vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Approximately, XX/XX/2019 I received a wire transfer via another PayPal member. After trying to withdraw those I was told there was an " issue '' with my account and I needed to be verified. Over the course of three days I've been on hold with this company for over 4 hours with the reps telling me to " call back tomorrow ''. I've verified who I am through several transactions, account history in addition to credit report inquiries. Still, I'm told " there's something wrong ... you're going to have to call back tomorrow ''. Each day the wait to speak to a live representative gets longer and longer in addition to the {$100.00} my friend has wired me the balance is now {$96.00}. I've asked them to just close the accounts and mail the balance, again, " call back tomorrow ''. This is unacceptable ( especially for someone that's almost XXXX months behind on their mortgage due to the government shutdown. This friend was just trying to help and send what he had ... this has now turned into a nightmare ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
NAVY FEDERAL WOULD REPEATED CALL ME AND CALL ME MAM NUMEROUS TIMES. THEY WOULD FREEZE MY ACCOUNT. THEY ARE XXXX, XXXX, AND XXXX. I CAN NO LONGER CALL THEM TO RESOLVE PROBLEMS. THEY CALLEDTHE POLICE ON ME NUMEROUS TIMES. THEY FROZE MY ACCOUNTS WHILE I WAS IN XXXX AND XXXX.I HAD NO ACCESS TO FUNDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Bureau of America Ltd.
State: PA

Complaint narrative:
I XXXX XXXX XXXX was never contacted by XXXX XXXX XXXX they took XXXX dollars of my things that were in storage 6 years ago never sent me anything for six years it just appeared on my credit report without calling me or to notify me by mail they have my phone number they be never sent me a bill or anything thing this could have been made wright if I new that they wanted money and the fact that they are big lieyers in what they are saying they took XXXX dollars such as a brand new dinette set a XXXX stereo system a 1 year leather living room set a XXXX inch flat screen TV and sold it never sending me a bill of sale they just stole my furniture and then want me to pay them 6 years later how can they try to collect something without notice and about now being 7years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/XXXX I sent 2 letters to XXXX XXXX  in Pennsylvania requesting removal of XXXX late payments they recorded, XXXX for each account, reported at the beginning of my payment plan. My XXXX had gotten XXXX in XX/XX/XXXX and required my full-time care. I explained that after she XXXX XXXX in XX/XX/XXXX, I have made on-time payments ever since. They denied my request on XX/XX/XXXX. All 3 credit bureaus still show me as having XXXX late payments which disqualifies me from work, housing, loans & any other simple background check. It has caused irreparable harm to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery continues to call me at home, work, and on my cell. They are calling about 25 times a day from random numbers. The company is already in trouble for their collection practices. I would like to join the lawsuit against them. I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Portfolio Recovery asking them to provide me with data to prove that this is my account. I have asked them to provide the following : Competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay you what you say I owe. 
Identify the original creditor with name and address. 
Prove the Statute of Limitations has not expired on this account. 

The only proof they have sent are credit card statements from years ago. Portfolio Recovery bears the Burden Of Proof and the information they continue to send me does not provide evidence of the claims they have made against me. This is not my account, please delete this account. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Recoveries, Inc.
State: AZ

Complaint narrative:
I received a letter in the mail on the XX/XX/2019 it is  dated XX/XX/2019 and it's in regards to a defaulted student loan or Grant overpayment held by the US department of education is from the national recovery corporation I called when we received the letter and Ispoke to a gentleman who told me I needed to make a payment now if I did not make it a payment or I felt that it was not mine that I needed to file a dispute within 75 days or they were going to take my taxes. within that week less than 7 days my federal taxes were taken within the 7 days of that time frame I did get ahold of XXXX XXXX  and XXXX   and I filed that identity theft. They inform me " XXXX  '' that this collection company that they are not a borrower they are not a legitimate company National Recoveries that they're not a legitimate company they don't have them as one. So I went to my tax accountant he told me that I needed to call or go online to you guys to get this disputed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I just missed one payment and CITI SEARS has called me from XXXX on XX/XX/19 SUNDAY 4 times SO FAR.

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 2019-02-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On our XX/XX/XXXX Bank of America mortgage statement, the fixed principal balance is {$190000.00} Original BofA balloon mortgage was opened in XX/XX/XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XX/XX/XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XX/XX/XXXXXXXX transferred/sold the account back to Bank of America BofA has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with Bank of America Office of the President, CFPB and all three Credit Bureau with no success.

