vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On several occasions I tried to have Pay Pal resolve issues with some cases I wanted disputed, they never not one time attempted to settle these cases with me, they never let me talk to a member of management, nor did they even let me talk with there so called disputes back office. I have sent several e-mails with proof to back up my dispute cases. I have gave them plenty of time to comply with me but there being non-compliant to this day. My Financial Institution is now going to be drawn into this so they can take a look and take action against Pay Pal. If Pay Pal still refuses to comply with my orders I will take legal action against them. I will also do a follow-up with the California Attorney General as well as following up on my complaint with the FTC. I will continue to call Pay Pal Customer Service everyday there open for business and I will continue to fill there support inboxes. I will NOT let Pay Pal do as they please and take advantage of me, I will fight you tooth and nail till death do you part. I expect you to be an adult and take care of this issue and I DEMAND a member of Management to call me via phone. I will fight for my rights and I'm entitled to fight you till the end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I disputed an account on my credit report that EQUIFAX is reporting because I do not know whos account that is, the name of the account is XXXX XXXX, I received a copy of a paper from EQUIFAX telling me that the account is not being reported on my credit report but that is not true because the account shows as being reported on different places like XXXX XXXX and the EQUIFAX.com/dispute. I have included a copy of the paper as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: GA

Complaint narrative:
ive noticed several unauthorized inquiries on my credit profile section 609 of the fcra states that all inquiries should have written approval of the applicant also section 1681 of the united states code states its illegal to inquire without written authorization these companies are conducting an illegal practice and are subject to suit if these items are not removed immeadiately

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 2019-07-19 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: MO

Complaint narrative:
My identity has been compromised years ago and that hardship is still haunting me, I have many unidentifiable accounts on my report unknown and unauthorized. And as a consumer protected by the laws of the FCRA, I'm asking that these accounts be investigated and blocked. I will also like a detailed Method of Verification pending your investigation. A credit reporting agency should not report fraudulent accounts, accounts that have not been certified by physical documentation, no reputable credit reporting agency shall relay on old and outdated technology by electronic Verification. I'm demanding the removal and blocking of the following accounts 1 ) XXXX XXXX  {$2300.00} 2 ) XXXX XXXX XXXX  {$1100.00} 3 ) XXXX XXXX XXXX  {$400.00} 4 ) XXXX XXXX  {$1800.00} 5 ) XXXX  - {$250.00} 6 ) XXXX {$2100.00} 7 ) XXXX XXXX XXXX {$800.00} 8 ) XXXX {$2500.00} 9 ) XXXX  XXXX XXXX {$1300.00} 10 ) XXXX XXXX XXXX $ XXXX 11 ) XXXX XXXX XXXX  {$700.00} 12 ) Chapter 7 Bankrupty 13 ) XXXX XXXX {$200000.00} 14 ) XXXX XXXX 15 ) XXXX XXXX XXXX  {$2100.00} 16 ) XXXX XXXX {$28000.00} 17 ) XXXX XXXX  18 ) XXXX/Dept of Education 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX x17

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 2019-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
In XXXX l purchase property price was XXXX and I'm refinance in XXXX property mortgage XXXX XXXX XXXX home equity assets trust  9.25 % with baloon payment former ocwen loan services  Second mortgage Adjustalble Rate Rider baloon rider XXXX XXXX XXXX XXXX pass through to XXXX XXXX XXXX pay off is In XXXX forclose start and property is scheduled for scherff action erly next week Property has 2 city lot 7000 sf and 600 sf and only 1 lot was recorded and scheduled for auction 7000sf

