vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
My issue is with PayPal Credit. 

On XXXX/XXXX/17 I purchased an item from a seller on eBay and paid the seller using PayPal Credit ( {$130.00} ). 

Sometime after this transaction was completed, my XXXX account was compromised and the fraudster changed my contact and address information ( I did n't learn of this until several weeks later ). The XXXX seller shipped the item to the fraudster 's address, so I never received it. I contacted eBay and they confirmed that my account had been compromised, so we changed passwords to rescuer the account. 

In the meantime, I filed a dispute with PayPal ( dispute ID XXXX ). I was just notified by PayPal that they declined my claim, as they confirmed that seller had shipped product. YES, SELLER SHIPPED PRODUCT TO THE FRAUDSTER 'S ADDRESS AND I DID NOT RECEIVE. I should be covered under PayPal 's Buyer Protection promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
During the process of refinancing my home to go to a 15 year mortgage with bank of America, the appraiser they hired lied, and wrote my house up as being less sq footage, with less bathrooms and less bedrooms then it actually is. Therefore making the house worth way less, giving me a higher interest rate and keeping my pmi. They also used houses to compare my house too, that are in much worse areas and much smaller. My appraisal was a complete scam and when I called them out about it, I did n't hear back from them for four days. I was charged {$540.00} for the appraisal.

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 2017-11-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hi my name is XXXX XXXX and I 'm filling a second complaint against bank of America again I received a letter about my claim and it was denied by the bank in the amount of XXXX and it was rebilled back to me and I also received a phone called from a banker and she was unprofessional and called me too early in the morning and told me that I was denied on another claim for XXXX XXXX in the amount of XXXX and XXXX and I was rebilled twice and I never used the temp credit and I also received a rebilled for XXXX in the amount of XXXX and XXXX in the amount of XXXX and never was issued a temporary credit for those two charges and I was told that my investigation will be reopend but I have n't got my issued resolved yet and my credit score is dropping by 15 points every two weeks and I 'm not responsible for these charges my card was stolen alone with my wallet and car keys I report this to the ploice dept and call bank of America and open up a dispute in the amount of XXXX and it was denied because of the chip use and I told bank of America I never used my card at stores and they have n't done anything and leaving me responsible for the charge and I cant afford to make payments for it I called XXXX bank to put a stop payment on XXXX because I did n't authorize it that debit card was stolen as well and I got a new debit card on that on ending 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 monetary relief
Consumer complaint received 2017-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Friday XXXX XXXX, 2017 at XXXX XXXX our car was repossessed. We live in a gated community with security guards. While the security guard was away, the tow truck driver broke into the community by forcing the EXIT gate up and the proceeded to drive over a median flower box with lighting both of which he damaged. Not only did they break in but they came in a Exit endangering anyone that might be leaving the community. The bank that holds the lien, Chase, has been unwilling to share any helpful information. The payment were neglected by my wife, and the car was under my name. I offered to reconcile debt, pay a few months in advance and link automatic payments to my bank account moving forward to make sure this never happened again. Money was not the issue, neglect was. They have refused this and will only allow me to get the car back by paying off the lien PLUS their fees - which are undoubtably towing, storage, etc that were all done illegally. They have also attached this Repo to my credit report, which is understandable for a repo, but their unwillingness to work with me and the way in which the vehicle was taken is just irresponsible business. I now have a matter of days, all with a holiday in the mix which the banks will be closed for, to figure out how to get someone else to purchase this entire lien with my once great credit that is now destroyed. I have taken accountability, humbly apologized and have offered many suggestions including leveraging my personal businesses to reconcile the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Last year ( 2016 ) I received a call from XXXX XXXX XXXX XXXX Department saying that I owed money on my XXXX store card and that they were calling to ask me to pay it before they would have to send it to collections. I did n't have the full amount at the time and set up a payment plan with XXXX. The debt was completely paid off XX/XX/XXXX of last year after 6 payments had been made. 

A few weeks ago, I answered a call from a number I did n't recognize and it was Portfolio Recovery Associates saying that they were trying to collect my XXXX store card debt. Obviously, that debt does n't exist, so I should n't have received this call. 
I called XXXX and tried to explain that my debt had already been paid. I kept getting transferred to outsourced call centers that did n't understand what I was saying, and they just kept telling me I owed a debt and asked if I wanted to make a payment. 

Finally, someone at XXXX told me how to file a dispute with XXXX. I sent in my dispute letter along with my attached check stubs proving that the debt had been paid. 

Since I sent the dispute I have n't heard anything, and have continued to get upwards of 5 debt collection calls a day. I have tried calling XXXX, but they keep telling me that there 's no way for me to contact the dispute team and that they do n't have a phone number, which I find extremely suspicious if not outright illegal. I have asked for updates on my dispute with no answers, and again the representatives keep telling me that I owe a debt. 

