vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 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: CA

Complaint narrative:
I opened a PayPal account in 2017 to explore if the service would work for collecting rent from my tenant at that time. If I remember we may have even tried a test transfer of a dollar but I may be wrong. I have never used the account and want PayPal to close it. When I call to request it be close I am told I will have to send them a copy of the lease agreement with my tenant which has since expired and the tenant has moved. Of course, I would never share this information with PayPal. When I ask to speak to a XXXX  I am told that it will do no good and they usually disconnect the call. How can I get PayPal to close my account that I have never used?? Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FBC MORTGAGE, LLC
State: CO

Complaint narrative:
FBC Mortgage ( serviced through XXXX ) is taking my home away through a foreclosure sale on XX/XX/2019, even though they have failed to review my loan for retention options. I am a XXXX veteran on a fixed income who fell behind on my mortgage when I lost some of my benefits. When I contacted FBC Mortgage/XXXX, they said there was nothing I could do except to pay the full past due amount. This is impossible and I thought that they had to help me keep my home. They are short and rude with me on the phone and there isnt anything I can do to change their minds. I have never had a single point of contact and I need some help with them to stop the sale date and initiate a review for mortgage assistance. I did not survive my combat tours in XXXX to become a homeless veteran. I am hoping your agency can help turn things around and get them to work with me instead of taking my home away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
I tried to send {$680.00} to my cousin in XXXX on XX/XX/XXXX but the transaction was denied at the MoneyGram agent in XXXX, GA, no explanation was given why it is denied. I went back to the same location on XX/XX/XXXX to send same amount but again the transaction was denied. Then I decided to send the money through my wife on XX/XX/XXXX and this time the money was transferred to XXXX but the recipient was declined to receive the money and was told that this transaction was cancelled at the other side. ( Reference No : XXXX ). 
I started sending the money to two countries, XXXX and XXXX using Moneygram since XXXX and transferred money to the same recipient 5 times. In almost 4 year, the amount transferred was within the transfer limit. In one other instance, the transaction of {$100.00} was denied onXX/XX/XXXX and later on it was transferred the next day. My question is this : why the same recipient received 5 times money and denied this time ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) I feel Moneygram violated compliance with the Remittance Transfer Rule and failed to provide a clear and detailed information, showing a globally nontrusted foreign exchange service with no fair treatment shown. Their customer service is very disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I called LVNVFUNDING directly to learn more about this alledged debt under my credit report, and right on the conversation, the rep 's computer crashed and she said that she will transfer me to a third party collection company called XXXX XXXX XXXX, which has a very unprofessional customer service ; inappropriate collection techniques ; and failure to provide verification of debt as requested. 

I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, LVNVFUNDING will have all the major credit bureaus removed this negative items or accounts or tradeline from my credit report. Please kindly adhere as it was promise and have this account remove as I DO NOT OWE the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Debt is more than 7 years old. Have disputed several times. Every few year creditor states that its a new account and continues to falsely report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have never made a purchase with this credit card, it was closed not long after it was opened and this debit collect keeps harassing me and calling me about 20 times a day, I already talked to XXXX and was advise I never made a purchased with this card. This is effecting my mental health as they keep calling about a charge I never made. 

XX/XX/2016 {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 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: BTH Management
State: TX

Complaint narrative:
I took a payday loan three of four times and was paid in full ... after the fourth payday loan the amount and fee was high. I Asked if this will help my credit score because i had payed good four times and they advise they dont report to credit berues agencies so since i was on the forth loan with a high amount or because they traped me to get the loan i asked '' so if i cant payed it they wont report me '' ... cause it is not fair if i pay they will not report it but if i dont pay for it why reported if they dont report when the accounts are payed ... i think is unfair..named is XXXX XXXX XXXX XXXX XXXX XXXX off XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX ) XXXX and this is who reported me without authorization from me or not knowing i already payed four paydayloan ... .s and want to report them ...

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 2019-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
I applied for a Discover It! Card based upon XXXX recommending the card. My Bank 8 FICO is XXXX, and I gross {$47000.00} annually. I did an application over the computer and was immediately told to call a discover application specialist. When I called in, the rep stated she could not locate an open application for me. So, I went through the process with her over the phone. My application came back denied but didnt state any reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
I have been trying to rectify the account with this company XXXX XXXX. I have filed several complaints in regards to receiving information pertaining to this account to no avail. Then company, XXXX XXXX has refused to provide any information about the account. I don't know if it is mine, I don't know what the debt is for and when contacting the company, they refuse to provide any details. Per the Fair and Accurate Credit Transaction Act, they should be providing verification of said account via documentation or remove the account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
XXXX XXXX  On XX/XX/XXXX, I logged into my XXXX account online to pay off a small loan that had a balance of approximately {$3000.00}. I made two payments on XX/XX/XXXX that paid off the loan. On XX/XX/XXXX, I received a Paid in Full Notification for the loan. Additionally, on XX/XX/XXXX, I received a financial activity summary that reflected that the loan was paid in full. 

