vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I applied to PayPal Here Service provided by PayPal.com and I was denied. It is a credit card processing service. I called to inquire as why I was denied from using the service. 

The company stated that they could not provide the reason due to proprietary methods. I believe that credit decision or financial application system needs some oversight. If there is no transparent criteria then the company should not be offering the service or denying service. 

The basis of the denial may be bias or an illegal reason. 

Complaint about paypal.com From XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Over the last 14 months I have asked for Validation of a medical bill Just to be told it meets FCRA.
I have tried to show that the accounts are dulicated by two Collection company 's. If the Reporting agencies remove one Collection it will sale the account to the next Collection company and at other times both Collectors will report the same account with different Reporting Agencies at the same time.
I need these accounts removed or properly validated and only one company to report it and not duplicate it. 
CommonWealth financial Systems XXXX Reporting Agency. {$880.00} Dulicated. 
XXXX XXXX XXXX. XXXX XXXX XXXX. For {$880.00}. 
Creditor is XXXX XXXX in all wrong reports. 
Thank you in advance for your help. 

Very thankful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When Wells Fargo noticed we went to branch monthly to pay mortgage, persuaded us to open a savings/checking accounts with Wells Fargo for no charge and ease of payment. After we setup monthly automatic mortgage payment, there is no activity in our accounts. Monthly fee started to be assessed ( because our savings account balance have been bellow {$2500.00} XXXX. Because of no paper statements from the bank, even though each month we got a email reminding statement is ready, we never logged on to check. 

This has been going on for more than a year, without warning or call from Wells Fargo until this XXXX when we accidently noticed the only activity of the accounts has been the fees for more than a year.

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 2017-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
On XXXX/XXXX/XXXX Southern Credit Recovery Inc. reported to XXXX, XXXX  and XXXX I had one account in collections for {$100.00} dollars, I have no knowledge of said account and I do not owe Southern Credit Recovery Inc anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Southern Credit Recovery Inc or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Southern Credit Recovery Inc are a clear violation of the Fair Debt Collections Act.
I am requesting that Southern Credit Recovery Inc remove this collection account from each of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We are in a Hurricane Irma FEMA designated area ( XXXX XXXX XXXX XXXX FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Chase credit card ending in XXXX. 

We have not received any payment deferment as of today XXXX Sunday, XXXX XXXX, XXXX ). When we call Chase Irma Relief at XXXX XXXX XXXX the Chase representative is not able to help us resolve the issue for deferred minimum payment. 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I was contacted on a freelancer site called XXXX saying that I was going to be an editor for the website www.gainsight.com. The person who did this contacted me from the number XXXX on XX/XX/XXXX. He claimed his name was XXXX XXXX. He told me to contact his Hiring Director XXXX XXXX ( XXXX ) via XXXX XXXX   for the interview and job briefing. 
I then contacted her and went through with the interview, was hired, and told I would be paid a rate of $ XXXX/hr. I was then told I would be emailed a check for {$1200.00} and that I was to mobile deposit it and send her a screenshot of the confirmation. This money was supposed to be for my materials to start working : software, work time tracker, etc. I did that. When the money was in my account ( XX/XX/XXXX ) she had me to make a XXXX XXXX account and send {$800.00} which added up to {$870.00} by the end to XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, TX XXXX. I sent them that ( XX/XX/XXXX ) and apparently the money was picked up by said person. A day later ( XX/XX/XXXX ) I was told to go to XXXX and buy three gift cards in {$100.00} increments for them. They stole my codes and redeemed them. 
After XXXX tells me that they are waiting to ship my items I do not hear from her. Which was fine because she said she would talk to me tomorrow ( XX/XX/XXXX ). Around XXXX on XX/XX/XXXX I receive an email saying that my account was overdrawn by {$1100.00} ... the amount given by a bounced check plus about {$14.00} I had in the account. I went to go to tell XXXX about this but am blocked on XXXX XXXX. I tried calling XXXX XXXX ; he is using a texting service so no call could be made to him. 
I called XXXX XXXX and tried to get my money back but could not. They filed a case for me which was case number:XXXX. I do not have a way to pay overdrafts or the fees and need my money back. 
I called XXXX XXXX and filed a claim with them. I filed a claim with XXXX who put a hold on the gift cards. I filed a claim with my local law enforcement. I filed a claim with my bank ( PNC ). I filed a claim with ic3.gov ( FBI ) The bank is telling me that I am responsible for repaying this in 14 business days. I was the subject of fraud and I am held responsible for the money. I do not have that money and find that I deserve to be repaid this money and not be at fault for something I did not do intentionally. I was not aware that this check would bounce. Therefore, I should not be liable for this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I have seen on my credit report that I have two collection actions from First Financial Resources, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( Ph : ( XXXX ) XXXX ). Both collections were purportedly opened on XXXX. 

