vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
The Tranunion representative refused to let me dispute a inquires That was made with my authorization Theb.representative state to me that it was a factual statement and its nothing I could do.I explain to him, no its not factual when permission wasnt giving to run my credit.He went on to say two in one day is concerned as one, its not a big impact on my credit score.The inquires thats is questions is, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2019-02-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA
State: IN

Complaint narrative:
Ive been directly working on building my credit and have worked directly with XXXX XXXX to have every months debt paid prior to due date. Since XX/XX/XXXX, every single month Ive received notices that Im late on my payments. For the months of XXXX and XX/XX/XXXX I paid with XXXX in the amounts of XXXX each. Both were considered lost. It isnt easy to track these transactions. Repeatingly I call with the concern chasing my transactions down. They were able to locate the payments and apply them to my account. As a corrective action I started Bill Pay through my bank. My bank writes out a check ever month on the XXXX of every month to be sent out on the XXXX. This ensures 8 days for XXXX to receive the payment and apply it to my account. Since XXXX for every month I considered late for non payment. Then Im told I stand a chance of bad credit reporting by the automotive system. Then Im made to send proof to XXXX XXXX of my payments. All different forms of validation is used each month. I have clear record of check payments and of stubs to show proof of payments. After making these payments the last thing I need is to receive a text or email stating that I havent paid my bill. Then after ensuring my bank made a payment to call and be asked to take further steps to prove my payments. So for the months of XXXX and XXXX and XX/XX/XXXX I was forced to show proof of payments, also XXXX and now XX/XX/XXXX Im being told that those payment is not yet received. For every month this is a problem Im forced to have a brain vessel burst to prove what should be a very easy task. I have requested for two months now once in XX/XX/XXXX and in XX/XX/XXXX to have a copy of detailed payment history. I have not received a copy of payment history. In my opinion for a person that is trying to actually do the right thing, Im being heavily harassed. As this happened Im drawn away from work, my family and just a piece of mind. There has to be some sort of final fix to this issue. I was told I could set up automatic bill pay where I allow them to take amount due from my checking account. I dont feel comfortable with that form of payment. The bill pay option my bank offers is just as good. They get paid like clockwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I had a mortgage VA Loan through Freedom Mortgage and last XXXX, XXXX, I sold the house and there was an escrow balance of {$2200.00} and Freedom mortgage indicated to me that they had cut and sent a check for this amount after receiving the payoff on the loan. I have not received any check since I sold my house in WA state. I called on last month on or about XX/XX/XXXX and they told me a check had been issued and sent. I did not receive any check. Last Thursday, XX/XX/XXXX and Friday, XX/XX/XXXX to find out the status of the check. Freedom mortgage indicated they will re-issue the check by the end of this month and it will be payable to me on the first week of XXXX, XXXX. I don't believe them anymore, and they need to send me the escrow money it is not theirs. I need your help! this was a VA loan and it needs to be resolved ASAP.

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 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I received a suspicious email from a XXXX XXXX representing XXXX XXXX XXXX stating that I owe XXXX. That the payment needed to be paid today or I would be arrested and jailed. Never heard of this complaint before today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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 was a victim of Identity fraud for over 100k dollars and several fraudulent loan accounts years ago. I did not authorize nor consent to any use of my information. Nor did I apply for ANY of these fraudulent accounts. I have submitted to Transunion on countless times, what they requested for removal of the accounts. I have spoken to them several times in this past month and over the last several years. In which, they again agreed to remove Hard Inquiry XXXX and Collections account XXXX XXXX XXXX after receiving the Police Report and FTC report. I have complied with Transunion with their request to provide proof for removal. I have been sending this upon my findings of identity fraud for years now. They have complied with removing most inaccuracies, however, these remain. I had a XXXX credit score prior to this and would like to get back to that scoring number. This has caused me a great deal of distress and is now affecting my purchasing power and my health. *Note : This includes FTC and police reports along with proof of ID requested.