I then received a monthly bill dated XX/XX/XXXX, stating that I have a balance due of approximately {$13.00}. I called XXXX  XXXX  on XX/XX/XXXX, and spoke with account specialist XXXX # XXXX, and informed them that I had already paid off the loan and had received two notices also to that effect. XXXX told me that she would put this matter " in review ''. On XX/XX/XXXX, I also submitted via online & fax a letter with the notices from XX/XX/XXXX and XX/XX/XXXX asking that XXXX XXXX review the loan and stating that i had paid the loan in full. 

I have submitted in writing and called a number of times, and still have not received an answer about my loan. I paid it in full 2 years ago and I am still paying interest on the loan. It is ridiculous that I am getting misinformation and they will not correct the error. The fact that I can pay off a loan and then be told 1.5 years later that it wasn't paid is gross mismanagement and completely dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I bought my home in XX/XX/XXXX and refinanced with XXXX  dba XXXX in XX/XX/XXXX which sold the loan to XXXX in XX/XX/XXXX. There have many different Servicers and the most recent on is Caliber. 

Caliber asked us to provide them evidence that we paid them during XX/XX/XXXX to XX/XX/XXXX, but they denied receiving it See evidence attached. They charged fees and expenses during my active Bankruptcy, which is presently in appeal before the XXXX Circuit and we are going to Court Ordered Mediation. ( ADR ) Per RESPA, TILA, FDCPA, FAC, CAL CIV CODE, etc. We requested further information from Caliber and XXXX XXXX XXXX, allegedly acting as a Trustee for the XXXX XXXX XXXX Trust, and they have failed to provide it and disclose detailed information about this Trust which we require for Mediation. 

We have also demanded a copy of their most recent Proof of Claim ( POC ) and rectification of what they have stated in the attached documents. 

Also, they keep attempting to foreclose on our property even though my wife has filed a Chapter XXXX BK and has an automatic stay in place. 

They have even sent drones and taken pictures of my family and home without our permission which is totally unlawful in XXXX. We filed a complaint with the XXXX Police Department with evidence, and they must now disclose the information of who was/were the individuals that flew the drone ( s )  over our home near the XXXX Airport, and deliver the originals to the Police Department in XXXX, or run the risk of any employee of XXXX XXXX DBA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CALIBER HOME LOANS, et al being arrested. We are in the process of filing a Temporary Restraining Order ( TRO ) against them. 

We await all the documentation requested as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I was promised a {$200.00} bonus for opening my 'SoFi Money ' account. I joined a waiting list and later was sent an email telling me my account was opened successfully. SoFi falsely advertised this promotion and conducted a bait-and-switch scheme, baited new customer and deny the promotion without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am an XXXX American minority female that is currently being suppressed from achieving the American dream by Transunion. 

Recently, all of my rental history was added to give a complete accurate account of my credit assessment abilities. Transunion failed to re-score or do a comprehensive risk assessment of my credit history and now their action is obstructing my application for a home to gain the best rates.

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 2019-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: TN

Complaint narrative:
I was sent a letter stating I owed a debt to a company named XXXX XXXX XXXX on or about XX/XX/2019. On or about XX/XX/2019 I responded asking Midwest Fidelity Services to verify the debt as I did not believe I owed any company named XXXX XXXX XXXX. On or about XX/XX/2019 I received correspondence back with a print out of a non-signed contract with my name typed in the signature line. On or about XX/XX/2019 I responded back to Midwest Fidelity stating that what they provided does not prove the debt exists, is valid, or was taken out by me. That again, my name was typed in the signature line, not signed, that the company XXXX XXXX XXXX lists a XXXX XXXX XXXX address and is not licensed to make loans in Tennessee, and that the amount of the loan had an APR of 434 % which is illegal under Tennessee law. I asked that the company remove any negative listings on my credit report but I logged in to check my credit report and they are listed. I checked the Tennessee database if Midwest Fidelity Services is licenses to collect debt in Tennessee and the website lists their application as pending. As such, they are trying to collect I do not owe, they can not provide any signed contract, and the loan that was allegedly made was done so by a foreign company in the XXXX XXXX XXXX who is not licensed to make loans in Tennessee and charging an illegal interest rate. It is also questionable that the company is trying to collect a debt in a state where their application is pending so they are not yet fully licensed to be engaging in this practice in Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had requested to set up a payment plan since i lost my job, and american express had a agreed to it and still sent a late payment to my credit score even after i paid the bill on time. 


