vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 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: IL

Complaint narrative:
I started this dispute with paypal in XXXX XXXX. I sent this to the SEC and they referred me to you.I think PayPal is ignoring me because they failed in their, Fiduciary duties of protecting my money, and not sending me proper disclosure. In XXXX of this Year, I sold a coin on XXXX. PayPal collected my money. About 3 days later I got an email from PayPal saying that they were going to give the money back to the buyer, even though the buyer receive the coin he bought. An obvious scam!!! I called PayPal to ask how they had the authority to do that without my permission. They said they sent me emails telling me that if I did n't do certain things they were going to give the money back. I said I never received any such email and asked them to prove to me that they sent the emails and prove that I got them. I have been trying to contact PayPal by phone and by 3 certified letters over the last few months, the Last one was to the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I asked them to contact me to get this matter settled, I have received absolutely no response, I 've sent to their corporate offices in XXXX XXXX California. I think PayPal knows their wrong and think 's I will go away. I recently saw an article indicating that a class action suit was being brought against PayPal for the exact same reason as my case. I can send you copies of all my correspondence if you wish. I would think that a gigantic corporation would try to treat their customer like they meant something to them. Paypal is the Ocean and I am just a piece of sand. Well this piece of Sand Served in the XXXX XXXX XXXX where I learned to fight back. Maybe you can explained to me why I 'm bein ignored. Please Help Me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
VIOLATES HIPPA AND CRA

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 2017-10-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX, I sent a request to all three credit bureaus requesting that they correct two errors on my credit report. I promptly received responses from XXXX and XXXX XXXX correcting the mistakes, but I have not yet received anything from Equifax. They were supposed to respond inside of 30 days, but it is now 73 days and counting without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank/CBNA has re-aged my accounts. They should no longer be on my credit report due to the statute of limitations in Texas. Instead of removing them they have been reporting that I have been making payments in order to re-age both of my accounts with them. For one ( starting with XXXX ) they reported a payment as recent as XXXX of 2017 with XXXX. I have tried to dispute the accounts with each of the credit bureaus and was not successful due to Citibank stating false payment information. I have also faxed Citibank asking that they no longer re-age my accounts and delete them from all three bureaus.

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 2017-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
on XXXX/XXXX/XXXX at XXXX I sent the 3 months payment thru XXXX XXXX. To XXXX XXXX account XXXX recived code XXXX for the amount of {$2200.00} on XXXX/XXXX/XXXX my car was picked by the bank at my job. I called the bank and they stated the payment was rejected and that it would be returned within 10 days. I been calling since the 10th business day and they keep saying the payment was rejected but no money has been sent back to XXXX XXXX. I have also been calling XXXX XXXX, they also requested a cancelation since I had XXXX on speaker when they stated they had rejected and denied the money sent. I was laid off from my second job and stared getting behind how ever they should return my money since the car is in there position & the stated they decline a payment that I have yet to received. They keep stating they rejected the payment. Im a mother XXXX XXXX XXXX with no financial help from anyone. I under stand the car getting picked up if I did n't pay at all but the money was sent.

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 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I sent in payments of {$69.00} and the bank shows it cleared on XX/XX/XXXX, a {$19.00} payment and the bank shows it cleared on XX/XX/XXXX, and a {$530.00} money order on XX/XX/XXXX. XXXX/XXXX XXXX lost all three payments. They asked for proof and I sent them the banks print out of their stamp showing the two back checks were paid. The {$530.00} money order ( # XXXX ) was sent in the same envelope as another money order for {$590.00} ( # XXXX ) on XX/XX/XXXX. The {$590.00}. got applied toward my mothers credit card and shows cashed on XX/XX/XXXX. The {$530.00}. money order which was to be applied to my credit card wasnt applied to my credit card. I faxed a copy of both sides of the money orders also with instructions to contact XXXX XXXX to verify it had been cashed. 

After I faxed them the documentation, I received a letter from XXXX  stating they couldnt ( wouldnt actually ) contact XXXX XXXX to verify their own company cashed the money orders. As they were in the same envelope, I know XXXX/XXXX had to be the one to cash them both. XXXX XXXX charges a {$15.00} fee to tell you who cashed the money order. You can go through their phone system and enter the money order number in and it tells you the date it was cashed. 

