vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/2019 I accidentally purchased tickets for a show at XXXX via a third party website with no affiliation with the show venue or promoter called XXXX. 

These tickets were to be willcall at the XXXX box office for the day of the show, and I had paid {$340.00} for the tickets to this third party. This would not have been an issue for me if the tickets were willcall as expected. 

When I got to the box office at the show, there were no tickets waiting in willcall at the box office. Dismayed I asked the attendant to look again who happened to ask for our email receipt to pull up the tickets. We pulled up the email and showed the attendant the receipt who informed us that they did not have a relationship with that company and to dispute the transaction with the payment issuer. We then had to purchase 4 more tickets for {$110.00} with tax. 

Fortunately for me I thought, I bought the tickets through PayPal so I could dispute it then and there. So while I was at my evening of XXXX XXXX and XXXX XXXX, I logged into PayPal on my phone through a web browser and disputed the transaction. Paypal 's dispute module does not let you upload supporting documentation after the fact to find out, so the only thing they had to go by was the statement I put in the dispute where I happened to mention the price difference ( which in MA is an illegal markup ). 

PayPal took until XX/XX/XXXX to review and deny my claim in a matter of 6 minutes with no explanation. When I called PayPal to find out why the representative told me that I was uneligible for the fraud dispute because I mentioned the price disparity and seller claims the tickets were delivered. 

I offered to provide to PayPal my supporting documentation which included the purchase of replacement tickets, the sworn affadavit from the venue about the fraud, and the original email about willcall tickets. 

The representative at PayPal refused to let me email or provide the documentation, and only was able to reopen the ticket. As stated before, PayPal doesn't let customers add to tickets when documentation is available after the fact, but I figured this time they may reach out to me for it again. 

Today at XXXX outside of Paypal 's calling hours I received yet another denial notice about my claim with no additional request for documentation. 

At this point I think there is no further recourse between PayPal and myself short of small claims court. And I would really like to avoid having to miss work and be out more money to get my money back. Paypal 's fraud protection service did not work as advertised and is not fair to customers who use their service. 

PayPal transaction # XXXX PayPal claim ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Credit reports are showing blank when lenders attempt an inquiry. 

I am a military veteran returning home after my final tour overseas. Despite having fair credit, no debt and outstanding debt-to-income ratios, applications have been rejected for VA home loan pre-approval because lenders only see a blank credit report ( XX/XX/2019, XX/XX/2019 and XXXX XX/XX/2019 ). I can only assume that there is a " lock '' or " freeze '' on my accounts ( which I have NEVER requested ), as numerous attempts to contact XXXX, XXXX and Trans-Union via their on-line and telephone contacts have only resulted in requests to physically mail copies of my personally-identifiable information. 

On or about XX/XX/2019, I mailed copies of the requested identifiers to these three companies along with a hand-written note requesting the REMOVAL of any and all credit locks, freezes, fraud-alerts or holds that may be affecting these lenders ability to view my lengthy credit history, which resulted in two post-card responses from XXXX   and Trans-Union requesting that I physically mail certain identifiers to communicate with them. Now, my credit report shows the " requested '' fraud-alert and security freeze that I NEVER requested from XXXX and XXXX ( Trans-Union 's note area show no remarks ).

This entire charade is made even more difficult because as an over-seas returnee, all of my household goods ( printed records ) are boxed up and awaiting a residence to be delivered to, and my DoD-mandated overseas banking institution has deleted my account as required ( digital records ), so I can not easily prove any payment history to anyone. I am now homeless with my wife and XXXX XXXX children, despite having a military retirement pension and a good paying job. Thankfully, my elderly father has allowed us to stay with him. 

Please assist in " penetrating the bureaucracy '' with these megalith corporations which make contact a federal affair. 

Thank you, XXXX  XXXX 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 2019-09-27 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: VA

Complaint narrative:
Credit reports are showing blank when lenders attempt an inquiry. 

