vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 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: MN

Complaint narrative:
PayPal took out money from my account without any notice. Here is the story. I sold my tennis racquet on XX/XX/2017 with the restriction of no return. However, the buyer requested for the return to XXXX and XXXX  gave a favor to the buy without any investigation of the case. I made a complaint to the XXXX and we finally agreed that I accepted the refund and gave a money back on XX/XX/XXXX. At that time, I had {$0.00} balance on my PayPal account, so I transferred the money from my bank account and refunded the money. 3 months after, PayPal, all of sudden, took the same money amount out of from my PayPal account. The invoice was not issued to me. No notice!!! I called the customer service, but they can not find the root cause of the issue. I had to spend hours to explain the situation such as providing transaction ids. But, they has not given my money back yet, and nI believe they are not able to find the root cause. This company is making unauthorized transaction without any consent from their customers! If the company can not track the financial transaction, the company needs to be closely reviewed their financial transaction platform to make sure so that they have a capable of providing a such service to the customer. My issue has not been resolved yet, and I hope CFPB to initiate the investigation so PayPal can address the issue better going forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
Letter of Complaint Against Western Union Agents in XXXX  There is an ongoing practice by Western Union Agents in XXXX that is bad business practice. XXXX Western Union Agents convert 25 % of Recipients funds into a XXXX  Currency that is widely unaccepted by merchants, businesses and individuals in the Country. This means that Recipients are losing 25 % of their funds, because the converted currency is not widely accepted. While Western Union Receipt clearly indicates that for all transfers, receiver may receive less due to foreign tax, in the case of XXXX, it is not a foreign tax. Is Western Union aware of the forced conversion of 25 % of transfers to XXXX   Currency by Western Union Agents in XXXX  that is not widely accepted as legal tender in XXXX? Why isnt the 25 % conversion indicated on Western Unions Receipt?

I would appreciate that in the name of good business practice, XXXX  Western Union Agents either declare that it is a tax, and that converted transfers enjoy the same rights as a legal tender in all of Liberia, before forced conversion of transfers continues. As it stands, Senders and Recipients are being short-changed. That is, the converted funds can not be used, or will be devalued by over 25 % to be accepted by businesses. Can Western Union do something about this scheme by Western Union Agents and XXXX  Government? Lots of XXXX   on social media are fed up with this arrangement by Western Union and other money transfer Agents in XXXX.

Thanks for your prompt response.

Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I gotten 3 calls from XXXX XXXX 3 times I given my attorney and told them I was on the do not call list

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I have turned this debt over to a credit management service. I had 2 accounts with  them and they have both been placed on the credit management plan. They are receiving payments from this service on a regular basis, but they still call me multiple times a week. The few times I have spoken to them, they are aggressive and rude. Telling me they will contact my employer to garnish my wages and that I can go to prison for not paying the debt that they are receiving payments on. When I asked to speak to a supervisor or if the calls were monitored, they told me they were not recording the call and I can not speak to anyone in a supervisory position until I pay the debt owed. 

I have now blocked their calls, but they continue to call and leave repeated voice mails. Many times early in the morning or late at night. I refuse to take their calls due to their aggressive nature.

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 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
I was contacted by State bridge Mortgage, the servicer on my loan after the Hurricane in XX/XX/XXXX and after my neighborhood was declared a federal disaster area. They offered me a reduced payment option for 6 months and then went on to say that the difference of my regular mortgage payment would be capitalized adding it to the back of my loan. I accepted the option, paid the agreed amount and have since resumed making the regular payments as of XX/XX/XXXX. 

State bridge has sent me demand letters for the difference that they claimed would've been capitalized, they are reporting my mortgage as delinquent since XX/XX/XXXX and the regularly scheduled payments that I have resumed making since XX/XX/XXXX are being placed in suspense. Not only has this had an adverse effect on my credit but its also affecting my employment because my employer actively monitors my credit so this is becoming a huge problem. Furthermore, back in XXXX when the storm hit XXXX Florida I had already made the scheduled payment for the month of XXXX " prior '' to State bridge contacting me with the offer, they claimed that they never received it. In addition, I am really starting to question the competency of this servicer because not only are they reporting my payments incorrectly they also allowed my homeowners policy to lapse. And as luck would have it this was during an electrical fire/appliance damage caused by XXXX 's faulty wiring that started outside of the home. I would like to file a formal complaint against them because I have to get this under control. If I was having difficulty making the payment I can understand, if I didn't make the payments we wouldn't be having this conversation, but neither applies. I have also hired an attorney to pursue the matter at the credit repository level as well because again it is affecting my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: Atlanticus Services Corporation
State: MN

Complaint narrative:
I went to XXXX XXXX I had XXXX XXXX  done. I had it done twice and paid in full. They recommended a third time. I opened a charge account there. I made an appointment but ended up cancelling it. In the mean time XXXX XXXX charged my account. They told me I would have to wait in between sessions. I had the last session in XX/XX/XXXX it was fully paid for. The third appointment I cancelled but they charged the account with out waiting until I had the procedure done. XXXX XXXX  will not pay the amount they charged back to the credit card company. I did not get it done and stuck with the bill. Can you please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I paid off a balance of a student loan ( i.e. one of four ) I took out for my daughter on XX/XX/2018. 

