vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Portfolio Group LLC
State: SC

Complaint narrative:
I actually have two issues, but the site would only let me select one. So along with the repeated phone calls they also used language that was perceived as threatening. This phone number has called me 33 times between XXXX and XXXX which is definitely in line with harassment. Their number comes up as a potential scam number on my phone, so I have not been answering. I finally decided to call back. The agent identified himself, but not the company he worked for and asked for my name. I did not give him my name because my phone has said this is a potential scam caller. After some back and forth he said word for word that " I was screwing myself by not listening to him and this could mess up a lot of things for me ''. I have this whole call recorded. He hung up on me and I called back and explained to the new agent what happened. He removed my number from the call list, but that still doesn't excuse the way the first agent talked to me. His words were very much perceived as a threat.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I redeemed Citi XXXX Rewards points for 2 Home Depot gift cards, {$50.00} and {$100.00}, on XX/XX/XXXX. I expected cards to be emailed to me just like the one I ordered a couple of months before this, but instead they were mailed, and mailed to an old address ( I moved from there over 2 years ago, and, of course, I had my address changed with all my financial institutions ). I have contacted Customer service via Chat around XX/XX/XXXX, and the order was cancelled. I have received 2 emails from Citi Tnak You Rewards on XX/XX/XXXX, stating " Your return request has been approved '', for both cards. However, my point balance did not reflect it. 
I went on Customer Service Chat again ( twice ), trying to find out what's going on. Both times I was just lied to with no resolution of the issue. Eventually, I was told I need to call and speak with a Senior Customer Service rep. Interestingly enough, the number listed on Web Site as primary Customer Service number is a spam number!!! After a long series of spam offers you will be told this number has been disconnected! So here 's the number I got after all : XXXX. I did call on Friday, XX/XX/XXXX, and after a very long time on the phone I was reassured my point would be back on my account by Monday, XX/XX/XXXX. 
Today, XX/XX/XXXX, I checked my account and found out that XXXX points are still missing. I called again, and this time I was told that yet another dispute had to be opened today, and I have to wait for another month to hear from them!!! 
I don't believe this is right, and I am asking you to step into this situation and, please, help me to get my points back on my account. 
Thank you very much for your time and care

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 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: NY

Complaint narrative:
I received 2 notices in the mail to pay a toll violation debt. I know it is fake because the license plate is obsolete, all violations have been paid, and I have an EZ PASS prepaid toll pass. The letterhead is in XXXX but the mailing address is XXXX Their website is designed only for payments and nothing else. When I searched for this violation on the XXXX state toll website, there were no matching records for this license plate, violation number, or reference number. I think this is a scam firm trying to collect fake debts from gullible people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: CA

Complaint narrative:
I have had an account with PayPal for many years. More than a decade, if I recall correctly. 

My PayPal account is linked to a checking account that PayPal draws from. 

I currently have a balance of approximately {$10000.00} in my PayPal account. 

Three days ago, I attempted to transfer {$9800.00} from my account to the linked checking account. The transfer was denied. I then attempted to transfer funds to another linked checking account, also denied. I attempted to transfer funds to each of three linked debit cards, all of which were also denied. 

I repeated these efforts on the following days. 

Today I called PayPal and was told that there is an unspecified security hold on my account, as a result of which I am not allowed to transfer my own money out of it, ever, to any of the bank accounts that are linked to it. I can only use it to buy things on PayPal, send money to others, or withdraw cash at ATMs up to a limit of $ XXXX a day ( and subject to the {$3.00} transaction charge imposed by ATMs ). Thus, what should be an instant online transfer will take me 20 separate trips to the ATM and cost me {$60.00} in ATM transaction fees over the next ten days. 

PayPal will not give any reason why it will not allow me to transfer money out of my PayPal account, and tells me that there is no solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: DE

Complaint narrative:
Disputed through XXXX, Debt was removed by the investigations findings. 
State Collections added it right back a few days later. 
Disputed through XXXX. Same thing deleted from account and the collection agency added it right back. 
I did follow up with each, deleted by both credit reporting agencies and added back a few days later. 
My reason for the dispute is because I was never notified of a collection company. I found it by checking my credit report. Through the dispute I found it to be hospital bills for several XXXX and hospital stay for XXXX 2 days. 
Then disputed the amount claimed by collections that I owed. 

