vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 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 — Card was charged for something you did not purchase with the card
Company: Jim Bottin Enterprises, Inc
State: GA

Complaint narrative:
Son paid for one month gym membership, was told credit card will not incur recurring monthly charges. Come XXXX card was billed, when we called we were told cancellation will be processed and charges stopped. Billed again in XXXX and called gym yet again to find out what going on and XXXX XXXX who processes their payments. Gym claims he submitted paperwork and XXXX XXXX won't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020 I was notified by email and push notification on my cell phone that exactly {$500.00} cash was withdrawn at a XXXX location via my PayPal account. Per the PayPal application on my phone this happened at XXXX XXXX  PST. Within minutes after receiving the notification I contacted PayPal to let them know of the unauthorized transaction. They said they would open a case and it would be no problem getting my money back after they looked into it. 
After not hearing back from PayPal for days, I reached out to them. They told me that they could not prove any fraud and they had to deny my claim. They claimed they could see the transaction was done on my IP address that I have used to sign into Paypal before and they claimed it was done on my cell phone which I have used to sign into Paypal before. They also said XXXX is required to check photo ID when anyone does a cash withdrawal. 
I asked PayPal to tell me which XXXX the transaction occurred at. They told me they could not provide this information. I went to my local XXXX in XXXX  XXXX, California and they told me unless Paypal can provide the location that it happened they could not pull the security tapes to prove I was not there making any cash withdrawal. 
After calling Paypal back multiple times and explaining the issue they claimed to have reopened the case on two separate occasions. After giving them every opportunity to correct the issue and having them never proactively reach out to me to follow up on any of their investigations it is clear that in their mind no fraud has happened. 
I am the only person who has access to my PayPal account and I have not had an ID stolen or lost. I never even knew you could withdraw cash through PayPal at a XXXX and am 100 % certain this is fraudulent. 
After giving up on my attempts to solve this with Paypal I took to the internet to find any further information. One of the first things I came across after a quick XXXX search was this : https : //www.paypal-community.com/t5/Disputes-and-Limitations/Unauthorized-withdrawal-through-XXXX XXXX  This is a forum post on Paypals own forum website. Dozens of other people have had this same issue surrounding cash withdrawals at XXXX locations through their Paypal accounts. Most of them had exactly {$500.00} cash withdrawn as well. I brought this up to Paypal and they just dismissed it choosing not to even acknowledge its presence. They just say their team looked at the case and denied the claim. They claimed I was talking to the highest authority they had even after I let them know I was taking this to the consumer financial protection bureau if there was nothing else they could help with. 
Please help put a stop to this scam and let me know how else I can help to get this sorted out on a personal level and for potential victims in the future. 

my Paypal account is under my name and/or my phone number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FTC REPORT NUMBER XXXX PLEASE BLOCK FRADULENT ACCOUNTS ON MY CREDIT REPORT WITH EXPERIAN. MY EMAIL IS XXXX. 
XXXX AND XXXX  HAS LOST MY INFO. 

FRADULENT ACCOUNT IS XXXX XXXX XXXX XXXX XXXX {$610.00} $ TWO ACCOUNTS WITH DIFFERENT BALANCES PLEASE BLOCK FROM MY CREDIT REPORT. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA 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 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, and did not make the charges. I am requesting that the items be correct from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-02-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, and did not make the charges. I am requesting that the items be correct from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Crescent City Credit Recovery, Inc.
State: LA

Complaint narrative:
Crescent City Collections has contacted me twice concerning an unpaid medical bill for my son. During the first call, I informed the clearly intoxicated older woman on the phone, that I did not give payment information to people calling my home. She slurred, and cursed, and then hung up. My daughter answered the phone after this and tells me the same thing occurred. Today, the same lady who said her name was XXXX XXXX, called me again at XXXXalready intoxicated. I told her she had called me intoxicated and using foul language in the past. She told me her boss was not available. I will happily pay the bill after this is resolved. I believe this is in violation of what is allowed by collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
I purchased a home in XXXX with a VA loan through a company known as XXXX. The loan servicing company was Lakeview Loan Servicing. About 9 months into the loan ( XX/XX/XXXX ) we were contacted by Lakeview about a rate reduction refinance. As part of this offer they gave ; 2 months deferred payment, lower interest rate, reduced payment by {$700.00} per month, The payment to XXXX was approx {$2800.00}, this was reduced to {$2100.00}. 