I received a letter in summary that : - confirmed that I authorized a debit of an account with another financial institution - a notification from Wells Fargo of limitations of withdrawals under Regulation D - a footnote that " some states require us to inform you that this communication is an attempt to collect debt and any information obtained will be used for that purpose '' I called Wells Fargo to understand what they think their obligation is in notifying me of a withdrawal from another financial institution and compliance of Regulation D. Wells Fargo could not explain this to me and offered for me to speak with someone in their compliance department. I declined - as I reviewed Regulation D and I believe that Wells Fargo was overreaching in this notification to me. 

I also spoke with Wells Fargo on the footnote they provided at the bottom of the letter. Wells Fargo 's defense was that the student loans are debts that they are collecting and that there is nothing more to that footnote than notifying me as such. 

Although I am an educated consumer, I felt that I had done something wrong in paying off a student loan. In this circumstance, my paying off the student loan was not a " collection matter '' nor was Wells Fargo obligated to notify me of Regulation D - that obligation would reside with my financial institution, as applicable ( of which it was not ). Plan and simple, I felt intimidated for paying off a loan and had to research what I might have done wrong ( which was nothing ).

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 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2018 I received an updated copy of my Experian Credit File. Several accounts that I disputed where deleted from my Experian Credit File. There are still some accounts that remain that are not my accounts. Each time that I contact Experian to investigate the remaining accounts that send my letters stating that they can not accommodate my request. I need these accounts removed. If Experian ins going to continue to deny me a new investigation how am I ever to fix my credit report? I do not feel that Experian has the right to deny me an investigation when the information is truly not mines or inaccurate or fraudulent.

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 2018-03-27 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: TX

Complaint narrative:
I received a copy of my TransUnion credit report dated XXXX XXXX, 2018 and discovered a fraudulent hard inquiry from " XXXX  '' dated XXXX, 2018 which I never authorized. I do not currently have service nor have I applied for new service with XXXX. 

I contacted XXXX via phone numerous times and also sent them a letter via certified mail requesting them to remove the unauthorized inquiry from my credit report or provide proof of authorization, neither has been done to date. 

I have also sent multiple request to TransUnion via both phone conversation and fax concerning this fraudulent inquiry on my credit report and nothing has been done. I just keep getting the run around. 

As a precaution I placed a 90 day fraud alert on my credit with all three credit agencies in case this has been a case of identity theft. 

Can you please help me with this matter

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 2018-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: PA

Complaint narrative:
I opened a XXXX account in XX/XX/XXXX, I paid the full amount in XX/XX/XXXX. The account was close and Monterey reopened the account on XX/XX/XXXX. There was no actual contract and the amount was paid in full for {$1000.00} now it stated that I owed {$3000.00}. False information and amount. Im no longer reliable for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
I separated from my husband we both had our phones through XXXX XXXX I took my phone and assumed responsibility. That point I had it for a year I change companies to XXXX had them walk me through each and every charge and how to get out of that phone. Paid that amount and 2 months later I receive a huge bill. As soon as I receive this bill I contact the company go over it they said that there are now new fees that are going to be attached. At that point I completely disputed the bill. No form of dispute took place with this company I could not fight the charges there were no steps for me to take I put a dispute in with my credit reporting agencies and it still stands that way now this was almost 7 years ago they're not allowed to be on my credit report after that time. So they have chosen to sell it to another company and they're reporting it as a new debt only thing on my credit report I refuse to pay it because this was a wrong practice in the first place! Now this company is harassing me I mean from phone calls to letters in there different phone numbers every time. Even though I say I dispute it that they're not allowed to report it to my credit agency that they are not the ones that had their debt and mine has been just how can they sell a disputed item anyway? Nothing has taken place for me to even have a stand to dispute! XXXX XXXX is the new company the debt they are reporting a {$660.00} debt when I paid every single one of my fees to get out of that contract I can't do it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: IA

