vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/XXXX someone deposited money in to my PayPal account, immediately the money was withdrawn to a prepaid debit card that had been added to my account without my knowledge. This happened multiple time over the course of 58 minutes from XXXX XXXX-XXXX XXXX. The person that made the deposits, XXXX XXXX, immediately filed a claim that the deposits were made without their knowledge. Those funds were put on hold. The withdrawals were in the amount of {$1600.00}. During this entire time I was out of the country and was not monitoring email so I did not see the emails from PayPal letting me know about the transactions. 
Here is the timeline of the transactions and emails from PayPal : XXXX XXXX   {$280.00} In XXXX XXXX  {$97.00} Out XXXX XXXX  {$97.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} out XXXX XXXX  {$95.00} out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX   {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX   {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  email from PayPal asking if there was unauthourized access to the account XXXX XXXX  email from PayPal stating password was changed XXXX XXXX {$95.00} Out XXXX XXXX  Email from PayPal stating access to account was restored XXXX XXXX  Email from PayPal stating password changed XXXX XXXX  Email from PayPal stating password changed XXXX XXXX  {$280.00} In XXXX XXXX  {$280.00} In XXXX XXXX  {$280.00} In XXXX XXXX  Email from PaylPal stating Pre-paid debit card removed from account I was alerted to this situation when I arrived at the XXXX airport and my text messages started coming through. I had multiple texts from my bank asking if I authorized {$1600.00} in a transfer from my debit card to PayPal. Fortunately, they did not send the money to PayPal. 
On Sunday, XX/XX/XXXX, when I saw the emails at XXXX XXXX, I called PayPal to let them know that deposits were put in my account that shouldn't be there and that withdrawals that I didn't authorize were also done. 

On XX/XX/XXXX, PayPal denied the claims. I had them reopen it on XX/XX/XXXX and on XX/XX/XXXX they again rejected the claims stating that the transactions were not unauthorized. They were able to tell me that the transactions were from IP addresses all over the country. I wasn't even in the country. If I would have logged in to PayPal it would have been an IP address from XXXX. 
I truly don't understand how they can not see fraud, as the deposits and withdrawals were done at the exact same time. 
I have since closed my debit card and my bank account. 
I really hope you can help. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The company Navient is all out of sorts with my loan. They ask me for payments each month that is larger than my monthly income. I have a high interest rate regardless if I enroll in my income based plan or rate reduction plan. Every time I call Navient there is no consistency with my account information and this has been going on since XX/XX/2015 after I graduated. It is extremely frustrating and it seems that they don't care and at this rate I will be paying this loan for the rest of my life. My principle amount does not decrease even though I pay on time every month almost 500 .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: MD

Complaint narrative:
I was trying to make apply for credit to make a large purchase and was denied due to a collection from Receivables Management reporting on my credit report. I was unaware of this debt until I applied for credit, was denied, which I then went to pull my credit report and saw a collection that I was unaware of. I never received any communication regarding this debt from Receivables Management nor the original company that owns the debt. I don't even know who the original company is that owns the debt. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. Prior to Receivables Management Corp. placing the negative item on my reports, they made no attempts to reach me regarding the alleged debt.

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 2020-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX XXXX Hospital ( XXXX XXXX Hospital ),  XXXX, CA. I was told when I went in for XXXX that my portion to pay out of pocket was {$2600.00}. I paid on XX/XX/XXXX - {$1000.00}. The remaining balance was {$1500.00}. I received so many different bills from XXXX  XXXX and I paid them either at once or I put them all on payment plans. The different bills had different account numbers. I have contacted them several times to verify who was owed and which account numbers went with who was owed. I have all of the payments I have made to XXXX XXXX up until XXXX. I was told I no longer owed any money. I received a phone call this afternoon from a collections company called Medi-Credit ( XXXX ) stating I owe XXXX XXXX {$1000.00}. I immediately contacted XXXX XXXXXXXX at XXXX, they transferred me XXXX XXXX XXXX who I did not need to speak with because I don't owe them any money. I had to call XXXX who stated XXXX forwarded my account for collections. I was referred back to XXXX main billing at XXXX. I asked to speak with a supervisor or who ever was in charge so that I could find out why I never received anything in writing or even a phone call if this money was owed from XXXX. The rep transferred me back to Medi-Credit. I  have been unsuccessful since XX/XX/XXXX of being able to get a bill for everyone who I owed ( XXXX Hospital, Doctors, XXXX, or XXXX  ). I just receive bills and I was just paying them because I did not want anything being submitted to collections. I just want and need clear answers to what they say I owe. I have every payment made to XXXX  and the various account numbers they have given me. Please can someone please help 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 2020-03-13 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: WA

