vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates, ( XXXX ) from the original creditor : XXXX XXXX. 
Account Number : XXXX Merchant : XXXX They have failed to show anything bearing my signature with a valid Identification. They will not work with creditors to take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My name and social security number got into the wrong hands through a contact of my son 's ( he is house bound and has several cyber contacts ). 

This was a scam and the perps. are using my info. to open and close accounts. 
I am working with my credit bureau - but they don't seem to have an answer as to how I can keep these people from opening and closing accounts in my name.

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 2019-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
My friend asked me on XXXX if I could loan her {$50.00}! She sent me here email that was attached through XXXX ( But partnered with Wells Fargo ) and I carried out the transaction. Nearly 5 minutes later I find out her XXXX was hacked and has been asking people to send her money under the email so I immediately contacted wells fargo and they couldn't do anything about it because it already went through ( but it was in less than 30 minutes and they said it takes at least 30 minutes for transactions to work on their site ). I asked if I could report the account on the other end receiving the money because they are posing as another person who isn't who they say they are and the Wells Fargo representative said no ... which didn't make sense because I have the email of the person with the XXXX account so it would be in the best interest for a report to go to WF on this Wells Fargo account that is attached to XXXX. I sent a contact form to XXXX and have not heard back. I am out {$50.00} from a person posing as my friend.

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 2019-06-26 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: OH

Complaint narrative:
Please see the 5 BK 'S on my credit report that have been removed and replaced back on my credit report. Dates removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX  BANKRUPTCY

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 2019-06-26 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: OH

Complaint narrative:
Please see the 5 BK 'S on my credit report that have been removed and replaced back on my credit report. Dates removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted Experian XX/XX/XXXX to dispute a public record Bankruptcy showing on my credit. Experian informed me the information was verified and referenced XXXX. I disputed again XX/XX/XXXX, and was advised the item remained unchanged from the processing of my previous dispute. I also disputed incorrect addresses and names in XX/XX/XXXX and XXXX of XXXX. I disputed these items again XX/XX/XXXX. Incorrect information still remains on my report. My information was suppressed from XXXX in XX/XX/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 2019-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/2019 I made a purchase of tickets on XXXX. One of the payment choices was PayPal, so I chose PayPal and when I was redirected to Paypal I selected the PAYPAL CREDIT option for payment. This option allows you to use a predetermined line of credit to purchase items online. Since I had available credit of XXXX and I was trying to charge XXXX to the line, I knew it would be ok. I followed the prompts and eventually I was returned to the XXXX XXXX site and completed the transaction. About 25 minutes later I realized I had purchased the wrong tickets. SO, I called XXXX XXXX  and was told no refunds but that I could try to resell the tickets on their site. I wondered if I might have some relief from PayPal so I contacted them. When I described the transaction, the rep from PayPal told me that her records said that I did not use Paypal credit to complete the purchase but rather that the purchase was made using my checking account instead. Now it is true that my checking account was the default payment source but I had EXPRESSLY selected PAYPAL CREDIT to be the payment source for the ticket transaction. I pointed out that I felt this was an unauthorized debit against my checking account as I had only intended to charge this purchase. I pointed out that nothing warned me that my checking account was about to be debited. After checking with her support team she reported back that their had been a 'reported glitch that apparently resulted in some people selecting PayPal credit only to have the payment debit another source instead ''. She said that it was because of some kind of merger or transition involving XXXX XXXX. I guess XXXX is the bank that provides the PayPal Credit account. I accepted her explanation but asked what they were going to do about it. She said there was nothing she could do. SO the effect was that PayPal ignored my direction to charge the purchase to the Pay Pal credit account but instead used my checking account to pay for it. Mistakes are made but what has me angry is that there was no effort to solve this problem. I later attempted to purchase another set of tickets using Pay Pal credit, and I was crystal clear about my selection to pay using the Pay Pal Credit account and it definitely did not work the second time either. When I called PayPal support about the second instance, they said there records showed that I selected the bank account for payment. I am absolutely certain that in both cases I had selected Pay Pal credit as the payment source. They simply do not believe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been 6 months sending paid in full balance letters from XXXX XXXX XXXX XXXX, XXXX XXXX   / XXXX XXXX and XXXX XXXX XXXX in order for Experian and XXXX credit bureaus to remove and delete permanently these accounts from my credit report. XXXX deleted and removed these account since XX/XX/2019. It is impossible and completely unfair that experian and XX/XX/XXXX received the same letters and the same information and these accounts still showed on my credit report. I am going to attached the credit reports from XX/XX/XXXX on XXXX and the one on XX/XX/2019 in order to demonstrate how these accounts were deleted and removed permanently. I am still disputing and waiting for XX/XX/XXXX and experian to removed and deleted these accounts, these should had be done the same date that XX/XX/XXXX delete and removed them completely, I even have a membership with Experian and XX/XX/XXXX in order to be constantly disputing and sending the same documents via fax, mail, email, I have register on this 2 companies website Experian and XX/XX/XXXX and I even upload the same letter into their web site. How much money do I have to waste in order to get this issue resolved. I even register with XXXX XXXX credit repair services it has been unsuccessful