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: MO

Complaint narrative:
My identity has been compromised years ago and that hardship is still haunting me, I have many unidentifiable accounts on my report unknown and unauthorized. And as a consumer protected by the laws of the FCRA, I'm asking that these accounts be investigated and blocked. I will also like a detailed Method of Verification pending your investigation. A credit reporting agency should not report fraudulent accounts, accounts that have not been certified by physical documentation, no reputable credit reporting agency shall relay on old and outdated technology by electronic Verification. I'm demanding the removal and blocking of the following accounts 1 )  XXXX XXXX {$2300.00} 2 ) XXXX XXXX XXXX  {$1100.00} 3 ) XXXX XXXX XXXX   {$400.00} 4 ) XXXX XXXX {$1800.00} 5 ) XXXX - {$250.00} 6 ) XXXX {$2100.00} 7 ) XXXX XXXX XXXX {$800.00} 8 ) XXXX {$2500.00} 9 ) XXXX XXXX XXXX {$1300.00} 10 ) XXXX XXXX XXXX $ XXXX 11 ) XXXX   XXXX XXXX  {$700.00} 12 ) Chapter XXXX Bankrupty 13 ) XXXX XXXX {$200000.00} 14 ) XXXX XXXX 15 ) XXXX XXXX/ XXXX  {$2100.00} 16 )  XXXX XXXX {$28000.00} 17 ) XXXX  XXXX 18 ) XXXX/Dept of Education 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My identity has been compromised years ago and that hardship is still haunting me, I have many unidentifiable accounts on my report unknown and unauthorized. And as a consumer protected by the laws of the FCRA, I'm asking that these accounts be investigated and blocked. I will also like a detailed Method of Verification pending your investigation. A credit reporting agency should not report fraudulent accounts, accounts that have not been certified by physical documentation, no reputable credit reporting agency shall relay on old and outdated technology by electronic Verification. I'm demanding the removal and blocking of the following accounts 1 ) XXXX XXXXk {$2300.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX {$400.00} 4 ) XXXX XXXX {$1800.00} 5 ) XXXX  - {$250.00} 6 ) XXXX {$2100.00} 7 ) XXXX XXXX XXXX {$800.00} 8 ) XXXX {$2500.00} 9 ) XXXX XXXX XXXX {$1300.00} 10 ) XXXX XXXX XXXX $ XXXX 11 ) XXXX XXXX XXXX  {$700.00} 12 ) Chapter 7 Bankrupty 13 ) XXXX XXXX {$200000.00} 14 ) XXXX XXXX 15 ) XXXX XXXX XXXX   {$2100.00} 16 ) XXXX XXXX {$28000.00} 17 ) XXXX   XXXX 18 ) XXXX/Dept of Education 19 ) XXXX XXXX XXXX 20 ) 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 2019-07-19 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: VA

Complaint narrative:
The following accounts are requested to be removed and blocked from my credit file. These accounts are not accurate nor has they been properly verified. No company as a credit reporting agency shall on electronic Verification. I'm demanding that Equifax either provide me with certified physical documentation of these accounts or as stated with the laws of the FCRA these accounts shall be removed immediately 1 ) XXXX/XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX {$1200.00} 4 ) XXXX XXXX XXXX 5 ) XXXX/ XXXX XXXX XXXX 6 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I have found a report on my credit from a PCS Collections, I have never heard about this company and I have no knowledge of why they placed a collection on my credit. Frankly I don't know what this debt is for. I have pulled up reports on the XXXX and found that they appear to be a fraudulent company involved in debt scams and work through evasion and scare tactics. I am not afraid, but I do not know what to do. I want nothing to do with a dishonest scammer company. I have no knowledge or information of anything from them except for the reporting on my credit. The reporting itself is vague as it does not provide any detail for what it is for or from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX, and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
so I was trying to make a purchase with my debit card online and it was declined, I am aware that it would have been an overage but that is what my over draft protection is for I thought, I had to get a new account because my wallet got stolen and my acct and routing number was in there, and when I got this new acct my overdraft protection was apparently put the same as my old acct but with my old acct I could overdraft up to {$100.00} and it would still approve it without any problems.

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 2019-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northern Trust Company, The
State: CA

Complaint narrative:
I had a trust account with northern trust company. XXXX Florida branch. My mom had her estate administrated by them and her will and trust became irrevocable when she died XX/XX/XXXX. Article Third of mom 's amended will which she amended XX/XX/XXXX, states the sole mention of the condo, in the will and trust.it says if my brother wanted the condo, he could have it and the value of the condo shall be deducted from his share of the estate. The plan of distribution of the amended irrevocable trust is 5050.the condo value was XXXX he took the condo in XXXX, sold it spent the sales proceeds. They never took the deduction for my equal share. Instead, in XXXX, they said his account was over funded by XXXX, so they deducted that from his account transferred it to mine. They called this half the value of the condo. They also called it the whole value of the condo.fact is, as the account statement showing the transfer says, the overfund was from a distribution in XX/XX/XXXX, made in error to his trust from our mom 's trust estate. In other words, nothing whatsoever to do with the condo. They also created a fraudulent accounting in which they falsely show the condo value as if added twice to the portfolio funding for both trusts

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 2019-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
In XX/XX/2005, I purchased my home through XXXX XXXX XXXX  at the age of XXXX. I received a good faith estimate from one of their reps, XXXX XXXX stating that my mortgage would be {$1200.00} with a fixed interest rate. When I went to closing, the mortgage was triple that amount with a very high interest rate and a 2nd mortgage company was listed throughout the paper work with an even higher interest rate. Initially, I denied the purchase because of the false information I had received. After 3 of the members at the table, along with my realestate agent, informed me that I could always refinance, I decided to proceed. It's been 14 years since I purchsed. My mortgage turned out to be an ARM and I've been denied the opportunity to refinance numerous times. The mortgage has been transfered numerous times and XXXX XXXX is now CLOSED. I've contacted Mr. Cooper for a reinstatement balance including lawyer fees, NO CALL BACK. I requested refinance options, NOTHING. I left 2 messages within the past 3 days, NO CALL BACK ... Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have a loan with COMENITY BANK/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and COMENITY BANK/XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I was charged exactly {$21.00} from TransUnion WITHOUT my knowledge or consent which should be considered fraud. I have a screen shot of that translation made yesterday. Please help me resolve this and get my refund. I never agreed to pay ANYTHING and what they are doing is not right!!!