Complaint narrative:
XX/XX/XXXX, I logged on to my Experian account to check if a new account was reported yet, when I noticed my citicard was reported as closes account, no reporting info, I had checked my Experian account at midnight and it was showing the account, so I called XXXX they said no account is good, so I called Experian and spent an hour on the phone spoke to 4 different individuals, I was told because my subscription was cancelled after my 30 day free on Experian that why this is happening they were rude, my score dropped 20 points from XXXX to XXXX because they show the account as closes no reporting of payment I ha e exceptional payment history never missed a payment ever I'm disgusted with Experian and think it's wrong of them to use my membership as a way to control my score I have it recorded,

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 2020-03-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- PERSONAL ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my 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 2020-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express called my husband on XXXX XXXX XX/XX/XXXX / XXXX XXXX. They called my brother in-law XXXX XX/XX/XXXX ) multiple times to discuss my past due amount. They told my brother in-law an my husband ( who is not on this account and we're separated ) that they are trying to find me in order to collect debt. They were not authorized to discuss this with anyone but me. They did not attempt to contact me before they called them. I do not have any emails / voicemails or missed calls from them. 
This happen multiple times. Even after I made my payment. I reached out to them multiple time and complained about them discussing this issue with strangers. On XX/XX/XXXX I spoke to 4 different people on the on-line chat about this. No resolution. I told them on-line, in writing, that I want to file a complain. A week later they called my husband again. hem multiple times and told them on their on-line chat not to contact anyone by me. They did not attempt to call my cell / home or email. They directly called the people listed above. This happen multiple times after I spoke to them and told them not to do it. On XX/XX/XXXX they called my husband again, without trying to contact me first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Please CFPB, forward the following documents to Portfolio Recovery. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
All of my credit cards with Chase were closed on XX/XX/2020. They mentioned that my revolving credit suddenly increased, but this was because I went on a XXXX vacation with my husband. 

They notified me that they were going to close all of my credit card accounts. I was taken aback immensely because I am an existing Chase Checking Account customer with a combined annual income of {$280000.00} with my husband, and we're XXXX years old working for major companies. As a young adult, I was surprised, as I have never had a late payment. We have many times more assets needed to pay any sort of credit card bill. I never conducted any sketchy business activities. In fact, I use credit extremely responsibly and I simply wanted the credit cards for the benefits they provided at hotels, airlines, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts nor did I authorize these credit inquiries to be pulled.

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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts nor did I authorize these credit inquiries to be pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: CT

Complaint narrative:
I have reached out to this company XXXX of XXXX no one ever contacted me. The amount never changed that was owed even though I paid on the loan from XX/XX/XXXX to XX/XX/XXXX. I even made extra payments. When I try to file a complaint to their website and upload documents it wont allow me submit all my bank statements for the amounts I paid for the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: PA

Complaint narrative:
The collection agency left 2 voicemails in one day. The first message was left at my employer on a recording and the second voicemail was left on my personal cell phone number. The first message was left XX/XX/20 between XXXX XXXX and XXXX XXXX. EST. The second voicemail was left on my personal cell phone at XXXX from a XXXX phone number. When I called in, the first representative hung up on me after I advised that I will be XXXX  the number to ensure that the company is a legitimate company. The second representative was a male that indicated that he would notate the account in regards to the conversation. A settlement was offered and after he advised about the settlement, I advised him that there were 2 violations in regards to the FDCPA and he insisted on getting me to a supervisor but was unable to do so. He advised me to hang up and call in and ask for extension XXXX because that is the extension for supervisors. I called back and asked for extension XXXX and the female that answered indicated that there is not an extension XXXX ; however, gave her name and said that she is a supervisor. I advised the situation in regards the violations and she was very defensive. All representatives indicated that the calls were recorded and that she will forward the information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
Requested a loan payoff for my loan and I was told it would be a 7 business day turn time and then it would be mailed? I need my payoff right away and why they can not provide my loan payoff via fax or email in the year 2020 is ridiculous, they are just holding my loan XXXX and this is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
COMPANY IN QUESTION IS HOME DEPOT COMMERCIAL CARD SERVICES OF XXXX XXXX XXXX XXXX XXXX MISSOURI XXXX ( RETURN MAIL ADDRESS ). 

OR DEPARTMENT XXXX XXXX XXXX XXXX XXXX, KENTUCKY XXXX ( REMITTANCE ADDRESS ). 

ISSUE IS RATHER SIMPLE. I TRULY ENJOY THIS ACCOUNT BECAUSE RETURNS ARE SO SIMPLE : PRESENT CARD AND ITEM ; THEY SCAN AND CREDIT ACCOUNT. 