The dispute was for the collections amount of {$1200.00}. Last reported XX/XX/2019 Then the same collections company added another collection for {$1100.00} Last reported XXXX XXXX same date. 
Now State Collection Service says I owe them a total of {$2400.00} I have been paying XXXX, the hospital regularly every month and the balance owed is {$900.00} not the {$2400.00}. Apparently the collection service is going to try to get me to pay them a second time for the hospital services. 
XXXX hospital refuses to tell me rather they sold my account to State Collection service. XXXX told us back when we started making payments that they dont send out statements after 90 days. So my wife kept track of what she paid leaving todays balance of {$900.00}. When I found out there was collections reported I called the Hospital to ask if they sold the account to State collections or if state was acting as a collection resource on their behalf. The Hospital refused to answer that question which makes me even more nervous because I might have to pay the same bill twice. We used checks to pay them so proof of payments can be gotten from the bank. The amount starting was {$2900.00}. The difference is the payments we made to XXXX in the 90 days before they sent the balance to State collections. The hospital said that the turn all bills owed after 90 days to collections. They said they sent a contract for payments to be made monthly which we never received. But, we made payments because we knew we owed them even without statements. As my credit report shows all of my other payments for car loans, credit cards etc. are marked monthly as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Madison Management Services, LLC
State: PA

Complaint narrative:
Loan was transferred XXXX ( SEE PROOF ) was behind, mortgage statement showed {$970.00} as you can see then {$2000.00} which is correct mortgage, said was {$8000.00} behind i paid it! IVE BEEN ASKING FOR PROOF OF PAYMENT HISTORY, PRIOR AND NOW WITH NEW SERVICER and all i get is a statement THATS NOT WHAT I NEED! I didnt mess up the transfer now there is a sale and want a huge down payment knowing i only owe $ XXXX and house worth $ XXXX. Need to modify loan and i am trying to get another hard money loan but need time and NEED PROOF OF ORGINAL NOTE, PAYMENT HISTORY NOT STATEMENTS! Know am behind but when servicer sends INCORRECT MORTGAGE STATEMENT then WANTS TO FORECLOSE is ILLEGAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: NJ

Complaint narrative:
I never had these insurance companies. I was a victim of identity fraud and it was documented. This company CCS Collections has placed 2 accounts in collection. No notice via phone, email or mail to my home. I never had these insurance carriers. I also never got any calls or emails like I previouslt stated. How can this be placed in collections without validity? That's against the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was directed by the office of the Comptroller of the currency to file a claim with your department the case that was with that office # XXXX. 

To whom it may concern my account was closed back in XX/XX/2019 with Wells Fargo bank. On XX/XX/2019 a refund went via my old debit card with Wells Fargo for {$2500.00} from merchant XXXX I informed the merchant that no longer had a account with Wells Fargo I was instructed the payment had to go back to that card. At the time I contact Wells Fargo multiple times XX/XX/XXXX to XX/XX/2019 in the beginning Wells Fargo informed me anytime the account is closed more than 30 days anything trying to come in or out of the account will be blocked. On XX/XX/2019 the payment came in Wells Fargo fraud department and was blocked on XX/XX/2019 it was picked up by Wells Fargo collections department. At the time of closure in XX/XX/2019 there were a few claims that I open regarding the negative balance with Wells Fargo I never received the proper resolution pertaining to those claims so they were re-open. I received a letter dated XX/XX/2019 Dear XXXX XXXX, we completed our research of the Inquiry about charges of {$2500.00} on your account. Based on the information available to us we have to determined the transaction was authorized or that a processing error did not occur. Please consider claim close. 
Their decision is Vague and untrue. It not Concerning Charges it base on a merchant refund to a close 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 2019-10-16 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: CA

Complaint narrative:
XXXX AND XXXX HAS ALREADY BLOCK FRADULENT ACCOUNTS FROM MY CREDIT REPORT. EQUIFAX HAS NOT YET HONOR MY IDENTITY THEFT. I LOST MY INFO IN XXXX MO, XXXX, XXXX, AND EQUIFAX BREACHES. THIS IS BREAKING MY LIFE APART. 

FRADULENT ACCOUNT ARE XXXX XXXX XXXXXXXXXXXXXXXXX XXXX $ XXXX XXXX XXXX XXXXXXXXXXXXXXXX XXXX $ XXXX XXXX XXXX  XXXXXXXXXXXXX XXXX  $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT**** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT**** )

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 2019-10-16 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing this complaint due to the non-compliance of XXXX credit reporting agency to remove an account that does not exist. they have failed to remove information being falsely reported SYNCB/AMAZON PLCC, XXXX XXXX, XXXX Fl.XXXX ( XXXX ) XXXX I do not have and never had an account with this company. I have placed several calls to this co. requesting they remove this inaccurate reporting. when I call they have no record of any account number associated with my name. I have never applied for an account. 
On XX/XX/19 I talked to a service rep named XXXX. XXXX started a fraud file that would take 30 days to complete. On XX/XX/19 30 days latter, I talked to another rep. named XXXX, she said it takes 60 days to complete the investigation. On XX/XX/19 I requested a supervisor named XXXX, she said she needed to start a new file, and does not know how long it will take.iam asking CFPB to please investigate this matter, help me to remove this bogus inquiry and provide me with an updated XXXX credit report. thank you

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 2019-10-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have sent certified letters to all 3 credit bureaus, XXXX, Experian and XXXX about these accounts they are reporting inaccurately on my credit report. They previously " investigated '' my disputes on these accounts and say that they found they we're mine & we're being reported accurately. I asked in the certified letter for them to send me any and all methods of verification to prove that these accounts are mine and accurate as they say they are or my credit report. Including a signed contract in ink with my signature and legal forms of my identification. I have not received a correct response from either of these credit bureaus in the time frame allowed. They did not send me methods of verification at all. XXXX XXXX claimed they just reinvestigated, the same as before and sent me the same exact investigation report from the prior dispute. XXXX & Experian have not responded at all to my certified request. It has been long passed 30 days. The accounts are XXXX XXXX XXXX credit card & XXXX Visa Credit card.

