vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, Paypal took {$280.00} from my Paypal account and they can not explain why. I have called 16 times and asked for managers and supervisors over the past month and get different answers each time I call. They are trying to link it to a XXXX  XXXX, XXXX XXXX, who reserved our house back in XX/XX/XXXX. She paid a deposit on my Paypal account with a XXXX XXXX Credit Card in XX/XX/XXXX. Then she cancelled a few months later. We were out of the country at the time and could not refund her from my Paypal account because there were no funds in it at the time ; so we refunded her through my husband 's Paypal account ( XXXX XXXX ). When XXXX  didn't get her refund right away, she filed a dispute with XXXX XXXX, but then got the funds in a few days and cancelled the dispute the next day. Nearly 4 weeks after my husband paid her, Paypal took the funds from my account and told me they put it in XXXX 's Paypal account. For several weeks she looked for the credit and it never came. We have been in constant contact with her regarding this issue and she is also quite frustrated with Paypal who gives her different stories every time she calls too. She stated and proved to us and Paypal by sending a screen shot of her account that she never received the funds from Paypal. Also she sent to them and us proof that she got the refund from my husbands Paypal account and was not owed any money any longer. Then on XX/XX/XXXX, Paypal told XXXX  they sent the funds to her credit card by a " forced refund '' and that it would show up on her credit card statement by XX/XX/XXXX. It never did show up on her statement. Meanwhile Paypal told me they were " holding '' the funds to see what XXXX XXXX  would do with the dispute. XXXX sent them documentation proof that XXXX had cancelled the dispute. Each time one of us tries to refer to the others Paypal account, Paypal tell us they can not discuss anything with her or us since the other party is not on the phone and they keep telling me the same that they could not discuss anything since XXXX or my husband was on the phone and told him the same when he called about his payment to XXXX. 

Now, XX/XX/XXXX, Paypal claims that XXXX took the money from them because of the dispute and that they took it from me to recover their funds and told me to dispute it with my husband 's bank since he paid her from Paypal through his credit union. The credit union is confused and will not refund my husband because Paypal owes us the money. 

On XX/XX/2018, Paypal refuses to refund the money they took out of my Paypal account and I see no recourse for getting my money back. I have done research on the internet and found hundreds of similar and worse stories about Paypal. Seems no one is really regulating them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/18 I was made aware through XXXX that a company by the name of : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX OH XXXX ( NO PHONE NUMBER PROVIDED ) made an inquiry on my Transunion credit report. 

I mailed a written dispute directly to Transunion disputing the inquiry. All Transunion did was send me a copy of my credit report basically stating that it was a valid inquiry because XXXX XXXX provide Transunion with my address. 

It is not a valid inquiry! I have never had any dealings with this company ... ever. 

This company had no right to inquire on my credit report and I believe Transunion made no attempt to confirm this with this company. 

I also made several phone calls to Transunion trying to explain to them why this is not a valid inquiry and all they could tell me is that " HARD INQUIRIES STAY ON MY REPORT FOR TWO YEARS ''. 

Obviously, I would like Transunion to remove this inquiry asap or provide me with evidence of my signature that I applied for any credit with 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 2018-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
BBVA compass refused to honor {$200.00} signup bonus for opening a checking account and establishing eligible direct deposit. 

BBVA ran a promotion in XX/XX/2017. The detail of the promotion is : " BBVA Compass is offering a bonus of {$200.00} when you open a new checking account and complete the following requirements : Receive a direct deposit of at least {$300.00} within 60 days of account opening. '' I opened an checking account on XX/XX/XXXX and got the email on the same day. I set up direct deposit. For example, a direct deposit of {$5400.00} from my employer was successfully deposited on XX/XX/XXXX ( CREDIT FOR XXXX XXXX XXXX ). However, I have never received any {$200.00} bonus up to date. I've reached out to the customer service and talked to a supervisor ( XXXX XXXX ),  but she claimed that I am not eligible. 