PROBLEM IS WITH BOOKKEEPING. THIS PAST BILLING CYCLE OF XX/XX/2020 SAW A {$50.00} CREDIT ON THE ACCOUNT AND {$11.00} OF CHARGES. THE CREDIT WAS NOT APPLIED TO THE CHARGE SO A LATE FEE COULD BE ATTACHED OF {$20.00}. THIS WAS REVERSED AFTER A CALL TO THE BILLING CENTER -- AS LONG AS IT ONLY " HAPPENS '' TWICE A YEAR. 

THIS HAS BEEN A RATHER ROUTINE ISSUE OVER TIME ; THE JUSTIFICATION IS I/WE DID NOT " TELL '' HOME DEPOT WHAT TO DO WITH THE CREDIT. TO ME THIS APPEARS TO BE A SLY WAY TO ASSESS FEES TO BOOST CASH FLOW. FORTUNATELY WE ARE A TWO PERSON ( MARRIED ) OPERATION. IN A LARGER COMPANY WITH SEPARATE BILL PAY DEPARTMENTS, THESE SNEAKY FEES WOULD SLIDE THROUGH AND GET PAID BY INNOCENT ACCIDENT. 
PERHAPS THIS ACTIVITY IS NOT ILLEGAL BUT IT IS UNETHICAL.

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 2020-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In review of my most recent credit report, I noticed that Capital One was reporting {$7.00} late in XXXX of 2019. I normally make {$100.00} payments each month, and on XX/XX/2019, I made a payment of {$250.00}, which I will attach. The {$7.00} was clearly to pay the entire balance and is what is shown on the Capital One website. This is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Hi my name is XXXX XXXX. 
I have a big trouble with Grant Mercantile Agency , Inc. 
First time that I talk to them been around a month ago that I been calling them not they to me! 
I told them my date of birth my address and full name that they can follow up who Im! 
And before it I saw them like a collection in my credit reports. 
I been never asked to pay it and never received letter from that company!! And a sunny day I saw that company name in my credit reports! 
That day that I called them I told them that I do not owe nothing at all XXXX XXXX ( in my life Ive been 1 time in that Hospital and paid my balance off on XX/XX/2019! ) and beside that never been in that hospital!! 
I told the Gran Mercantile Agency to remove from everywhere and do not bother me and sending me any letters ( now they know my address then I told them )!! But they start to sending me some letters!! 
And do not remove they fraudulent collection from my credit reports!! 
Please help me that they get away from me!! 
I dont no how else can I explain them that I dont owe no one any cent in the whole world beside my credit cards that Im paying all in time without no one minute late in my whole life! 
They do not do anything!! 
They are like savages and do whatever they imagine!! 
Please need this help very much! 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened a new Amex Aspire credit card via a friends referral. He recommended the card which comes with an attractive welcome bonus : spending {$4000.00} in the first 3 months upon receiving the card, the customer can earn XXXX XXXX XXXX points. I traveled a lot and XXXX is one of my favorite hotels, and this welcome bonus of XXXX XXXX points is the main driver for me to choose this card among many other choices. 

At the beginning everything seems smooth. On XX/XX/XXXX I applied the card online with my friends referral code, and my application was approved promptly. There was no warning sign, non pop-up window to state I am not eligible for the welcome bonus in any way. Instead, the application web page displayed the welcome bonus during the steps of application, making me feel reassured. 

In the next two months I pooled my spending together to this new card, and meet the {$4000.00} spending line within XX/XX/XXXX. Eagerly waited for several weeks, I was disappointed to see the bonus points was not deposit into my account. And so I contacted Amex customer service by web page messaging on XX/XX/XXXX, to ask whether I am eligible for the welcome bonus and did I meet the spending threshold. I got positive answers for both questions. Please see snapshots # 1 and # 2, where the Amex agent answered Happy to check that your qualified spend is already met. And I was told I can wait for more time for the welcome bonus coming. 

However it just did not come after more waiting. I was planning for a spring travel and without the XXXX points expected to come, I need to pay out of my pocket, which is very disturbing to my financial plan. And so I checked again with Amex web page messages. Very surprisingly, this time another Amex agent told me I did NOT get approved for the welcome offer, and the previous chat on XX/XX/XXXX seems to be some miscommunication regarding the declined offer. ( snapshot # 3 ) This is blatant fraud, or false advertisement at least, not miscommunication. Consequently, I am here to ask the help from CFPB to arbitrate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts nor is this Chapter XXXX BK is mine. I have attached a letter. I am also a XXXX XXXX XXXXXXXX XXXX Veteran in which I am exempt from all student loans. I have attached a letter for that as well.

Company response to consumer: Closed with explanation