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 monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX Harley Davidson in XXXX XXXX Florida fraudulently esigned my name on my brother 's motorcycle loan as a co applicant. I did not authorize my signature on ANY loan, in fact, I wasn't even in Florida at the time when this motorcycle was purchased. It is my twin brothers motorcycle. He needed a co signer,  and although his salesman did call me in Nevada to ask if I would co sign, I told that salesman, and I quote " no absolutely not, for one my wife would not allow it, and second his bill collectors in the past were always calling me looking for him for his unpaid loans, and the insufficient checks he gave them ''. I knew his credit history therefore wasn't going to take that risk of destroying my great credit. However, the salesman apparently esigned my name to the loan anyway, and then proceeded to tell my twin brother I agreed to co sign, and that is absolutely a lie. I tried to dispute it with the credit bureaus but they all have refused to remove it from my credit history. This is a blatant XXXX  attempt to sell a motorcycle at any cost. For one I know the law states an individual has to be actually present to esign a document for a loan. Considering I was 2500 miles away in a different city at the time, that would be impossible to do. I didn't even move back to Florida until XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I recieved a call from ccs offices in ma. I called back to see who it was. The lady kept telling me I had to verify information. I said well if you know its me who you called then surely thats verification enough. She asked me to give my address I would not. Then she asked my middle initial I said I dont have one. I said what is this about. She said it was for XXXX XXXX   which I do not owe anything because I canceled and switched my insurance before the next billing date due. 
I also asked her what address she had on file for me and it was not even my correct address I said ok send it to me in the mail and send me a dispute right letter. She said we cant mail any of that to you. I asked for the bill she was collecting on and she said she couldnt send me that either I said lady if you are a collection company you know that by law you have to send those. Also she was in the XXXX it sounded like maybe or XXXX. 
So if it is a real company they are violating several fdca laws

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
A property management company where I currently reside decided to offer me a lease renewal after my initial lease was up. 

Prior to signing the renewal I asked to speak with management as Im currently missing {$11000.00} identifiable directly to the property management company ( XXXX XXXX XXXX XXXX and where funds were deducted out of my company account held with ( PayPal ). 

PayPal statements show the funds have been processed and as I present this information to XXXX  XXXX XXXX they state the documents are not actual bank statements even though they are my companys merchant account statements. 

After mentioning the matter to XXXX  XXXX XXXX they are now not allowing me to renew my lease even though I would like to pay funds and sign as originally offered. 

PayPal statements show funds paid to XXXX XXXX XXXX as processed multiple times where XXXX  XXXX XXXX says they havent received any additional payments even though knowing about this situation since XX/XX/2018. 

I had management call me threatening to take me to court and that my credit would be ruined if I didnt comply along with the threats of suing me for slander after bringing up this complaint prior to signing my renewal. 

I need help resolving this matter with PayPal as my company is missing approx XXXX and PayPal has not been helpful in resolving the matter after months of recorded conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
Fidelity Rewards Visa failed to protect me against a predatory and unethical merchant charging me for services not rendered, improper billing, damage to my property, and misrepresentation. Fidelity Rewards Visa is the branded credit card of Fidelity Investments and is operated by Elan Financial Services. Detailed complaints were sent certified mail to the credit card company on XX/XX/2019 and XX/XX/2019. The complaint was handled by a staff member who was not qualified to handle the complaint, never returned my phone calls, and accepted the merchants position despite thorough documentation supporting my dispute. The letters sent to me by Fidelity Rewards Visa failed to describe the resolution or the facts supporting the resolution. The result was a loss to me of {$1400.00} to a merchant who continues to prey on the public and stands to lose their license to operate as a result of their unethical behavior. Despite numerous phone calls to the credit card company to escalate the dispute to a supervisor, the supervisor has never made a serious attempt to contact me. Representatives of the credit card company make cursory calls but never leave a message so that they can document their internal files that an attempt was made to contact me. The failure of Fidelity Rewards Visa to protect its consumers is systemic and needs to 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