I am a military veteran returning home after my final tour overseas. Despite having fair credit, no debt and outstanding debt-to-income ratios, applications have been rejected for VA home loan pre-approval because lenders only see a blank credit report ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ). I can only assume that there is a " lock '' or " freeze '' on my accounts ( which I have NEVER requested ), as numerous attempts to contact Equifax, XXXX and XXXX via their on-line and telephone contacts have only resulted in requests to physically mail copies of my personally-identifiable information. 

On or about XX/XX/2019, I mailed copies of the requested identifiers to these three companies along with a hand-written note requesting the REMOVAL of any and all credit locks, freezes, fraud-alerts or holds that may be affecting these lenders ability to view my lengthy credit history, which resulted in two post-card responses from XXXX   and XXXX requesting that I physically mail certain identifiers to communicate with them. Now, my credit report shows the " requested '' fraud-alert and security freeze that XXXX NEVER requested from XXXX and Equifax ( XXXX 's note area show no remarks ).

This entire charade is made even more difficult because as an over-seas returnee, all of my household goods ( printed records ) are boxed up and awaiting a residence to be delivered to, and my DoD-mandated overseas banking institution has deleted my account as required ( digital records ), so I can not easily prove any payment history to anyone. I am now homeless with my wife and XXXX XXXX children, despite having a military retirement pension and a good paying job. Thankfully, my elderly father has allowed us to stay with him. 

Please assist in " penetrating the bureaucracy '' with these megalith corporations which make contact a federal affair. 

Thank you, XXXX XXXXXXXX XXXX, XXXX ( XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
The same collection agency with a new name is trying to collect on an unfair debt! Pages from the original debtors which includes a lease agreement has been removed and the amounts have been abnormally inflated. XXXX XXXX is where the unrealistic amounts originated, then sold to NCC ( debt collections agency that called me multiple times daily ). The same company ( NCC ) has sold the debt to itself by adding it to their new name Transworld collections. The debt is still unknown, unfair, unauthorized, unverifiable and non-validated. I have proof of the original amounts that would have been charged if the debt was valid. The company removed the paper from my file ; but I kept mine and the proof will show below along with emails, dates that prove unfair late fees and trumped up charges have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
I applied for two personal loans for my educational expenses while enrolled at XXXX University. This loan was applied through XXXX. This loan is managed through American Education Services. One loan was dispersed XX/XX/XXXX the loan amount was {$4000.00}. As of XX/XX/XXXX I have paid {$2600.00}. According to American Education Services this loan as of XX/XX/XXXX the total due is {$3400.00}. 

I have written letters asking for clarification regarding the balance and lack of regular statements. 
I have written letters on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is not a complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are fraud items on my credit report that need to be removed. Ive tried contacting the creditor that these are not my items with no luck. The first Collection is XXXX XXXX XXXX ACCT : XXXX. Ive never opened a XXXX account under my name. Someone is using my information as fraud ever since this credit breach. 

The second account is XXXX XXXX ACCT XXXX, Ive never had an account or visited XXXX XXXX. Not only is this a breach of contract releasing records but FALSE records at that. Someone is using my name and my information and a freeze needs to be on my account

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 2019-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Enterprise Systems, Inc.
State: SC

Complaint narrative:
Called looking for me. I said it wasn't me and she huffed and told me to " cut the XXXX know it's you ''. She didn't identify herself and when I asked who was calling she said " I've told you one XXXX time I can't give that information. '' She also called my dad and yelled at him looking for me. 
When I call the number back it answers as National Enterprise Systems but I don't know who that is or what they want.

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 2019-09-27 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: FL

Complaint narrative:
There are fraud items on my credit report that need to be removed. Ive tried contacting the creditor that these are not my items with no luck. The first Collection is XXXX XXXX XXXX ACCT : XXXX. Ive never opened a XXXX account under my name. Someone is using my information as fraud ever since this credit breach. 

