vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Paypal solicited me for their Paypal credit. I applied & was approved for a {$3500.00} line of credit in XX/XX/XXXX. I used this line of credit once for {$29.00} and with XXXX for {$280.00}. 
However, every time I attempted to use my line of credit after I was either denied or informed the merchant does not accept Paypal credit for my transaction, This was false information as the merchants all accept paypal credit. I would be forced to contact support who also would provide false information to me. I would wait a few days initiate the same purchase and sometime they would process. Finally Paypal would admit my line of credit use was restricted but refused to tell me why. I would request my complete dossier Paypal has created for me and Paypal refuses to provide that.

In Summary Paypal has restricted my use of the line of credit and refuses to inform me why. 
XX/XX/XXXXI linked a checking account and made a payment. However, since XX/XX/XXXXI have been  unable to link that same checking account therefore unable to make a payment. Paypal provided me other options but those also will not process for me, It seems Paypal has now restricted my from all online options to make a payment but refuse to inform me why, I have emailed support at least 6 times about this and they do not respond. Paypal has breached out contract in so many ways and I have since filed a lawsuit in the XXXX district court XXXX Mi XXXX. In the meantime my account payment is late but I have no options to pay and Paypal refuses to answer any of my questions. 
This is literally insane!

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 2019-03-17 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit score has been showing N/A with Equifax. I first noticed the issue in XXXX of 2018 while purchasing a vehicle. I contacting them and was told I had to prove my identity due to my credit had been compromised in their system. I sent in all documents needed. I contacted them a week later and was told to do the same thing again. I did it again via email and fax this time. Still it continues to show no score. I finally was able to get the loan based on XXXX and XXXX scores. Them in XXXX of 2018 I had the same issues again attempting to get a lease. I contacted Equifax 4 different times and sent them items 4 different times. I finally just purchased a vehicle instead of leasing one for my wife. Now my wife and I are trying to purchase a home and Equifax is still showing no score. I dont know what else to do. My transunion score and experian scores are showing. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL

Complaint narrative:
ACCOUNT # XXXX XXXX XXXX XXXX ( {$890.00} ) IBERIABANK  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX IBERIABANK CORPORATE SPECIAL ASSETS DEPT XXXX XXXX XXXX XXXX LA XXXX IBERIABANK PHONE # s : XXXX XXXX LOCATION XXXX SPECIAL ASSETS DEPT XXXX SPECIAL ASSETS DEPT XXXX CUSTOMER SERVICE ANOTHER IBERIABANK ADDRESS : XXXX XXXX XXXX, XXXX XXXX AR XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX BRANCH MANAGER , CELL XXXX, XXXX XXXX XXXX ASSISTANT MANAGER, XXXX XXXX XXXX XXXX RELATIONSHIP BANKER, XXXX XXXX COUNTY SHERIFFS OFFICE CASE # XXXX . WEB SITE : XXXX : XXXX REPORT TAKEN BY CSA XXXX XXXX XXXX. 

On XX/XX/XXXX two stolen checks ( # XXXX {$840.00}, # XXXX {$1200.00} ) were deposited at an ATM in XXXX XXXX into my account. The bank has them post dated, # XXXX XX/XX/XXXX and # XXXX XX/XX/XXXX. # XXXX is neither signed, nor endorsed. # XXXX has the same signature on the front and back. The checks were charged back on XX/XX/XXXX and XX/XX/XXXX. During that time, ATM withdrawals were made at 3 locations. 2 of which, are IBERIABANK ATMs ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). They have the thief ( not me ) on video withdrawing cash. They refuse to acknowledge DEBIT PIN FRAUD and are saying it is my responsibility to keep my PIN safe. They have failed to protect me as their customer, have evidence that I did not take their money, and are not leaving me out to dry. They need to update their ATMs instead of being so greedy and acknowledge DEBIT PIN FRAUD exists for starters. They are wasting tax payer dollars by sending us to file police reports when the evidence is clear and they are responsible due to their lack of technology. 

