vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On Monday XX/XX/XXXX I was contacted by XXXX XXXX about purchasing concert tickets to XXXX XXXX. 
Several text messages were sent and he also called from XXXX Phone number. I wrote up an invoice and sent him the tickets.He paid through paypal. He accepted the tickets. 
I have a record of the text messages and receipts of him accepting the tickets. 
On XX/XX/XXXX he went to his Visa card and took the money back saying it was unarthorized use of his account. I sent paypal all the text messages and statements which they sent to Visa. 3 weeks after the concert the guy is scamming to guy his money back. I need my {$290.00} back. 
The phone number is his. He answers to it. Visa is scamming to. 
I need Visa and XXXX XXXX Address to go to court. 
I also filed police charges on XXXX XXXX. 
I am sending the text messages, Accepting ticket receipts. 
Paypal won't release which Visa bank took the money. 
They just took the money away from my account with no documents or anything from Visa and the Bank that Visa is using. 
Without that proof it is fraud on the part of paypal. I have no documentation and they refuse to give me any documents reguarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX reported that I was 30-59 days late on my account. This is impossible because I set up auto-pay through their website. In XXXX of 2019, their system made a mistake and withdrew two payments from my bank account. One on the XX/XX/XXXX and the other on the XX/XX/XXXX. I only authorized one payment. When I called, the rep told me that their system made a mistake and they would credit my account. In XXXX of 2019, their system made the same mistake and withdrew two payments again from my bank account. One on theXX/XX/XXXX and the other on the XXXX of XXXX. I only authorized one payment. I called and the rep apologized again and said they would credit my account. This time the rep said they were going to cancel the autopay and asked me to set it up again. So later that day I set up the autopay. I noticed earlier this month that my account was late when checking my credit report. I called XXXX and they told me I needed to make a payment because I was late. I asked them how if I set up autopay. They told me to visit a branch. I went into a branch and made two payments, which they said I was late. Once again I asked how if I set up autopay. They told me I entered the wrong bank account number. This is impossible because I entered the same bank account that they withdrew the 4 payments out of ( 2 of which were unauthorized ). I explained to them that their system must have a made a mistake, since I experienced issues in the past. They said no I was wrong and that their system doesn't make mistakes, even though it did in the past. I never received a phone call, voicemail, or letter in the mail notifying of an issue with my account. When I asked them why, they said they did call. I asked them which number did they call and they gave me a number that has never been associated with me. I explained to them that this wasn't fair and I shouldn't be punished because of their system error. They told me oh well and their is nothing I can do about it.

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 2019-11-18 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: CA

Complaint narrative:
I submitted a dispute on a collections account that is over 10 yrs old I dont owe the original creditor and is inaccurate reporting against me. 

Equifax said I used a credit repair company which I did not and refuses to acknowledge my complaint. They have no proof I used any company and I am willing to swear under oath I did not and they have absolved themselves of responsibility to fix the errors Reporting against me. 

My credit has suffered due to this error in reporting and I am concerned at the lack of care on the part of Equifax to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC
State: FL

Complaint narrative:
When shopping for a brand new home in XXXX XXXX, XXXX XXXX, Florida - all the Builders steer all mortgage loans to their own Lender and I have been using someone else. Unfortunately if I do not want to use their Lender I have to forfeit a {$7500.00} credit back to me towards about {$10000.00} worth of junk fee 's the Builder is charging me - just to make sure I use their Lender. I went to XXXX and XXXX, XXXX, XXXX, XXXX and all the builders there are doing it! I thought steering was illegal? I am being forced to use the Builders Lender no matter what Builder I choose - they are all doing it!

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 2019-11-18 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
There are two fraudulent inquiries on my credit report with Experian that I did not request nor authorize and Experian is refusing to remove the inquiries. 

The inquiries are : XXXX XXXX XXXX XXXX  XXXX  XXXX I talked to Experian on XX/XX/2019.

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 2019-11-18 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: CA

Complaint narrative:
This Bk does not belong to me and it's ruining my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recoveries, attempted to collect a debt that was charged off and closed by XXXX XXXX in XXXX. Had them remove the damaging claim 3 time between XXXX and XXXX. But every 3 months they post it to my account causing my credit score to drop each time from fair to poor and may have been responsible for me not getting hired in management jobs between XXXX and XXXX where good credit is a primary factor., They repeatedly called me and harassed me by mail after I requested them to cease and desist. I have also had my legal representative send them a letter The Company responded by sending me the collections letter to me new address. Their new tactic is putting a new purchased date on the account even though the account has been charged off for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
They keep charging a late payment of {$38.00} and a {$150.00} past due amount ... due to the payment not being made on before the XX/XX/XXXXof the month ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Windham Professionals, Inc.
State: MD