The second account is XXXX  XXXX ACCT XXXX, Ive never had an account or visited XXXX  XXXX. Not only is this a breach of contract releasing records but FALSE records at that. Someone is using my name and my information and a freeze needs to be on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I was told that I was approved for an loan with LendingClub. I submitted my documents multiple times to them they said needed my bank statements ; I informed the reps that my account just got hacked so I had to open another account.I called over 70 times was told something different everytime which was very confusing. 
I went to my bank waited for over an hour to get bank reference letter which did not have any bearing on the approval.Lending Club had my income documents for an whole week if they were not going to approve why keep leading me on as if I was. When called in final time I told them was contacting the CFPB they sent me a denial letter 30 minutes later. I was speaking to an manager says going to call me back to followup because their was something wrong with the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
ability recovery services has opened charges previously diemissed by credit bureau

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 2019-09-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on the file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that have been disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This company called one day out of the blue, asking about an old utility bill for the city of XXXX XXXX. I had not lived in XXXX XXXX for 18 months and had no knowledge of this debt. I told the women that account was closed in good standing years ago with a deposit refunded and everything. The lady and I kept going back and forth and I kept saying it couldn't be my debt, could you send me paperwork so I could review the dates because havent lived there! She asked if I ever lived at the address in dispute. I answered yes. She immediately hung up and it was placed on my credit report. I never saw proof of debt or even a bill. This company broke the rules by not providing any paperwork with said debt and immediately attached it to my credit report even after I said it couldn't be my debt because I havent lived there since 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
I have been with Lakeview Loan Servicing/XXXX XXXX XXXX XXXX ( hereafter referred to as " XXXX '' ). Mortgage for three years. I recently made the decision to refinance and thus change mortgage companies and homeowner 's insurance companies. XXXX is responsible for paying my homeowner 's insurance from my escrow account and has done so without issue in the past. Recently, they allowed my insurance policy to lapse for non-payment. The company was notified of the pending cancellation via letter from XXXX XXXX. Prior to this happening, I had called to notify them of the change of insurance companies and provided them with the necessary information to continue making payments. It was only once I received notification from the new insurance company ( XXXX XXXX ) and the refinance company ( XXXX XXXX ) that I was made aware that the policy had not been paid. Not only was this holding up my refinance but the policy was due for cancellation. I immediately contacted the insurance company and was told that the payment needed to be sent overnight. I contacted XXXX and was assured that the payment would be sent via overnight. Days later, I was notified by XXXX XXXX that the policy had still not been paid. I called XXXX again and was told that the payment had in fact not been sent because the representative I had spoken to did not provide " adequate documentation '' when making the requests for payment. Instead of XXXX notifying me that they payment was not paid, they simply ignored it and allowed my policy to lapse ( unbeknownst to me ). 
While this may appear to be simply a careless mistake, I am convinced that since I had made a decision to go with a different mortgage company, XXXX maliciously and intentionally neglected to pay my homeowner 's insurance. I am requesting that this incident 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 2019-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I have my direct deposit going through cash app and I still have not received it my job a has sent it but it is no where to be found. My last direct deposit posted no problem but this one is no where to be found. I have no way of contacting cash app to see where my direct deposit is and it is wrong that I can not locate my money to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: DC

Complaint narrative:
The following complaint was filled with the CFPB on XX/XX/2019. In response to the complaint Equifax responded on XX/XX/2019 pledging to investigate the complaint and responding in 30 days. Since it has been over 30 days and the company has not responded to the complaint, the all the items must be immediately removed from my credit report. 

Similarly, a letter was received from XXXX  dated XX/XX/2019 pledging to investigate the items disputed and responded in 30 days. It has been well over 30 days and neither a response nor has the items been removed from my credit file. 

Letters was sent to Equifax, XXXX and, XXXX on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded XXXX that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, XXXX has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: FL

Complaint narrative:
XXXX XXXX XXXX has opened charges previously diemissed by credit bureau

Company response to consumer: Closed with explanation