DATE LOCATION AMOUNT XX/XX/XXXX XXXX XXXX, XXXX XXXX FL {$40.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX FL {$840.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX FL {$1200.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX FL $ XXXX XXXX ) XX/XX/XXXX XXXX XXXX, XXXX XXXX FL $ XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX FL $ ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX, XXXX FL $ XXXX XXXX ) XX/XX/XXXX CHARGEBACK $ ( XXXX ) XX/XX/XXXX CHARGEBACK FEE $ ( XXXX ) XX/XX/XXXX CHARGEBACK $ ( XXXX ) XX/XX/XXXX CHARGEBACK FEE $ ( XXXX ) XX/XX/XXXX BALANCE FEE $ ( XXXX ) XX/XX/XXXX SERVICE CHARGE $ ( XXXX ) XX/XX/XXXX BALANCE FEE $ ( XXXX ) XX/XX/XXXX SERVICE CHARGE $ ( XXXX ) TOTAL $ ( 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 2019-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Hi good morning, I sent money thru my PAYPAL account the last XX/XX/2019 and the recipient should've received the money the last XX/XX/2019. 

The amount is XXXX . 

My PAYPAL account says the money was sent, but the recipient hasn't received anything yet. 

My Transaction ID XXXX. 

Thanks for bringing this service, I hope a soon answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TN

Complaint narrative:
PNC Bank, XXXX, Ohio. XXXX. I have never been late with any payments in the 12 years I have been paying PNC. After trying to refinance with the company and getting an appraisal of over twice the value of my home I was denied. So starting in XX/XX/XXXX after making my monthly payment of {$800.00} XX/XX/XXXX I decided to make a Principle only payment on line XX/XX/XXXX of {$1000.00}. When I looked at my account I noticed they applied only {$470.00} to principle and {$520.00} to interest. I called them and they said they would correct it and that it might be best to mail in the principle payments with a check showing principle only on the check ... well it never happened on there part. I made my monthly payment again XX/XX/XXXX of {$800.00} and mailed in a Principle payment of {$1000.00} on XX/XX/XXXX which I wrote on the check and the statement portion PRINCIPLE ONLY. When I checked my statement again it showed they applied only {$680.00} to principle and XXXX to interest. I was going to give them one more month to get this right so again I paid my monthly payment on XX/XX/XXXX of {$800.00} and another Principle only check mailed in with Principle only wrote on it in the amount of {$1000.00}. This time they applied {$140.00} to principle, {$130.00} to interest and {$720.00} to late fees. I was in shock. I have tried calling them to get this taken care of but get the run around. This makes me wonder what they have been doing to me the first 11 years when I didn't even look at my statements. I have also been trying to get them to let my wife handle this matter since she handles all the bill paying and they always give the run around about having me to authorize her to handle it which I have done dozens of times on the phone. Let me also add that they apply different amounts to the principle with my normal monthly payments. Like XX/XX/XXXX principle was {$220.00} interest was {$570.00}, XX/XX/XXXX, principle was {$1.00}, interest was {$790.00}, XX/XX/XXXX principle was {$390.00}. XXXX and interest was {$400.00}. All of this is so wrong. Please be advised of a CROOKED company. My balance has only gone down in principle since XX/XX/XXXX till now {$2200.00} with them receiving {$5400.00} from me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: AZ

Complaint narrative:
In XX/XX/2018 I contacted Discover Card to ask for assistance in lowering my payments. 
At that point I owed {$5800.00}. and was being charged 18.99 % interest. 
They told me they could offer me at lower rate of 16.99 % for one year, there was no mention verbally or in writing that at the end of that period I could not apply for additional help.Under the program I am paying {$110.00} a month of which {$30.00} goes to the principal and the rest is interest. 
I started writing, calling and emailing Discover in XX/XX/2018 advising them that effective at the end of this temporary program I would no longer be able to make full payments. I stated that due to age ( XXXX ), health ( XXXX and XXXX XXXX XXXX ) and my income based on Social Security I will never pay this loan off as currently outlined. 
Here is a list of Discover personnel I have corresponded with : XXXX XXXX, Manager, Executive Office of Customer Advocacy XXXX XXXX, Same office as above XXXX XXXX, Same as aboe XXXX XXXX, Executive Office of Discover XXXX XXXX, CEO/President of Discover all are located at XXXX XXXX XXXX XXXX, XXXX, De XXXX All of the above advised that I was notified on XX/XX/2018 that I would not be eligible for a new program for at least one year. I had advised them that I was never advised of this provision. XX/XX/2018 was seven months after I entered the program. 
Discover is not willing to reduce the interest rate or set reasonable payments on my account. I have attempted in good faith to deal with this problem to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Although this seems to be a continuing issue, currently at issue is web site disparity on two store cards I am on with my wife : Synchrony Bank serviced store cards for XXXX XXXX XXXX and Synchrony Bank multiple vendor Home account. 

