vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
The buyer XXXX XXXX first contacted me saying she wanted to buy the pants for {$8.00} when they were listed for {$15.00}. I made a Counter offer of {$11.00} and she accepted. The pants were described as being in very good to excellent condition, but I was selling them due to being too small. She Became abusive on XXXX saying I was a XXXX, XXXX person. She wanted To keep the pants, but wanted me to give her an {$8.00} discount, Thereby giving her the pants for free. She also chose {$10.00} shipping even though the listing only offered {$7.00} as shipping. XXXX ruled Against her and then she went to PayPal. Paypal asked her to return the pants and she shipped a different pair in size 27. The pants I sold were a size 29. 

When XXXX asked her to send photos to me as proof, she never responded to the request for photos. Her ratings ( shown here ) show that XXXX has had to delete several of her reviews because she has been INAPPROPRIATE. Buyers like this are harmful to The XXXX and Paypal community. 

I want my money back. She committed FRAUD and is dishonest. She stole my pants and Pay Pal gave her a full refund. 

URL : XXXX : https : XXXX URL : PAYPAL : https : //www.paypal.com/myaccount/transactions/details/5FN76780V3091862E? from_legacy=true

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
No fee checking account opened on or about first week of XX/XX/2019. Discovered today that an analysis service charge fee has been charged monthly to my account. I have no idea what this charge is for and this charge was never disclosed to 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 monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have 11 different student loan accounts presently being serviced by FEDLOAN SERVICING. All 11 Accounts report 2 late payments in XX/XX/XXXX and XX/XX/XXXX for a total of 22 reported late payments. However, on two separate occasions, I applied for and was granted a general forbearance by this company for the period from XX/XX/XXXX to XX/XX/XXXX. Despite this, the Lender continues to report late payments and refuses to update my file with the 3 credit agencies despite three separate attempts by myself to dispute this incorrect reporting directly with the Lender and on two separate occasions through XXXX. This incorrect reporting is destroying my on time payment history and thus my credit. As the attached documents show, the account was clearly in forbearance during the periods said payments are being reported late or missing ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CENTENNIAL MORTGAGE CORP
State: CA

Complaint narrative:
I have sent more than {$40000.00} for a principal reduction on my mortgage, and FIRST CENTENNIAL MORTGAGE co.which is located XXXX XXXX  XXXX XXXX XXXX, in the city of XXXX XXXX, XXXX,,,, did NOT apply the payments to my balance, and was charging me late fees for not making the payments, when I was NOT able to make a regular payment, because of their site was down for maintenance reason, after calling numerous time, finally one of the supervisors of the company told me that the reason they did NOT apply my payment to the balance of my mortgage, was that they were trying to sell my mortgage to a bank or another financial institute, so they can make more money with higher balance on my mortgage, The very first time that I met the representative of FIRST CENTENNIAL MORTGAGE, in the city of XXXX in California, by the name of XXXX XXXX, he promised me that their company does NOT charge any fees or points for this mortgage, so I asked him, then how do you make money? and he replies that we will sell your mortgage for a bank and that how we make our money, at the end of the escrow he charged me more than {$1500.00}, and when I complained he text me ( oh these fees are standard fees ) and never called me back, I am very dissatisfied with this crooked company, but I am stuck with this mortgage, and the company is run very sloppy, I NEED HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-16 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: GA

Complaint narrative:
EXPERIAN REPORTING ( 3 ) BANKRUPTIES I NEVER FILE EXPERIAN REPORT # XXXX I requsting that investigation be done with Experian. Experian is report three bankruptcy that I did not file. See Bankrupties below are not mind. I only filed three bankrupties, the other three bureaus XXXX, and XXXX  have removed this three bankrupties. These bankrupties should not be reporting to Experian. 
( 1 ) Bankruptcy Chapter XXXX Fiimg Date : XX/XX/XXXX Case # XXXX Court : US BKPT CT GA XXXX ( 2 ) Bankruptcy Chapter XXXX Fiimg Date : XX/XX/XXXX Case # XXXX Court : US BKPT CT GA XXXX ( 3 )  Bankruptcy Chapter XXXXd Fiimg Date : XX/XX/XXXX Case # XXXX Court : US BKPT CT GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Re : Unauthorized Debit Dear Sir/Madam : Please be advised the purpose of filing this complaint with your agency is to seek your assistance regarding an unauthorized debit by ( Chevron ) a merchant. It was on XX/XX/2019, when the merchant ; Chevron fraudulently processed an unauthorized payment for the amount of {$470.00} which was immediately debited from my checking account. 

