vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This is a complaint against Paypal for the account user with email XXXX. Paypal has a negative balance for this account totaled - {$930.00}. The negative balance was paid from my XXXX account on XX/XX/2020. 

An item was sold on XXXX for XXXX. After the sell the buyer requested a refund in which the money was refunded via Paypal for XXXX, which left a negative balance on my Paypal account. The buyer never returned the purchased item ( tracking provided which shows the item was never sent ). This meant the buyer had his money returned and also the item purchased through XXXX. 

On XX/XX/XXXX, Paypal was paid XXXX via XXXX ( document provided ) to cover the negative Paypal balance. A dispute was opened with XXXX and Paypal which stated that I never received my item I sent to the buyer and money has been sent to Paypal through XXXX to cover the negative balance. 

Today XX/XX/2020, I still have a negative balance in Paypal and XXXX has paid Paypal on XX/XX/2020 but Paypal has NOT updated the Paypal account to reflect this payment. 

I would like Paypal to acknowledge this payment and to bring the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I received your verification of the debt that I owe. Based on the documents you provided for verification I am in debt for the amount of the reletting fee of {$460.00} The amount for rent in XXXX of {$430.00} is not valid since I moved out in the second week of XXXX and I provided verbal and written notice of when I would be moving out. There is also a cleaning/maintenance charge of {$390.00} that was not verified. The apartment was left the way it was when I first moved in and there was no mess or personal items left behind. 

At this time the only amount I am obligated to pay back is the reletting fee and that is the only amount you are legally able to collect for. 

Based on the amount they initially alleged I owed of {$1000.00}, minus the {$430.00} and minus the XXXX the only amount I owed to you is {$190.00} Please update your account and mail the updated documents to reflect the actual amount you verified that I owe. If you disagree please send me verification of the other alleged debts including the contract indicating I owe rent after I have left and that I owed cleaning/maintenance after I have left. I also require receipts and invoices of any cleaning or maintenance done if it is verified that I owe this amount. 

Once I receive the updated information on my account I will promptly make the payment online. Again, the only amount verified with the documents you provided is for {$190.00}

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 2020-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX I was notified from Superior Court of New Jersey Law Division XXXX  New Jersey for a credit card balance Docket XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was in collection agency Midland Funding L. L. C. with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX File XXXX it is XXXX XXXX XXXX ( now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) file. I went to Superior Court in New Jersey, XXXX  County to answered that lawsuit. Therefore, few years ago I called Dell to set-up the account and pay monthly lower payments. But, XXXX XXXX XXXX told that did not had this account, because they sold to XXXX XXXX XXXX for {$500.00}. Also, XXXX XXXX XXXX harassments a customer from credit cards made business with bad manners to get wealth. XXXX XXXX XXXX  harassments me with calls and used the law for that propose. They hurt me in many manners, since they harassment me still doing. Yesterday XX/XX/XXXX, at XXXX a Sheriff from XXXX   City knocked my door in my house. The Sheriff come to my home because XXXX XXXX XXXX Now XXXX XXXX XXXX XXXX XXXX XXXX pay them a fee uses the Law their way for harassments made me with frighten me. The Sheriff told me, he is doing his job but for {$4600.00} Docket # XXXX XXXX. It is not right to came somebody home a made inventory about what I have in my home and take away someone needs. I believe that XXXX XXXX XXXX ( Now XXXX XXXX XXXX XXXX XXXX ) This account is from XX/XX/XXXX, Has A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. It falls in the three to six years range, although in they need to show me that own that amount. and this is too old. So, I am not own nothing, Status of Limitation had already passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding Wont remove a debt it keep being removed and then put back company has no records. Reps called and were rude or called so many times I had to change my number. I called spoke with a rep told them I was filling dispute with I have 9 times.

XXXX XXXX keeps inserting a old bright house bill past 10 years old. Once again it gets removed through the credit companies. And 2 year so maybe put back on which is dropping and surging my score. It creates hardships for me. I follow the rules I dispute but it doesnt matter because collections companies dont follow the rules they sell it and another collection company stars to harasses me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
Son is a XXXX XXXX but I am XXXX service connected vet, these guys call are very threatening, saying I have no way out if this, speaking like the mobsters Payments that fit my budget is refused When ask them to put any offer in writing they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
After I made a full payment to complete my vehicle loan over the phone with the agent on 2/3 in the amount of {$23.00}. The agent confirmed the loan was paid in full and I would receive no further charges and that I would receive the title in the mail in 3-4 weeks. 48 hours after that phone call an additional debit on my checking account was made by Citizens bank for {$22.00}. This was not an authorized charge as my loan was satisfied and my business with Citizens bank had been concluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My identification theft has caused me to have an BLANK fico score, and Ive shown multiple documents that prove I'm an XXXX  victim of an federal offense. Sgt. XXXX of the XXXX  XXXX, Texas Police department has all the evidence to send my police report to my home state of XXXX XXXX, Nevada. 