This has ruined my credit score, and in my original dispute to them I said it needed to be reversed within a week considering I had paid the debt and there was n't anything to really dispute or investigate. I have broken down crying several times because I will be on hold for 40 minutes with XXXX and then still just transferred to their debt outsourced call center and not told anything. I need proof from XXXX that they are going to reverse the damages they 've made to my credit score. I should n't even have to be doing this, and selling a paid debt to a collection agency is illegal ( I 'm pretty sure ) and it 's illegal for that debt collection agency to be harassing me when I have paid the debt! 

Please please please resolve this as soon as possible. I do n't want people to go what I 'm going through. I am now paying a much higher than normal security deposit on a new apartment because of this mess, and it is actively hurting me emotionally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I dont understand why my loan went from {$5000.00} to {$7000.00}???????? That is unbelievale I can not afford to pay that off, I am currently not enrolled in school and currently not working, I dont know where to get that kind of money?????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
I have made contact with XXXX, XXXX and XXXX for the past four months in 30-35 days via certified mail and phone calls. I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XXXX/XXXX/XXXX, XXXX certified receipt # XXXX, and another certified letter on XXXX/XXXX/XXXX, XXXX certified # XXXX, which was return. On XXXX XXXX, XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address XXXX certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XXXX/XXXX/XXXX, who is a management representative for XXXX XXXX XXXX. XXXX ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the XXXX, XXXX and XXXX  credit reports this information is " accurate and has been verified. '' 5 )  On the XXXX credit report the debt is listed twice ; which is inaccurate. Should XXXX, XXXX, and XXXX verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
On XXXX XXXX began emailing person about her moving in with me XXXX and originally gave me a SD address. We emailed daily and I trusted this person due to the emails we exchanged. She told me she was a yoga instructor and had been accepted to go to a yoga seminar in XXXX XXXX, XXXX. I looked this up online and there was a XXXX XXXX XXXX there until XXXX XXXX. We emailed daily while she was in XXXX and said she did not get international calling on her new phone. She was to send me a check to cover the 1st months rent and enough to pay movers since she was flying into XXXX when the seminar was over. I received the check and deposited it in my savings at BOA on the XXXX of XXXX.at the bank with a teller. I told her I wanted to make sure it was a good check. It showed pending until XXXX of XXXX.then turned to a credit. She emailed around XXXX and asked me to take {$600.00} rent out ad send her the rest XXXX to XXXX since she would have to get new movers and pay them herself. I transferred {$2300.00} from my savings to checking and went to XXXX to send the money to XXXX. My debit card accepted the transaction and the money was sent. Later that evening I was emailed by my bank I had a negative in my savings due to the check being fraudulant. BOA told me there was nothing they could do and it left my account in a negative as well as taking {$740.00} I already had in my savings.

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 2017-11-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Good morning I need your assistance please. Back 6 years ago my wife died, she was the only name on our home mortgage at that time. Since then the mortgage company was XXXX, they had somehow given it to NationStar Mortgage, now known as XXXX XXXX. I was the executor of estate, i had submitted all the documents required to NationStar a good year ago. Since then the home officially became mine, and again submitted all the documents I was asked for. Well earlier this year i went to refinance the home, I called NationStar and was not not pleased with the interest rate they offered me, so I went elsewhere, and XXXX became my new mortgage company. After all was done I received a check in the mail from NationStar check number XXXX for the amount of {$960.00}, the problem with that it was made out to the estate of deceased wife. i could n't deposit it, so on XXXX/XXXX/XXXX at approximately XXXX i called and spoke to XXXX XXXX who redirected me to XXXX in Arizona XXXX I told him, and said within XXXX business days I 'll get a new check. Cool, I thought. On XXXX I did receive a new check for {$110.00} check number XXXX. Now i 'm getting a little annoyed so I called on the XXXX of XXXX and spoke to XXXX in Texas, who at that time said I would now need to prove I 'm the one paying the mortgage, and would have to mail in at least 1 years worth of bank statements. Guess they forgot I have done that months prior, and they take it directly out of my bank account, which she refused to look into. So! any help will be appreciated, wspecially if there is any penalty that can be included, besides the website, and social media I 'll be posting this too. 

