. The 2nd payment Transaction ID # XXXX for {$3200.00} was flagged by PayPal as an " Open Dispute '' and a hold was put on delivering the funds. 
On XX/XX/XXXX I was on a 58 minute " chat '' session with XXXX from PayPal in an attempt to resolve PayPal 's concerns. XXXX was not able to answer my specific questions or help resolve the actual problem -- -he only was able to describe PayPal 's resolution processes. 
I can submit a transcript of the on-line chat session if requested. There was a initial problem with one of my funding bank accounts, but it was cleared up immediately and I have two emails dated XX/XX/XXXX and XX/XX/XXXX from the Branch Sales Manager saying the PayPal situation is resolved. 

I immediately submitted and have continued to submit all documents requested by PayPal as follows : Files ( 9 ) [ Add ] Date Sent Type of Documents File Title XX/XX/XXXX XXXX Fax Any Bank Account Statement XX/XX/XXXX FrontDriversLicense-pg-1.pdf Fax Any Bank Account Statement XX/XX/XXXX BackDriversLicense-pg-2.pdf Fax Any Bank Account Statement XX/XX/XXXX XXXX Fax Any Bank Account Statement XX/XX/XXXX XXXX-transactions.pdf Fax Any Bank Account Statement XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Statement XXXX XX/XX/XXXX Bank Statement XXXX My XXXX card was changed on XX/XX/XXXX, so PayPal has collected the funds and I am requesting immediate delivery of {$3200.00} to my Nephew. I can provide copies of Bank emails, Credit card statements, etc to support this complaint if requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 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: NE

Complaint narrative:
My credit report was pull on XX/XX/2018 And show delinquency and late payment. The delinquencies and let payment are 4 years old and still shows as recent.

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 2018-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a letter from XXXX XXXX dated XX/XX/2018, stating that my Walmart credit card account was closed due to my credit score dropping to XXXX. This isn't my correct credit score ; I also opened this account with this type of credit score. At this time my account was in good standing. 

I contacted the company to re-open my account and they would not do it.

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 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had an earlier complaint XXXX and at first got helpful calls from the person assigned to my complaint. 

The explanation from Bank of America is rather misleading. The reality is that their website makes it very difficult to manage payments properly. They have it set up that way in order to increase their late fees and interest payments. 

Moreover, their customer service people are horrible to work with. It is impossible to get anything in writing, nor to get a person who has any discretion to make a reasonable decision. 

As part of that agreement I made with Bank of America, they agreed to waive fees until the card was canceled. When I paid off the balance, they canceled the card, but charged another {$60.00} in fees and interest. 

I tried calling the assigned service representative, XXXX XXXX, many times, I got no reply.

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 2018-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Malcolm S. Gerald and Associates, Inc.
State: FL

Complaint narrative:
I assume M S GERALD is calling me to collect my phone debt from the number XXXX. The problem is not that they call because of my debt, the problem is they call and when I answer they hang up. When I don't answer they leave voicemails with no one talking, and now my dad calls to tell me that someone from their agency called him trying to find me for a debt collection. I don't understand how they never leave messages or talk to the person who owes the debt, but they do talk to someone else not authorized in that account. I still have to talk to a real person. I even called the number now and all I hear is like if it was a fax line. No one never answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX, I bought two XXXX the musical tickets from XXXX XXXX XXXX for a show on XX/XX/XXXX @ XXXX  at the XXXX XXXX  in XXXX XXXX. After I bought the tickets, I was sent an email saying someone wanted to transfer my tickets through XXXX  for a showing onXX/XX/XXXX @ XXXX ( notice this isn't the correct time - and there wasn't even a showing at that time ). On top of that, the link was broken. I called XXXX XXXX to tell them the situation, and they were confused why I would receive an email from them when I bought the tickets on a different sight. They said their service isn't used in such a way. Therefore, I emailed XXXX XXXX XXXX. I only received an automated response that they would get back to me. However, they never got back to me. From the automated email, I noticed that there was a company name " XXXX XXXX '' from the XXXX. I searched around on XXXX, and many results came up commenting that they are a scam that make legitimate looking site for shows and musicals. ( The real site doesn't have dashes in it XXXX XXXX XXXX/ ... It's easy to confuse ).