I never received any notification from this creditor that I had a debt in collection, and I certainly never received notice that I could dispute the debt. These are both required under the FDCPA. I was also never given a chance to request documents on which they are relying on to prove I owe the debt, required under the Massachusetts Debt Collection Practices Act ( XXXX C.M.R. XXXX ). 

I acknowledge that the underlying debt ( from an ambulance service ) is properly associated with me. However, I understood this to be a matter for my medical insurance, and did not realize that payment would be sought from me. I dispute that I owe this debt at all. 

Furthermore, my credit report indicates that, except for XXXX months during the period XXXX - XXXX, the debt was in collection. However, the detailed information states that there has been " no data '' sent to the credit agencies for any month during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have two accounts with Wells Fargo, a checking and savings account. Wells Fargo has a program that is supposed to help you save money called Save as You Go. They take random amounts of money every time you spend from checking account and automatically move it to your savings account. It has never been explicitly communicated how they determine how much will be transferred to your savings account. In earlier days, it was typically a dollar now it varies. On XXXX XXXX, XXXX, an overdraft protection was applied which resulted in {$25.00} being pulled as a cash advance from my credit card. My credit card is linked as overdraft for my checking account. The overdraft protection was for a deficit of just a few dollars. This few dollars deficit is because Wells Fargo pulled a random amount to move to Save as You Go which actually goes from my checking account to my savings account. The actual transaction I made had enough in my account to cover it. The next morning on XXXX XXXX, XXXX less than XXXX hours later I transferrred {$2000.00} from my savings account to my checking account. I called Wells Fargo to find out how I can pay back the unnecessary overdraft protection to my credit card since cash advances are at a much higher interest rate. I was told that there is no way to specifically pay off a cash advance. That IF you pay more than the minimum in a given month, TYPICALLY the excess money will go toward your cash advance. I said well this is a result of a shell game that Wells Fargo decided how much additional money they were going to shift from my checking to savings account under this Save as You Go which is supposed to help you save money. Now, you are adding the ability for Wells Fargo to continue to make additional interest for YEARS on a high balance credit card without giving me the consumer the ability to tackle that specific charge. I did deactivate the Save As You Go feature. I 'm also asking that this overdraft protection be reversed. The deficit is my own deficit because it is because it was n't enough to move the amount Wells Fargo wanted to shift. This has NOTHING to do with a retailer or external charges. This is ALL my money where Wells Fargo is taking money out of my left pocket to put in my right pocket and forcing me to pay higher interest for a cash advance. This is very unethical since there is no process to payoff cash advance directly especially because it was used by XXXX XXXX to pay 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 2017-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
They kept calling me at first and then they started calling my family members. 

In addition - they threatened to garnish my wages and said that there are pending actions against me. 

I do n't know why they are doing this and I feel really stressed out ... In addition, they have n't verified the debt and they never provided me paperwork demonstrating that I owe them anything in writing? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I moved from one rental house to another, about 5 miles, on XXXX-17 and transferred my XXXX XXXX account to the new location after being at our previous location for about 30 months. 

