vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting on my credit out of nowhere. This debt was paid already and now it just showed up on my credit report.

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 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting on my credit out of nowhere. This debt was paid already and now it just showed up on my credit report.

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 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Bluebird by American Express has completely locked all out of its users. We can not access our money. We can not check our balances. We can not call customer service. We are left completely in the dark for the past 12 hours. We have no idea what is happening with our money. There is absolutely no communication from Bluebird by American Express about the issue. They only provided canned responses and claim that we can continue to use our cards as normal ( which we can not ). The cards are getting declined at ATMs and POS 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I applied for Hardship in paying Mortgage on XX/XX/2019, now Mr. Cooper or Nationstar is making some or other excuse to not provide me assistance in this matter. they are just dragging the matter thinking that I am a fool. Everyday they are making some or other excuse not to process my hardship and make my life harder. 

Mr. Cooper asked for my two latest Deposit Bank statements, and they also asked for my Federal tax returns, now I submitted both of them and then now when I go on their website, they have paused my application, changed the date of submission from XX/XX/2019 to XX/XX/2019 and asking for the same documents again ( please see the screenshot attached ). they don't want to genuinely help instead they just want to drag the matter so that they can get another 30 days starting from XX/XX/2019 to XX/XX/2019, because they know the last day of my payment is XX/XX/2019 before they declare me delinquent and ruin my credit. I would like to get some help from CFPB regarding this matter so that Mr. Cooper can be stopped from playing all these games. These big companies are not following XXXX XXXX and XXXX XXXX guidelines instead just want to make money so that their pockets can get deeper. Things don't work like this. My points of contact " XXXX XXXX Mr. Cooper Customer Relations Specialist '' and " XXXX XXXX '' are not picking their phones or responding to the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have my pay roll check coming to this blue bird prepay card .. I have money in this account that I can not withdraw or use to purchase anything. I cant check my balance and when I attempt to call the customer service there is no answer .. I need my money and they are holding my money hostage this has to be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: NY

Complaint narrative:
I have been using my PayPal account for a few months, and since day one had nothing but trouble.They forced me to provide my personal information which was not required during account opening, but even after receiving all the information requested, they fail to process payments 60% of the time. Every time I call in and ask what seems to be the issue, I get a response that it’s a security concern and they can not disclose specifics. When I sold items, my funds were kept on hold as well, but at least they were released later on. Now I am trying to make a payment for a product I purchased on XXXX, and once again I am being told that for security of my account I can not make a payment. I don’t need PayPal to provide me security, I need PayPal to do what they claim they do, process a payment, since their largest share holder, XXXX, forces their sellers to accept payments through PayPal, which should be an antitrust concern addressed by DOJ as well.I was given a million different reasons why my payments are being blocked. “My purchase pattern is not consistent”, which means if I buy a $XXXX  toy for my son,  I can not buy him $XXXX  XXXX, because they are 8 Times as expensive and definitely can not buy a $XXXX watch. What PayPal is doing is criminal, and it has cost me a lot of money and aggravation. They feel that they are above the law, I hope that CFPB can explain to them that they are not.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: HI

Complaint narrative:
XXXX  and TRS Recovery Services Inc. are trying to collect a debt for an amount of $XXXX that was not created by me. They have confused my name with another person of the same name but different middle initial. I live in a different U.S. state and have not moved in the past 10 years. I've contacted XXXX  and TRS directly but still am receiving these debt collection letters in my mail. I feel violated and harassed and therefore I'm filing this complaint to have them stop and send this bill to the right person or address.

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 2019-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Debt Holdings, LLC
State: WI

Complaint narrative:
XXXX XXXX called my relatives when they already had my number. They stated they were though National Debt Holdings and they were trying to 'serve ' me civilly for a lawsuit. I contacted my county and no lawsuit pending. Then they stated there was a loan from XXXX loans back in 2017 that I don't remember. They were telling me that I should have paid it and there wasn't an excuse not to now ... and that I can afford to pay it. They tried to ask me for my banking and work. They were belittling me and my situation. Finally this " XXXX '' told me they would " send me the demand '' letter and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In XX/XX/XXXX, I received {$200.00} in rewards points for using my Gap Card ( Synchrony Bank ). The  points had already been used by someone else so they promised to refund the points in 1-2 billing cycles. In XX/XX/XXXX, I received an additional {$250.00} in reward points and again the points had already been used. I filled another complaint and I received the same response saying it would take 1-2 billing cycles. It has been 2 months and I can't use my rewards. I don't trust the issue will be resolved next month and I want my rewards back as soon as possible.