Errors include, but not limited to : Bank of America ( website/statement ) Opened XX/XX/XXXX Original balance XXXX  Current Balance XXXX  Current interest rate XXXX  Transferred to XXXX XX/XX/XXXX XXXX Credit Report Bank of America- Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX BalanceXX/XX/XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit XXXX  Months reviewed 99 Balloon payment {$180000.00} Bank of America -closed Date open XX/XX/XXXX Date closed XX/XX/XXXXBalance {$0.00} High credit XX/XX/XXXX Months reviewed 12 Date ReportedXX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX  ( Closed ) Date opened " XX/XX/XXXXDate Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) XXXX-Credit Report Bank of America ( Open ) Date opened XX/XX/XXXX Date of updatedXX/XX/XXXX Balance XXXX  High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXXXXXX XXXX- ( Closed ) Date opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XX/XX/XXXXMonths reviewed 13 Date reportedXX/XX/XXXX XXXX -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXXBalance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXXwell as a spreadsheet ( data from credit reports and Bofa bank statements ) which will highlight errors.

I would appreciate any assistance you my give me. My email address is XXXX  or I may be reached by phone at XX/XX/XXXX feel free to leave message.

Thank you XX/XX/XXXX Attachments

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 non-monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
on XX/XX//2019 I sent dispute letter and they said I they verified, but did not listed the evidence or say how they verified it. 
and the credit card company said that they don't have any record of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have sent certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018 to LVNV Funding LLC asking them to provide me with data to prove that this is my account. I have no knowledge of this account and have tried expressing that to LVNV Funding LLC, but they continue to call me about 15 times a day. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State License and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so, they must remove this account. LVNV Funding LLC bears the Burden Of Proof and the information they continue to send me does not provide evidence of the claims they have made against me. This is not my account, please delete this account. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I received a credit report due to other fraudulent situations with my taxes and I saw that there are some credit items now two accounts that are department of education Nelnet partial account and their account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it says that it was open XX/XX/2013 it was for education and it was first reported owing {$1700.00} and it is a partial count there's one right under it the same account number same date that it opened but a different amount and that amount is {$2600.00} because of these two education places that have put out a loan on me I have not attended school I have not put out for a student loan to go attend school so this is not me that I have no reason to be paying anybody ain't got money for a student loan so Iwould like to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BB&T CORPORATION
State: NC

Complaint narrative:
on XX/XX/XXXX I sent a dispute letter and credit bureaus responded with the debt was verified, but last on XX/XX/XXXX I paid the debt for a deletion off of credit file.

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 2019-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On our XX/XX/XXXX XXXX XXXX XXXX mortgage statement, the fixed principal balance is {$190000.00} Original XXXX balloon mortgage was opened in XX/XX/XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XX/XX/XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XX/XX/XXXX XXXX transferred/sold the account back to XXXX XXXX XXXX XXXX has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with XXXX  XXXX XXXX Office of the President, CFPB and all three Credit Bureau with no success. 
Errors include, but not limited to : XXXX XXXX XXXX ( website/statement ) Opened XXXX Original balance XXXX Current Balance XXXX Current interest rate XXXX Transferred to XXXX XXXX XXXX Credit Report XXXX  XXXX XXXX Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX BalanceXX/XX/XXXX -XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX High Credit XXXX Months reviewed XXXX Balloon payment {$180000.00} XXXX XXXX XXXX -closed Date open XX/XX/XXXX Date closed XX/XX/XXXX Balance {$0.00} High credit XXXX Months reviewed 12 Date Reported XX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX ( Closed ) Date opened " XX/XX/XXXX Date Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) XXXX-Credit Report XXXX XXXX   XXXX ( Open ) Date opened XX/XX/XXXX Date of updated XX/XX/XXXX Balance XXXX High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXX XXXX XXXX- ( Closed ) XXXX opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XXXX Months reviewed 13 Date reported XX/XX/XXXX Transunion -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXX well as a spreadsheet ( data from credit reports and XXXX bank statements ) which will highlight errors. 

I would appreciate any assistance you my give me. My email address is XXXX or I may be reached by phone at XXXX feel free to leave message. 