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 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I co-signed a Mortgage Note with XXXX XXXX for a home at XXXX XXXX  XXXX XXXX, XXXX XXXX   FL, XXXX. 
After some time, in XXXX XXXX, we agreed that I release interest in the property and signed a Quit Claim deed specifying her as the sole name on title. In XX/XX/XXXX XXXX XXXX Applied for a Loan Modification claiming she was experiencing financial hardship. The Loan modification was granted and my name was included on the Modification agreement. I did not sign the agreement, and was against granting the agreement as I was not in financial hardship. I wrote XXXX XXXX at the time to inform them of my disagreement but the LM was granted anyway, with my name still on the Note. I have requested my name be removed from the LM as I was a victim of Identity theft, as XXXX fraudulently supplied XXXX with financial information about me that was false. I have reported this to the appropriate Police agency and Identitytheft.gov. XXXX subsequently sold the Note to Select Portfolio Services. They were informed of the identity theft but refuse to remove my name from the Note. As an aside, all three Credit bureaus have removed the Loan from my credit report. I still feel subject to XXXX failing to keep account of the note and damaging my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: Navient Solutions, LLC.
State: NM

Complaint narrative:
I have one student loan account it is in good standing I talk to Navient On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
in XX/XX/2019 I took a title loan out. Agreed was {$1000.00} pay in return {$1100.00}. He wrote down how the payments would be for the 1st 5 month. The first would been {$160.00} and then each month {$130.00} every month on the XXXX XXXX. I paid in XXXX {$170.00} in XXXX XXXX in XXXX {$140.00} in XXXX {$140.00} and XXXX {$150.00} always before or the XXXX XXXX of each month so on time. When I made my payment in XXXX the lady told me I dont have to come in I can pay it over app which I did. In XXXX I called and told them I was suspended due to medical condition and been suspended since the XX/XX/XXXX with no pay. And no unemployment, I had a hearing about it yesterday. So my daughter and I which is a minor we live of {$300.00} child support, however I never missed a payment. When I went in on the XXXX this month the guy wanted the {$150.00} I paid plus a additional {$220.00} which is more then the remainder balance of {$360.00}. And on top he wants to refinance a new loan of {$750.00} which I told him I wound due. All I got is the {$150.00} I pay {$730.00} and I will pay the remainder in monthly rates until paid in full. He wrote everything on a sticky note I got a flyer nowhere stated I had to take a other loan. Besides I am from. Forgin country and English is not my first language. He told me this is how they make money. Well I am sick I was suspended with no pay even so released to work. I wait on the result of the unemployment hearing so in the mean time I only have {$300.00} which is child support. However I was never late. And being treated like this because I am a forgin resident is discriminated. I had a witness with me and it was never stated this is how they work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo removed and withheld at least 11 months of what was originally intended and agreed to be prepaid monthly interest and principle taken by automatic payment from my bank account. The monies were applied toward advance monthly payments contrary to the intention to pay down the mortgage principle and interest. 
The monies applied to advance payment were based on a bimonthly increase above the regular XXXX. This bi-weekly payment was an increase of XXXX each bi-weekly payment. 

Due to the calendar variation, there were some months three bi-weekly payments were made in one month. 

I discovered this on XXXX when I received a letter from WF advising that my automatic payments can only pay your account ahead by one payment. I was confused and telephoned that day and was on the phone for about three hours. In that time three times the telephone call dropped and I thought it was my telephone service. Three agents advised me that my account was prepaid 11 months but also all three assured me that the principle had been paid. Each time I insisted that it was not possible that my money could show in both ledgers. Each time I advised that I never authorized advance payment of my mortgage. Each time I was told to hold on. As I listened to music, each time, the phone call dropped, hence three agents before reaching a supervisor, XXXX and finally, XXXX from the executive office. XXXX informed me that advance payments of three months could be applied and that anything in excess of that is returned to Wells Fargo investors. Both identified 11 months advance payments. XXXX agreed to open a dispute. She advised that I would receive a call on XXXX and provided number XXXX as a reference dispute number. 

I have not yet heard from their office.

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 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Weber & Olcese, PLC
State: TN

Complaint narrative:
received frequent calls. I told them the debt was settle out of court by their lawyer and that they need to contact their lawyers. they still call my home and they file a false report with credit bureau saying the account was delinquent. i have proof the account is up to date in payments. the payments are made directly to their lawyer as agreed upon.

Company response to consumer: Closed with explanation