Thank you in advance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX NationStar Mortgage XXXX XXXX XXXX XXXX XXXX, TX XXXX LOAD NUMBER XXXX - LATE WIFES NAME XXXX XXXX. 
POLICY NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX my husband XXXX XXXX suddenly. I had been paying the mortgage on a regular basis. Last year, XX/XX/XXXX, I had started becoming late because of financial issues because of the loss of my husband. Wells Fargo did work with me and I was granted a continuum of my husbands loan. I am the executor of his estate and although the Title/Deed is in my name, the loan is not. I once again became delinquent on the loan but sent three separate checks to catch up. The mortgage company returned the checks saying that my husband needed to contact them for them to accept the checks. Wells Fargo is aware that my husband is deceased so the letter did n't make sense to me. In XXXX, I again started working with the Home Preservation Department to keep my home. I was told that I needed more information. I sent the information that was needed but they declined my application. I am receiving a pension now from my husband and I have a solid income. I want to keep my home, I feel the mortgage is not working with me and the sale of my home is looming. I am praying that this letter helps my communication with the mortgage company and myself. 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 2017-11-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Riverwalk Financial Corporation
State: MA

Complaint narrative:
Hello I have had this Lady named XXXX call me repeated amount of times and also contacting my job looking for me on multiple times throughout XXXX and XXXX of 2017 trying to collect for a student loan, Harassment is what its turning out to be collecting Debt. She works for XXXX XXXX XXXX calling from phone number XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Last year ( XXXX ) I received a call from Synchrony Bank 's XXXX Department saying that I owed money on my XXXX store card and that they were calling to ask me to pay it before they would have to send it to collections. I did n't have the full amount at the time and set up a payment plan with Synchrony. The debt was completely paid off XXXX XXXX of last year after 6 payments had been made. 

A few weeks ago, I answered a call from a number I did n't recognize and it was XXXX XXXX XXXX saying that they were trying to collect my XXXX store card debt. Obviously, that debt does n't exist, so I should n't have received this call. 
I called Synchrony and tried to explain that my debt had already been paid. I kept getting transferred to outsourced call centers that did n't understand what I was saying, and they just kept telling me I owed a debt and asked if I wanted to make a payment. 

Finally, someone at Synchrony told me how to file a dispute with Syncrhony. I sent in my dispute letter along with my attached check stubs proving that the debt had been paid. 

Since I sent the dispute I have n't heard anything, and have continued to get upwards of 5 debt collection calls a day. I have tried calling Synchrony, but they keep telling me that there 's no way for me to contact the dispute team and that they do n't have a phone number, which I find extremely suspicious if not outright illegal. I have asked for updates on my dispute with no answers, and again the representatives keep telling me that I owe a debt. 

This has ruined my credit score, and in my original dispute to them I said it needed to be reversed within a week considering I had paid the debt and there was n't anything to really dispute or investigate. I have broken down crying several times because I will be on hold for 40 minutes with XXXX and then still just transferred to their debt outsourced call center and not told anything. I need proof from Synchrony that they are going to reverse the damages they 've made to my credit score. I should n't even have to be doing this, and selling a paid debt to a collection agency is illegal ( I 'm pretty sure ) and it 's illegal for that debt collection agency to be harassing me when I have paid the debt! 

Please please please resolve this as soon as possible. I do n't want people to go what I 'm going through. I am now paying a much higher than normal security deposit on a new apartment because of this mess, and it is actively hurting me emotionally and financially.

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 2017-11-20 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: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet keeps adding 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 detrimental to this process. I respectfully asked that nelnet be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as nelnet is doing illegal collecting and reporting practices

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: OH

Complaint narrative:
I attempted to get a home loan with Homeside Financial. a  company located in XXXX, Ohio. In process of credit background checking this company Hard Checked my credit XXXX times. All individual hard credit checks. and destroyed my credit forcing me to get an FHA loan from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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:
So I was buying {$260.00} of Ethereum off the site " coinbase.com '' on XX/XX/17 and after doing so, it said my money was pending for 3 days however I can accelerate the process by adding my ID in which I went to do however, their automated system could not read my ID and their system automatically locked me out of my account. I then proceeded to send them an email and call them in which they replied with they have " escalated '' the support ticket however after reading online this seems to be something they say alot and there are people that have been waiting MONTHS for a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am inquiring about removing a few late payments off my credit report. During XXXX of XXXX, I had emergency XXXX XXXX XXXX causing me to miss work for 8 months or so, my Income was severely reduced causing me to fall behind on my payments. Thankfully, Ive resumed work and caught up on all my payments, paid every late fee and have been current without missing a payment for 8 months. Ive asked to have my lates removed due to the hardship I endured and as I stated, all payments were made and fees were paid. I was 30 days late on XX/XX/XXXX and XX/XX/XXXX and 60 days late XX/XX/XXXX and XX/XX/XXXX ... since Ive made every payment on time and have never had an credit issue previously or after those dates. If you could please assist in clearing up my report due to the nature of my situation it would be greatly appreciated. I take full responsibility for the lates and have set auto payments to avoid any further incidents.

Company response to consumer: Closed with non-monetary relief