Thus, I am filing this complaint, and I hope CFPB will be soon aware of this. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I am not liable for this debt as per FCRA requirements by law. Furthermore this debt does not belong to me and this is the first time I received anything about this.

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 2018-08-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is not reporting to equifax and is preventing me from getting a better loan right now I have paid for over a year now and nothing is being reported to equifax. My XXXX account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
JPL Recovery Solutions Date : XXXX Approximate time : XXXX XXXX   XXXX  JPL called my employer and had me paged whole I was working. Caller asked for my date birth and asked if I worked for my company. Said they were garnishing my wages - I have to ask who was calling and in what regard ; they did not identify themselves until I asked. I told them I was at work and could not accept personal calls on a company line. He continued to ask how I would like to pay. I explained several times that I could not discuss at work and offered another number to call after my shift. He continued to threaten wage garnishment and further action even thought I continued to explain I was at work and could not discuss. 

This call was overheard by several colleagues in an open setting, including supervisory staff and has potentially put me at risk of disciplinary action or job loss. It was on a recorded line used for company training and quality purposes. I explained it was on a recorded line and put me at risk and he continued to pursue his badgering/collection activity. 

He trained that they were already contacting my employer for wage garnishment ( nothing has been received that I was being served a judgement ), he did not identify who he was with until asked and implied they were legal representation or attorneys trying to collect a debt for XXXX XXXX. 

This drew excessive attention from the floor and conversation was overheard by several individuals I work for/with. I was even approached about it being from a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am an XXXX XXXX servicemember. On XX/XX/2018, I applied for membership and a Power Cash Rewards credit card with Pentagon Federal Credit Union. On the date I applied, I had recently moved from my prior XXXX XXXX in XXXX to XXXX, XXXX. 

On XX/XX/XXXX, PenFed member services instructed me to provide copies of a drivers license, utility bill, and social security card. 

On XX/XX/XXXX, I complied, providing a copy of my license, a utility bill, and my social security card. The drivers license I provided listed my address from my first military duty station ( XXXX XXXX, XXXX  ). 

On XX/XX/XXXX, I was told I needed to provide a notarized id, utility bill and social security card. I called PenFed and asked why. The agent I spoke with told me my old XXXX  drivers license was insufficient due to reflecting my old address. He told me that due to the PATRIOT ACT I would need to get a XXXX drivers license reflecting my current address. 

I then obtained a XXXX drivers license. 

On XX/XX/2018, I sent notarized copies of my utility bill, XXXX   drivers license, and social security card. I can provide these upon request ( not attaching now due to PII ). 

On XX/XX/2018, after multiple phone calls over several weeks to PenFed, I was told PenFeds Financial Intelligence Department could not verify my documents. I asked for an explanation as to why they could not verify my documents, and I was told they could not tell me why. I asked if there was an appeals process, and was told there was no appeals process. I asked to speak to the individuals supervisor. The supervisor told me my XXXX  drivers license looked fake, and that was the reason for the denial. I made it clear I provided my XXXX driver 's license, and told the individual he essentially was accusing me of lying. I offered to re-send all of my documents, offered to provide a copy of my military orders, lease, and military ID, but was told there was no appeals process and no method of recourse.

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 2018-08-27 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Despite two written requests, Wells Fargo Bank unverified item remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed. Specifically Naming " Wells Fargo Bank '' as an entity entitled to enforce a commercial claim against me. This debt is considered to be invalid until I receive proper validation and your office provide proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines.

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 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: UT

Complaint narrative:
I received a text message on Saturday XX/XX/2018 from XXXX stating I had new activity on my credit report. I signed into my report on XX/XX/2018 to see a new collection from Diversified Consultants Inc. posted on XX/XX/2018. The amount of the collection was for the exact same amount of money that XXXX XXXX XXXX had fraudulently posted to my credit report on XX/XX/2018. 