It seemed like a legit offer. About 4 months after we agreed ( XX/XX/XXXX ) I received a notice from the county tax office that property taxes were due. This was part of our original loan agreement with XXXX. 
Lakeview was notified and the taxes were taken care of in XXXX. I have now received notice from Lakeview that the escrow is short {$5500.00}. They are effectively now trying to recover XXXX taxes and XXXX taxes. These funds should have been paid through the original loan agreement. 
Now they are trying to increase my monthly payment {$770.00} per month. We can not afford to take this additional cost. I believe they made a predatory loan offer knowing that they could not offer a better deal on the XXXX loan so they intentionally mislead the offer to make it sound better. 
I was unemployed for 7 months in XXXX and just now returned to work at a much less of a salary. We have been able to pay the agreed upon loan at {$2100.00} but can not afford to that much of an increase. 

The amount actually given to principle is only {$500.00} per month, it is ridiculous that they collect that much and can not pay the taxes and insurance and still make a substantial profit over the course of the loan. 
I need help to make this right.

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 2020-02-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I found unverified items on my credit report and according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( 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 above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the XXXXivil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. 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 the accounts listed below. I demand the following accounts be verified or removed immediately. 

1. XXXX, XXXX XXXX XXXX  2. XXXX  XXXX XXXX 3. XXXX XXXX  XXXX XXXX 4. XXXX XXXX  5. XXXX XXXX XXXX 6. XXXX  XXXX XXXX  XXXX  I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section1031 of the Dodd-Frank Act ) Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I found unverified items on my credit report and according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( 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 above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. 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 the accounts listed below. I demand the following accounts be verified or removed immediately. 

1. XXXX, XXXX  XXXX XXXX 2. XXXX  XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. XXXX  XXXX  XXXX  XXXX I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section1031 of the Dodd-Frank Act ) Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time I ever had identity theft. I am not sure the reason behind this, but I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these items for my account as soon as possible. 

01 XXXX XXXX XXXX XXXX {$86.00} XXXX   XXXX {$58000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
These are inquiries that were not authorized showing on my report XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 a lady named XXXX XXXX called 3 family members. Violating confidential information by telling one of them that she was going to 1. ) sue me for an old debt that I have with 2.  ) Key Jewelers also 3. ) giving the amount that I owe. Giving all info to a third party is illegal and against the Fair Debt Collection Act. 

When I called back and spoke to XXXX, She was not satisfied with me not being able to pay for the debt at the time, she threatened me twice by saying she was going to take me to court and sue me. When asked for an address to send correspondence to, she refused to give it. Making threats is also against the Fair Debt Collection Act

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 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
Why does the Target MasterCard hold your payments hostage for almost *3 weeks* without releasing your funds? How is this possible when my credit card accounts with XXXX XXXX and XXXX take no more than 2 days *at most*? How can this company take {$980.00} ( paying in full, early ) out of my bank account on XX/XX/2020 and not release my funds for 17 days?! What is the point of this " use it everywhere card '' if I can't use it? 

I made a second payment ( in full, early ) for {$1300.00} on XX/XX/2020 - my funds are immediately removed from my bank account, and then I'm told it won't clear until XX/XX/XXXX?! 

I was warned by XXXX I was " hitting the limit '' of my card, which caused a significant drop in my credit score, and its simply not true. I paid - IN FULL, AHEAD OF SCHEDULE - twice, and my funds are held hostage for so long it considers it to overlap and deny the use of my card for several weeks. Go ahead, check my credit history - its good. Im never late and I don't owe. 

This company was happy to immediately rip {$2300.00} out from my bank but can only tell me " there are lots of factors why [ my funds ] aren't available '' - but when asked, they fail to tell me what they are " because we cant see '' what effects my account. So who CAN see? No one?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
This is the second time I have reached out for your assistance but I have not gotten any responses. I have been trying to modify my mortgage for over two years to make the payment more affordable. No payments have been accepted by them during this time. 
I was finally told in XXXX they would modify my mortgage and the payment would INCREASE due to the amount it was behind. I agreed to this. I was asked to submit paperwork and did. Several days later, I was contacted and said that was a MISTAKE and my relationship Manager should not have told me that. Since that time, they keep sending me info about foreclosure and a hearing is set for XX/XX/ 2019, not a sale date. At the same time, they assigned me a new Relationship Manager who knew nothing of my case and has not helped at all. I talked to the Ombudsman Dept who offered to have me pay {$25000.00} a month and XXXX down which I can not do. I countered with XXXX ( which is a double payment ). They said they would get back to me. Now, I am being told the " investor '' wont allow it. I called the investor and was told this is incorrect info. I also agree that I would sell my home if I had too but this " hearing '' should be stopped. No one is responding to me and the info I have been given time after time is inaccurate. I cant cure the past due because they have ruined my credit score during this. And are ignoring me and telling me lies. I am in the business and understand the huge amount of errors that have occurred. I need help either having them give me six to nine months to sell my home and they can be paid off completely or them accepting the {$8800.00} payment I have offered to catch this up. The left hand does not know what the right hand is doing and even the atty they hired has made many huge mistakes and compromised my privacy. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These are inquiries that were not authorized showing on my report 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 explanation