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 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a phone call from a XXXX XXXX of XXXX XXXX XXXX with an address to a P.O. Box in XXXX XXXX, TX. The number they called from was XXXX. They claimed that I owed money on a Household Bank account from 2004. I asked them to send me the information on a letter head to my email in which they did. I told them I had settled an account from this bank previously I believed I no longer had an outstanding account. I told them I would call them back after I went through my files and called the bank. I called Capital One who had obtained Household years prior. They were able to look up all accounts using my Social Security number. They had found one previous account that I had satisfied years prior. The account number XXXX XXXX XXXX has told me and put in their letter was an account number that was never held by me. I called XXXX XXXX XXXX back to tell them they were mistaken. They insisted I needed to pay them today or it would have long lasting damage to my credit. I asked them for a physical address hitch they would not provide. I asked them if they could give me more information on how they obtained my information or my apparent delinquent account in which he told me he could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Deposited into my account a check on XX/XX/19. Bank has placed a hold on funds without providing sufficient reason and one not covered by Regulation CC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: SC

Complaint narrative:
I wrote equifax several times on a debt collection which is a medical bill that is reporting to my credit report that is not mine and they refuse to remove it from my credit report. Im also a victim of identity theft since XXXX and I also sent in my Police report as well as my documentation to prove my identity. They still refuse to remove it. The name of the collection is call XXXX. XXXX. I sent them letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, The reason for my dispute is AR RESOURCES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AR RESOURCES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) AR RESOURCES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. AR RESOURCES is held liable as well for defamation and in the state of FLORIDA allows for serious fines .AR RESOURCES is not HIPAA-compliant I fail to see where AR RESOURCES is in compliance with FLORIDA LAW. AR RESOURCES has not even tried to contact me regarding this collection account. Please DELETE/REMOVE this account immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I signed an agreement with a private party that was renting their home as a vacation rental. That party requested a deposit via PayPal to secure the booking. I sent the funds as instructed via PayPal. Something didn't sit right with me when I saw that the funds that I was sending via PayPal to a person that supposedly lived in Arizona ( next door to the rental home ) were sent to the recipient as XXXX dollars. So, I researched the home and saw that it had sold in XXXX. I confirmed with the realtor that the person who booked the reservation with me was not the owner. I then emailed the party that I sent the funds to via PayPal and immediately cancelled the agreement ( on XX/XX/XXXX ) and per the agreement was entitled to a full refund. I also filed a complaint with PayPal regarding the fraudulent transaction. The party that was fraudulently renting the home replied to me and said he had processed the refund through PayPal and requested that I not file a dispute with PayPal since he was refunding me in full that day. Since then, obviously, I have not been refunded, nor have I been able to get a hold of the man. Also, PayPal denied my dispute request ( twice ), with the following explanation : " Unfortunately, this payment was sent as a Friends and Family payment, rather than a payment for Goods or Services. Friends and Family payments are not eligible for PayPal Buyer Protection. Going forward, to protect yourself, please send payments for Goods or Services when a shipment or service is expected. Friends and Family payments are intended to send money to friends or family, with no expectation of receiving merchandise or services. PayPal is not able to enforce a refund on a Friends and Family payment. 

We have completed our investigation of your case and are denying it. After careful review, we have found the transaction was processed correctly and in accordance with the disclosures provided to you. The disclosures provided to you indicated {$1000.00} CAD would be transferred to XXXX no later than XX/XX/XXXX. According to our records, {$1000.00} CAD was delivered to XXXX on XX/XX/XXXX. Because the transaction completed correctly as disclosed, no error occurred. '' This is a significant amount of money stolen from me via PayPal and they aren't providing any assistance in recovering it or preventing this person from continuing to do so to others. Hopefully, there is some way of getting my money back and finding/stopping the person who is behind this PayPal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
I am a XXXX XXXX with a check made out to XXXX XXXX, XXXX and a mortgage company, The Money Source. I have supplied the mortgage company with all of the documentation for the work that I have done and completed months ago. The Money Source is refusing to endorse the check without me first endorsing the check, which I will not do. There is no reason for the mortgage company to have this money. I have been in XXXX  for 18 years and I have never endorsed a check made payable to XXXX XXXX for work I have done. I have attached a copy of the check and the letter from the mortgage company. There are two checks that I am trying to get endorsed from this mortgage company. Everytime I speak with someone from The Money Source, I am given another set of instructions, I have sent them 100 's of pages of documents from this claim. XXXX XXXX contracted my company, XXXX to do emergency water mitigation work, the work was completed, XXXX XXXX paid for the work and now The Money Source will not endorse the check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Case #.. XXXX Account Number... XXXX Date of transaction. .XX/XX/XXXX Merchant........ XXXX Merchant website... XXXX Disputed Amount.... {$460.00} Todays Date..... XX/XX/XXXX I am senior citizen and a veteran of the XXXX XXXX XXXX. I believe that I have been the victim of consumer fraud or at best highly deceptive business practices. 

On XX/XX/XXXX I ordered a product called " XXXX XXXX XXXX XXXX  '' from a website called XXXX/. The order number is # XXXX costing {$460.00}. The product failed to perform as advertised and was returned per instructions from XXXX customer service. The return was mailed on XX/XX/XXXX for a shipping cost of {$33.00}. 

The XXXX  transaction appeared on my Capital One credit card statement. On XX/XX/XXXX a dispute for {$460.00} was submitted with Capital One. At that point I had not heard from the XXXX merchant  regarding the return. 

I have requested a refund totally exactly what I paid to the XXXX merchant  of {$460.00}. The merchant  has refused to refund that amount. The merchant  would have you believe that I would spend {$33.00} to return a working device. That is ludicrous. This is exactly the self-serving claim one would expect from a deceptive merchant. The device was defective, and if not, then their advertising is fraudulent. This is cheaply made device that only runs on two batteries. 

Allow me to quote from the XXXX website as follows : " For four years we have set a benchmark for reliability, safety and excellence in XXXX  equipment. All products come with a 30 day money-back policy and one year warranty against defects. '' I submitted the Capital One dispute in good faith for just cause. Yet here I am four months later and I am out-of-pocket {$500.00} ( {$460.00} + {$33.00} ) and I have absolutely nothing to show for it except for endless calls to Capital One. 

Per the request of Capital One, I have provided them with many documents multiple times. I will attempt to attach those documents. In XXXX I provided Capital One with the 3-page dispute information form which they sent to me. I completed and mailed that form to their return address provided on the envelope which was : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT. XXXX. Additionally, nine supporting documents were uploaded to Capital One with the following upload reference number : XXXX. 

Finally, after many months on XX/XX/XXXX I received a letter from Capital One stating that the case was closed because they lack information. As a result I am still seeking a refund of the disputed amount. 

-- -end of comments -- -

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/2015 I was made aware that my data was breached by Experian.

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 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
in XX/XX/2018, XXXX $ I found they take this amount from my account I try to find why this take from my account from the bank

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 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was logged into my Chase bank online XXXXPremiere Plus ' account looking into ordering printed statements and looked into making a multi-year order to make it a simple one-time request. There was a vague statement about " you may be charged a fee '' but no confirmed price or order confirmation for the statements being {$6.00} each when I clicked through the statement menus. On XX/XX/, 2019 I  awoke to find XXXX {$6.00} charges for the statements deducted from my checking account. My issue with this situation is that I was not able to submit a confirmed order for the statements and confirm the price before placing an order. Chase should make a clear and transparent checkout system for customers who are ordering statements or other products online instead of charging " hidden fees ''. There is absolutely no reason that Chase can not provide a checkout system for customers that clearly lists out all fees before a customer chooses to place an order. I called Customer Service and they were not able to resolve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed an account XXXX XXXX XXXX on my credit report as not mine and not being verified Equifax removed it from the credit report and send me results of Investigation documents attached after some time XXXX changed one or two digits in the account number and reinserted the account again I spoke to Equifax Equifax had no knowledge about this this is in complete violation of my fcra rights that I called which has been removed is it again so did back again please help me because it is causing a lot of frustration of constantly cat and mouse Chase good Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: FL

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX  is held liable as well for defamation and in the state of FLORIDA allows for serious fines .XXXX XXXX is not HIPAA-compliant I fail to see where XXXX XXXX is in compliance with FLORIDA LAW. XXXX XXXX has not even tried to contact me regarding this collection account. Please DELETE/REMOVE this account immediately. Thank you!

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