I immediately called XXXX directly and told the operator about my prior experience with XXXX XXXX XXXX and asked the operator to review the new collection from Diversified Consultants Inc. The Equifax operator confirmed that the new collection was from XXXX XXXX XXXX for {$300.00}. 

XXXX XXXX XXXX posted this same collection on my credit report in XX/XX/2018. I was informed via XXXX via text on XX/XX/2018. I called XXXX XXXX XXXX and the operator told me the collection was from XXXX XXXX XXXX and to call XXXX XXXX XXXX for more information. I called XXXX XXXX XXXX and the operator confirmed my account with them was in excellent standing and that XXXX XXXX XXXX had not sent me to collections. When I called XXXX XXXX XXXX back the new operator told me that the collection had been paid in full and that they no longer had a collection account for me. The operator gave me this information Account number XXXX Address XXXX XXXX XXXX XXXX, CA. 
I called XXXX XXXX XXXX back with the account and address and XXXX XXXX XXXX had no accounts under this information. 

I am concerned that both XXXX XXXX XXXX and Diversified Consultants Inc. are scams. 

Equifax is removing the new collection posted of Diversified Consultants Inc. over the next 30 days. I will not be making contact with this company due to the fact that XXXX XXXX XXXX has not sent me one notice in regard to my account, which XXXX XXXX XXXX confirmed they would do prior to sending me to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I couldn't find the appropriate category for this but this was the closest one since I believe credit reporting agencies are considered third parties. 

I phoned Fair Collections & Outsourcing on XX/XX/2017 to inquire about a collection account on my XXXX credit report. 

A couple of hours later, I received an alert that they had run an inquiry for an installment loan which I did not authorize.

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 2018-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: NJ

Complaint narrative:
I graduated from XXXX University back in XXXX, My degree was conferred in XXXX, My account was never updated until this year of me being a graduate, I have a lot of fees on my account and would like them to be removed so that I can get an apartment, they are not going to help with that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
That account does not belongs to me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is a corrupt collection agency. They reported a claim that was billed by a doctor with errors in 2015. They refuse to refill or erase. They're rude and crooks. Amount is not owed. They are collecting to collect without proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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 — Problem with personal statement of dispute
Company: Innovis
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove them, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2018, I made a call to XXXX  XXXX and made a {$990.00} payment for my father 's account ( co # XXXX XXXX. The representative took my payment and said there may be a small sum left over. A week or so ago I am called back by XXXX XXXX asking if I could cover the remaining of the balance. I informed her that I was not the account holder, and that this was my cell phone number ; never provided or gave them authorization to call. She asked if I had another number so I could reach my parents. I provided it, and ended the call. The next day she called informing me that she was trying to collect the payment. Again, I informed her this wasn't my account and that she needed to call the number I provided. Mrs. XXXX advised that there was a note to not call the number I provided, and asked if I could get a message over to my parents to have them call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018, I contacted customer service to activate a " lounge key '' program benefit that I was previously told I would be eligible for after XX/XX/2018. I contact XXXX at an XXXX Customer Service Call Center, whom initially told me there was no such benefit. After asking to speak to his manager, I was placed on hold for approximately 15 minutes and then told I would have to speak to the benefits team. 

I was then transferred to the benefits team and spoke with XXXX of the XXXX call center. XXXX did not provide her last name, employee ID number or Call Center City stating she is not allowed to give out that information. 

I was instructed by XXXX that I had to contact XXXX XXXX  in order to get this benefit activated. I explained to her that my credit card was not an XXXX XXXX card and that it was a XXXX XXXX XXXX - and XXXX  XXXX benefit - that required Citibank 's activation. XXXX placed me on hold for 10 minutes and then stated she could not assist me and that I would have to speak to customer service. I requested to speak to a manager and was told that no manager was available.

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 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion keeps putting information on my credit report, I have not been able to qualify for a mortgage because of this and even been unable to find employment. I would like all negative items, judgments, liens to be looked over and removed. I am currently living with other people and the address shown on the record are not my residents. They are just for mailing purposes.

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