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 2019-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION
State: MO

Complaint narrative:
Re-submission due to company inaction For the previous several months, I've received dozens of e-mail and postal mail notifications of " pre-qualification '' for a loan from One Mail Financial ( " OMF '' ). After checking ( apparently censored ) reviews of OMF available at XXXX XXXX ( see attached screenshot,  XXXX ), I opted to apply for the minimum loan offered by OMF, {$1500.00}. I completed the application form, and agreed to allow OMF to pull my credit report, resulting in a " hard inquiry ''. I applied and was surprised to be offered a $ XXXX " secured '' loan in lieu of the {$1500.00} installment loan I applied for. I decided to dig a little deeper into reviews of this company and found 100s of complaints of this exact behavior ( see attached image XXXX  ). The story is the same each time ; the company lures prospective borrowers with promises of easy terms, then after capturing the applicant 's data, OMF offers completely different product. Now, I don't know if this would be considered a bait & switch scheme, but it's certainly misleading, damaging to applicants, and hopefully illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: STERLING JEWELERS, INC.
State: KS

Complaint narrative:
On XX/XX/2019- I was at Kay Jewelers inside of XXXX XXXX XXXX in XXXX XXXX , Kansas . When I was in the store we were shopping for products. The sales lady was trying her best to get us to purchase a ring. When we were seated at the counter she asked started talking about their store credit card. As she was talking to us she suggested we see how much credit we might be able to get. After asking a bunch of questions she stated that since it was a 1 day only event that if we wanted to keep the ring we had chosen that we could just buy it to hold it and then if we didn't it then we could return it. At this point I stated that I was still unsure about the pricing {$3000.00}. She then told me that it wouldn't be an issue since she had already opened a card in my name. At no point had I ever seen any credit disclosures, or signed anything that said it was okay to open a card. All of the information she was asking for had been typed in on a screen that I was never shown and never got to sign. Then they put the ring on our account to hold it, which resulted in my account being charged the full amount of {$3000.00}, but never asked me which of their financing options that I would like to use. As a result they charged me interest, {$5.00}, on an item that I went back and cancelled the order a couple of days ( XX/XX/2019 ) later because of the way they had acted. I was unaware of the interest charge until XX/XX/2019 and they also charged me a late fee, another {$5.00} because I had not paid the interest charge on something that I had thought to be cancelled.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
Twice a month since XX/XX/XXXX, I have ran into the issue of USAA holding so much of my funds that I keep having to make late payments and fees on top of it waiting on funds. None of my checks have bounced, so I don't understand the issue. Today I deposited 2 checks totalling {$2500.00}, and I can only access {$500.00}. I have XXXX XXXX blowing up my phone waiting to get paid, but I can't access the money to get money sent! This has gone excessive. I can not continue to have money placed on hold for so long that I keep owing more money to other places due to USAA! It is also RUINING my credit. I am not one fortunate enough to live with extra money. I live paycheck to paycheck with kids.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Preferred Collection and Management, Inc.
State: GA

Complaint narrative:
On XX/XX/19 I set up payments with Preferred Collection and Management Services. I made one payment online and was sent a statement for the three payments post initial payment. I was looking into why I owed $XXXX in the first place since I had not been billed. When the second payment was due on XX/XX/19 I called and payed the balance to avoid any future payments after agreeing I did owe the balance. On XX/XX/19 my bank was drafted a payment of $XXXX. I called wanting to remove my bank card from the records since I have now overpayed. I was told by supervisor XXXX  that preferred does not have my card on file and that I must have made the payment myself. I consider myself a perfectly sane person and know that I did not make the last payment of $XXXX. If they do not have my card on file, I am not sure how they can draft me. I do not trust this company and am truest fed up with them and the lack of respect I received on the phone. They also wanted me to email my bank records as proof that the charge was not backed out. Yeah no I don’t think so! Wow!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: FL