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 2019-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid Chrysler capital {$27000.00} and paid off My XXXX XXXX 2017. Since then even though I called and requested them to release my title, they didn't send me. 
As a result I am unable to Sign a contract with XXXX  XXXX. XXXX XXXX was interested to give me Bussienss. 
Chrysler Capital is not bothered at all to send me my title which I have right to have it. I need my title ASAP. 
thank you very much XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
AS STATED ON MY PREVIOUS COMPLAINT, EXPERIAN REFUSES TO HANDLE MY COMPLAINT AND UPDATES WITH THE FALLOWING " Thank you for submitting your complaint on XX/XX/2019, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. Unfortunately, at this time, we are unable to process your disputes, as they are not specific. If there is information appearing on a credit profile that is believed to be inaccurate or incomplete, we must have a specific dispute. We are in the process of mailing you a current copy of your personal credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. In order to properly address your concerns, please contact Experian directly with your specific disputes, along with the names and/or account numbers of the items being disputed, and we will proceed accordingly. '' i WILL GO AHEAD AND ATTACH DISPUTE HERE SO WE CAN GET TO THE BOTTOM OF 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 2019-06-26 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: TX

Complaint narrative:
I HAVE SUBMITTED NOT ONE BUT VARIOUS DISPUTES, AND HAVEN'T NOT FIXED THE PROBLEM

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 2019-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
As of XX/XX/XXXX I notified navient student loans to have my payments deferred because I'm currently enrolled in school. It was successful but on my credit report it's showing navient as being delinquent 3 different times but when I go on there web site it's showing that I have a XXXX balance. It also shows that will I will not owe anything for some of the loans until XX/XX/XXXX and XX/XX/XXXX. I'm so confused because it's dropping my score fast and it's extremely low because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: TX

Complaint narrative:
I HAVE SENT VARIOUS DISPUTES, TO EQUIFAX AND HAVE BEEN IGNORED MULTIPLE TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been 6 months sending paid in full balance letters from XXXX XXXX XXXX  XXXX, XXXX XXXX   / XXXX  XXXX and XXXX XXXX Bank in order for XXXX and Equifax credit bureaus to remove and delete permanently these accounts from my credit report. XXXX  deleted and removed these account since XXXX XXXX. It is impossible and completely unfair that experian and equifax received the same letters and the same information and these accounts still showed on my credit report. I am going to attached the credit reports from XXXX on XXXX and the one on XXXX in order to demonstrate how these accounts were deleted and removed permanently. I am still disputing and waiting for equifax and XXXX to removed and deleted these accounts, these should had be done the same date that XXXX delete and removed them completely, I even have a membership with XXXX and Equifax in order to be constantly disputing and sending the same documents via fax, mail, email, I have register on this 2 companies website XXXX and Equifax and I even upload the same letter into their web site. How much money do I have to waste in order to get this issue resolved. I even register with XXXX XXXX credit repair services it has been unsuccessful

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Opened a card to pay XXXX bill for XXXX for my XXXX. Had my own card to pay with but XXXX  suggested Wells Fargo interest free for 6 months and did not need to start paying off balance immediately. Had trouble logging on and setting up online payments a few times and called to get help. Sent to multiple departments and disconnected 2 times. Finally told me I was in collections! Had no idea. Company sent me to collections because I was late 3 month of payments and I had no idea. Never called or emailed. Claimed they mailed a letter I did not receive. Then tole me I owed {$500.00} on a {$6000.00} cred balance to be removed from collections!!! I have a {$10000.00}. card I pay {$250.00} on. {$500.00} payment is outrageous. Asked to have my billing cycle start over so I can start making payments regularly because I was not aware I was 2 months behind as I never received notice. Then in formed me I had a retail card and was being charged multiple minimums at once?! Tried o call back again to resolve because I was working and person from collections was condescending while I was trying to restart cycle. Called another time ... woman was very nice but collections never answered and on hold over 20 minutes. She told me to call another time. Now I have negative marks on my credit due to them and this scam card and no resolution with their sending me to collections in 2 months without warning.

