vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I sold a boat on XXXX. Reveived {$500.00} down payment thru PAYPAL, About 2 weeks later the buyer picked up the boat from me and paid balance of {$920.00}, Buyer made the PAYPAL transfer when he actually picked up the boat from me on XX/XX/2019. 
Paypal has frozen my account demanding package tracking information and to verify a bank account, and copy of my state ID. 
I verified a bank account, sent copy of my licence, but since buyer picked up the boat i don't have tracking information. 
After many calls I was told it should be lifted within 24 hours, on XX/XX/2019. But instead of it being listed I got a email stating I owe them money from something linked to a email address never had, from a dozen years ago. I have been using paypal for years, but has always been small purchases I made, not recieved, If I owe them this money, why did they not ever inform me. Bottom line is they are freezinf my {$920.00}, even though they know buyer already in receipt of item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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: EQUIFAX, INC.
State: IN

Complaint narrative:
The purpose of the complaint is to notify you that a case has been open with the Indiana State Attorney General office. As stated in previous correspondence my idenity was compromised and the following accounts below were opened in my name. I demand that these items be removed immediately. If not, I will pursue further legal action. I have included the case number and contact information below. 

Case # : XXXX Contact : XXXX 1. State XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
New Rez lender refinanced an owner finance loan. A 2 parcel 168 acres total. The residence financed is on 46 acres, the balance of acreage classified as 'excess land '. The property entirety was appraised out at {$240000.00}. My loan amount then was {$160000.00}. Someone placed a lien on the excess inhibiting me from selling a portion of excess land 80 acres. Had a buyer contract, the buyer walked leaving me with {$1200.00} legal fees due to the lender refusing to do a partial release. Someone also subdivided the 168 acres 2 parcels to 4. Do not know who, I never signed with the county to do so. Someone therefore took ownership of the balance of acreage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
I lost my job in XXXX and asked for a forbearance which was granted for three months. Arvest Central Mortgage advised me that I did not need to make any payments until XX/XX/2019. I did make a small payment in XX/XX/2019 which was never applied to my account. I called in XXXX to set up a repayment plan and was advised that I could not make any payments and if I did it would be returned. I sent in the hardship application on XX/XX/2019 ( which was still within the month I should have been able to make a payment plan ) I was offered a six month verbal repayment but it was too large for me and I asked if I could not do the hardship that I could still do the six month and was advised that I could. I have tried to resolve and was declined for repayment and then approved and then upon doing a new application so I could have more time to get the required XXXX down payment together. This is just a brief overview. However I never received notice of a foreclosure action. As a XXXX  I discovered this on my own through court records but never from Arrest. Yesterday, XX/XX/2019 i received a letter declining my request once again even though I have saved the downpayment and can make the payments. Please advise. Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Opened an account with TD bank and I noticed i was been charged a service fee of {$10.00} that i shouldn't have been charged. i notified td and they told me they were going to fix it, This was 3 three years ago. I have called several time to get this issue resolved and they say the same thing we are going to fix it. I went to the branch in XXXX and they lady told me to go to the branch that i opened the account, that she can't do anything. i called to file a complaint and the lady on the phone placed me on old and hanged up. I finally got to speak to XXXX on XX/XX/2019 at XXXX and she said its not the banks fault and that she couldn't do anything about crediting me back my fees but she was going to fix it and get back to me. I told her that that was what the last person i spoke to said in XX/XX/XXXX of this year. it was funny when she told me that she was the one i spoke to back in XX/XX/XXXX, and she was not sure why the issue was not fixed, and that she will look into it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-17 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: NY

Complaint narrative:
I dispute credit one yet they come back reporting more inaccurate information now you have to delete or I will sued Equifax enclose is a letter of sale of this account it was sold XX/XX/XXXX how the XXXX can they report me late for the year XX/XX/XXXX you must delete at once three time they come back incorrect no more you delete are you show proof with paper work that I am late in XX/XX/XXXX you can so delete at once A COMPLAINT HAS BEEN FILE AGAINST CREDIT ONE WITH THE OCC THE FTC WILL HEAR ABOUT THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
SLS took ownership of my HELOC account on XX/XX/2019 and it is now XX/XX/2019 and I have NEVER received a monthly statement of my account. My bills are due on the XX/XX/XXXX of the month and not only have I not received a statement for the past 3 months, I have no ONLINE access to verify the account balance, payments, details, etc. This is a clear violation of the Fair Practice Act with regards to TIMELY monthly statements.

