vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
See previous complaint submitted against PayPal. I have obtained more evidence from XXXX XXXX. A transaction of {$79.00} thru PayPal was disputed, requesting a {$53.00} credit. PayPal claims that I did not have a bank account associated with the account. So what? Their website allows ONE form of payment, which was XXXX XXXX. If that was a problem, maybe I should redesign their website. Anyways, the transaction was disputed with both PayPal and XXXX XXXX, which is perfectly legal. XXXX XXXX issued a credit of {$53.00}. However, PayPal closed the dispute and charged the amount to my PayPal account. See enclosed documentation from XXXX XXXX, which confirms a credit of {$53.00} was issued. The dispute was closed in my favor. However, XXXX XXXX ( who is afraid to provide contact info ) falsely claimed that XXXX XXXX sided with the merchant. Obviously, the documentation shows otherwise. We have two billion dollar companies - PayPal and XXXX XXXX - who mixed up the transfer of {$53.00}. Now, PayPal is trying to charge my account. I attempted to call PayPal from the number provided by XXXX XXXX from PayPal 's response to CFPB, but the representative informed me it was an attempt to collect a debt. Per XXXX XXXX 's response to CFPB, debt collections were to stop. Thank you XXXX for providing proof to a federal agency that PayPal is using tactics to violate the Fair Debt Collection Practices Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
I have sent everything that The Money Source has asked for and they have essentially refused to look at the information they requested. They will not take a payment unless I have the entire amount. Since starting this process in XXXX I have the feeling that they want the house back and I have no where to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My former banking institution seized my IRS refund to pay for charged-off debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: Colony Brands, Inc.
State: FL

Complaint narrative:
I filed a complaint with CFPB complaint number XXXX your response was you have the account listed as a charge off, please see attached credit report you have this listed as a profit and loss. It is not a profit and loss I paid this in full. If anything this should only be listed as a charge off. You also stated in your response I never contacted you prior to my complaint filed this is incorrect I spoke with XXXX  on XX/XX/XXXX at XXXX she advised me she can not correct my credit from stating this is a profit and loss that the bureaus would have to fix again please see attached credit report along with complaint showing you reported this as a profit and loss and not just a charge off. My next step will be to retain an attorney as I want this corrected to reflect the correct reporting. I do not understand what is so hard about reporting this accurately. Someone in your establishment needs to do the right thing and take some time and correct my report. Someone took the time to incorrectly report it that the same person should take the time to correctly report it. I want it to be fix on XXXX XXXX and XXXX XXXX where it is not showing both a charge off and profit and loss. It needs to show on both that it is a charge off. I paid on XX/XX/XXXX I paid both accounts on the same day and I send a copy of the bank statement showing were they were paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I received in the mail an unsolicited and unwanted credit card, apparently affiliated with a timeshare. I did not activate the card. 
I was shocked to subsequently receive a billing statement in XXXX albeit with XXXX  due amount. I called the company to ascertain what exactly happened. I notified the company, Barclay bank that I neither was informed of any credit card application ; nor authorized ; nor signed any application. 
I spoke to five different employees, one twice ( XXXX ) in Customer Service, Fraud, and a Supervisor. I was appalled to learn Barclays perspective - that the timeshare company ( Wyndham  ) has the opinion I authorized the card. 
Not only have I received negative impact to my credit score by issuing this card fraudulently, cancelling it becomes another adverse credit event. This is unacceptable, and I seek your assistance to rectify this atrocious conduct.

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 2020-03-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I settled/paid the ATTACHED account with XXXX XXXX XXXX XXXX ( XXXX  ). Some months ago, I disputed this account, to verify all account information, with Equifax Credit Reporting Agency. I have not received the results of this dispute..In fact, it still shows in COMMENTS, " CONSUMER DISPUTES THIS ACCOUNT INFORMATION ''. Because of this COMMENT, I am blocked from disputing it again directly through Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been a customer of Discover Bank for five years. They have a bill pay service common to most banks. Some bills need to be mailed up to five days in advance of their due date. Recently, they made a change where you can not send out a bill payment unless those exact funds or more are in your account. This will make it so my bills will arrive late. 

For example, lets say I have a bill that is due on Tuesday. In this example, lets say my direct deposit arrives the Friday before. In the past, I could send my bill out on Tuesday or Wednesday the week before the bill is due, knowing that my direct deposit on Friday would arrive. 