Most importantly, the correct payment I authorized was for exactly {$27.00}. Due to their computer system malfunction ; it processed the incorrect amount. As a result of the wrong payment being processed and submitted to my bank ; I was hit with an NSF OD Fee of {$36.00}. To make matters worst, Chevron refused to void the drafted payment and credit my checking account. 

Furthermore, I would greatly appreciate your assistance in investigating this matter. I am requesting to have this item reversed and have said funds credited back to my account. This ordeal has caused me unwarranted inconvenience and stress ; due to the fact that I live on a fixed monthly budget. 

Thank you in advance for your prompt response and I look forward to hearing from you very soon. 

Respectfully, 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 2019-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
This debt collection company who say they are lawyers have repeatedly tried to garnish my wages filing in different counties from where I live ... the first judgment was dismissed by XXXX County the county I live in due to fraud ... after that dismissal they then filed garnishment in XXXX county where I did not receive any notification of court proceedings until after it was apparently ruled in their favor my wages were garnished for a few months then I received notification that all garnishments would cease due to fraudulent filings then a year later I received garnishment proceedings from the county of XXXX to seize my property in the amount of {$7200.00} when the debt that was owed to Discover was only {$5000.00} ... this company is going from county to county to sue me and this isnt fair the debt owed is 6 years old and has been sold to 3 different debt collectors this company rudely calls anyone that is associated with me even after filing lawsuits with several county courts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST CENTENNIAL MORTGAGE CORP
State: CA

Complaint narrative:
Hello. My name is XXXX XXXX, i and my wife purchased a property in XXXX California on XX/XX/2018 and I have a issue with the initial mortgage servicer/company ( FIRST CENTENNIAL MORTGAGE CORP ) whom i closed the purchased with. Now after one year I recently got a notice that I have a ESCROW SHORTAGE from my current loan servicer ; XXXX XXXX, because they claim my property taxes were not computed properly for the first year after closing the purchase. They claim they were going off an estimate all this while. I dont understand this because all the FINAL SETTLEMENT STATEMENT shows from day one what the property taxes were. AT CLOSING, i paid PRO-RATIONS to the remaining property tax due at that time as the previous owners already paid the first half of the property tax which is split to two payments over a year. i was under the impression that the remaining half was part of my mortgage premium and that i was paying it all this while during this one year after closing. 
The county never increased my taxes it remains the same as when I bought the house XXXX of 2018. All of a sudden they have increased my mortgage significantly. I have attached the ( CLOSING DISCLOSURE AND FINAL SETTLEMENT ). i want to know how FIRST CENTENNIAL MORTGAGE determined the amount of the initial escrow payment, because XXXX XXXX says they dont have anything to do with it because all that was determined at the TIME OF ORIGINATION with FIRST CENTENNIAL MORTGAGE.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
Scam by pal pal XXXX XXXX ext XXXX XXXX told me to purchase 3 XXXX XXXX   cards because my paypal account was being hack by someone in XXXX, XXXX and Texas I need a refund for my money thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: LEXISNEXIS
State: VA

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX19,XXXX19,XX/XX/XXXX-19,XX/XX/XXXX19 Incorrect balance, the date reported, and the account type are inaccurate. 

US BANKRUPTCY COURT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CarFinance Capital LLC, Irvine, CA Branch
State: CA

Complaint narrative:
I HAD A CAR LOAN WITH CAR FINANCE XXXX. THE TOTAL CAR BALANCE WAS {$20000.00} AND THE CAR PAYMENTS WERE AROUND {$420.00}. IN XX/XX/XXXX THERE IS A LATE PAYMENT LISTED FROM THE COMPANY. THIS IS DUE TO SYSTEM ERRORS I WAS TOLD WERE HAPPENING AT THIS TIME AND THAT IT WOULD BE UPDATED. THIS INFORMATION HAS NOT BEEN UPDATED AND IS DRAGGED MY CREDIT SCORE DOWN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: SC

Complaint narrative:
Equifax has cleared my entire credit file as of XXXX. Equifax claimed that the conformation number I have was NOT in their system. It took weeks to update and correct my credit file. 
Apparently when I got married my name change was the result of an entirely new credit file. No one from Equifax sent any documentation to me of what had happened. I was NOT able to obtain credit because of this. Since then I have been correcting my credit file with Equifax! 
Equifax has received notarized certified mail form me since XX/XX/XXXX. Each time of their results Equifax has replied the account has been verified as belonging to me but Equifax has NOT sent me any documents proving anything. Equifax has ignored my documents, added alerts to my credit file that I did NOT authorize and have NOT verified any accounts under federal law. Under the F.C.R.A. Equifax has NOT furnished a copy of the original creditor 's documentation on file to verify that the information is mine and is correct. In the results Equifax stated in writing that they verified that the items are being reported correctly. Equifax has NOT supplied information to me proving who verified these accounts. 
Equifax received my first letter on XX/XX/XXXX via certified mailing no. : XXXX XXXX XXXX XXXX XXXX. 
Equifax received my second letter on XX/XX/XXXX via certified mailing no. : XXXX XXXX XXXX XXXX XXXX. 
Equifax received my 3rd letter via priority mail XX/XX/XXXX Equifax has NOT verified any of the accounts mentioned above. ( my name ) has NOT received any proof of verification from Equifax. 
Equifax should NOT get away with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 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: VA

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX-19,XXXX-19,XXXX-19,XXXX-19 Incorrect balance, the date reported, and the account type are inaccurate. 

US BANKRUPTCY COURT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: VA

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX,XXXX,XXXX,XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXXXXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: IN

Complaint narrative:
In the past I contacted Experian about fradugelent information on my credit report and they did not delete it and continues to report wrong information. I have send a police report & identity theft report for these accounts XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX . They are showing names that do not belong to me XXXX XXXX, XXXX XXXX, XXXX XXXX, this is not my name and should be corrected and only have my name listed as XXXX. XXXX. I have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, XXXX, Il XXXX or XXXX XXXX XXXX, XXXX, IL XXXX. There are also inquires that I did not give anyone permission to look at my credit for XXXX, XXXX XXXX XXXX, and 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 2019-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
For more than a year, I have been making regular monthly payments on time but suddenly my monthly payment jumped to almost {$1000.00} which I am unable to afford as a father of XXXX. I have communicated with the borrower that I will like to maintain the regular payments that I was making before but they won't allow. Effort to reduce the monthly payment has been unsuccesful as both the application and submission process has been confusing. Now I am in forbearance, I want to keep the payment that I was making before. I need help. I am a father of XXXX, I can  not afford $ XXXX monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
An appliance I bought on my card is poor quality. The legs of the refrigerator can not stand the weight of the refrigerator. 

I filed a billing dispute with my credit card company, JP Morgan Chase. In violation of 15 USC 1666i, Chase  has still have not removed the charge. 


XX/XX/2018 THE XXXX XXXX {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My card went missing and i didnt realize it until today, i checked my email and they said there has been deposits and money taken out again. I had {$400.00} in my bank account and its gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been using XXXX  premier plan product for years with not issues. Beginning in XX/XX/2019 although I am being charged XXXX for the service I have been unable to pull credit. I have called or emailed XXXX  over 15 times. No resolution no ability to pull my credit. Every time I call XXXX I am put on hold for and promised resolution from people all over the glove with not resolution. The reps are not documenting the files so each time is as if I am calling for the first time. 

I am a risk director of a bank for the past 10 years at XXXX XXXX XXXX of florida and the 13 years before at XXXX XXXX ... As of today I can't still pull my credit and am being billed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
After applying for a home refinance. Equifax Sold / Gave my personal information without my consent causing identity fraud, inquiries and multiple fraudulent credit accounts & a checking account to be opened in my name. 

I have resolved the account directly with the creditors Now I have multiple fraudulent inquiries on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
When I attempted to dispute information on my report ( XXXX was showing a problem ) I was unable to access my report and told to call Equifax. Equifax uses unreasonable questions to verify including the minimum payment on a store card from XXXX XXXX that was closed about ten years ago and no longer exists on my credit report. They asked about a car loan that doesnt exist. They asked when I last put a fraud alert on my report. It would have been many years ago, so I can not provide the month nor could anyone remember something so specific from that long ago. Furthermore, minimum payments change based on what charges are made to a card. The questions are unreasonable. The phone system is intentionally off putting and obviously intended to frustrate people. 

Equifax is not acting appropriately and should not be allowed to continue as such. They have lost my information multiple times and admit to doing so ( and are paying for monitoring services ) but wont allow me to access my own file to dispute inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019, I received an e-mail from the Bank with the subject line " Welcome to e-Bills from Bank of America Credit Card ''. It stated " Your Bank of America Credit Card bills have been set up to be delivered to you electronically through Online Banking '' and that billing has become " paperless '' or " electronic ''. I never authorized this - in fact - this has happened before, and I have complained to the Bank and given them a specific and exact instruction to never do this again. In the past, they apologized and did continue to send paper bills, but now they are pushing - again - for paperless without my consent, against my direct order and in violation of law. In this instance, I again informed the Bank that I DO NOT want paperless or electronic billing and will continue to receive my bills ON PAPER BY MAIL.

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