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 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I don't understand how this company can get away with stealing my home and nobody seems to care. I spent everyday for 5yrs trying to figure out how to save my home while this company repeatedly tried to forclose without really knowing how or why they wouldn't even acknowledge me or my ownership of the property and home. 
According to my copy of the paperwork the by far breached their original agreement yet nothing could be done without a lawyer??? They knew I couldn't afford counsel as I had requested hardship packets and tried repeatedly to enlist the help of " Keep Your Home California. '' Finally they went ahead and foreclosed and I lost my home, property, and the easement I owned ( when the loan was actually only for the mobile on the Already Paid For Property ) After complaining several times to CFPB they finally decided to try to pay me off by offering me {$15000.00} to withdraw my complaint. 
Homeless and desperate I agreed to take {$25000.00} if they could get it to me within 30 days so I wouldn't be homeless anymore and they agreed. Needless to say they took at least that 30 days to write up the agreement which was then mailed to me to sign and mailed back, but again they defaulted on that 30 day agreement making the loss of my home and the degree of suffering they had impossed on me that much worse and now they think they can just walk away from this incredible injustice? 
For starters I don't even believe they had a right to claim any lein on my home!!! I don't believe they had correct paperwork, and think they were lying about the amount they said I owed. I believe that when my mother in law passed away they created forged paperwork which they convinced my companion were real, and when he passed away they just took my home as the original loan was for {$50000.00} in XX/XX/XXXXand in XX/XX/XXXX ( 12yrs later ) they claimed I still owed {$42000.00}??? 
The way this company treated me and the amount of stress and sorrow they made me endure is beyond reasonable and I don't believe they should get away with it!!! They have ruined my life and taken everything that meant anything to me all for money and it's unexceptable that this can go on without ever even having to acknowledge they've done anything wrong!!! 
I believe these people knew exactly what they were doing the whole time and yet nothing could be done about it because I couldn't afford legal council??? It should unconstitutional to let company 's do whatever they want, treat people however they want to, and take everything they can from anyone they want simply because they have more money ... Or because we don't have the money to defend ourselves!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been trying to get my credit report from Equifax for the last 9 months. I have also been trying to have unverified accounts removed. When I called Equifax they said that they were not able to verify my identity and I would need to submit a copy of my ID and Social Security card which I sent to them. I waited a month called back in and they said that they did not have it and I needed to resend it. I sent it back to them by mail and also by fax and got the same results. After repeating this process three or four times Equifax still would not send me an updated copy of my report and have not removed the unverified accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
About two years ago I mailed them a letter, per their instructions, asking them not to contact me again about a debt. Not only has it been paid, but it has also been over 15 years. At that time they were calling and sending letters to me. Both stopped soon after I sent the letter. 

About a year ago the calls and letters started back up. I answered one of the calls and said I did not want to be contacted ever again, the woman on the phone said she marked me down to not contact again. I also emailed them requesting the same thing, and I filed a complaint through this website. All contact stopped. 

Now a year later, I received a letter about this same debt. I emailed them earlier today and now I am filing another complaint to stop this before it gets out of hand again. 

It's obvious this place is more of a shady telemarketing company than it is a debt collector. They wait a year hoping you will forget how wretched their practices are and start the unwarranted harassment again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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: MD

