vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Money was sent to trustworthy individual via PayPal from funds in my bank account for a collectible pocket knife ( aka legal acceptable item according to PayPal and USG ) funds were withdrawn by PayPal immediately however received this message : Transaction Details Error Message Regulations require us to take a closer look at some transactions. Your payment is temporarily pending while we review it. 



Payment Sent ( Unique Transaction ID # XXXX ) Original Transaction Date Type Status Details Amount XXXX XXXX, XXXX Payment For XXXX XXXX XXXX Pending ... - {$500.00} USD Related Transaction Date Type Status Details Amount XXXX XXXX, XXXX Add Funds from a Bank Account CompletedYour transfer from your bank account to your PayPal account  is complete.Your transfer from your bank account to your PayPal account is complete. Details {$500.00} USD Business Name : XXXX XXXX XXXX XXXX The recipient of this payment is Verified ) Email : XXXXXXXXXXXX Payment sent to : XXXXXXXXXXXX Payment amount : ( in currency funded ) - {$500.00} USD Your fees : {$0.00} USD Your total charge : - {$500.00} USD Payment amount : - {$500.00} USD XXXX XXXX XXXX 's fees : {$0.00} USD XXXX XXXX XXXX receives : {$500.00} USD Note : The fees for this transaction are estimated, the actual amounts may be different after your recipient accepts the payment Date : XXXX XXXX, XXXX Time : XXXX PST Status : Pending Funds will be available to your recipient on or before : Our regulatory review may affect the date your money becomes available. 

Subject : You have sent {$500.00} USD to XXXX XXXX XXXX with PayPal Note : XXXX XXXX Funding Type : Instant Transfer Funding Source : {$500.00} USD XXXX XXXX XXXX XXXX XXXX XXXX ( Confirmed ) XXXX Back Up Funding Source : XXXX Credit Card XXXX The option to cancel this payment is no longer available. 

If you are n't satisfied with the service that PayPal 's provided you, you can contact these agencies : Consumer Financial Protection Bureau XXXX or XXXX ( TTY/TDD ) XXXX PayPal is withholding funds from my friend XXXX XXXX for no reason and has no means of being contacted. This is unacceptable. Thanks for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
The loans being reported are past the statutes of limitations. They are between XX/XX/XXXX and XX/XX/XXXX and should no longer be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The loans being reported are past the statutes of limitations. They are between XX/XX/XXXX and XX/XX/XXXX and should no longer be reported on my credit 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 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The loans being reported are past the statutes of limitations. They are between XX/XX/XXXX and XX/XX/XXXX and should no longer be reported on my credit 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 2017-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
I got a letter from XXXX XXXX in The state of XXXX. Who bought my old credit card debt from XXXX XXXX . The debt is not even on my credit report anymore. They said I owe over {$5000.00} and want me to pay the whole amount or will do a judgement against me. The debt I did have with XXXX XXXX but the debt is 9 years or older.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Every time I try to get my annual credit report online, I some how get a " technical error '' and have to mail in the forms. There is no way all 3 bureaus have an issue. They are  making it harder for me to get my information. This is frustrating, against the law and I wo n't stand for it.

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 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please be advised I had a State of Georgia Tax lien many years ago and it has been paid in full! It was placed on my credit report back in XX/XX/XXXX! It is now XX/XX/XXXX and they still continue to report it! I have disputed it many times and they  continue to say it is accurate and it is time for it to be removed! Equifax is not verifying the data as they should they rely on some company who actually just keeps inaccurate records and they come back and say it was verified! How, when a court does not even report information to the bureau! The practice they use are not only unfair but I am sure illegal and surely unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I am trying to make a transfer from a Bitcoin 'Vault ' to a Bitcoin Wallet. The transaction is not allowed to go through, as it says there is another transaction in progress. 

The problem is that it is impossible to be any other transaction in progress. Any 'Vault ' transaction should automatically cancel after 48 hours ( as per their security rules ). The last time I made a transaction was in XX/XX/XXXX ( now XX/XX/XXXX ), hence, should be nothing currently in progress. 

