vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I used paypal credit to send XXXX dollars to my wife on XX/XX/2019 using the option to send money for goods it sent the money but would hold it for 22 days. It doesn't tell you it holds the money until after you transfer it. So I sent her another XXXX using send to friends option since this was supposed to be faster. She needed the money soon. This charged me a fee and sent her the money. She then paid a fee option also to have it deposited right away of 1. % or she could pay no fee and wait 2-3 business days. It took the fee from the money but 7 days later and the money was still not transferred. She issued a refund on the site to me on the XX/XX/XXXX. The refund was never processed. She also called and was told her refund was processed and it never happened. I called today on XX/XX/2019 and the refund was still not processed and never showed she issued a refund even though she did it and called a rep to verify it. Paypal put me on hold for 50 minutes today XX/XX/2019 told me to request my XXXX dollars back from her and I would not get the fees reimbursed and she wouldn't either. Then hung up op on me. I call back and wait 22minutes but they can't do anything on level one because of their system they don't have any control over it like it became self aware and they no longer have control over it. My only option was to get transferred again to hold abyss for 50 minutes where an unfriendly non-English speaking rep would have me re-explain the whole situation again. I owe PayPal XXXX dollars minus fees for money they never transferred to the recipient. And to get it back I need to request the money from the recipient and have them also pay fees to send it. 

TLDR : Paypal charged me XXXX plus interest fees and the recipient fees to transfer XXXX dollars they never transferred. Now they want to keep those fees and have me request the XXXX dollars back from the recipient having them pay fees for money they never transferred to the recipient 's bank 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 2019-01-26 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: MO

Complaint narrative:
XXXX XXXX  & Transunion are reporting accounts that I have no knowledge of.

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 2019-01-26 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: MO

Complaint narrative:
Experion XXXX & XXXX are reporting accounts that I have no knowledge of.

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 2019-01-26 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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: SD

Complaint narrative:
Discover Card has been harassing me as well as illegally reporting an " Alleged '' credit card in my name with a past due balance. I have taken all steps including filing an ID Theft Report as well as the CFPB. This has been going on since XX/XX/2018 with them continuing to report this credit card on my XXXX  credit report under my name and social security number. They have received direction from the South Dakota Attorney General 's Office stating this is an ID Theft incident and are refusing to comply with the Attorney General 's Office directive. They can not provide any contract bearing my signature, they are not licensed to operate in South Dakota and refuse to follow South Dakota Law or Fair Debt Collection Practices Act, and Fair Credit Reporting Act for the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial opened a collections account for XXXX on XX/XX/2018 Firstly the date is in wrong and doesn't correspond to any time I went to the hospital. Second all of my hospital bills were paid by me directly at the time service was rendered and all other charges are between the hospital and the insurance company. You shouldn't be able to decide months MONTHS! later that someone owes you another XXXX and then send that amount to a shady collection agency that then waits months and puts buts a bogus collection on my credit report for a XXXX  charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX I purchased two {$50.00} XXXX XXXX & XXXX XXXX Gift Cards from retailer XXXX at their store in XXXX, LA. The cards were purchased using my Chase Sapphire Checking Account Debt Card at one of the self-checkout registers. The transaction posted to my bank account but I found out days later when I gave the cards to a family member that the cards were not activated. 
After checking my XXXX  receipt, it shows on the line item details, Invalid Barcode but it still allowed me to pay for the gift cards without activating the gift cards. 
I have been back to the retailer 3 different times now to try and resolve the matter, each visiting taking an hour or more. I have been referred to XXXX gift card customer support department by XXXX  customer support department and viceversa. Both companys support representatives say that their is nothing that they can do and that it is the other retailers responsibility to fix it. 
Today, I went one last time to the XXXX  store which I purchased the gift cards and asked to speak directly to the store manager. She was unable to help me and then sent out the Asset Protection Supervisor ... ..his name is XXXX and his statement was, There is nothing we can do to fix this for you because it shows that the transaction went through our system and if the wrong barcode was scanned it shouldnt have let you complete the purchase. 
After showing him that the receipt indicates Invalid Barcode and the transaction being completed dispite the wrong barcode being scanned, he said I dont know what to tell you. There is nothing that we can do. I asked to speak to his supervisor, and he said that his supervisor, XXXX, wasnt working today ( XX/XX/XXXX ) and to try back Monday at XXXX. 

I can not get my money back, and even though I no longer need the gift cards, I would still accept XXXX  issuing me new gift cards or activating the ones that I paid for. 

