vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal set restrictions to my account that I used to receive payments when selling my used, old items on XXXX. 

I successfully sold and received payments for XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX. I canceled the sale on XXXX item and refunded the customer because of the restriction imposed to my PayPal account. Consequently, I have remaining balance of {$280.00}. 

I can't withdraw or use the {$280.00} because of the restrictions and I can't work this out with PayPal, because they are asking documents such as a receipt for the XXXX watch and XXXX docking station. They are old items and I no longer have receipts, which I think is reasonable. 

All I want is to close my PayPal account now and have a check mailed to me for the remaining balance of {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I checked my credit report recently and noticed credit hard inquiries that I did not authorize made by companies : 1 ) XXXX on XX/XX/XXXX and XX/XX/XXXX 2 ) XXXX XXXX XXXX on XX/XX/XXXX 3 ) XXXX card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 4 ) XXXX  / XXXX on XX/XX/XXXX I did not authorize any employee by these companies to make any hard inquiry and view my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I checked my credit report recently and noticed credit hard inquiries that I did not authorize made by companies : 1 ) amex on XX/XX/XXXX and XX/XX/XXXX 2 ) XXXX XXXX XXXX on XX/XX/XXXX 3 ) XXXX card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 4 ) XXXX / XXXX on XX/XX/XXXX I did not authorize any employee by these companies to make any hard inquiry and view my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 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: TX

Complaint narrative:
progressive ftc violation showing

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 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
In XX/XX/XXXX I applied for a new Capital One Venture Credit Card that offered a 0 % balance transfer offer. When I received the card I tried to transfer a balance to the new credit card and was told by the representative that the card I received did not have the 0 % balance transfer offer and a balance transfer would have 20 % interest. I then asked for it to be corrected. The representative told me that they could not correct it. I then told them that I would be reporting this fraudulent offer to Consumer Protection Agency and asked to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
My oldest email dates back to XX/XX/XXXX. I applied for a refinance with my current lender. By XX/XX/XXXX I had all my documents sent in and signed everything requested with XXXX XXXX. I also paid {$350.00} for and appraisal and an appraiser was going to contact me. Case was then sent to XXXX XXXX for processing. I set up appointment for immediately after my vacation ( XXXX ) XX/XX/XXXX. While gone I got an email saying I needed to sign a transfer, which I did on XX/XX/XXXX. On XX/XX/XXXX appraiser canceled appointment saying it was canceled from Freedom Mortgage. I have been sending 2-3 emails a week since then and get no information or replies from XXXX, and minimal from XXXX. On XX/XX/XXXX XXXX said he had my file escalated as requested and an appraisal is now ordered. I emailed again XX/XX/XXXX when I didnt get called by appraiser for new appraisal. I finally called appraiser XX/XX/XXXX and they said they dont have any orders for my property. That leads me to today, I dont have any clue whats going on with my account, and believe I am now being lied to. Not sure about my {$350.00} as it hasnt been refunded or have anyone coming to appraise property. By now Im sure all my paperwork needs resubmission and not sure about my locked rate. I cant get any replies from either of them and have started emailing outside sources.

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 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I used a link provided by chase to apply for a Chase United Club card. This included a " Welcome Offer '' of 50,000 airline miles after spending {$3000.00} on the card in the first 3 months. After I received the card, spent {$3000.00}, and paid the bill, I was told I did not qualify for the welcome offer. I tried to resolve with Chase, but was told I do not qualify, however, they could not tell me why I did not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2000, I borrowed {$290000.00} on a Line of Credit with XXXX XXXX to purchase my home At XXXX XXXX XXXX, XXXX, Nj XXXX. The loan was repaid on XX/XX/2000 when I got a mortgage, I recently found I still have a lien on the property related to this loan from XXXX XXXX.XXXX  merged with XXXX and XXXX with Bank of America, .I have contacted Bank of America and they have been no help. They pretty said, It's your problem, figure it out. By the way there haven't been any transactions related to this XXXX XXXX line in 19years, Of course there is no XXXX anyway. 
As you can imagine after 19years and being flooded by hurricane XXXX, I have few records related to these transactions. 
I need this lien discharged so I can get a Line of credit with XXXX XXXX. 
Bank of America has me call Customer Service @ XXXX who simply repeat what they have on their system. There is an email address XXXX XXXX  XXXX with ID # XXXX. They simply delegated the problem back to me. 
I need your help to get Bank of America to rlease this meaningless lien as the sucessor to 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 2019-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Emergent Business Group, Inc.
State: FL

Complaint narrative:
Today my wife received a call from a man " XXXX '' on what he said was a recorded line. He called her at her job. He stated to her that he was calling in regards to a debt I owed of {$7000.00}. When she proceeded to tell him that she would let me know that he called and I would call him back he stated to her " that she was just as responsible for this loan since I am his wife '' she again repeated to him that she would give me the message and please not call her again at work and he said " I can call you where ever I want '' " why wont you talk to me about his debt '' " you need to resolve this debt '' " you live in a state where you are just as responsible '' when she said I don't know about this he said " yes you do '' He then proceeded to tell her " I have already contacted our landlord and I am aware of the assets you own in our home and that I have pictures of our 2 black cars in the driveway ''. He stated that if she does not speak to him about this debit he would be coming next week to seize our assets and that would include both cars, any jewelry she owned and TVs and furniture and also our payroll. She began to tell him that we still had loans on our cars and he said " no you don't, you own a XXXX XXXX its not worth that much and what did you do take out a 20 year loan? '' I few months ago he called threatening the same thing,. now the only difference is today that he stated he has taken pictures of our cars in the driveway. We have asked him to send us documents of this alleged debt in the mail on prior conversations but his response is " i am not going to do that because all you will do is state it was lost in the mail '' This is very threatening to my family and I don't accept the fact that we are being harassed and threatened and feel that a man is showing up at my home where my family sleeps taking pictures of my cars and him stating he will coming inside to take my assets. Another big concern for me is that he calls my wife and begins to give her all details of this alleged loan. The last time she spoke with him she stated to him that why was he giving details on a loan that was not even hers and he stated because it was owed debt he could give out information to anyone he called to try and collect. Does this mean he is giving the information to my landlord when he calls his to " find out about what assets i might have in the home ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
I received a mortgage from Land Home Financial XX/XX/2008 XXXX with loan number XXXX. According to the information the gentlemen gave me they transferred the servicing to XXXX XXXX XXXX on XX/XX/2008. It has since been transferred to XXXX, XXXX and now XXXX. I called Home Land Financial to ask why I do not see a satisfaction of mortgage since it was sold, and was told it wasnt their job it was XXXX XXXX job since they were the servicer as of XX/XX/2008. I called the number Home Land Financial gave me and it is for XXXX and the gentlemen stated that was all the information he could give me. I want to know why a satisfaction of mortgage has not been recorded on this loan since it has now been transferred that I know of 4 different times.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
To whom it may concern, On XX/XX/2019 ( inaccurate date ), a collection company named Southwest Credit Systems was inaccurately reported to my XXXX, XXXX, and XXXX  credit report. Southwest Credit Systems is claiming that I owe {$200.00}. I and a Credit Repair Specialist disputed this issue against the creditor by contacting them directly while also disputing the collection with the credit bureaus via written letters recently. Each dispute letter that was sent respectively asked for documented and written proof that I owe a debt to this creditor. Both Southwest Credit Systems and the credit bureaus refused to provide signed documentation for the debt listed above. Instead, they sent copies of my credit report. The issue has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CT

Complaint narrative:
On XX/XX/19 I received a debt collection notice= {$180.00} for medical services I did NOT receive because I was NEVER a patient at the hospital in question. I called the collection agency on XX/XX/19 & informed them I am not the patient. 

I also wrote to the hospital in question & have also written a letter to the collection agency disputing the debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
Received a call from Barclay Card about possible fraud activity. Researched and found 3 fraudulent charges on my account from XXXX. First issue was resolved immediately ; however, the other 2 ( which only occurred ) 2 days prior have taken 4 calls so far to attempt to resolve ( without success ). Each time I call I am told that a new case file will be open to investigate, and on each subsequent call I am told that no case was ever opened. Further, the 2 remaining fraudulent charges from XX/XX/XXXX remain on the account almost 2 months ( XX/XX/XXXX today ). When asked to talk to a supervisor none is ever available, and I am still waiting for one to call me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Immediate Credit Recovery
State: TX

Complaint narrative:
Pursuant to Chapter XXXX Adversary Case No. XXXX filed in the XXXX XXXX of Texas, the student loan debt for the US Dept of Education against XXXX XXXX was administratively discharged due to his total and permanent XXXX. As such a Motion to Dismiss was filed on XX/XX/XXXX against the US Dept of Education in the Adversary Case. The Motion declares the student loans discharged and enjoins enforcement of the discharged educational loans. The Motion was approved and an Order of Discharge was filed on XX/XX/XXXX. 

XXXX and I ( XXXX ) jointly filed our XX/XX/XXXX income taxes in XX/XX/XXXX, but have not receive the anticipated refund of {$8500.00}. We contacted the IRS to inquire as to the status of our refund and were advised that the U.S. Dept of Education had offset the refund for payment of {$100000.00} in student loan debt owed by XXXX XXXX ( which was the debt discharged in XX/XX/XXXX, discussed in the preceding paragraph ).

We contacted the U.S. Dept of Education, who advised that they had sent XXXX debt for collection to Immediately Credit Recovery , Inc., who, in turn, reported XXXX 's student loans delinquent on his credit report beginning XX/XX/XXXX. 

We have not received a call or letter from Immediate Credit Recovery , Inc. We have left several messages to explain the discharge and to request resolution, but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
I have made two purchases with XXXX XXXX ( XXXX XXXX XXXX ) and already there have been two major issues. The first was trying to set up an account online to be able to make payments. The system would not allow me to register for almost 30 days and required multiple telephone calls and a letter to the CEO in order for me to be able to sign in to make a payment. The first payment couldn't even be done online and I had to give my checking account number over the telephone for an ACH in order to avoid late fees. Then on my XXXX Statement it clearly shows I made the XXXX payment and the XXXX payment because of the difficulties experienced I didn't want to be late. This is the same month that I made the second purchase. On my XXXX Statement is  says that I have a past due amount of {$130.00} and they added a {$27.00} late fee. I was paid ahead of schedule, had just made a purchase ( nothing due ) so how could I be late and assessed a fee. I called them today AGAIN and they reversed the {$27.00} but it really appears that they are gaming the system in order to obtain greater late fees and steer purchases so that the 0 % interest is jeopardized. My experience with this merchant 's payment processor has been horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: FL

Complaint narrative:
I HAVE CONTACTED THIS BUREUA MULTIPLE TIMES REGARDING THESE UNAUTHORIZED HARD INQUIRIES. THEY ARE NOT COOPERATING AND HAE NOT GOT BACK WITH ME REGARDING THIS ISSUE. I HAVE MAILED MULTIPLE LETTERS AND ALSO CALLED THEM. THE UNAUTHORIZED INQUIRIES ARE AS FOLLOW : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: FL

Complaint narrative:
I HAVE CONTACTED THIS BUREUA MULTIPLE TIMES REGARDING THESE UNAUTHORIZED HARD INQUIRIES. THEY ARE NOT COOPERATING AND HAE NOT GOT BACK WITH ME REGARDING THIS ISSUE. I HAVE MAILED MULTIPLE LETTERS AND ALSO CALLED THEM. THE UNAUTHORIZED INQUIRIES ARE AS FOLLOW : XXXX - Card Service Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/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 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My complaint generally involves the disbursement of insurance funds. I was displaced by Hurricane Florence XX/XX/2018. My home had to be gutted and was completely unlivable. I followed the prescribed routes to mitigate the damage. Got estimates, contacted FEMA, and filed insurance claims.

I fought with the insurance adjuster for 11 months to finally settle at {$100000.00} worth of repairs. I also had to notify the NC Department of Insurance in order to secure those funds because we all know insurance tries not to pay, as well. 
I finally receive the insurance check and then I had to start dealing with the mortgage company 's loss/drafts department. This is where the reason I'm contacting you comes in. 
The company, Mr. Cooper, has since made the claim process impossible. 
My contractor and I have been jumping through rings of fire for 4 weeks in order to get the mortgage company to disburse funds to start repairs on my home. I have been out of my home for a year now and each time we submit forms they come up with something new or different that needs to be done. They even said that the contractor had used a stamp because her signature was so good.

I am at my wits end and completely frustrated. If one more of their claim specialist say to me that they understand my frustration level, I'm going to snap. No they don't ... I am living in a 1-bedroom apartment with my mother who is XXXX and suffers from XXXX. The apartment is the only one I could find and it is not XXXX friendly. I had to take the doors off the frame to get a wheelchair in the bathroom. I'm paying both rent and mortgage on a home I can't live in. My dogs are still with my sister because I also could not find a pet-friendly apartment. Meanwhile, Mr. Cooper, is sitting on {$96000.00} worth of funds to fix my house and will not release them.

Company response to consumer: Closed with explanation