XX/XX/2017 XX/XX/2017 Late Payment Remark after company agreed to payment arrangement

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION
State: OR

Complaint narrative:
I received a paper statement from UMB associated with my HSA Account that is arranged with UMB through my employer. UMB does not disclose to its customers that it charges a {$1.00} paper statement fee. Additionally, on its Statement, UMB provides no phone number or website address for customers to gain information about one 's account. This is curious because there is a section on the statement that states, " In case of errors or questions about your electronic transactions, please call us or write us at the phone number or address shown on this statement as soon as you can. '' I found UMB 's contact information through a web search. There is no information readily accessible for users who seek to understand more about the paper statement fee on UMB 's website. One must first enroll in online banking and then dig deep to gain information about the paper statement fee ; a user has to go to a page of " Frequently Asked Questions '' to find out information. The fee is not disclosed anywhere else. I see this as a violation of Regulations DD and E and potentially of Section 5 of the Federal Trade Commission Act and components of Dodd-Frank that address Unfair or Deceptive Acts, Abuses, or Practices. I can readily afford the {$1.00} they charged me for paper statements, as I am sure most depositors can ( who have an HSA Account ), and I believe this is precisely why UMB is clever about their fee assessment practices. They should refund all customers this fee that they have charged without disclosure or explicit instructions as to how one goes about avoiding the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
First of all, it is very difficult to speak to someone at American Express they are transferring you to multiple reps that are not assisting you, I have several inquiries that were administered by American Express upon applying for 1 card with that being said I am a victim of identity fraud and what is happening before the company speaks with you they are already doing a hard pull before speaking with me and once they speak with you they are doing another hard pull after speaking with me why is the company doing multiple inquiries within 1 week when I only applied for 1 business card but there were 2 additional inquiries done and none was able to explain, they give you credit fraud information phone number and they will state to call credit bureau, you call the credit bureau and they state call American Express since the inquiry came from them. All I ask if American express removes the inquiries as I had no other additional service but the 1 card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 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: FL

Complaint narrative:
I have contacted XXXX, XXXX and Equifax about deleting the XXXX Account. XXXX XXXX requested this account to be deleted two years ago, yet it still hasn't been deleted. 

Account # XXXX Original Creditor : XXXX XXXX XXXX Company Sold : XXXX XXXX XXXX Account Type : REVOLVING The XXXX  XXXX Account SHOULD BE DELETED AS WELL. Both were paid satisfactorily and are reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian, XXXX and XXXX about deleting the XXXX Account. XXXX XXXX requested this account to be deleted two years ago, yet it still hasn't been deleted. 

Account # XXXX Original Creditor : XXXX XXXX XXXX   XXXX Sold : XXXX XXXX XXXX Account Type : REVOLVING The XXXX XXXX Account SHOULD BE DELETED AS WELL. Both were paid satisfactorily and are reporting incorrectly.

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 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
FDCPA violation.15 U.S.C. 1692 clearly uses verification not validation of the debt. Verification generally means some sworn document or affidavit. I have repeatedly requested this information from Ocwen. They have only sent documents like copies of the origination paperwork. These documents do not provide verification of the debt, do not provide copies of the wire transfers, or any other evidence that would provide verification of the debt nor information concerning the current creditor. Make no mistake, this debt is in dispute and my requests have been insufficiently responded to. Ocwen is required and duty bound in the statute before collecting or enforcing the debt to obtain verification. And that means they cant verify it themselves unless they are the actual lender. And the statutes says pretty clearly that they must give me the lenders name and contact information past and present. 

If the servicer knowingly proceeds when it KNOWS there is a question of title, a question of who is the creditor, and knows that this loan was sold to third parties that have not been disclosed to the Trustor nor the Trustee, then the trustee is more than a nominal party, to wit : they are a co-venturer in a fraudulent scheme. 

The Washington State Sec has issued me Certificates of no record for both XXXX XXXX or of XXXX XXXX  XXXX XXXX XXXX. As such they have no legal right to conduct business in Washington State and therefore no ability to grant legal authority to authorize any foreclosure or collection activity in their behalf. You know or should have known that this is an invalid trust as the information is readily available online through their site and I have informed you as to the issue.. I have brought this issue to your attention, and by ignoring them, you risk becoming legally a party to Fraud in Fact by Deceit ( Obfuscation and Denial ) and Theft, Fraudulent Conveyance, as well as Theft by Deception and Fraudulent Conveyance. You have been duly notified of the issues and therefore you are obligated to verify their veracity. To ignore them will put you in legal jeopardy

Company response to consumer: Closed with explanation