XXXX  Reciept ID # : XXXX Purchase Made with Card Ending in XXXX Card Holder Name : XXXX XXXX Amount of Purchase : {$90.00} Time of Purchase : XXXX CST Date of Purchase : XX/XX/XXXX XXXX  Store : XXXX XXXX XXXX , XXXX, LA XXXX XXXX Store Phone # : XXXX *Note - I was only charged {$90.00} for two {$50.00} Apple XXXX & XXXX XXXX Gift Cards because XXXX was offering Buy One get the second One 20 % Off, which was a discounted value of {$10.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
XXXX XXXX has been harassing me as well as illegally reporting an " Alleged '' credit card in my name with a past due balance. I have taken all steps including filing an ID Theft Report as well as the CFPB. This has been going on since XXXX of 2018 with them continuing to report this credit card on my Equifax credit report under my name and social security number. They have received direction from the South Dakota Attorney General 's Office stating this is an ID Theft incident and are refusing to comply with the Attorney General 's Office directive. They can not provide any contract bearing my signature, they are not licensed to operate in South Dakota and refuse to follow South Dakota Law or Fair Debt Collection Practices Act, and Fair Credit Reporting Act for the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: U.S. BANCORP
State: VA

Complaint narrative:
Every month during 2018, the credit card company locked me out of my account with unfair practices, such as burdensome password requirements and phony security questions that I could not have answered 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 2019-01-26 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: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
Before the end of 2018, them my fianc and I changed, partly due to my identity was stolen and issues with our bank which is another story. So when I set up the auto pay feature on this account because we have two accounts with our bank, I mistakingly flubbed up the account numbers and I got them confused so I bit some pieces from each account number in the other one and it took a month or two to figure out why the payments werent going through, which leads me to now, twice in XXXX I called and we figured out that the account number was one digit off I was told that it was changed in the auto pay, and I was good to go, so the auto pay happens does not make the total minimum amount due only pays XXXX dollars when it shouldve been XXXX and I had been trying for at least two months to call and change the account number from the payment account and I was told it was done hum, and then the payment still werent going through, that disable the auto pay without being told it was XXXX therefore it wasnt automatically making payments, - I call just several days ago and still have not heard anything back of whats going on and now that you have marked our credit report as delinquent and they are the ones flubbing it up now - It is not our fault that the auto pay did not work as it should - What sport the original phone call was I tried to make a payment online and it wouldnt let me I have a screenshot of that as well that I will include

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 2019-01-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
loan XXXX Ocwen is the servicer and refuses to help modify the interest only loan that was given erroneously years ago. 
It was a bad loan from origination. 
I've sent in requests over and over again Ocwen is pulling my credit without my authorization causing my credit score to decrease. 
I have never given them authorization to check my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. 

As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, Equifax, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. 

The continued publication and dissimination of this inaccurate credit information is a manifest injustice. 

Next, I have been unable to " get verified '' by XXXX XXXX, XXXX  or Equifax in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called and talk to an representative for Transunion about credit about inquiries that were unknown to me. The inquiries are as followed, 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX  3.XXXX  XXXX XXXX XXXX  Each one has multiple inquiries I hope this can be corrected and there are more to be reported.

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 2019-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PCS Receivables Corp.
State: FL

Complaint narrative:
my identity was stolen and I have debt collectors calling me & harassing me. I tried explaining I don't know the Company but they think I'm lying which upsets me

Company response to consumer: Untimely response
Consumer complaint received 2019-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My loan was sold from XXXX XXXX XXXX & Reporting to JP Morgan Chase Bank In XX/XX/2018. At the time my loan was sold I was 3 months ahead on my payment. I do this intentionally as I am a self employed person and want to be ahead on my payments. I have called and requested payment coupons twice and have still never received anything. They have told me that I was current and my next payment is due in XX/XX/XXXX. I am frustrated that they will not send me anything so that I can stay ahead of my payments. Over the last two months I have been paying interest on the principal balance. If you look at my history with my previous loan you will see that I not only pay ahead but I pay extra to keep my balance decreasing. Is there any way I can have my loan transferred back to the previous servicer? I am very displeased with the current servicer and there lack of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. 

As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, Trans Union, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. 

The continued publication and dissimination of this inaccurate credit information is a manifest injustice. 

Next, I have been unable to " get verified '' by Trans Union, XXXX  or XXXX in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.

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 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. 

As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, Experian, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. 

The continued publication and dissimination of this inaccurate credit information is a manifest injustice. 

Next, I have been unable to " get verified '' by XXXX XXXX, Experian  or XXXX in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.

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 2019-01-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
US Bank, XXXX - charged off XX/XX/XXXX. I fought this. I was in touch with bank teller in XXXX, TN. He wasn't even with the Mortgage dept. i could have paid off balance where i was a few months behind due to unemployment. 'XXXX '' sent my account to charge off status. I called several times to have this reversed. 
Since that time, i never received a statement, nor had to pay on the account. 
XXXX XXXX. receive a statement, after my main Mortgage account was sold to XXXX XX/XX/XXXX. 
The statement reflects $ XXXX due XX/XX/XXXX in delinquency -- 5 years later when there was no resolution within that time to set up payments.

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 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, XXXX XXXX, Credit Karma, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. The continued publication and dissimination of this inaccurate credit information is a manifest injustice. Next, I have been unable to " get verified '' by XXXX XXXX, XXXX or XXXX  in order to obtain a code to temporarily lift my credit freeze. TO  say I have been led down a primrose path in my multiple attempts is an understatement.

Company response to consumer: Closed with explanation