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 2019-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: NM

Complaint narrative:
I Received another attempt ( # 3 ) to secure payment on a medical bill from CMRE Financial Services, XXXX, CA, that is not mine to pay. Identified individual on the statement is not me. The account of the identified individual is XXXX. AlthoughI have the same first name, I have never had the last name, XXXX. A previous collection attempt by this company was labeled on the enveloped Return to sender, addressee unknown and placed in the US mail for return delivery a year ago.Below is the companys address and listed telephone number. 
CRME Financial Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA. XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
An XXXX  XXXX  XXXX  in XXXX XXXX FL overcharged my credit debit Visa card with Wells Fargo banking account. 
I immediately let the manager know that I was dissatisfied with the service and amount charged was incorrectly billed. 
This was supposed to be resolved. fast forward to Wells Fargo banking, I was issued a temp credit for {$190.00} Then it was taken away, then put on as a credit then taken away. I was told via email that the bank was on my side, bank tellers promised me credit will stay on and today {$190.00} was taken from my account again and I was told by Wells Fargo XXXX, that visa refused and bank is recharging me ; I feel cheated, lied to, and victimized by my bank and this unscrupulous vendor.

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 2019-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HOMETRUST MORTGAGE COMPANY
State: CA

Complaint narrative:
Was applying for a mortgage refinance through Hometrust Mortgage, representative XXXX XXXX XXXX, and submitted ALL the requested documentation. On XX/XX/19, he took it upon his self to run my credit report without my authorization, or siganture even though I had forwarded him a copy of a credit report that was pulled on XX/XX/19 by another mortgage lender that I had been in previous contact with. Upon attempting to have the unauthorized credit pulls preformed by the bureaus on XX/XX/19, it was discovered that I had credit freezes from previous identity theft on my credit reports, and that I would have to have the freezes removed! 

At that point, he started acting discriminatory with his customer service conduct blowing off my phone calls, and email communications when I clearly was attempting to contact him to confer with why he had not communicated that he was going to request a credit pull, so I could inform the bureaus to remove the freezes. This went on for about 5 days until I sent a text message to his friend XXXX from XXXX XXXX who referred me to him. After seeing the text he contacted me at XXXX XXXX basically saying XXXX me, and my loan file, in addition to racially disparaging me which I have documented text communication of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
this pertaining to Equifax Credit Bureau- i XXXX XXXX XXXX have been fighting Equifax for about 3 years. I believe that they have let the thieves take over my Account everything is Derogatory. I finally got to see the equifax Report through XXXX  website it is a Horror. The first incorrect Serious Delinquency- Totally incorrect- I have none 2. Short Account History- My Account History is 12-14 yrs with XXXX XXXX XXXXXXXX 3. Few Accounts Paid On time- EVERY ACCOUNT PAID ON TIME 4. Then Contradiction- Bills Paid on Time Recently- I PAY MY BILLS ON TIME ALL THE TIME.

So it Appears someome else is definately posing as me. XXXX i was pickpocket shut down all the immediately. Filed police report. 
All Credit Bureau 's put Fraud Alerts.May XXXX i gave first person all correct info, next tells me that i'm not me. I have ask twice for my credit they refuse to send. I sent in all Identifying Marker 's. Twice still ignored. I'm very ill i sent in proof of that also. They refuse to answer me because they think i'm the crook. XXXX and XXXX have my Credit Exact with same Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a levy notice last year from my bank that Midland Funding had attempted to attach my bank account due to a levy. They followed up with a settlement letter. I contacted Midland Funding. They informed me that they had purchased the debt from XXXX XXXX for a credit card I had that was charged off in XXXX. I asked the representative how they could collect on a charged off account on a credit card that was over 4 years old. He informed me that they had filed a judgement that was good for 10 years. I informed him that I was never made aware of this until the levy notice. He told me that they had sent a letter to XXXX XXXX XXXX XXXX CA. XXXX. I told him this was my parents old house, and I had not lived there since XXXX. I asked him how I was to have been legally notified of such a severe financial matter if they had mailed a letter to a residence I had not lived at for over 20 years. He put me on hold. When he returned he stated the same information previously stated and asked if I wanted to pay the debt. I informed him that I did not feel this had been handled in a legal manner and that I was going to seek more information or legal counsel. That was the last conversation I had with Midland Funding last month.

Company response to consumer: Closed with explanation