On two accounts past due date by a few days, scheduled payments for XX/XX/2019. On XX/XX/2019 received a robo call, when answering phone only recorded message to return call WITH NO Information CALLING BACK, they ASKED me to tell them why I was calling After what would have been batch updates to their system on XX/XX/2019,  received the same call on Sunday XX/XX/XXXX. 

I have screen print showing payments processed, but account status STILL PAST DUE. Offshore associates do not see what I have in screen captures and I continue to be harnessed by Synchrony Bank I plan to share this same information with XXXX XXXX XXXX and XXXX as this is jeopardizing representational risk for these merchants who use Synchrony serviced cards

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 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: VA

Complaint narrative:
While XXXX I provided someone with POA, this person opened numerous accounts to include XXXX, XXXX XXXX, XXXX, and Discover  to name a few. I have provided all of these companies with the original power of attorney, the notarized statement from the individual admitting to opening these accounts, which list these companies by name. I have also put Discover in direct communication with senior military personnel located at the Pentagon to validate I was out of the country at the time since I am legally unable to provide a copy of the title 50 orders. XXXX XXXX, and the XXXX both conducted investigations and was able to completely remove the accounts. XXXX is requesting a police report, and Discover is now saying that because the card was used, it is deemed valid. 

DISCOVER, has previously claimed to conduct investigations which consist of : Obtaining XXXX XXXX via the XXXX website ( Which does NOT provide Title 50 orders. However senior officials validated the dates of overseas service ) : Retrieving online application data, : Reviewing financial transactions on numerous occasions, Discover has deemed this account valid despite all the provided documentation. Not once during the investigation was I contacted to obtain additional information, had I not asked one of the females, what information do they deem insufficient I would have never known they were looking to validate XXXX history, which I was able to offer them. The lack of communication throughout an investigation that impacts my security clearance is troubling. Why am I not made aware of what information is needed from me to prove my innocence? Why is the notarized confession being overlooked? Why is Discover unable to retrieve credit card signature, surveillance footage from one of the businesses during the point of sale like XXXX XXXX to validate I was not the individual using the card. I will NOT STOP requesting this matter be properly investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX transferred my mortgage XX/XX/2019, to Specialized loan Servicing on XX/XX/2019, : Sls '' send a one page demand letter, stating a payment of {$1100.00}? under the Real estate Settlement Procedures Act : it state a fifth teen day grace between the old company saying goodbye and the new company saying hello? also under the same Act it states a 60 day grace period from the day XXXX XXXX sold the loan to avoid a late fee? which " Sls '' in seven days applied XXXX mortgage of {$570.00} making it the above total? today of this letter is XX/XX/2019? as a XXXX  Veteran living on XXXX $ a month income SSI getting it the third Wensday of each month? for 34 years i made my payments, im currently due XX/XX/2019 mortgage waiting on SSI check XX/XX/2019 i will send {$570.00}, not much paperwork have i received from this Company and many scammers or out there? i will call them XX/XX/XXXX Monday to speak with someone, to see why they are less than 15 days of transfer requesting next month payment? also calling the VA dept to see whats going on i only have a couple of years to pay this house off, and as a Vet thats my goal! have a Bless day 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 2019-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
They have three collections on my credit report that are not my accounts as I have been a victim of Identity theft and have filed a report and have my ftc report. They refuse to remove these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17 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: NC