Complaint narrative:
I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Equifax. The letter was received by Equifax on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me, validating their legal ability to collect a debt and/or physical proof sent to me verifying these debts so that they may be removed from my credit report or remain listed. Three of these unverifiable accounts were deleted and three remain on my credit report. Two of three remaining unverifiable accounts that are listed, are Medical accounts therefore violating HIPAA laws as well as the FCRA. 
The letter also requested incorrect addresses be deleted. Those addresses were deleted, but on further review there is one additional incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit consideration nor have I seen these unauthorized inquiries deleted off my credit report pursuant to section 604 of the FCRA. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have received written notice that they are in compliance with my request for this as well as deleting my old employers, deleting my wrong name per my request. 
To date I have Not received physical validation of a debt or application of credit from the credit bureau pursuant to the FCRA. Equifax did mail me a response letter to the verification and demand letter I sent them dated XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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:
PLEASE PROVIDE ME WILL FULL ACCURATE REASONS AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX WHICH LOOKS LIKE A CHARGE OFF FROM 2007, IS STILL REPORTING ON ALL THREE OF MY CREDIT REPORTS? THIS IS NOT FAIR THAT NO ONE HAS A GIVEN ME A REASON AS TO WHY THIS ACCOUNT REMAINS ON HERE. I REALIZED AFTER SEVERAL ATTEMPTS AT DISPUTING THIS ACCOUNT NOTHING HAS BEEN DONE ABOUT THIS MATTER. NOTHING HAS CHANGED AND I NEED TO GET THIS NEGATIVE ACCOUNT REMOVED FROM MY CREDIT REPORT, I HAVE GOALS I NEED AND WANT TO ACHIEVE AND THIS IS REALLY HOLDING ME BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was given misleading information from Navient in regards to my loans. When inquiring about the public service loan forgiveness, which I am a candidate. This company did not give me correct information. I was mislead in thinking that if took care of my loans on time for the 120 payment that my loan would be forgiven. Come to find out I am not even enrolled in said program, and my loans are not under the right lender. When information seeking about this issue, I found that my loans could have been changed to the lender. I have definitely been harmed related to this issue. I would close to the end of my term if they had taken care of me properly and not mislead me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
These are Fraud accounts and they dont belong to me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2019 I made a purchase through XXXX to the plug closet which was an online boutique. On XX/XX/XXXX I placed an order with them for a wallet and a handbag which totaled to {$280.00}. By XX/XX/2019 I still had not received any merchandise from them even though I was told it was 5 to 10 processing days plus 2 day shipping. Between XX/XX/XXXX and XX/XX/XXXX I have reached out to the company over and over again to try and see if my merchandise was on its way if I were going to be receiving merchandise or if I was just going to get a refund. The company and I finally decided that I would receive a refund between 7 to 10 business days and I still have not received anything from them to this day! I reached out to my bank Wells Fargo to see how they could help me with this transaction since I sent my money through XXXX through Wells Fargo. Wells Fargo told me that there was nothing they could do to help me because they see it like a cash transaction even though there's proof that I sent the amount of {$280.00} to the company. I reached out to Wells Fargo once again to see if they could help me with this transaction and I have an open claim with them now for the second time! I really feel like that I'm not getting any kind of help with any of this so I'm coming to you to see what we can do to resolve this.

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 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/19 at XXXX XXXX i received a phone call from Comenity Bank. On several occasions I have told them they can not call me while I am at work to call after XXXX XXXX. This day the agent who identified as Ms. XXXX took the note and preceded to have a conversation with me saying that I needed to handle the situation although I told her I could not talk. She then proceeded to harrass me about my bill and ask when I'm going to pay it. This is not the first agent that has done this. It happens repeatedly and my request to call me after a certain goes unnoticed and are ignored. I asked for a supervisor and when that was done i was hung up on. I called back to speak to a supervisor and again my call was disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA Federal Savings Bank, is a banking institution for Members of the Military, Armed forces, and Those family members of the military and armed forced. I am not a member of the military and have never been. Additionally none of my family are members of the armed forces either, so therefore I would not be eligible for membership in USAA. USAA Allowed A Personal loan account to be opened and membership, along with a checking and savings from a thief that was using stolen identification documents, and my email address which I had to have XXXX assist in recovering. USAA Is reporting this account not only inaccurately to the credit bureaus but this account is FRAUD. They sent all the funds and documents to this USAA Account, I did not open this account nor did I receive documentation from any of these accounts. This personal loan and any accounts with USAA that resulted from Identity theft need to be resolved, However USAA continues to report it to the credit bureaus claiming this account is mine. This is not my account that I am listing below, I have not authorized any accounts to be opened with this bank. I am not a member of the military and I AM a victim of identity theft my wallet was stolen, my mail was forwarded and my email address was hacked. I want this corrected promptly and removed from my credit report, as I did not receive any funds from this and this account was not authorized. It was opened from a thief using my stolen identity. 

Fraudulent Account # - XXXX Balance {$15000.00} Opened XX/XX/2018, My Fraud alert was placed on my file on XX/XX/2018, Therefore again It's obvious I am a victim of identity theft. My Affidavit is below and attached to this complaint. Please remove the inaccurately reporting account that you are listing as paid {$0.00} for payments as well as 3 past due payments, all are which inaccurate because I don't bank or have business with USAA. This was a fraudster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: SC

Complaint narrative:
PLEASE PROVIDE ME WILL FULL ACCURATE REASONS AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX WHICH LOOKS LIKE A CHARGE OFF FROM 2007, IS STILL REPORTING ON ALL THREE OF MY CREDIT REPORTS? THIS IS NOT FAIR THAT NO ONE HAS A GIVEN ME A REASON AS TO WHY THIS ACCOUNT REMAINS ON HERE. I REALIZED AFTER SEVERAL ATTEMPTS AT DISPUTING THIS ACCOUNT NOTHING HAS BEEN DONE ABOUT THIS MATTER. NOTHING HAS CHANGED AND I NEED TO GET THIS NEGATIVE ACCOUNT REMOVED FROM MY CREDIT REPORT, I HAVE GOALS I NEED AND WANT TO ACHIEVE AND THIS IS REALLY HOLDING ME BACK.

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