I have contacted support, several times, and since XX/XX/XXXX they have stopped responding to my messages. The problem still continues ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Nelnet keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at Nelnet my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as Nelnet is  doing illegal collecting and reporting porting practices to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After notifying the bank of fraudulent activity on my account after I noticed that three transactions I did not complete were debited, the bank only refunded two of the three fraudulent activities. I have opened three claims with the company and they were closed after not refunding me the third transaction in the amount of {$150.00}. There has been no explanation of the reasoning for closing the third claim for the third transaction iao {$150.00}. The first claim was supposed to include all three transactions but the representative neglected to include the third ( pending at the time ) amount so the second claim had to be opened. The bank says that I answered one of the questions incorrectly so that disqualified me from a reimbursement of stolen money. After speaking to a manger he told me that the transactions were all made online from different areas so based on that information he would open an additional claim. I have now received written notification that they are closing that claim without refunding me the third fraudulent transaction iao {$150.00}. The bank does not seem to care that {$150.00} is a lot of money for me to be missing and as a consumer who has trusted them with the care of my money I will be closing my account due to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
On XXXX XXXX 2017 I contacted this company in regards to a debt in which I hold no contract with which resulted in damages to my credit report and future finances. Immediately when I noticed the alleged debt on my credit report I turn to the company to resolve this yet my request has been denied to remove all negative information from my credit report. This company holds no original contract to prove that the amount owed belongs to me. All correspondence from the company are n't sufficient enough at all I received was photocopied information that does not prove nor deemed that I am liable for this debt. As stated before I demand that this company remove all negative information reporting against my SSN immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: FL

Complaint narrative:
Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies Equifax, XXXX , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I send a letter to Experian stating I was disputing a Bankruptcy on my record. I was told that the information was verified and I was denied any proof when I requested to have it sent to me. 
I have attached the results of an investigation by the " third party '' that Experian uses to verify. This letter clearly states that there is no bankruptcy on my record. 

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.  Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 
I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.

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 2017-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
On or about XX/XX/XXXX, the servicer for collection of my mortgage payment with XXXX XXXX XXXX was changed from XXXX XXXX to LoanCare. On XX/XX/XXXX, I submitted a request that they take the payment from my checking account automatically ( as it had been with XXXX ). By XX/XX/XXXX, the payment had not been taken out of my account, so I contacted them, as I had also received a bill for my property taxes and was not sure that they were going to pay it. They said that they had not received the authorization in enough time to take out the payment and that the automatic payments would not begin until XX/XX/XXXX. On XX/XX/XXXX, I went into their payment by phone option and made a payment. They took out the payment by phone and the automatic transaction - taking out 2 payments. This put my checking account at - {$840.00} - I contacted them and they hung up on me ( I admit I was very distraught that they had done this to my account as I had other transactions that were going to be hitting as well ). My bank charged me {$36.00} for overdraft feel. My employer advanced me {$1000.00} to cover the amounts that were scheduled to come out of my account. On XX/XX/XXXX, I  emailed a letter IMMEDIATELY REVOKING their authorization to take the money from my account. On XX/XX/XXXX, they withdrew {$950.00} for the mortgage payment. I had written a check to my employer repaying the {$1000.00} loan from XX/XX/XXXX. I have been hung up on so I can not bring myself to contact them. I request that the unauthorized XX/XX/XXXX payment be refunded to my checking account. I also request that they repay me the {$36.00} overdraft fee that I was charged by my bank. I am a single income homeowner and have to be very careful with my finances and this has brought me to the point that I am having panic attacks. I am also unable to properly function at my job.

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 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at XXXX my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as XXXX is doing illegal collecting and reporting porting practices to all three credit 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 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at XXXX my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as XXXX is doing illegal collecting and reporting porting practices to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at XXXX my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as XXXX is doing illegal collecting and reporting porting practices to all three credit 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