vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, I sold an item ( Item # XXXX ) on XX/XX/2018 via XXXX and provided the correct tracking number ( XXXX XXXX ) to XXXX and the customer. After the sale, I received three frantic emails from paypal saying my tracking number was invalid. I logged in an realized the number was correct and needed no updating. I also realized that XXXX asks for tracking numbers not paypal. I called PayPal and was told that the number was valid but was being seen as invalid for some reason. XXXX was blamed for not transferring the number over correctly. XXXX instructed me to send my merchandise but PayPal froze the funds. I thought that once the item was delivered the invalid number glitch would resolve itself. I contacted PayPal and was told that XXXX was asking them to hold the funds and that a new rule stated that they could not manually release held payments. I called XXXX, XXXX flatly denied Paypal 's statements. XXXX denied holding funds or having rules against manual releases. 
Multiple excuses were given. 

1. " It's a glitch that will be corrected if you update the ( already correct ) tracking number ''. 2. " XXXX is forcing us to hold your money '' 3. " XXXX transferred the tracking number over incorrectly '' 4. " A new XXXX rule prohibits us ( paypal ) from manually releasing funds. 

5. We are not holding your funds.

6. " Just wait until XX/XX/2018 it will be released ''. I was calling them on XX/XX/2018. 

7. We have no ability to transfer your call to a supervisor or an American agent. 

On XX/XX/XXXX I had an XXXX  representative on the phone when I called PayPal. The paypal representative quickly realized blaming XXXX was not going to work so she removed the hold, after a very long wait. I asked her why the funds were held under several false pretenses, she stated that PayPal can randomly hold funds if they think there is a security risk. I don't understand the risk, if it was paid for and a valid tracking number was provided. I feel I was caught in a difficult spot. XXXX is telling me to ship paid for, trackable merchandise and PayPal is keeping the money and misleading me regarding the reason. I am expecting retaliation regarding my complaint. What I thought was an innocent glitch, turned out to be much more troubling. The behavior is both fraudulent and time consuming. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 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: CITIBANK, N.A.
State: GA

Complaint narrative:
CBNA allowed a credit card to be opened in my name as a result of identity theft. My credit file was compromised as a result of the XXXX  Data Breach, and many accounts were opened in my name with out my permission or authorization. I have contacted CBNA about this matter and have never been allowed to speak to anyone. Every time I call I have been told that if I did not open the credit card that they would not be able to speak to me. This has been going on for months and they have this false information listed on my credit file. I have again notified CBNA as best I could by phone and I have mailed a letter into their coporporate office and received no response at all. This credit card was opened fraudulently and has nothing to do with me and I have never received or used a CBNA card.

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 2018-07-11 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: World Acceptance Corporation
State: SC

Complaint narrative:
This company is in violation of FCRA. I've called their business numerous times, left voicemails and been hung up on. They are reporting on my credit reports under two different names for 1 loan at 1 company. Because they DBA more than one name or have subsidiary companies they feel it is okay to report a loan more than once under each name. I had 1 loan paid off and isn't reporting, then I had a loan that was charged off. It is the charged off loan they are reporting with both company names. The loan was paid to the collection company already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

Transunion : current status is listed as Charged Off as bad debt 1 late payment reported forXX/XX/XXXX XXXX : current status is listed as Settlement Accepted/Charge Off Account 2 late payments reported for XX/XX/XXXX & XX/XX/XXXX XXXX : current status is listed as Transferred to another lender 6 late payments reported for May, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Due to these inaccuracies I request that this account be deleted from my credit report, following my rights under FCRA Section 623. 

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.

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 2018-07-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

XXXX : current status is listed as Charged Off as bad debt 1 late payment reported for XX/XX/2017 Equifax : current status is listed as Settlement Accepted/Charge Off Account 2 late payments reported for XXXX & XX/XX/2017 XXXX : current status is listed as Transferred to another lender 6 late payments reported for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2017 Due to these inaccuracies I request that this account be deleted from my credit report, following my rights under FCRA Section 623.

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

XXXX : current status is listed as Charged Off as bad debt 1 late payment reported for XX/XX/2017 XXXX : current status is listed as Settlement Accepted/Charge Off Account 2 late payments reported for XXXX & XX/XX/2017 Experian : current status is listed as Transferred to another lender 6 late payments reported for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2017 Due to these inaccuracies I request that this account be deleted from my credit report, following my rights under FCRA Section 623.

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.

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 2018-07-11 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:
I recently submitted an identity theft report to Experian regarding inaccurate information that was reported on my credit profile. I enclosed my Driver 's license and social to identify who I was. A week later, I received an email stating that they needed more information and to submit documentation that I HAVE ALREADY SUBMITTED. Can someone assist me with this matter?

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 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against PRO COLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 2018-07-11 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: DE

Complaint narrative:
Fraud Inquiries on my credit report not Authorized by me from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX and on XX/XX/2018 from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed incorrect addresses and names on my credit report with Experian multiple times.

Currently Experian is reporting multiple addresses for me that do NOT belong to me. I have no accounts on my credit file linking to any of these reported addresses. I have supplied my ID multiple times and they still refuse to correct the issue.