My employer, XXXX  XXXX has been notified, XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX 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 2020-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
These customers reps want XXXX per month I can not afford what they want, sallie mae is hard core refusing to assist they are not willing to work with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I made a purchase for XXXXEUR through a website and used Paypal to do so. I used a debit card and wanted my card issuer to convert the currency upon receiving the transaction. Paypal defaulted to converting the currency for me and charged me a fee to do so. According to my Paypal user agreement, it is my choice to have Paypal or the card issuer convert the currency. I called Paypal and after spending an hour on the phone and escalating three times, a woman named XXXX would not refund the conversion fee to me nor fix the issue. She kept telling me it is up to the merchant to decide if Paypal or the card issuer will convert the currency. I told her that was wrong and what my user agreement stated. Paypal has charged me an illegal currency conversion fee in violation of my Paypal user agreement and I want the money refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio America Asset Management, LLC
State: IN

Complaint narrative:
XX/XX/2020 They just tried to call and they have responded to my complaint or no call order from sent in earlier and you've sent they a follow up letter

Company response to consumer: Untimely response
Consumer complaint received 2020-02-13 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 am disputing Fraudulent Inquiries on my Credit Report 1. XXXX XXXX 2.XXXX  XXXX 3.XXXX  XXXX XXXX  4.XXXX XXXX  Please remove these as these are fraudulently done as a result of Identity Theft which I am trying to get resolved.

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 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian has been reporting wrong information Iv put in many deputes and I get nothing Im being working very hard to better my reports but Experian is the only company that refused to FIX this I dont know what else to do!!? 
I am ready to take future action at this point They report negative payments when Iv been  paying early The have a time share that is not mine Im paying my bills early and working extra just for them to refuse to fix this

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 2020-02-13 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: M&T BANK CORPORATION
State: NJ

Complaint narrative:
XX/XX/2019 XXXX reported a credit inquiries for - M & T BANK I DO NOT HAVE ACCOUNTS WITH THIS BANK.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My identification theft has caused me to have an BLANK fico score, and Ive shown multiple documents that prove I'm an homeless victim of an federal offense. Sgt. XXXX of the XXXX  XXXX, Texas Police department has all the evidence to send my police report to my home state of XXXX XXXX, Nevada. 

My employer, the XXXX has been notified, XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My identification theft has caused me to have an BLANK fico score, and Ive shown multiple documents that prove I'm an XXXX victim of an federal offense. Sgt. XXXX of the XXXX  XXXX, Texas Police department has all the evidence to send my police report to my home state of XXXX XXXX, Nevada. 

My employer, the XXXX has been notified, XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
This complaint is for Ally bank. They have been harassing me and my mother for months. Seemingly by the same lady. She called my mother approximately a week ago from XX/XX/2020 and screamed at her through the phone, threatened her with legal action, yelled at her that she will be sued, and her account, credit and her will be ruined. The same woman called me today ( XX/XX/2020 ), was extremely rude and lied to me telling me that the truck was mine now and that my mother had told her I had the truck, and I was authorized on her account. She threatened me with legal action, threatened my mother again with legal action and said that the company will sue her and that things are going to get worse for her. I do NOT have any legal bind to said vehicle and they DO NOT have any authorization to call me. I've told them time and time again to remove my number and they refuse. My mother has been trying to work with the company since day one, and they refuse, they simply call to yell at her ( and me now ), threaten her and they do not provide any sort of help in the matter/ resolution.

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 2020-02-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing Fraudulent Inquiries on my Credit Report 1. XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX  Please remove these as these are fraudulently done as a result of Identity Theft which I am trying to get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION

Complaint narrative:
We are a call center for a college in Arizona. We have an emergency phone that we are responsible for, and have been receiving numerous robo-calls from Amerisave Mortgage. The call always disconnects when we answer it, and we have called each time to ask them to take our number out of their system. They always tell us that our number is not in their system, yet we continue to receive calls from them, sometimes multiple times a day. 