The bank is nannying me to the point where I cant conduct business regularly. I tried calling them to see if they would change this, but the phone attendants are no help. They did not make this policy they can only apologize and explain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
I have contacted this collection agency after learning about a collection amount on my credit report in XX/XX/XXXX. I spoke to an agent at was told this collection was due to services rendered on XX/XX/XXXX. Upon learning this I immediately contacted my insurance company and they provided me with an explanation of services paid to the provider that clearly states all was paid in FULL. with the exception of my co pay of {$70.00} to which was paid and the original prover confirms this.. I forwarded that proof to the collection agency and they refuse to remove from my credit and also to submit a satisfaction letter to show their error. I believe this is a scam from someone who got our information and they refuse to provide me with proof of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: MD

Complaint narrative:
Good Day, I am writing to dispute the derogatory credit mark made against me by XXXX XXXX XXXX. XXXX XXXX received a payment of {$2900.00} on XX/XX/XXXX for the XXXX billing cycle. Due to an update to the escrow amount, the payment was short {$57.00}. I did not receive a notification letter nor was there an email or phone call of said change that would warn me that my mortgage amount had updated. After being out of the country from XX/XX/XXXX through XX/XX/XXXX, I was shocked to receive a letter from XXXX XXXX claiming I was 30 days past due on my account. 

Upon returning from being out of the country, I immediately called XXXX XXXX customer service to understand the matter fully and address it, I was educated by the representative that instead of leaving the funds in suspend ( per XXXX XXXX 's policy ), the payment was processed as a principal-only payment. The payment was never noted to be a principal-only payment, rendering my account 30 days late. If the payment was left in suspend, then the following payment of {$2900.00}, received on XX/XX/XXXX would have rendered the XXXX balance to be paid in full. After several calls to their customer service, they ultimately reversed the principal-only payment, acknowledging the incorrect process, but will not reverse the derogatory credit reporting caused by their error. Due to this processing error on XXXX XXXX XXXX part, I do not agree with the negative assessment placed against my credit report. 

In my 3 years of home ownership, I have never missed a mortgage payment, or any other payment for that matter, and my credit score and history reflect that. XXXX XXXX XXXX lack of clear communication regarding the escrow update, making my mortgage payment a principal-only payment, and the lack of ownership for their processing error, makes it clear that they do not care about the average consumer. 

Attachments : 1. I have provided a copy of their statement that explains their " Partial Payment '' policy, in which they did not follow. 
2. I have provided my payment statement that shows XXXX payments processed for the same amount as the XX/XX/XXXX, however, XXXX XXXX processed it as principal-only, unauthorized.

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 2020-03-04 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: MD

Complaint narrative:
Good Day, I am writing to dispute the derogatory credit mark made against me by XXXX XXXX XXXX. XXXX XXXX received a payment of {$2900.00} on XX/XX/XXXX for the XXXX billing cycle. Due to an update to the escrow amount, the payment was short {$57.00}. I did not receive a notification letter nor was there an email or phone call of said change that would warn me that my mortgage amount had updated. After being out of the country from XX/XX/XXXX through XX/XX/XXXX, I was shocked to receive a letter from XXXX XXXX claiming I was 30 days past due on my account. 

Upon returning from being out of the country, I immediately called XXXX XXXX customer service to understand the matter fully and address it, I was educated by the representative that instead of leaving the funds in suspend ( per XXXX XXXX XXXX policy ), the payment was processed as a principal-only payment. The payment was never noted to be a principal-only payment, rendering my account 30 days late. If the payment was left in suspend, then the following payment of {$2900.00}, received on XX/XX/XXXX would have rendered the XXXX balance to be paid in full. After several calls to their customer service, they ultimately reversed the principal-only payment, acknowledging the incorrect process, but will not reverse the derogatory credit reporting caused by their error. Due to this processing error on XXXX XXXX XXXX part, I do not agree with the negative assessment placed against my credit report. 

In my 3 years of home ownership, I have never missed a mortgage payment, or any other payment for that matter, and my credit score and history reflect that. XXXX XXXX XXXX lack of clear communication regarding the escrow update, making my mortgage payment a principal-only payment, and the lack of ownership for their processing error, makes it clear that they do not care about the average consumer. 

Attachments : 1. I have provided a copy of their statement that explains their " Partial Payment '' policy, in which they did not follow. 
2. I have provided my payment statement that shows XXXX payments processed for the same amount as the XX/XX/XXXX, however, XXXX XXXX processed it as principal-only, unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: MD

Complaint narrative:
Good Day, I am writing to dispute the derogatory credit mark made against me by XXXX XXXX XXXX. XXXX XXXX received a payment of {$2900.00} on XX/XX/XXXX for the XXXX billing cycle. Due to an update to the escrow amount, the payment was short {$57.00}. I did not receive a notification letter nor was there an email or phone call of said change that would warn me that my mortgage amount had updated. After being out of the country from XX/XX/XXXX through XX/XX/XXXX, I was shocked to receive a letter from XXXX XXXX claiming I was 30 days past due on my account. 