My credit report is reporting 2 addresses for me : 1. XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX these addresses DO NOT BELONG TO ME. I should only have 1 address reporting and thats XXXX XXXX XXXX XXXX, PA 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 non-monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JUSTICE FINANCE COMPANY
State: TX

Complaint narrative:
On XX/XX/2018 I applied for a loan with Justice Finance, they took my information and stated I would get a call back. XXXX, the manager ; called back stated that he was not going to loan to me because he knew my coworker and she was in bad standing with the company. XXXX then stated my coworkers name and that the co worker did not pay her existing loan so that why he would NOT he give me a loan. XXXX told me that I was guilty by association and chuckled. To my understanding this is a Act of Equal Credit Opportunity, I feel discriminated against. I was NOT Provided with  a notice of DENAIL.I requested a notice of Denial and they will not give me one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 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: Informative Research
State: WA

Complaint narrative:
I have made several calls to XXXX. this is not my account. they confirmed this is not my account, but it is showing up on my credit report. The bank is not wiling to confirm an account they do not have, and the credit bureau is not able to update without a confirmation of the account. it is a silly game back and forth on an account that I never opened. Please help me get someone to fix this injustice. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
PROBLEM : Two Failures to disclose terms and costs for home mortgage of $ XXXX closed on XX/XX/XXXX : 1. From the outset we requested and reiterated our need to pay down the mortgage to achieve lower monthly payments, without penalty. However, CCM failed to disclose their loan terms would deny partial payments which we had to discover on the Closing Disclosure Doc. Morgage company threatened we could not close on time unless I signed that document as is, advising that we could instead probably recast the loan in payments of $ 10K+ for a fee of maybe up to {$600.00} depending on the terms of who they sold our loan to and whomever might repurchase it later. 
2. We requested the loan be held by my Trust rather than me individually. The Company had agreed but instead required me to hold the loan individually. This was not disclosed and only discovered at the closing in the final loan docs. Again, I was forced to accept this adverse, undisclosed change in order to move in on time even though they had confirmed that my trust could hold the mortgage after my attorney attested that my trust provided full power to buy and sell real property as required by their underwriters. 
I advised the Company of these failures and have had no response. Documentation of the above available upon request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXX XXXX has consistently harrassed me when my payment is one day past due my payments are {$53000.00} per month, If the payment is one day late they will e-mail me and say that I am two payments past due. I wrote the CFO in XXXX about on several occasions to no avail. I am old school ( XXXX years old ) and have purchased many cars there has always been a ten day grace  period from the due date. 

My account number isXXXX Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
My account with XXXX XXXX is past due in the amount of {$810.00}. At XXXX XXXX   central time XXXX XXXX XXXX telephone number XXXX XXXX   and XXXX who claimed she was the Manager spoke to my wife and told her how much the past due bill was. She inform them that they were not allowed to discuss my personal debt with her and they both continued to say it was ok and that because she my wife they could discuss the matter. I never gave them permission to discuss my debt with anyone. They said the phone call was being recorded and they did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have an account with PNC Bank. My purse was stolen and it had my debit card, license and other important mail, papers, bank documents which had my pin for my debit card was written on a piece of paper which was inside my purse. I noticed unauthorized charges on my account. I had reported my card stolen and disputed the unauthorized transactions that I did not make. I was given a provisional credit for some of them but not for 3 of them which remain on my account along with several fees related to these charges that I did not make. The unauthorized charges that have not been fixed are as follows : Date-XX/XX/2018- XXXX XXXX in the amount of {$100.00} Date-XX/XX/2018- XXXX XXXX in the amount of {$100.00} Date-XX/XX/2018- XXXX XXXX in the amount of {$50.00} There are also several fees that I have been charged as a result of these unauthorized transactions. 
I have spoke to pnc bank several times regarding this and the last person I spoke with assured me that they would get this resolved. Then I received a letter in the mail stating that they found no error in the dispute. So I called pnc back and they told me they were going to redispute these charges for me that I did not make. but they didn't do that and my account still has these charges on it along with several fees including overdraft fees related to these transactions. I would like my account to be fixed but they still have not fixed it by removing the unauthorized charges and all of the fees that I have and are still being charged for related to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I had no knowledge of this account. I have talked to the original bank, several times. Filed a dispute several times. To be told it was finally resolved. Kept checking and then was told it was not. I cant send them any information, because I have no knowledge of what it is!

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 2018-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Frost-Arnett Company
State: KY

Complaint narrative:
XX/XX/2018 sent out an itemized bill with services listed, violated HIPAA laws Debt for {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I opened a Bank of America card. Made 1 purchase. Made a payment-got a letter a week later that my bank reversed the payment. I confirmed that my bank did not reverse any payment and in fact BOA did not attempt to take a payment at all. This has now happened 4 times. I call a live person at BOA to confirm my account information and they process another payment, give me a confirmation number, then I get a letter a week later, my bank reversed the payment. I have several thousand dollars in my account and BOA has my correct payment information. BOA is not taking payments and then tacking on late fees and reporting me to the credit bureau. I have excellent cred and this is affecting my credit, costing me fees, causing me extreme stress, and I am spending a ton of time on the phone with BOA and never get anywhere. It appears that I have not made a payment in months!! I am at a loss and have never had this problem ever! I feel this is intentional and fraudulent to get fees out of me and the problem is not me. I just want to pay by bill! 

I recorded all calls with BOA

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 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Financial Group, Inc
State: VA

Complaint narrative:
A membership was purchased under the pretense that we could cancel at any time. After three months of paying on time I decided that the membership was no longer useful and notified them in writing which they requested that I would be canceling it. After several months they send a letter saying I still owe a balance and it would be turned over as a debt if I didn't pay said amount.

Company response to consumer: Closed with explanation