vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I joined ebay on XXXX, 2018, and set up a paypal account. After numerous sales, paypal decided to close my account due to " risky sale ''. I was notified that my money, XXXX would be held for 180 days and then released to me. I received an email from paypal stating I could access this money but the account will not let me add bank account to transfer money and/or send the money to a family member. I have complained by email twice and received form type responses. I called on two occasions and they have told me that there is nothing they can do. I would like access to my account and money. Thank you for your time and consideration. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
OnXX/XX/XXXX paypal paid XXXX to the wrong account. I immediately notified them but they refused to reverse the funds. They were paid for by a paypal credit 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 2019-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2019 Bank of America took {$2000.00} from business checking account and applied that amount to Bank of America credit card without my permission or knowledge.

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 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery continues to report this debt to all the credit reporting agencys this debt was settled in XX/XX/2017 please see attached documents from the courthouse. When theyre notified they say that they have left the credit reporting agencies no. This needs to be investigated immediately as it is negatively affecting my credit for two years unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
I have been trying to get a reinstatement quote and instructions for nearly two weeks. I spoke with PHH mortgage first on XXXX to discuss options to bring current. I was told I have to call back on XXXX because they don't have all my information yet. On XXXX I called again and was told no modification was possible and to contact there lawyer " XXXX XXXX XXXX '' to get reinstatement quote and instruction. On XXXX I called XXXX XXXX XXXX and was told it would be 3 to 5 business days because they needed to get information from PHH. On XX/XX/XXXX a called XXXX XXXX XXXX again to follow up since no quote was received. They informed me that they are still waiting on information from PHH. That they would escalate the request and I should have reinstatement information sent to my email by end of day or next day at the latest. I then called PHH XX/XX/XXXX to inform them that the lawyer was still waiting ion them. PHH informed me that they sent mortgage information to XXXX XXXX XXXX on XX/XX/XXXX but would call them right now to confirm. PHH representative then informed me that they spoke to the lawyer and I would have reinstatement quote by end of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC

Complaint narrative:
Re : Specialized Loan Servicing - Loan # XXXX - Home Equity Line Statement The following is the 'second complaint ' in reference to Loan # XXXX serviced by Specialized Loan Servicing ( SLS ) located at XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, CO XXXX. PH : XXXX. 

Attached is a Home Equity Line Statement that I received on XX/XX/2019 from SLS. This is the first time I was informed by SLS of the following fees concerning the payment due date of XX/XX/2019. {$1000.00} for attorney fees and {$190.00} for a finance charge. These fees were never disclosed to me prior to receiving the Home Equity Line Statement from SLS and I don't feel that I should be subjected to those fees. 

I was approved for a loan modification ( see also financial summary ) on XX/XX/2019. My first payment in the amount of {$570.00} was debited by automatic check withdrawal ( ACH ) on XX/XX/2019. I thought all was going well until I received the attached Home Equity Line Statement on XX/XX/2019. 

This is an unjustifiable and deceptive means of doing business on behalf of SLS. Also attached is an email confirmation from SLS stating the monthly amount of {$570.00} to be debited from my checking account. NOTE : No mention of any other fees on the email confirmation. 

I would appreciate it if you would assist me to have SLS remove those never disclosed fees. My next payment is due XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting a judgment on my credit to all the agencies that judgment was discharged in XX/XX/2017 it is illegally fraudulently and on ethically being reported on my credit two years later it needs to be removed and my credit score needs to be adjusted immediately

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 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freisem, Macon Swann & Malone LLP
State: GA

Complaint narrative:
I discussed with XXXX XXXX XXXX, a debt collector, from Freisem, Macon, Swann & Malone, LLP ( FMSM, LLP ) to have a settlement on my debt with XXXX XXXX XXXX. We had an agreement of {$4000.00} to settle my total amount of {$5400.00} and the attorney would help to dismiss the garnishment from XXXX Magistrate Court. However, Mr. XXXX did not inform me that he already received one of my paycheck ( amount {$460.00} ) from the Court and our agreement would include that amount. Therefore, the total amount paid was {$4400.00}, which is not our original agreement ( {$4000.00} ). I tried to contact Mr. XXXX to get the refund but the conversation did not end well, he refused my request. 
I hereby filing this complaint to ask for assistance regarding this issue since I am currently struggling with a severe financial crisis, and such collection practice from the FMSM, LLP is unethical and unprofessional. 
I confirm that the information given in this form is true, complete and accurate. I am willing to cooperate with Consumer Financial Protection Bureau on this matter. 
Thank you in advance for your time and consideration. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This debt was paid in 2017 its still showing on my credit report it needs to be removed immediately please see documents from the courthouse from 2017 its on ethical unlawful and on just for the still to be on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: LA

Complaint narrative:
I have no knowledge of the following inquiry : XXXX on XX/XX/2019 Please investigate to ensure there is no fraudulent activity.