Complaint narrative:
I am a victim of identity theft. My personal information was used to obtain credit with XXXX XXXX. I found out about this when I began to receive debt collection calls from XXXX XXXX. That prompted me to take a look at my credit report and that's when I noticed that someone had used my personal information to apply for and obtain credit. I also noticed that the criminal had tried to obtain credit at other financial institutions as well. This is the worse thing that I've ever had to deal with. It is extremely dejecting trying to deal with the credit reporting agencies and banks to get this fixed.

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 2019-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MI

Complaint narrative:
I have disputed this amount owed for almost two years. In XX/XX/XXXX I resided in a very shady apartment complex and was on a month to month lease. In XX/XX/XXXX I moved out of the complex and provided the management office with 45 days notice pursuant to my original lease agreement which was only for one year and expired in XX/XX/XXXX. I handed in my keys and moved into my house. In XX/XX/XXXX I received a notice from a debt collection company claiming that I had not provided 45 days notice prior to leaving and that I did not turn in my keys until XX/XX/XXXX, which is false. I never went back to that complex once I  left it. I also spoke to the management office several times from in the months leading up to my departure to let them know and to make sure that there was nothing else I needed to do. They are now claiming that I owe upwards of {$1500.00} and they kept my {$850.00} security deposit and put it towards the balance, so really they are claiming I owe closer to {$2400.00}. I 100 % dispute this. They refuse to assist me and they refuse to remove it from my bureau 's. This is abusive collection tactics at it's best. I have been told by one collector that I had a lawsuit against me, which I do not and one collector told me I lived in a state where one could be garnished. At this time no suit has been filed and I feel that the company portrays very abusive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have filed a dispute with unauthorized, fraudulent inquiries and multiple inquires and they refused to respond to this and remove 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 2019-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: AL

Complaint narrative:
Original Loan was {$870.00}. I was told that if paybacks were made on time that total cost of loan would be {$1200.00} ( Im approximating ). 

I have paid {$110.00} on schedule every week totaling XXXX I though I was almost done. I call in and they say I still owe another XXXX if paid by XX/XX/XXXX. 

I do not understand the legality of a {$870.00} loan turning to a {$2000.00} loan when all payments are being made on time. This is not what I was told with the online approval.

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 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
This complaint is about the Bluebird by American Express prepaid card. I am not the only one experiencing this issue. Today I was scheduled to have my paycheck direct deposited onto my card as I have done for months, however the card website, smartphone app, and phone hotline are all down. I am unable to see my balance, use my card or even check to see if I received my direct deposit. This has been going on for hours, with no explanation from American Express. I have gone to their social media pages, mostly XXXX  to ask about the issue and I have seen countless others experiencing the same issues - no access to funds, no login capability and generally no explanation or customer service. Customer service representatives do not know what is going on, what the time frame is to have the issue resolved, and have been extremely rude (even hanging up on callers). It is detrimental to my life and finances to be unable to access my funds, and I have no idea when and if I will be able to. It is 5 days before XXXX, I am a single mother living paycheck to paycheck and I am absolutely livid at this situation. I would like to at least have an explanation but the company only posts that they are "working to resolve the issue, and that we can use our cards in the meantime" - which is not true. No one is able to make any purchases or withdraw any funds from their cards. This is absolutely unacceptable. I am immensely stressed out about this, not knowing where my money is, not knowing when I'll be able to use it. I feel like something needs to be done, the company should not be able to do this to people with no explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I present the complaint of the collection agency XXXX XXXX XXXX. I have never had an account with XXXX and less have opened an account with them, this seems false or some type of " hacker '' that access my credit account so I ask for immediate investigation. They have given news related to this type of situation in : Fake Collection for Non-existent XXXX XXXX XXXX account!! I expect quick action on it. Thank you. 
XXXX 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 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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