Upon checking my credit report with Equifax, I find XXXX did a hard inquiry on my credit report. Clearly this was not required as they know my history for the past 30 months and all bills were paid and on-time. What is most concerning is this request was not done with my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: AR

Complaint narrative:
All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I discovered that in XX/XX/XXXX that someone I was dating was stealing from me. I immediately contacted the police and filed a civil suit simultaneously. As I started to review the drafts on my bank account and credit cards. I had discovered that this individual had been making charges and also fraudulently opened accounts. In the month of XX/XX/XXXX, I also hired my own private investigator and later found out that Navy Federal had allowed this gentleman to obtain checking and savings accounts with me as his sponsor without even notifying me. This individual also has called in checks off of my credit card and actually had an alternate credit card that belonged to me in his possession. When I opened this account for Navy Federal and called to activate the card they told me that I qualified for a different card with better rewards. The agent told me that he would cancel this one and send out the new one. I later find out that Navy Federal did not only did not cancel the card but gave it the same number so when I activated the XXXX XXXX XXXX it activated, the other card that I disposed of was activated as well. I actually have proof from Navy Federal that this individual fraudulently called in a check to pay the bill for another card that he fraudlently opened in my name with XXXX. I have proof of my travel through the month of XX/XX/XXXX through early XX/XX/XXXX that I was in XXXX, IL, but multiple charges were made throughout North Carolina and yet Navy Federal still refuses to reverse the charges. I would like to be given a fax number to send all of these documents at when I try to upload it keeps saying file size to large.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This incident related to American Express XXXX XXXX XXXX XXXX. Estimated impact due to the issue is about XXXX dollars rewards dollars XXXX corresponding XXXX from two statement cycles, and annual fee I paid for the benefit that I did n't actually receive. 

I converted my account from blue cash card to blue cash preferred card upon receiving an offer from American Express. Before I taking the offer, I made calls to American express to ask if I transferred to blue cash preferred, will the XXXX dollars grocery yearly limit start from calendar year ( meaning XXXX/XXXX/XXXX ) or the production conversion date. I was told that once I convert, I will receive new benefit that 6 % cash back on first {$6000.00} dollars counting from product conversion date. ( I have American Express Chat screen shot as evidence ) But after I converted the product to preferred card ( paying XXXX dollars annual fee ), and I did n't get 6 %, I was told the reason is that I have already used up XXXX dollars limit, therefore I only get 1 %. This is DIFFERENT from what I was told when I upgrade my card to the preferred version with an annul fee. 

I gave Amex a call, and got transferred to multiple department, then I was told they are going to submit a case review, and the case review can take XXXX8 weeks. In the meanwhile I am still paying card annual fee without receiving any benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX violated the FCRA, by not notifying me they were furnishing derogatory information to XXXX, XXXX and XXXX. XXXX XXXX XXXX is required to notify me prior to, or no later XXXX days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishing of information was going to take place. This is required under the FCRA, section XXXX, subsection ( XXXX ) ( A ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: IL

Complaint narrative:
In XXXX XXXX, I inquired to XXXX XXXX XXXX XXXX XXXX for XXXX XXXX. As a result, XXXX XXXX XXXX XXXX XXXX did a hard inquiry into my credit report and reported it to Equifax. 

This was totally unnecessary as a soft inquiry would have been sufficient to provide them the information they needed. I ultimately did not use XXXX as their prices were too high. 

I have accounts with XXXX, XXXX, XXXX XXXX, & garbage collection utility providers for my house. None of these have ever done a hard inquiry when establishing or moving to a new location. If necessary, a soft inquiry was always sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the XXXX XXXX XXXX all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the XXXX XXXX XXXX all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29 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: CA

Complaint narrative:
I noticed an unauthorized hard inquiry into my credit on my Equifax Credit Report. I disputed it, and roughly XXXX days later, they said they completed the investigation and left the inquiry on my file. I told them it is fraud, and I had contacted XXXX who confirmed someone had used my SSN and Name to open an account with them. Equifax refuses to do anything further about it and is dumping the problem totally on me. The only reason anyone was able to GET my information was BECAUSE of the massive Equifax data breach -- they need to be doing more to help people who have been impacted by the data breach and have had their information stolen.

Company response to consumer: Closed with explanation