Long story short, I protested the charge with Discover for {$190.00}. The first time they reviewed it, they sided with the merchant. Therefore, I uploaded documents including emails I received showing the broken link and things I found on XXXX  showing that this company is a scam. Again, they reviewed it and sided with the merchant! How could this be? They told me the merchant claims that I received tickets via email. However, I already told Discover that the link they sent me was broken, and I never actually received tickets. Also, the tickets they supposedly sent me were for a time where a showing didn't even exist. They said they're going to give it 90 more days for a final review. I've spent several hours trying to get this correctly resolved and sending all the proof I have. Yet, somehow Discover is protecting scammers from the XXXX instead of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
This account was settled with the originating creditor prior to being put in for collections. I have not signed a HIPAA release form authorizing this third party creditor access to my medical information and a HIPAA complaint will ensue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Back in XX/XX/XXXX, I purchased a central air through XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX, XXXX, MN XXXX. ( XXXX XXXX XXXX XXXX ). This company has different address. 
XXXX XXXX made me sign a loan document through XXXX XXXX to make the monthly payments. Shortly after I signed the documents to the bank, I received a notice from the bank stating I had to pay the amount of {$29.00} fee for the loan application. 
On XX/XX/XXXX, the bank sent me an invoice for the amount of more than {$6000.00} dollars claiming I had purchased two central air conditioners. I called and the bank staff member told me that XXXX XXXX sent a double invoice for the purchase of two central airs. The bank stated to blame XXXX XXXX. I explained to the bank I purchased only one because I had only one house. I requested the bank to send me documents that stated I signed two times the forms, but the bank refused to send me documents. 
Based on this, I learned that the bank was committed fraud against me by charging double payments for two central air conditioners. 
The bank refused to send me any documents to prove its claim. I spent money sending a letter to the bank by requesting to send me documents that proves I purchased two central airs. The bank never responded me. I am concern, the bank will force me to pay for two central air conditioners. 
I checked on line reviews on this bank and I learned that XXXX XXXX has been committed fraud against consumers. Please see their reviews on XXXX XXXX I hope that US government investigates in deep this bank for committing fraud against customers. I was one of the bank 's victim.

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 2018-03-12 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: FL

Complaint narrative:
I opened a XXXX XXXX XXXX card by recommendation from credit building program called XXXX XXXX in XX/XX/XXXX. Shortly after opening the account I was hit with charges without using the card and without getting statement. I notified XXXX XXXX by phone to find out what happen. They explained when I open a card there is an annual fee upfront. So I paid it. However they reported me late on XX/XX/XXXX and this was a major hit on my credit that I have been rebuilding for 5 years. Then later in XX/XX/XXXX- {$49.00} was charged to my account again from XXXX . Again no statements and no notice XXXX XXXX kept charging late fees and I found this out when I pulled my credit in XX/XX/XXXX. Also to my surprise and Shock I had 3 derogatory late pymts from XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX they demanded {$120.00} to discuss my account and enable me to put in a dispute. This was a clear evidence of Identity theft and fraud. I did not use this card. However I paid XXXX XXXX again {$120.00} to stop the bleeding of reporting more derogatory reports on my credit. Shortly after on XX/XX/XXXX XXXX XXXX finally responded to my dispute and AGREED I was not responsible for the identity fraud charges and all subsequent charges thereafter. I recontacted XXXX XXXX to inform them to please remove all these degratory actions dating all the way back to beginning XX/XX/XXXX. They agreed and also agreed to reimburse me the {$120.00} I paid them in XX/XX/XXXX. Unfortunately I did not get the next correspondancce until XX/XX/XXXX- again from XXXX XXXX supporting they reviewed my account and I WAS NOT RESPONSIBLE and they will report to all 3 credit agencies to remove my negative reports from XXXX XXXX. BUT I had to wait 60 more days. Unfortunately XXXX XXXX removed several negative reports but DID NOT remove the negative report from XX/XX/XXXX. and my credit continues to suffer almost 2 years later. I have been turned down for several car loans, house financing and much more. 