Upon returning from being out of the country, I immediately called XXXX XXXX customer service to understand the matter fully and address it, I was educated by the representative that instead of leaving the funds in suspend ( per XXXX XXXX XXXX policy ), the payment was processed as a principal-only payment. The payment was never noted to be a principal-only payment, rendering my account 30 days late. If the payment was left in suspend, then the following payment of {$2900.00}, received on XX/XX/XXXX would have rendered the XXXX balance to be paid in full. After several calls to their customer service, they ultimately reversed the principal-only payment, acknowledging the incorrect process, but will not reverse the derogatory credit reporting caused by their error. Due to this processing error on XXXX XXXX XXXX part, I do not agree with the negative assessment placed against my credit report. 

In my 3 years of home ownership, I have never missed a mortgage payment, or any other payment for that matter, and my credit score and history reflect that. XXXX XXXX XXXX lack of clear communication regarding the escrow update, making my mortgage payment a principal-only payment, and the lack of ownership for their processing error, makes it clear that they do not care about the average consumer. 

Attachments : 1. I have provided a copy of their statement that explains their " Partial Payment '' policy, in which they did not follow. 
2. I have provided my payment statement that shows XXXX payments processed for the same amount as the XX/XX/XXXX, however, XXXX XXXX processed it as principal-only, unauthorized.

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 2020-03-04 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 CHECK MY CREDIT PROFILE AND THERE WAS SEVERAL IN CORRECT ACCOUNTS LISTED ON MY REPORT SOME OF THE ACCOUNTS I WAS NOT AWARE OF IM NOT SURE IF A CLOSE FRIEND, CO WORKER OR FAMILY MEMBER USE MY IDENTITY BECAUSE IM USUALLY SAFE GUARDED BUT THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 'S. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I received information from LVNV Funding LLC in reference to an account they claim I owe {$690.00}. Ive never conducted business with this company and I sent several validation letters and fact act letter to the company who in turns sends me summaries of bills from a credit card company. I contacted the 3 credit bureaus that are reporting this illicit item on my credit file in an attempt to have it removed. The item is still on my credit file after I sent all three Bureaus the information I received from LVNVFunding LLC., and the item is continuing reporting on my credit report. According to the FCRA rules a debt collection agency must provide a signed contract bearing my name indicating I have conducted business with this company. LVNV Funding LLC refused to comply with the law by reporting this item on my credit file damaging my credit. 
I have not heard from this company after my last letter demanding them to produce a sign contract or contact the 3 Bureaus, XXXX, XXXX, and XXXX to remove the items until they have legally verified this debt belongs to me. 
I am request CFPB to conduct a full investigation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
I have tried numerous times for this company to provide original information on this debt that keeps being reported on my credit report as current. I have sent letters to both the credit bureaus and the debtors with the response only indicating that this message " Account information disputed by the consumer, meets FCRA requirements ' If I owe this debt and if it is legitimate I will make my self responsible as long as I see original proof of dates, and, amounts. They have yet failed to respond or fulfilled my request and account keeps impacting my score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020 I sent the amount of {$170.00} to XXXX in exchange for a program system. He refunded me once but the second one he did not. I gave him a total of {$350.00} dollars. I only got {$170.00} back. I would like the other half back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CULLEN/FROST BANKERS, INC.
State: NV

Complaint narrative:
I was charged for a hotel room that was cancelled in the proper protocol procedure. XX/XX/2020. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One deactivated my card when I had it in my possession in the house and now refuse to issue me a new one. They do not even have my address at XXXX  XXXX XXXX, XXXX XXXX, Fl. XXXX and everyday I call them and they say the card will come tomorrow but it has been two weeks and no card sent to me as a replacement. 

The card I had does not match the ones they say I have which they claim is XXXX and XXXX but my card was XXXX XXXX XXXX XXXX snd give no reason for deactivation. I made my payment this month but it was foolish because they credited the wrong person. 

They need voice print like XXXX XXXX  has as they are in constant confusion of who I was when I called them up reading me wrong card numbers. 

it is an identity problem that they ever issued the card. It should be marked paid for that reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
This is the third time I have had escrow issue with Freedom Mortgage ( please see previous two complaints ). Last year, after Freedom Mortgage made numerous mistakes that nearly led to my property not having flood insurance, Freedom agreed to eliminate my escrow account and allow me to pay insurance and taxes on my own. This year, I paid all of those bills on time ( as I always do ) and then Freedom double paid my flood insurance. When I called Freedom about this issue they stated  that it was because I did not pay the flood insurance on time. This is 100 % false. The due date for this insurance was XXXX20 and I issued payment on XXXX20 and that payment was  received by XXXX XXXX XXXX XXXX of Florida on XXXX20, nearly a month prior to the due date. 

I want Freedom Mortgage to current their error by seeking reimbursement for double payment from XXXX XXXX XXXX of Florida and to reimburse me for all interest lost as a result of this error. Interest was lost because they took funds from monies that were to be applied to mortgage principal. 

Thank you.

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