XXXX essential y has done nothing to resolve their loosing these payments. Its going on two months and they still havent gotten this resolved

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 2017-10-03 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: TX

Complaint narrative:
Received a call from XXXX on Tuesday XXXX XXXX, XXXX regarding the account the motorcycle loan is listed under and he mentioned that the funds were never received. I requested a full audit transaction and XXXX to prove that XXXX never received it and I was told they 're not obligated to do that. In addition I 've mailed off a certified mail letter of validating that the debt is in fact true and I have yet to receive any real time source stating so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: RI

Complaint narrative:
I notic

ed a year of so 2 derogatory marks open on my credit report. When I looked into it. I realized these were not my bills, but my daughters, and her ex ' who has custody of children. I took them to some appointments if parents were uncapable to that day, But was never, ever financially responsible for their medical payments?.

1-Once mistakes noticed I called dr 's office to correct mistake first..'unfortunately they said they had no info because folder went to lawyer 's office to collection '. I have called Lawyer listed on credit report numerous times, and even emailed him. Explaining situation and also giving him my daughter 's name and address, I also gave information pertaining to children 's father '' such as full name, and address ... informing him again, and explaining the mistake in detail. Requesting him to please correct it..Instead he just changed/updated date on report. orignal debt from XX/XX/XXXX..now is XX/XX/XXXX giving him 7 more years to collect and stop it from falling off my file on credit report. I have disputed it with credit reports, tried to work it out with lawyer, but its still on them. I 've supplied childs parents billing information.these 2 derogatory marks look really bad on my credit report and I think its a shame that I was unable to reasonably have them removed..when I even tried to help XXXX XXXX collect debt by supplying him with correct debt owners name, Addresses..he has not responded from my emails or voice messages?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX and on XXXX XXXX I received notice from WELLS FARGO XXXX preservation Department stating their loan modification was denied on account number XXXX. Currently there is an Appeal on this denial, however I noticed that a ( income and expenses documentation XXXX from XXXX was used in the decision on the loan Modification application submitted in XXXX XXXX. Due to the change in circumstances from The origination of the loan in XXXX, This matter should be investigated.

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 2017-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XX/XX/XXXX We buy a new leased XXXX XXXX ; and end our lease on XXXX same model car. Dealer XXXX salesperson verifies that cord is there, tire kit, GPS, and overall says " good shape, this will be a great car for resale. '' In XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/ get heavily called by XXXX XXXX asking us about the XXXX XXXX. I say it was turned in XX/XX/XXXX ; we do n't own and give out name of salesperson. The calls get so bad I file a complaint w/corporate XXXX and ask them to reassure this dealer will ground the car and do their job, we 've had issues w/dealer in the past and I am informed that they 've noted my complaint ; dealer will be reviewed, there wo n't be an end of lease bill. XXXX apologizes for dealer lack of good service for customer loyalty on 2nd XXXX purchase. 

XX/XX/XXXX we get end of LEASE bill. I have many conversations trying to get XXXX XXXX management to sort out that the bill is bogus. dealer sat on car for 3 months - why are we liable for a car that we had no control over how/what/used? XXXX, " Office of the President '' manager waives the power cord charge, but wo n't budge over tires. Every time I call I explain that i ca n't start over w/every rep & retell the saga of this dealer. I ask for an internal email to be sent to a XXXX rep that I DID have a logical conversation with in XX/XX/XXXX. That rep calls, leaves a XXXX XXXX number- ca n't reach her in a sea of XXXX employees? I call back numerous times and ask again that an internal email be sent to her again, so that she 'll call -- hopeless. My last request was for " ALL CALLS to stop, that we will not pay these false charges. '' XXXX called again today and it was not the " Management Specialist '' that I asked for. I can not start over every time with a new rep ; these calls are harassment, they go nowhere and even XXXX management will not help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
This is my 3rd attempt to get this problem resolved but American Express refuses to provide information via transfer verification, copy of check, written verification that the {$2900.00} Balance Transfer was made to the correct account. 

I have spoken to XXXX XXXX yet again today and have verified that this payment was n't posted to my account. They have asked that I be provided with something other than a letter to prove this payment has posted. They stated that American Express knows exactly what to do to get this clear as this is n't their 1st Rodeo. Maybe as their letter states it was applied to an account ending in XXXX but not my account. I would like to get this resolved. 

I have included a copy of the last document that they have sent to me in response to this dispute. I have also included a copy of all payments posted to my account over the last 12 months and there is no payment in the amount of {$2900.00} on the date American Express states it was made and from them. 