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 2019-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Receivable Solutions, Inc.
State: NY

Complaint narrative:
I have applied for Financial Aid- However Paper work was reshuffled to where I do not know. 
Additionally was given signed papers to send to XXXX XXXXl attached to each and every so called unpaid bill - However those letters seems to also get misplaced at time of opening them by the billing department of XXXX XXXX XXXX I have Blocked the telephone # after I had returned a phone call ( before having gone to Legal Aide of XXXX ) However they somehow seem to have resources to access my phone anyway and commence to call several times a day Thus violating several Laws. 
My only source of income is my Social Security - And there are loads of rights that I as an older adult should have and do have This is gross abuse of an consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
His debt was paid in 2017 to XXXX XXXX this date still being reported to the credit companies that are saying that it still a judgment this is no longer a judgment it needs to be removed its either an ethical issue or its on just and its illegal

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 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXXXXX ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
We understand that the credit bureaus are supposed to conduct investigations and respond with the results within 30 days. We submitted investigation requests back on XX/XX/XXXX, but we still have not received our results.

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 2019-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westwood Legal
State: TX

Complaint narrative:
I have been receiving phone call from a company that is called TE & A also know as Trinity Everest and associates. They have been calling from XXXX. The phone calls started in XX/XX/XXXX of XX/XX/XXXX. they threatened me with further legal action .On their voice mails that were left on XX/XX/XXXX, XXXX, and XXXX they stated there is a motion being filed to suspend all bank accounts and tax returns bearing my social security number. if i did not participate they will go forward with due process with out my participation. 
On XX/XX/XXXX.i spoke with them because the phone call had been increasing they stated their name was Trinity Everest and associates. They were trying to reach me regarding a judgment they would be placing against me. resulting in the freezeing of my accounts and collect moneys owed by garnishing my wedges or tax return if the debt i owe is not paid. They claim that an outstanding dept of {$150.00} is owed to XXXX XXXX for an outstanding overdraft fee from XX/XX/XXXX. They claim the debt went into default in XX/XX/XXXX and was up to {$570.00} and now because of their collection services it is up to {$1500.00}. They claimed that if i did not settle this debt a judgment will be placed against me and i will owe {$3900.00} because of the additional collection fees and court costs. 
When i spoke with the company on XX/XX/XXXX I asked to speak to a supervisor he said his name was XXXX XXXX an attorney handling my case. The phone number i could reach him on was XXXX. I asked for them to send me the debt i owed or any information regarding the debt to me in writing but he refused to do so, saying that they had in the past tried, and started giving me a lot of legal jumble in order for me to give him a payment right away, He said if i payed most of the debt by credit card to him it would settle the debt. I offered to pay if he sent me a letter head of the company and proof of the debt. He told me he could not but once i gave him a credit card number in good faith that i would pay he would settle the outstanding debt and cease further legal action, and send me a letter stating that the debt was settled. 
Today XX/XX/XXXX they company continues to call me. I blocked the old number ( XXXX ) XXXX-XXXX so they have called from a different number XXXX threatening me again to make a payment or they will continue with the judgment.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had issues back in XX/XX/2015I asked my bank to close my account on my choice becouse there were errors and I couldnt deal with it so I asked to close the account. Now am denied to open an bank account in every bank I go to I keep getting letters.

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 2019-04-16 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: IL

Complaint narrative:
To whom It may concern I am filing this complaint against the credit bureau Experian. My complaint consists of Experian not properly investigating and reporting the XXXX XXXX that is currently reporting a {$4900.00} balance on my Experian credit report. The company XXXX XXXX, which is located at XXXX XXXX XXXX XXXX, XXXX IL XXXX, and contact number ( XXXX ) XXXX-XXXX. According to XXXX XXXX they sold this account to an unknown collection agency over four years ago in XXXX, but they are currently reporting the information to XXXX, and Experian as an open account which is Illegal. I contact XXXX XXXX on XX/XX/XXXX, by phone and asked the representative who I spoke to give me the collection agency information in reference to get this account resolved, and the representative decline to give me the current collection agency any information about this account. I disclosed to the XXXX XXXX rep. that this information is repeatedly reporting on my XXXX and Experian personal credit file, and I have the right to request this information, then the XXXX XXXX rep hung up. I contacted Experian numerous of times about this XXXX XXXX account that is illegally being reported on my Experian report. Experian response was that they investigated the dispute for the account, and they determined that the information is accurate. Experian is being misleading and untruthful, again this account was sold by XXXX XXXX to an unknow collection in XXXX, with being said it is illegal for XXXX XXXX to continue to report this account to Experian or any other credit bureau. Experian need to remove this XXXX XXXX account from my credit file.

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
one BANKRUPTCY CHAPTER XXXX case number XXXX date filed XX/XX/2017, was reporting under my name, with experian credit reporting agency, i disputed and since it was not accurate information belonging to me was removed and after one week this inaccuracy was placed back under experian again. i have disputed and they are not being helpful at all, they just disputed again but i was not able to have that removed. 
i will be attaching my documents which i provided to experian and all the three bureaus. they all have removed this inaccuracy at once. please have experian also removed this inaccuracy as son as possible. i XXXX and found out that you will be able to help me in this matter. 
thank you for your cooperation

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX   account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference pages 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXXXXXX   account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference pages 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-16 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Bank refused to correct an unauthorized charge on my Visa card. Please see attached letter dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a Collection Agency that has been listed on my credit report. I have no knowledge of the debt. I am unable to contact the Collection agency to resolve this matter. I believe this debt is invalid and is not mine. This company must provide proof of validation of a contract of an obligation of debt. 

Account Name : XXXX XXXX Account Number Unknown

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