Complaint narrative:
I received a payment for services rendered of {$1000.00} the customer opened a claim on XXXX XXXX to try to keep the services that were completed and get his money back fraudulently. I sent papal all the proof that work was completed, and the customer had contacted me the day he refund was requested and never mentioned a refund. Subsequently I sent a payment of {$220.00} from my account to XXXX XXXX XXXX when that payment was sent there was no notice that the negative balance would be added in addition to that transaction. Since then the account I sent the payment through has been made negative and when they try to transfer it alerts them that balance would be added to the transaction and the total amount. 
I want to know when that feature was added because it was not there when I placed my transaction. I'm asking that paypal refund me the balance they took because no prior notice was given and it was put on the back end of my transaction. Even if you look in my ledger with them it shows XXXX not the balance they added after the fact.I have attached what it looks like today if your account is negative it gives you a warning that the balance owed will be added to your transaction. I was not given that so I'm requesting they refund the balance to my card that they took without warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: FL

Complaint narrative:
Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports transunion, XXXX and XXXX under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX  and XXXX are two of the most recent claims filed against Wells Fargo. We also filed with the OCC multiple times except this time, we were told that the CFPB does not handle XXXX XXXX and to immediately filed with the OCC. If you look back at our prior claims, we have not deviated from the initial claim except to separate the claims. If you look at the evidence, we have never implied anything different except where the evidence takes us. We now are opening a 3rd, 4th or 5th claim? The evidence from the first two listed claims and additional evidence we will provide. I AM WRITING THIS IN ALL CAPS SO WELLS FARGO READS THIS LOUD AND CLEAR. XXXX XXXX, IN WHICH YOU VIOLATED YOUR OWN POLICY TOWARDS INVESTIGATIONS AND XXXX. NO ONE EVER REACHED OUT, NO ONE. WE COMPLAINED ABOUT FRAUD ... HERE IS WHERE OUR CLAIM TAKES A DIFFERENT PATH WHEN IT COMES TO WELLS FARGO. We believe Wells Fargo not only broke their FIDUCIARY OATH, but they also DID commit XXXX XXXX, Breach of Fiduciary Duty, Breach of Covenant, Breach of Trust, and finally they violated Punctilio of Honor. Loyalty, honesty and good faith constitutes Punctilio of Honor. They can not deny the fact their company violated these acts 3.4 million times!

When one person does agree to act for another in a fiduciary relationship, the law forbids the fiduciary from acting in any manner adverse or contrary to the interests of the client, or from acting for his own benefit in relation to the subject matter. The client is entitled to the best efforts of the fiduciary on his behalf and the fiduciary must exercise all of the skill, care and diligence at his disposal when acting on behalf of the client. A person acting in a fiduciary capacity is held to a high standard of honesty and full disclosure in regard to the client and must not obtain a personal benefit at the expense of the client. ( b ) Uniform reports and simplification of instructions. Remember 3.5 years. XXXXXXXX XXXX XXXX  out of XXXX, Tx said we should opt out because we will not receive what is due to us.

The Federal banking agencies shall, consistent with the principles of safety and soundness, work jointly ( 1 ) to adopt a single form for the filing of core information required to be submitted under Federal law to all such agencies in the reports and statements referred to in subsection ( a ) of this section ; and ( 2 ) to simplify instructions accompanying such reports and statements and to provide an index to the instructions that is adequate to meet the needs of both filers and users.

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 2018-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I opened a zales account in XX/XX/XXXX, I paid the full amount in XX/XX/XXXX. The account was close and XXXX reopened the account on XX/XX/XXXX. There was no actual contract and the amount was paid in full for {$1000.00} now it stated that I owed {$3000.00}. False information and amount. Im no longer reliable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Carter Young Inc has been reporting a debt of {$100.00} to the credit bureaus ( incorrectly listing XX/XX/XXXX are the opened date ), and I contacted them and requested notification and verification of the amount they are attempting to collect. I had not been previously notified of a debt in this amount. I received 2 emails ( XXXX XX/XX/XXXX, and XX/XX/XXXX ) from the person listed below : XXXX XXXX XXXX Carter-Young , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The emails do not have any documentation related to the amount they are reporting to the credit bureaus. There is no billing statement attached. I have not received anything else from them. 

On my credit reports, Carter-Young Inc. is reporting a. " Opened '' date of XX/XX/XXXX, but the first of 2 emails what I received from them ( which do not list any billing information ) is dated XX/XX/XXXX. How can they report that a debt has not been paid, when they never notified the person they are trying to collect from? They are damaging my credit score immensely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports XXXX, equifax and XXXX under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports XXXX, XXXX and Experian under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation