vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp.
State: NH

Complaint narrative:
My vehicle was repossessed on XX/XX/19 by XXXX, XXXX on behalf of XXXX XXXX XXXX. I was advised by the finance company AND the dealer of which my vehicle was purchased at, to withhold my payment due to the dangerous conditions of the vehicle they sold me. XXXX XXXX XXXX has refused to provide me with any information about XXXX, XXXX to get my personal property ( they already confirmed with me the recovery company received the personal property release form. ) XXXX, XXXX does not answer any phone calls and does not have an address or business hours online as to where my vehicle is so I can obtain my property. They are not willing to work with me to obtain my vehicle and are withholding my personal property which according to NH state law ( see link attached ) XXXX XXXX XXXX they can not take my vehicle if asked to leave it alone otherwise it is breach of peace. The recovery driver PULLED ME FROM MY VEHICLE WHILE IT WAS RUNNING. It also states I am allowed to remove my personal property which the driver did not allow me to do. After numerous attempts to work with XXXX XXXX XXXX, they told me I can not get my vehicle back and I should " learn how to pay my bills. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went to XXXX to request my credit reports. Entered all the correct information ( checked it twice ). Its really not difficult. However, the website replied that they are unable to give me the report online. Is this a scam? I need the report urgently. I am not going to mail them my information so it can get lost or stolen. Why is this allowed to occur? I thought we were trying to help fraud and identity theft yet we can not help ourselves. Really a bad process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went to XXXX to request my credit reports. Entered all the correct information ( checked it twice ). Its really not difficult. However, the website replied that they are unable to give me the report online. Is this a scam? I need the report urgently. I am not going to mail them my information so it can get lost or stolen. Why is this allowed to occur? I thought we were trying to help fraud and identity theft yet we can not help ourselves. Really a bad process.

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 2019-01-29 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to XXXX to request my credit reports. Entered all the correct information ( checked it twice ). Its really not difficult. However, the website replied that they are unable to give me the report online. Is this a scam? I need the report urgently. I am not going to mail them my information so it can get lost or stolen. Why is this allowed to occur? I thought we were trying to help fraud and identity theft yet we can not help ourselves. Really a bad process.

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 2019-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
PenFed ( Pentagon Federal ) Credit Union keeps transferring money back from my checking account to my savings account so that every single time I do a bill pay, the check that is supposed to go to the payee ends up BOUNCING!

They are not ONLY defrauding me, but had been engaging in systematically harassing me through these fraudulent transactions where they bounce checks that I issue from my checking account through bill pay ON PURPOSE.

Before I do any bill pay, I MAKE SURE that I have enough money from my checking account to cover the amount of check I am writing.

As soon as I have issued a bill pay check from my check account, PenFed EITHER closes my checking account OR transfers the money back from my checking account to my savings account WITHOUT MY CONSENT AND KNOWLEDGE!

This has happened TWICE already, and they are doing this to force me to close my accounts with them, not to mention contributing to my unnecessary stress and greatly affecting my state of mind.

Thus, PenFed is committing fraud on my behalf by intentionally and knowingly making it look like I am bouncing checks when I AM NOT, not to mention cruelly and consistently harassing me.

They are also prolonging transactions on purpose so that they can control how long I keep my accounts open instead of me doing that!

There was also a time that one of the member representatives told us ( family member and I ) over the phone that we would have to go back to Texas to deal with this account in a satisfactory manner.

No travel to where the account was opened, no satisfactory resolution was what this PenFed employee indicated.

That sounds like EXTORTION using interstate communication to me!

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 2019-01-29 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by Chase credit card company. I called the Chase credit card company and chase did not comply with my actions.

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

The inquiries on my credit experian report : XX/XX/2018, XX/XX/2018, XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AR

Complaint narrative:
In XX/XX/XXXX Diversified Consultants began illegally reporting an amount of {$59.00} on my XXXX, XXXX  and XXXX  which has severely impacted my credit. On XX/XX/XXXX I wrote Diversified Consultants and requested under FDCPA, 15 USC 1692g Sec.809 { b } for validation of the following information : 1. What was the amount owed for 2. Explain and show how they calculated the amount 3. Provide copies of documents that show I agreed to pay said amount 4. Provide verification or copy judgement if applicable 5. Identify creditor 6. Prove statute of limitations is not expired 7. proof of license to collect in the state of Arkansas 8. Provide license numbers and registered agent or agent of services. 
Diversified Consultants to this day has not provided any of the above requested information within the 30 days requested or required. 

I am writing this today on XX/XX/XXXX to bring attention to the unscrupulous collection protocol of Diversified Consultants. And to demand that the collection account # XXXX be permanently removed from my credit reports! 
Diversified Consultants has been given ample to time to comply. 
In the letter dated XX/XX/XXXX Diversified Consultants was instructed that all contact moving forward be in writing and to not call my place of business or home. Diversified Consultant violated that request on XX/XX/XXXX at XXXX XXXX  by calling me and requesting that I verify the last four digits of social security number and address. I politely stated that all contact has been requested to be in writing and I ended the call. 
I am demanding a cease and deceits of collections and reporting to any and all credit bureaus and that all collections by Diversified Consultants be removed from my credit files and reports immediately! 
Please see attached 6 documents of proof of all information communicated. 

Thank you, Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: RI

Complaint narrative:
On XX/XX/XXXX I ran my credit score and found a outstanding bill, that had been sent to Pheonix Financial for collection. On XX/XX/XXXX I emailed Pheonix Financial requesting debt validation. On XX/XX/XXXX I called Pheonix Financial. They informed me about a hospital bill from XX/XX/XXXX, for my child, that was in a different state from where we live. I mentioned to Ms. XXXX from Pheonix Financial that I had not recieved any calls or bills from anyone regarding that matter. She told me I can call my insurance company and ask them to pick up the claim. I called my insurance company for more information, they informed me the bill was paid and gave me a electronic check number. I called Ms. XXXX to tell her the good news, and she proceeded to tell me how my insurance covered the hospital portion of the bill but not the physician portion of the bill, so my remaining balance was over {$800.00}. I asked what my options were, who I could contact to resolve the matter, because my son was always covered by insurance, and I do not want to owe anyone money. Her solution ( which she made sure to let me know she was recording at this point ) was to pay a discounted price of over {$600.00}. She also then said my insurance would likely not pick up the claim because of the date of service being over a year old. I explained that I should not be expected to pay a bill I have never been addressed about, nor that is financially my responsibility when my child was covered by health insurance. We disconnected and I called my insurance company. He placed me on hold, and he contacted Phenoix Financial. He came to the resolution that the reason for the bill was because the hospital did not put my childs insurance information in correctly. My insurance says this will take 30-45 business days to be reprocessed, and I will be covered by them fully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo Bank closed my company 's corporate checking account without my company 's permission.

Wells Fargo claims they sent a refund check, but it was never received.

I have repeatedly contacted Wells Fargo about the issue, and they are aware and agree a refund check We ; ; s Fargo claims was issued in XX/XX/2018 was never cashed.

I have asked Wells Fargo to cancel the previous refund check they claimed to have sent and re-issue a new refund check.

Wells Fargo has not issued a refund. 

Account number XXXX Amount is {$300.00} Thank you, XXXX XXXX XXXX XXXX Compliance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX 1.account locked 2.funds on hold 3.refused to give a valid reason why I couldn't access my funds. 
4.asked to have my funds released and I would no longer do business with them 5.the account in mension XXXX 6.The amount XXXX I was recently informed by PayPal that my account would be limited in the amount of XXXX because I violated their user policy I reviewed the policy and i violated none of their user agreements.I contacted them to and asked what user policy I violated and I was told by them " we don't accept your business '' .I told them I don't have a business and then they proceeded to tell me something triggered there automatic system, and would have to wait 180 days to have my money released to me even though though all my transactions where by myself and to myself they refuse to release my funds and when I ask them about it they either answer with something irrelevant to the topic or they just try to obfuscate me with things that clearly have nothing to do with the questions I asked.They can give no definitive reason why they can't give me my money back or release it to. 


The practices being used by PayPal in this regard are shady and uncalled for no reason why it Should be a 180 day hold on funds that belong to me when they can give a definitive reason why they are withholding funds. 


I have no interest in doing any kind of business with them at all and I just want my funds released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have requested numerous times that an executive calls me. I was also told by an " executive coordinator '' would be in contact with me. No one has called me yet, in which this was over a month ago. Their employees provide customers with false information and provide POOR customer service. Both accounts have been paid on time for over 2 years, in which they fail to increase the credit limit on both accounts. Several of their reps have told me that there is an option to have my credit card accounts, " manually reviewed '' and others have said that this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Applied for income based renewal within the time frame giving them at least 2 weeks to process it before it returned to the whole amount. I have it in automatic payments and this last payment they took the entire amount of {$670.00}. This caused an overdraft of my account and they will not return the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: I.C. System, Inc.
State: TX

Complaint narrative:
I received an email in regards to collection debt which does not appear to be mine. First of all, I never lived at the following address listed on the account. I never had cable from XXXX. I noticed 2 errors found and I am contacting you in regards to that matter. By law I am contacting you through this portal and upon receiving this message please be advised that Ive filed a police report, contacted the FTC and filed a report. I have also filed a lawsuit at the civil county courthouse located in XXXX TX. I am giving you less than 3 days to remove this error from my credit file by the ending of the week. If not I will contact my lawyer immediately upon your response.

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 2019-01-29 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
The bank JP Morgan on the recording on the phone number on the back of the credit that was given to me from JP Morgan stated that I owed XXXX on my account on XX/XX/2018 I sent XXXX XX/XX/2018 XXXX XXXX XXXX  JPMORGAN CHASE PAYMENT $ XXXX- copied from my personel Bank XXXX . I have asked JP Morgan about the funds and they don't know anything about it, then I asked why do I have a credit- JP Morgan said they don't know why, so I have requested my XXXX  back and they have given me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
My mortgage was paid off XX/XX/XXXX. I had automatic payments set up through my credit union and forgot to cancel them after the loan was paid off. XX/XX/XXXX my credit union submitted my regular payment ( XXXX ) to DiTech. When I realized what had happen I contacted DiTech by phone explaining my mistake and please refund the payment. They told me it would be straighten out quickly. I had not received the refund by end of XX/XX/XXXX I contacted them in writing and received a letter saying the matter was being investigated. I replied there was nothing to investigate it was a simple overpayment and return my money. I received another letter saying I would receive their answer in XX/XX/XXXX ... As of now I have not received my refund, I don't see any good faith on their part of returning this money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates are not only trying to collect a debt larger than I believe I owe but debt may be past statue of limitations and they're doing it in a harassing and illegal manner. They call my home phone and cell phone multiple times a day from different spoofed numbers from different states. They are breaking the fair debt collection practices daily.. I would like them to work with me on the debt I actually owe - the original debt was for no more than 750.00 while they're trying to collected over 1,400.00 with " fees '' and doing it in a hostile and illegal way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
2 weeks ago I submitted a dispute through Equifax about XXXX XXXX XXXX XXXX. This company is reporting the same account, 3 seperate times on my credit reports! The 3 accounts reflect conflicting open dates, closed dates and amounts! As well as " last date of payment '' showing in XX/XX/XXXX. I've never owned a car ever for 5 years or have had the financial means to keep one that long. The car was voluntarily repossessed in XX/XX/XXXX, 2 months after getting the car the engine blew a Head! From XX/XX/XXXX to XX/XX/XXXX I drove a truck OTR and used relatives cars! In XX/XX/XXXX I got a car through XXXX XXXX, so it's easily understood I wouldn't be making 2 car payments! This creditor ( XXXX XXXX XXXX XXXX  ) has charged off the account years ago, and as my reports clearly show the convincing discrepancies, inconsistent reporting eras, and all factors that violate my rights, plus the length of reporting ... I can't see why Equifax keeps denying removal of these accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
I purchased the car on XX/XX/XXXX. I asked the dealer for a copy of all my loan papers he informed me that the papers are to go back to the loan company. At the dealer I took the option for gap insurance. I was in an accident on XX/XX/XXXX. I spoke with consumer portfolio services on XX/XX/XXXX @ XXXX XXXX. I asked about my gap insurance only to be informed that I didn't have gap insurance. I would like a clear copy of everything I signed at the dealer as well as a sheet with my signature stating I did take the gap insurance. I find it very funny and I had a complaint on this earlier with this bureau about CPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Sold home mortgaged by Mr. Cooper on XX/XX/18. 
Payoff amount of {$230000.00} was wired to Mr. Cooper on XX/XX/18 Mr. Cooper is now saying that they are short money because of insufficient funds in escrow because of a payment made for property taxes. 
Escrow funds were available and we should have funds refunded to us around {$800.00}.

My wife and I have spoken to 4 different people, including a manager and an escalation agent and have gotten no where with their investigations. They do not return calls or emails.

The house is no longer under our ownership and this issue is affecting our credit.

Company response to consumer: Closed with explanation