The calls started on XX/XX/20 at XXXX from XXXX. At that time I personally called and spoke to their customer service department, and was told they would stop calling. Since then they have called our emergency line : XX/XX/20 XXXX from XXXX XX/XX/20 XXXX from XXXX XX/XX/20 XXXX from XXXX XX/XX/20 XXXX from XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
IN XX/XX/2019 I PAID A SETTLEMENT AMOUNT TO XXXX XXXX XXXX XXXX  BY A & XXXX  XXXX IN XXXX XXXX,., WITH COMENITY BANK WHO ADMINISTERS THE CREDIT CARDS FOR XXXX XXXX XXXX., IT WAS XXXX.. HE AGREED TO REMOVE ALL OTHER FEES,., AND CLOSE THIS ACCOUNT,., HE LIED COMENITY BANK HAS HARRASSED ME AND CONTINUED TO FRUADENTLY SEND THE RISING STATMENTS NOW AT {$600.00} FROM THE {$120.00} SETTLEMENT AMT.. 
WHEN I CALL THEM XXXX XXXX XXXX,., THE CALL GOES TO THE BANK INSTEAD AND THEY ACT LIKE THE BILL COLLECTORS FOR THE CO INSTEAD OF A REGULAR BANK,., TELLING ME OH WELL YOU PAID OFF THE STORE BUT WE DIDNT GET OUR MONEY,., THE EXTRA {$500.00} IN FEES THEY ARE TRYING TO EXTORT FROM ME,., AFTER XXXX XXXX SAID I COULD PAY THE {$120.00},., TO DATE XXXX XXXX OR HIS EXTENSION EXIST,. AND COMENITY BANK MALIOUSLY CUTOFF MY VICTORIA   SECRET ACCT IN XXXX.IT WAS IN GOOD STANDING, AND I HAD RETURNED ALL ITEMS I BOUGHT AT XXXX  XXXX XXXX,, WHICH NEVER GOT APPLIED TO ACCT,, AS WELL,., I WAS IN A DISPUTE ABOUT MY ACCT SO I NEVER PAID,. BUT JUST AGREED TO SETTLE THIS ACCT,., COMENITY BANK HAS REPORTED NEGATIVE SPITEFULLY SO IN ALL CREDIT BUREAUS TIL I HAD TO FIND SOMEONE TO HELP ME STOP THEM FROM DOING THIS TO ME OR ANYONE AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
1 ) Nine fraudulent charges made by XXXX XXXX/XXXX  for {$75.00} posted to cardholders Citibank Government Travel Card statement summary on XX/XX/XXXX. 
2 ) Cardholder reports charges as fraudulent to XXXX on XX/XX/XXXX. 
3 ) XXXX sends cardholder merchants ( XXXX XXXX/XXXX  ) rebuttal via email on XX/XX/XXXX.

- XXXX XXXX/XXXX 's rebuttal contains inaccurate information pertaining to cardholders Government Travel Card account with CitiBank.

- Documents provided to CitiBankCommercialCardsInvestigations by XXXX XXXX/XXXX  fail to include cardholders correct home address and signature authorizing nine separate transactions placed to the cardholders account. XXXX XXXX/XXXX  wrongful accuses the cardholder of agreeing to their cancellation policy, and the charges placed, without providing written proof of such agreement. CitiBank proceeds to hold cardholder fiscally responsible for payments although XXXX XXXX/XXXX  does not provide documentation of agreement between cardholder and XXXX XXXX/XXXX. CitiBank employs a " {$0.00} Liability on Unauthorized Charges '' policy which has not been upheld. 
4 ) XXXX closes investigation on XX/XX/XXXX without providing cardholder justified resolution to the fraudulent charges made to their account. The cardholder is being held fiscally responsible to pay fraudulent charges in full by CitiBank.

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 2020-02-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;

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 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have called 5 different times, and Experian has a completely bogus system that will not allow you to speak to a person. After listening to their horrendously ineffective system blather at me for literally hours, I still have not spoken to someone. I want to have my credit unfrozen. They send me to a ridiculous voice message that says i have to include my pin and send my mail. Are you kidding me? i need to do it now, not next week, and i don't remember my idiotic pin number. This is not protecting my credit. This is just infuriating. How do i actually speak to someone who can help me? i don't know my pin, and they won't speak to me to help me reset or obtain my pin. Worst.Company.Ever.

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