This will be my final attempt to get this matter resolved before a legal action is filed and damages are requested. 

This amount needs to be removed from my account until written proof can be made via XXXX XXXX that this payment has been made. 

THIS IS MY FINAL ATTEMPT TO RESOLVE THIS. 

THANK YOU IN ADVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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 filed a dispute with Equifax regarding 2 accounts with XXXX XXXX XXXX in the amount of {$970.00} and {$59.00}. On XX/XX/XXXX Equifax advised me that their dispute was complete and the account was verified. On XX/XX/XXXX I contacted the creditor in an attempt to find out additional information about this account. We attempted to located the account using my ss #, dl, address ( old and current ), phone number, account number listed on Equifax report, and name. After searching for the account well over 30 minutes without finding any accounts, I disconnected the call and called back to speak with another representative who was also unable to locate an account using the information provided. I then requested to speak with a supervisor because again Equifax claimed the account was verified and I just wanted to get it resolved. After speaking with a supervisor, who was also unable to locate an account, she requested that I fax over the documentation provided from Equifax. I immediately faxed over the documentation and followed up on XX/XX/XXXX. I was then notified that no account was able to be found. I then asked to fax some letter over to equifax advising that the account does not belong to me and of course they were unable to do that. 

I contacted Equifax again on XX/XX/XXXX and XX/XX/XXXX and requested proof or any documentation provided to confirm that this account in fact did belong to me. I explained to them that after multiple phone calls with the creditor I was unable to verify or locate an account. After speaking with the representative and supervisor I was told that they were unable to provide any documentation that states they are required to validate debt. How am i to resolve an account that does n't exist with the creditor? How is it that Equifax allegedly verified account but the creditor is unable to locate the account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I recently applied for personal loans online due to financial hardship. I was contacted by someone saying they worked with XXXX XXXX XXXX and approved for a loan of {$2100.00}. Turns out the check was fraudulent and written on a check with your name. My bank suggested I reach out to you. Please call me at you earliest convience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
I received this letter stating I was placed in the collection agency by XXXX XXXX, whom Ive never done business with.

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 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I submitted a lump sum payment of XXXX on XX/XX/XXXX, for my PayPal Rewards credit card ( XXXX XXXX ). I am not a consumer who will allow large balance to remain on my card. After several days, I continued to notice with each check of my account, that my payment had not been applied to my credit card balance. I was told by the accounting manager today, XX/XX/XXXX, that due to me being a " new cardholder, with no ; credit card payment tenure established ' '' that " large payments are suspect in nature because 'other users have exhibited similar large payment behavior when participating in an illegal activity known as 'kiting ' ''. She also informed me that it is within their rights, per banking laws, to hold a payment that I submit on my account for up to 21 days!! She then added, " but we are only holding this one for eight days ''. Really? 
I am unaware as to what " kiting '' is, but it is n't something I would do, if illegal. I am simply a person who has utilized my card during a family emergency, only to pay it to a balance that would be less than 1/2 of my credit line ( XXXX ). 
This practice is my policy and I 've had no issues with other companies when paying a substantial amount " down '' off my balance in order to keep usage percent as low as possible. 
For eight days, now, my credit card account balance utilization has remained over 90 %, despite the fact that my payment of XXXX dated XX/XX/XXXX cleared my bank. I see absolutely no clear nor concise justification for the failure to apply my payment to my PayPal Rewards Mastercard account. Please contact me with information regarding applicable laws that would substantiate their justification for " placing a hold upon '' a large payment on my credit card. Thank you. 
Kind regards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( 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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a credit report alert for the first time through TransUnion notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named XXXX XXXX XXXX. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number. Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.

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 2017-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Have not responded to two debt validation letters I sent via certified mail in regards to providing proof of my original wet ink signature contract and not a photocopy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I received a letter from rent recovery solutions, XXXX stating that I owe the {$300.00}. I requested debt validation from them and they are sent documentation for an apartment that I never lived in. I then sent another letter for the debt validation and received a letter with charges on it. 

I did sign a lease for the address listed, but the apartment was infested with roaches and I moved out before a week and there was no damage to the apartment. Now that they can not validate the debt they are modifying what they are sending. 

This is not debt validation and they have not and will not provide it.

Company response to consumer: Closed with explanation