Complaint narrative:
I have paid my student loans off when I worked for a Fortune 500 company. But received collection letters for student loans I asked for proof of loan signatures and discovered that they had included with my SS # loans for {$11000.00} and over for someone with just my same initials but clearly not my name. I sent information to the Federal Student Aid in XXXX, Georgia, but I believe that the information I sent did not reach them but was intercepted because I never received a response to my dispute of these charges. My payroll check has been garnished unfairly for someone else 's debt. I can not afford to pay for anyone else dept. I have proof that this was added put am still over a year later paying from each check over {$160.00}. Please help me to resolve this once and for all. 
I have had a lot to take care of and have let this slide because I can not deal with all of this and try to function daily. I recently lost my mom whom I was the primary caregiver. 
I have tried to deal with this when I was in a tempory position but still, this position only pays {$15.00} hours. Help me to get this garnishment stopped..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2018 I contacted by certified mail XXXX and their hired collection agency EOS CCA and asked them to produce validation of said debt. They did not respond even though the certification was delivered on XX/XX/2018 and signed by a party from their company. They are stating that the debt owed is {$1500.00} in which i asked them to give a break down of equipment versus usage charges in which they refuse to disclose. All equipment was returned to their XXXX Site and they hand delivered and emailed that the equipment was received. I than asked for validation information pertaining to said charges that are " still due '' but they refuse to disclose and/or produce documentation. They have resold the account to XXXX  XXXX  who has also refused to disclose requested information about any updated information and their validation of this said debt of {$1500.00}. I have called XXXX on several occasions but to no avail they leave me on hold for hours without addressing any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
My home is in foreclosure. 
In XXXX of XXXX, SLS Mortgage was sent an offer for the purchase of my home, with an approved buyer who had the funds ready. An offer of {$340000.00} was made. The company said the offer was too low. They also advised the house was worth {$410000.00} after they had done an appraisal. An offer was made of {$390000.00} based on all the repairs that would be needed and the fact there is a halfway house across the street from the property. 

The buyer 's lender had the house appraised and came in with a value of {$390000.00}. 

At the end of XXXX, they said they would've accepted the offer of {$390.00} if we would close by XX/XX/XXXX. There were other appraisals that needed to be completed by the buyer 's lender so we were not ready until XX/XX/XXXX. 

SLS advised me that they would not approve the offer until I went to court and used my last adjournment. After I used my last adjournment, I received word from SLS today that they are going move forward with the foreclosure. 

I have been given a runaround and all sorts of misinformation every time I call them. They always say they didn't have the right paperwork or something ridiculous.

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 2019-11-18 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: CA

Complaint narrative:
This Bk does not belong to me and it's ruining my credit.

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 2019-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX - Started new job in Arizona due to losing one in Michigan XX/XX/XXXX Spoke with Bank of America Customer Service about options to sell home in Michigan XX/XX/XXXX Loan modification already done so transferred to me short sale department XX/XX/XXXX Sent letter of explanation to BOA as to what the intent for the property was XX/XX/XXXX Sent letter to BOA giving permission for them to speak with realtor XX/XX/XXXX Sent short sale packet to BOA XX/XX/XXXX XXXX ( realtor ) sent documents for signatures so he could list property as short sale which led me to believe BOA approved the short sale XX/XX/XXXX I called BOA regarding progress of short sale via short sale department XX/XX/XXXX I was informed BOA transferred our loan on XX/XX/XXXX to XXXX Mortgage XX/XX/XXXX I called XXXX XXXX  and was transferred to account department and told loan counseling department I had a realtor. I was told to send 3rd party authorization for realtor to speak with XXXX. XXXX informed me I had to start all over with short sale proceeding due to BOA not transferring any of the paperwork over I had sent in XX/XX/XXXX. 
I worked with BOA to get them the requested documentation in a timely manner. I was under the impression a short sale was underway considering the realtor was now involved, had contact with BOA and sending paperwork regarding seller disclosure. It was a great disappointment to find out I may have to begin the process all over again after being led to believe the home was listed already. I did everything in my power to get this taken care of by the end of XX/XX/XXXX. I was even contacted by BOA a few times regarding the account and I informed them the home was in short sale status. At no point in time did anyone from BOA inform me of anything different. It appears as though BOA dropped the ball on the short sale, failed to keep me informed of where we were in the process and then transferred the account without transferring the short sale packet I had sent as if absolutely nothing had been done with BOA for a short sale.

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 2019-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: UT

Complaint narrative:
XXXX XXXX is reporting a new collection to my credit that I never received information on. This is in violation of my 30 day right to dispute as I never got any notice and only saw the collection once I had my credit pulled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 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: UT

Complaint narrative:
XXXX XXXX is reporting a new collection to my credit that I never received information on. This is in violation of my 30 day right to dispute as I never got any notice and only saw the collection once I had my credit pulled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 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: UT

Complaint narrative:
XXXX XXXX is reporting a new collection to my credit that I never received information on. This is in violation of my 30 day right to dispute as I never got any notice and only saw the collection once I had my credit pulled.

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 2019-11-18 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX : XXXX NO VALID CREDITOR : XXXX XXXX XXXX XXXX  XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX   : XXXX Inquiries : XXXX XXXX  XXXX : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX   : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX : XXXX NO VALID CREDITOR : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX   : XXXX Inquiries : XXXX  XXXX  XXXX : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX  XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX   : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2019-11-18 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: FL

Complaint narrative:
my credit was pull from this company I don't recall and don't recognize the name of the company is Equifax Mortgage Services XXXX XXXX, NJXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I owe a debt to XXXX XXXX. They turned the debt over to Portfolio Recovery Assoc Portfolio who continues to hound me at least weekly, at times more than once during the week They are having people call me from different numbers! Both myself and " XXXX  " on my phone continue to block these calls, yet they keep calling from other phone numbers. I have got very angry when I have answered and told the people to quit calling me, I have no extra money, and threatened to report this company. They are relentless and don't stop even after threatening to turn their company in. 

I have read blogs that other consumers are being continually harassed with Portfolio and company is using different people with different numbers as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
I have a mortgage with Ditech. Ditech went into bankruptcy in XXXX if I understand correctly. I did not receive instructions on how to pay the new company. I waited. 

When I finally heard from the " new '' ( it's probably the same people I bet, they have a history ) company, XXXX, they are using Ditech 's website, which is very strange - nothing has changed there. 

I called the 800 number and got a customer service rep and asked for status, then paid the past due amount in full on XX/XX/XXXX. Immediately Ditech issued another statement stating that I owe the default amount. This isn't right. It should currently be paid up. They also sent me a large package stating my account is in default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation