vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mediation Recovery Center
State: NY

Complaint narrative:
I received a letter from a Company called Mediation Recovery Center that says that I owe a debt of {$920.00} and I can have a balance reduction of {$190.00}, and that I have until XX/XX/XXXX to pay off this debt. I asked them what Company I supposed to owe, and was told that the debt was with XXXX XXXX Master Card, and that the account was opened in XX/XX/XXXX, and the last amount paid on this card was on XX/XX/XXXX which is 12 years ago, and around that time I didn't have a credit card for XXXX XXXX. The letter states that the original creditor was XXXX acct # ( XXXX ), and when I called XXXX XXXX about this, they state that there is no account for me at that bank with this acct # under my name, and they can't find anything under my name with that bank around XX/XX/XXXX or any other time. The letter was dated XX/XX/XXXX which looks very strange, and when I called they didn't tell me that " This is an attempt to collect a debt, '' like all other Companies do when you owe a debt to a Company. I told them I wanted to look into it after I told them I would check it out, so they cancelled the payment I was suppose to make and I even made sure the amount wouldn't come out from my Bank, and they are harassing me by calling me telling me I have until XX/XX/XXXX over the phone. I believe this is a SCAM, and I hope you can help me, and have these people STOP calling me, for something I don't owe, or ever owed. I was also told by them that they found me by looking me up on my Credit Report XXXX to get my address to pay this amount. I believe it also might be Identity Theft, and trying to get me to pay for something I don't believe I owe. XXXX XXXX ( account manager ) is who the letter is from. I even asked for him and I was told he wasn't there, that they handle everything. SCAM ... .. 
Please STOP them. 

Thank You. 

XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi bank decrease my card after making a payment from XXXX to XXXX said they repulled my credit and my score went down which is a violation of my rights FCRA violation XXXX XXXX took my car 5 days playing little kid game pass the phone putting people on the phone saying they were certain part of management when they weren't. Now I understand when the parents leave the kids will come out and play but keep that XXXX at home. 
Its bad enough Car people have the best reputation. Former XXXX  XXXX 45 cars month but one thing I never did was lie to get a SALE or PLay child XXXX  kid games XXXX XXXX needs to know about his kids at work 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
Consumer complaint received 2019-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I was paying a fellow gamer to assist in a game on XXXX  XXXX. I was promised assistance but when I forwarded the money he immediately booted me from the game and ignored all messages. Person will also not acknowledge emails. 

I initially paid {$25.00} which he returned and stated he needed it to be 25GBP. 

I resent and was then booted, soon to realize I had been scammed. 

PayPal states that since it was a friends and family transaction that it doesn't matter if I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I dont undrrdnad the PayPal credit option is always declining me due to identity verification and this bank wont hekl me to get veifief and approved

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 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I order my free annual Trans Union credit report on XX/XX/XXXX and was able to view it andO was suppose to view it for free for 30 days ... But I havent been able to view it without purchasing a report for XXXX. I asked about this and still havent been able to view it for free for 30 days. What do I need to do to be able to view it until XX/XX/XXXX Also, they were suppose to take off bad credit information from XXXX XXXX and they have not taken it off its still showing 13 past due payments for XXXX XXXX. 

They told me it was taken off and every time I look at my credit journey its still showing 13 past due payments for 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 2019-09-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
This Is Not A Duplicate Complaint but A NEW COMPLAINT AGAINST THE SAME BANK a purchase of {$60.00} was place on my card. However, the service repair was never done. 
The company came to my home on XX/XX/2019 and spoke with me. I explained the Ohio Gas Company had red tag my stove and what the problem was. He said he had just used his last part and return on Tuesday XX/XX/XXXX, XXXX. He never came back. 
The credit card has chose to not refund my money for services I never received. 
He was reassigned back her on XX/XX/2019 and was a no show

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 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I modified my first mortgage with B of A after they assumed my XX/XX/XXXX loan. This was a painful and lengthy process that was horrible, but I had no choice. When the 1st mortgage modification was completed, I wanted to move on to modify my 2nd mortgage. My point of contact said he would start on that, and then called me to say that my former husband including this debt in his bankruptcy filing would prevent them from trying to collect the debt, so no modification was necessary. Four years later, when the values had recovered, they filed an NOD on XX/XX/XXXX when I was already in touch with them questioning the validity of the debt ( see attached ). They finally modified the loan adding $ XXXX  to the balance, so I accepted the modification and made payment in protest. I don't feel that the lender acted in good faith and in fact ripped me off.

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 2019-09-27 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: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
Re : NORDSTROMTDBANKUSA XXXX XXXX XXXX XXXX XXXX, CO XXXX I made a timely payment to Nordstrom from my checking account from XXXX XXXX XXXX XXXX in XX/XX/2015, check number XXXX for {$100.00}. Unfortunately, my bank charged me 3 separate fees of {$30.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in error for one check. 
I sent a letter from my bank explaining that it was a bank error that caused my check to not clear. They would still not rescind the reporting to the credit bureau. I had no other missed or late payments to Nordstrom in the history of my having an account with them. 
My account number with Nordstrom is XXXX XXXX XXXX. I have had an account since 2015. 
Their customer service number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I am writing this letter to explain my unfortunate set of circumstances that have caused us to become delinquent on our mortgage payment. In late XXXX, our daughter fell upon financial struggles with her living expenses and returned back home with our XXXX grandchildren. Our living expenses have increased slightly ; since theyve moved in as I now currently have to care for not only my daughter, but also my grand-children. 

In the beginning of the year ( XXXX ) we fell upon 3 major auto repairs between our two personal vehicles and business vehicle, in which we are currently still paying on ( listed in financial worksheet ). In-between the additional expenses and unexpected auto repairs, my company had a decrease in income/volume from XX/XX/XXXX to XX/XX/XXXX. We had a few clients whom did not renew or return for my business services resulting in a decrease in income. Although we attempted stretch funds amongst all our personal and business expenses, we slowly and surely depleted our funds. 

As of XX/XX/XXXX, my business has since recovered from the lost income and weve been able to sign on additional clients increasing work volume. As we began to recover from the hardship, we attempted to resume payments, however to my surprise I was advised I was unable to make a payment, unless I was able to reinstate the full past due balance amount. 

We are requesting a loan modification or possible repayment plan, as we are now in a better financial situation and we are able to afford our mortgage payment again. At this time, we are requesting assistance on the outstanding/past due delinquency balance in order to help allow us to retain our home and move forward with your financial institution in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I found a collection record on my credit report. It was reported by 'XXXX XXXX XXXX XXXX, and the Balance is {$56.00}. The Original Creditor is 'XXXX   XXXX XXXX XXXX XXXX '. 

After the communication with 'XXXX  XXXX XXXX XXXX, they told me that the bill was from XXXX XXXX XXXX They also showed me the billing statement from XXXX XXXX. That statement was for a home insurance policy ( XXXX ). 

However I never bought the home insurance from XXXX XXXX. I did ask about the home insurance of XXXX XXXX in XXXX on the phone, but I never agreed to buy it because it didn't fulfill the requirement of the mortgage lender. I never signed any contract/agreement with them to buy the home insurance. I don't have any homeowner insurance contract with XXXX XXXX at all! 

I filed a disputation with Equifax on XX/XX/XXXX. After a long time waiting, I received their investigation result on XX/XX/XXXX. The result is really disappointing, they said the collection account belongs to me! But Equfax didn't provide any evidence/document to show why did they thought this collection account belongs to me! 

I am very surprised with the investigation result from Equifax. I also filed the same disputation with XXXX and XXXX, both of them also made investigation and finally removed that collection record from my credit report. 

The collection information on my credit report has hurt my credit score severely. Equifax must remove that collection information from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I tried calling Trans Union Reporting Agency customer services to let them know i was a victim of there breach inquiry issue that they had. Once I spoke with the customer service person wouldn't take care of it so I'm reaching for more help. So I wanted to remove the inquiries that was listed on my report. 

Inquiry XX/XX/2018 XXXX XXXX XXXX XXXX, Mi XXXX Inquiry XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Ca XXXX Inquiry XX/XX/2018 XXXX XXXX, Oh XXXX Inquiry XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 2019-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Didnt even know I still owed this company. Was making payments tehn stopped receding a statement. I have great credit and pay my bills. This is insulting to me. Why didnt they contact me and let me know I had that small amount left instead of trying to tarnish my credit.

However the past three months I had fraudulence on my checking account and then followed someone scamming my mail and having all my mail forwarded to a XX/XX/XXXX address and I live in XX/XX/XXXX. Been working with a privacy investigator. The post office said some physically came into a post office and change my address. So its been a nightmare. I recently started receiving mail but most business transactions I do now are through email. Had to get s new debit card. Changed my credit cards. So if they did mail something to me in the past 3 months I would not have received it. If they send me a bill now I would be sure to take care of it but I dont feel its fair to be on my credit report when its nit my fault. Cant pay something I dont know about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Starting before XX/XX/XXXX, we have been paying our mortgage using our bank 's billpay option. We pay half on the first and then the second half when it is due on the XXXX. We overpay our mortgage by {$100.00} each month and pay biweekly to cut down on the accrued interest. In the fall of XXXX, we were notified that our first payment of the month was put in a suspense account and would only be applied when the full amount was received. I called and spoke with the company and explained our payment process and at no time during that call ( or subsequent communication ) was I informed that this was a problem. 

We continued to make our monthly payments ( and overpaying by {$100.00} each month ) and have never been late. 

In XXXX of XXXX, we attempted to get a loan and the bank alerted us to 4 " late '' payments on the Ocwen account in XXXX. It is concerning because we have paid on time, every time and have overpaid. We had an established method of payment for 6 months prior to being marked late and nothing changed on our end. 

We have called 10 plus times this month and discussed with Ocwen representatives, who at first said they would not change their reporting to the credit bureau because they would incur a fine. After we faxed documentation supporting our claim ( mortgage statements and bank withdrawals ) they agreed and were recommending our account to be corrected to show our payments were made in full and on time. To date, they have not honored this recommendation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: TN

Complaint narrative:
I sent Transunion a dispute through the mail and they have failed to respond. This is not the first time my disputes have went unanswered. I have attached the documents that I sent in to be corrected/investigated. In addition to the attached documents I have also noticed that the payment history for XXXX XXXX is being reported differently across the 3 bureaus. According to XXXX I understand that their reporting the same information to all 3 bureaus so what Transunion is reporting can not be accurate and free from error.

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 2019-09-27 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: CA

Complaint narrative:
XXXX/XXXX ACCT XXXX IS REPORTING INACCURATELY AND INCOMPLETELY. 
EXPERIAN HAS CORRECTED BEFORE AND REFUSES TO REINVESTIGATE.XXXX XXXX XXXX XXXX EMPLOYEE XXXX SAID ACCT WAS REPORTING CLOSED.ON EXPERIANS PRODUCT, EXPERIAN CREDIT WORKS PREMIUM THE ACCOUNT REPORTS OPEN. 
NO STATUS IS INCORRECT.THE ACCOUNT IS CURRENT, PAID AS AGREED AND CLOSED BY CONSUMER. 
EITHER CORRECT PERMANENTLY OR DELETE ACCOUNT.

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 2019-09-27 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 has been holding a total of {$110.00} in my account on reserve since XXXX of 2017. 

They will not release my money. 

They made unreasonable requests for me to submit " business documents '' to them to get my money released. I explained that I am not operating a business. 

At one point they indicated that they had set a minimum reserve on my account for over {>= $1,000,000} USD which is absurd and unreasonable. 

I attempted to close my account and they declined my request. 

There is no reason at all for my money to be held XXXX by this company for nearly 24 months without any valid explanation whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27 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: Kriya Capital, LLC
State: IL

Complaint narrative:
Received notification of alleged debt from Credence Resource Management LLC again in XX/XX/2019 in the amount of {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I XXXX  and do XXXX XXXX and XXXX for an XXXX XXXX XXXX for a startup founders they arranged to pay me by XXXX transfers from all of partners, after 20 days one of the members just got claim for unauthorized transaction and claim my money back without make arrangements with their former partners

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 2019-09-27 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: NM

Complaint narrative:
Dear creditor or whoever it may concern on XX/XX/2019 an account on my transunion called XXXX for XXXX XXXX of {$170.00} went into collections and the account seems to be fradulent I've never once had an account with XX/XX/XXXX of that amount

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 2019-09-27 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: LA

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransUnion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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