{$0.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I opened a XXXX XXXX XXXX  card by recommendation from credit building program called XXXX credit in XX/XX/XXXX. Shortly after opening the account I was hit with charges without using the card and without getting statement. I notified XXXX XXXX by phone to find out what happen. They explained when I open a card there is an annual fee upfront. So I paid it. However they reported me late on XX/XX/XXXX and this was a major hit on my credit that I have been rebuilding for 5 years. Then later in XX/XX/XXXX- {$49.00} was charged to my account again from XXXX . Again no statements and no notice XXXX XXXX kept charging late fees and I found this out when I pulled my credit in XX/XX/XXXX. Also to my surprise and Shock I had 3 derogatory late pymts from XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX they demanded {$120.00} to discuss my account and enable me to put in a dispute. This was a clear evidence of Identity theft and fraud. I did not use this card. However I paid XXXX XXXX again {$120.00} to stop the bleeding of reporting more derogatory reports on my credit. Shortly after on XX/XX/XXXX XXXX XXXX finally responded to my dispute and AGREED I was not responsible for the identity fraud charges and all subsequent charges thereafter. I recontacted XXXX XXXX to inform them to please remove all these degratory actions dating all the way back to beginning XX/XX/XXXX. They agreed and also agreed to reimburse me the {$120.00} I paid them in XX/XX/XXXX. Unfortunately I did not get the next correspondancce until XX/XX/XXXX- again from XXXX XXXX supporting they reviewed my account and I WAS NOT RESPONSIBLE and they will report to all 3 credit agencies to remove my negative reports from XXXX XXXX. BUT I had to wait 60 more days. Unfortunately XXXX XXXX removed several negative reports but DID NOT remove the negative report from XX/XX/XXXX. and my credit continues to suffer almost 2 years later. I have been turned down for several car loans, house financing and much more. 












{$0.00} XX/XX/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 2018-03-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I disputed items in my credit report that were a result of Identity Theft. I filed the dispute online through the Experian website where I was required to upload documents to support my claim of Identity Theft. I uploaded numerous supporting documents including, a copy of a police report for the theft of my belongings and credentials that led to the Identity Theft, and Identity Theft Affidavit, an FTC filed complaint for the Identity Theft, etc. On XX/XX/XXXX, I received a letter from Experian advising me that the Identity Theft report I provided for my dispute does not meet the guidelines by the federal Fair Credit Reporting Act for the following reasons. But the letter does not list any following reasons. Experian is now requesting that I provide them with an enormous amount of specific information and support documents in order to proceed with my dispute for Identity Theft. I've already provided them with the requested information when I initially filed my dispute online through their website and uploaded the requested documents electronically. There is already an extended fraud alert ( 7 years ) on my credit report from when I first reported the Identity Theft to Experian in XX/XX/XXXX. In order for Experian to have placed the extended fraud alert on my report, I was required to provide them with information and documentation that supported the Identity Theft, so the information had already been provided to Experian in XX/XX/XXXX. The information and documents I uploaded on XX/XX/XXXX, when I filed my dispute online through the Experian website, did reference the Identity Theft that occurred and supported the fact that Identity Theft was committed against me. I'm not understanding why Experian is now saying the information I provided did not reference Identity Theft. The letter I received from them on XX/XX/XXXX, fails to state the reasons why they did not accept the documents I provided.

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 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX XXXX XXXX which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.

Company response to consumer: Closed with explanation