Complaint narrative:
I am a part of the PSLF program ( public service loan forgiveness ). I am a XXXX in North Carolina. Upon review of my certified payments through XXXX Servicing ( XXXX ), I noticed a discrepancy and called to speak with a representative on XX/XX/XXXX. I was told I needed to go online and fill out a contact form. I immediately did that with the discrepancy information. They have 6 months of qualifying payments missing from one of my certified documents and another 9 qualifying payments from another. All I received were confirmation emails that they received my concern and would contact me " as soon as possible. '' I waited and sent additional emails on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of these emails have gone unanswered other than one of them on XX/XX/XXXX when I mentioned I may need to seek legal counsel, to which a representative named XXXX replied that " We are currently reviewing your qualifying payments for Public Service Loan Forgiveness.  This is a manual process and can take a great deal of time. We understand it is frustrating to wait, and we apologize for not having a precise time frame for this process. At this time we have many requests of this nature and are working as quickly and accurately as possible to satisfy all requests. '' Other than that, I have received no response. I'm concerned that my loan forgiveness is not only inaccurate but that I have virtually no recourse in how long or even IF my payments will be corrected as the customer representatives will not speak with me about it and no one will email me back. It's preposterous! How are they able to deal with government-backed loan programs and run a business like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank makes error after error with my card and I get the fines and fees from their mistakes. 
In XX/XX/XXXX Citicard cancelled my credit card AGAIN due to an incompetence of one of their agents. It took a month for them to replace my card, but in the meantime, my car insurance, dive insurance, internet and XXXX accounts were cancelled. They kept lying to me on the phone and telling me that the new card would be sent via overnight mail to me when I was traveling for two weeks ... They outright LIED! They never mailed the card until after a month at my home address. 

In the meantime, I could not sign up again for the above accounts since I didn't know the new card number. Rather than tell me, the agents kept lying and saying that the card would arrive the next day. 

Now once again, since Citi has cancelled my card numerous times due to their own problems ... .hackers, mistakes, always another excuse ... .I have fines for my XXXX, and my XXXX has gone from {$19.00} to {$49.00} ... I had to keep getting delay waivers for my car insurance and I didn't have dive insurance. 

I have tried to call and write to XXXX numerous times. I get recorded messages at the exectutive escalations numbers, and when I called the regular number and reached XXXX, after putting me on hold for ten minutes, the call was dropped. I tried to log in ..on the phone app there is no way to write, and on the website, I was locked out for " invalid attempts '' with the incorrect password when my password is allegedly saved. So there is no way to contact Citi. I left voicemail messages for XXXX at the escalations department. 

I want the {$85.00} annual fee removed as I was told I would not pay after all of this nonsense, I want the {$10.00} in erroneous interest fees waved, and I want credits for the {$26.00} and {$60.00} overcharges I got for XXXX and XXXX due to Citi cancelling my card and not giving me the new card number to fix my autopays. 

Citi needs to be monitored for allowing so many errors to take place in their company on such a frequent basis.

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 2019-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: American Coradius International LLC
State: NC

Complaint narrative:
Hello, On XX/XX/XXXX I purchased a game system off XXXX for {$230.00} using XXXX. The seller cancelled the shipment and I received my refund on XX/XX/XXXX. The refund took a lot longer than expected but all was well. On XX/XX/XXXX XXXX charged me {$230.00} with the description " refund complete ''. It did not take money off my linked card number but my XXXX has a sitting negative balance. I received a letter early XXXX around the XXXX from " XXXX XXXX '' claiming I owe them {$230.00}. Is this company trying to scam me? Help me solve this issue. XXXX sends me through automated emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive also contacted the companies and they have answered and said they removed the inquiry but transunion is still showing the inquiry on my file IVE SENT THEM MANY MANY TIMES MY POLICE REPORT MY IDENTITY THEFT AFFIDAVIT MY DISPUTE LETTER ALL MY IDENTITY THEFT DOCUMENTS AND STILL NOTHING

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 2019-03-17 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: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
I have texted called emailed over and over i settled with one that i made 5 payments of XXXX its paid for they say say i owe more i settled with it i payed anther one in full XXXX and i made police report on the others for idenity theft. Hospital one i gave them my insurance it is still in the credit bureau needs taking out..

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