Thank you XXXX XXXX Attachments

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 2019-02-25 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: EQUIFAX, INC.
State: CT

Complaint narrative:
On our XX/XX/XXXX XXXX XXXX XXXX mortgage statement, the fixed principal balance is {$190000.00} Original XXXX balloon mortgage was opened in XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XXXX XXXX   transferred/sold the account back to XXXX XXXX XXXX XXXX has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with XXXX XXXX XXXX Office of the President, CFPB and all three Credit Bureau with no success. 
Errors include, but not limited to : XXXX XXXX XXXX ( website/statement ) Opened XXXX Original balance XXXX Current Balance XXXX Current interest rate XXXX Transferred to XXXX XXXX Equifax Credit Report XXXX XXXX XXXX Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX High Credit XXXX Months reviewed 99 Balloon payment {$180000.00} XXXX XXXX XXXX -closed Date open XX/XX/XXXX Date closed XX/XX/XXXX Balance {$0.00} High credit XXXX Months reviewed 12 Date Reported XX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX ( Closed ) Date opened " XX/XX/XXXX Date Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) XXXX-Credit Report XXXX XXXX   XXXX ( Open ) Date opened XX/XX/XXXX Date of updated XX/XX/XXXX Balance XXXX High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXX XXXX XXXX ( Closed ) Date opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XXXX Months reviewed 13 Date reported XX/XX/XXXX XXXX -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXX well as a spreadsheet ( data from credit reports and XXXX XXXX  statements ) which will highlight errors. 

I would appreciate any assistance you my give me. My email address is XXXX or I may be reached by phone at XXXX feel free to leave message. 

Thank you XXXX XXXX Attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On our XX/XX/XXXX XXXX  XXXX XXXX mortgage statement, the fixed principal balance is {$190000.00} Original XXXX balloon mortgage was opened in XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XXXX XXXX transferred/sold the account back to XXXX XXXX  XXXX XXXX has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with XXXX  XXXX XXXX XXXX of the President, CFPB and all three Credit Bureau with no success. 
Errors include, but not limited to : XXXX  XXXX XXXX ( website/statement ) Opened XXXX Original balance XXXX Current Balance XXXX Current interest rate XXXX Transferred to XXXX XXXX XXXX Credit Report XXXX  XXXX XXXX Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX High Credit XXXX Months reviewed 99 Balloon payment {$180000.00} XXXX XXXX XXXX -closed Date open XX/XX/XXXX Date closed XX/XX/XXXX Balance {$0.00} High credit XXXX Months reviewed 12 Date Reported XX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX ( Closed ) Date opened " XX/XX/XXXX Date Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) Experian-Credit Report XXXX XXXX XXXXXXXX ( Open ) Date opened XX/XX/XXXX Date of updated XX/XX/XXXX Balance XXXX High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXX XXXX XXXX ( Closed ) Date opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XXXX Months reviewed 13 Date reported XX/XX/XXXX XXXX -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXX well as a spreadsheet ( data from credit reports and XXXX bank statements ) which will highlight errors. 

I would appreciate any assistance you my give me. My email address is XXXX or I may be reached by phone at XXXX feel free to leave message. 

Thank you XXXX XXXX Attachments

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 non-monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Both Citibank and XXXX  XXXX XXXX allowed unauthorized access to my accounts. I added the woman I thought was my wifeto ONLY my checking accounts at both banks, she was not n any savings or CDs. Citibank has her listed under her maiden name and XXXX under my last name, ( which she never changedto using except when she had a credit card revoked, then shed reapply under my last name ). This started 8 years before we were married, no less. Ive found she changed my address to hers 3x and opened credit lines each time and repeatedly was pulling my credit report. As far as the banks, both admitted they erred by allowing her access to all of my accounts, even business and client trust accounts. She withdrew thousands, sent thousands to her family in the XXXX and even stole my ssdi income before abandoning me. After she left, she continued to steal from my accounts and even closed new ones I opened, under direction of the XXXX manager, at a new PO Box that she had no knowledge of its existence. XXXX have assisted her thievery several times and now refuse to investigate themselves. In serious need of help She stole using online access to move money from accounts she was not allowed access to each respective checking account that she was allowed access. She also hacked my network through myXXXX XXXX XXXX app to obtainmy phones XXXX address ( results in a cloned phone, complete with passwords and everything. )

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 2019-02-25 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: CHECK INTO CASH INC.
State: AL

Complaint narrative:
I have going to this company since XX/XX/XXXX .I have just been renewing the same payday loan that I have always been renewing. The problem is this company keeps pulling my credit profile leaving me with hard inquiries on my report and I have not been asked once could they do it.The most recent was XX/XX/XXXX.I am  being turned down for lines of credit do to all of these inquiries on my report..

Company response to consumer: Closed with explanation