vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
paypal is holding my money {$220.00} and will not let me send the funds to my bank. All the items I have sold have been to delivered to customers, XXXX is holding my money. I want my money to be released so I can withdraw it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
I live I California and I was called at XXXX 5x back to back as well he threaten to sue me and kept harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Per new credit law on XXXX XXXX, 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy  is still reporting on Transunion inaccurately.

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 2017-08-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Per new credit law on XXXX XXXX, 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy is still reporting on XXXX inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: IL

Complaint narrative:
Per new credit law on XXXX XXXX 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy is still reporting on XXXX inaccurately.

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 2017-08-31 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Below is a response from CITICARDS. 

We are sending an additional letter to the customer to reinforce that the payment history is correct and will not be changed. We explained that the payment dated XXXX/XXXX/XXXX was returned unpaid, resulting in the account being reported 30 days delinquent. A replacement payment was received on XXXX/XXXX/XXXX, but no payment was received for the due date of XXXX/XXXX/XXXX. This resulted in additional 30 day reporting from XXXX through XXXX XXXX. A one-time adjustment was made to the Minimum Payment Due on XXXX/XXXX/XXXX, bringing the account current. We provided a copy of the response sent on XXXX/XXXX/XXXX, as well as a copy of the billing statements from XXXX XXXX to current. 

MY RESPONSE. 

If my XXXX/XXXX/XXXX payment was retuned and I replaced the payment on XXXX/XXXX/XXXX, how was I 30 days late????? Sounds deceitful to me. Citicards claimed that I failed to make my XXXX payment, which is another lie. I made an ONLINE payment of web ID XXXX. Where did this payment go??

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 2017-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I paid debt off XXXX/XXXX/XXXX after paying in installments to creditors attorney. I contacted creditor and they said I still owed them. I contacted the court and XXXX and they advised to send certified mail stating that debt was paid and I can/will furnish cashed checks to verify it. Court set up hearing, and creditor did not appear but sent a satisfaction of judgement dated XXXX/XXXX/XXXX signed by their attorney 's office. Credit bureaus are still showing that I owe a balance on the account and that they " verified the balance '' with the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I received a letter from XXXX XXXX , XXXX today, X/XX/17 that stated that I owe XXXX money. I called XXXX and confirmed that I do not owe anything- I called both XXXX XXXX as well as XXXX XXXX . I then called XXXX XXXX and explained the situation and was told that I am disputing the charge. I am filing a complaint here because they have also been calling me incessantly over the past few weeks from various numbers in XXXX XXXX, NJ, including : XXXX, XXXX, XXXX. I just hang up usually but when I called back once to see who it was, it turned out to be Convergent.

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 2017-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: CO

Complaint narrative:
My problem is with Selene Finance as they continue to try and conduct an illegal foreclosure to cover up the errors made by their own agents and those at XXXX XXXX ( previous servicer ). I can document this information and am currently dealing with the legal department at XXXX XXXX in an attempt to straighten this problem out. I filed a previous CFPB complaint and Selene Finance replied to me and the CFPB with a litany of falsehoods. Selene Finance seems to think that they can lie to a government agency and that you will sweep this under the rug, but I would urge your office to look deeper. In the response to my complaint XXXX, XXXX XXXX states that my permanent modification was denied because I did not provide a quit claim deed to XXXX XXXX. This is false, the documentation was provided in the submission and XXXX acknowledged receiving it. I am formally requesting that Selene Finance produce the package and information that was used to assess and grant the trial modification and all correspondence after that point. The agents at XXXX explained that since I had provided the Quit Claim deed and the Divorce Decree that my ex-wife would not need to sign any modification documents. This is another example of Selene Finance trying to cover their tracks and peddling falsehoods to me as well as a government agency. The fact of the matter is I made all of the trial modification payments, I jumped through every hoop and provided everything that was requested but XXXX lied to me through their blatant misrepresentations. Now that Selene is servicing the loan they own not just the asset but also the liability that comes with this instrument. Their continued advancement of these lies only increase the liability for Selene and should be cause for an investigation by your agency.
The response letter from Selene confirms my initial allegation, that I had not received a deferment in the past, even though that was the reason that was repeatedly used to deny my modification request. However, even though this mistake was supposedly fixed, on XX/XX/2017 I received a phone call from XXXX XXXX who said that since I had a deferment in the past the investor would not allow me to be considered for a loan modification. This is a direct contradiction of the information that was sent to me and also the CFPB. 

Finally, Selene states that I cant be considered for a new loan modification, because they state that my income is not sufficient, and that when I submitted new financial information that the income was the same. This is yet another lie perpetrated by Selene Finance. My financial circumstances have changed and the most recent financial information that was submitted to Selene showed a substantial increase in income. Every time they respond they dig a deeper hole with the lies and misrepresentations. I want to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
I have asked for debt validation in the form of a signed contract on numerous occasions. They have failed to provide such contract, and prove that I owe them a debt, in the amount of {$1300.00}. I have notified them that all income that I receive is exempt from creditors and that they must cease to make attempts to collect an unvalidated debt. 

According to Sec. 207. [ 42 U.S.C. 407 ] ( a ) The right of any person to any future payment under this title shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. 

With this company continuing to pursue this debt, it has created a added stress on my survival on a fixed income, and my ability to provide for myself. All of my income is protected and there is no benefit to continue harassment and reporting of this unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
REGARDING : TRANSUNION Free Annual Credit Report : XXXX DANGEROUS URL Malware Alerts Date : XX/XX/17 Duration : @ XXXX XXXX - XXXX XXXX Went to the TransUnion website to order a free Annual Credit report Attempted to complete request form for free Annual Credit Report - did not remember my User Name & Password Got locked and instructed to call TU. 
The representative asked me questions to confirm my identity. 
Do n't recall if conversation was being recorded for QA I asked if it was better to get each report individually or 3-1? 
*Agent : tried to sell me on TU being the best & most accurate & for a small charge could get the FICO score after telling me FICO score really is n't important to me because creditors use different scoring to make determination. 
*Told me my User Name Said he would send a temporary Password via email. He cautioned PW must be typed in not cut & pasted. 
Ended the call after approximately 10-15 minutes Temporary Email arrived at XXXX XXXX  with a link *** ( 508 ) Compliance Code does not indicate if what is displayed is a lower case letter or number. 
Attempted the Voice Activated Code. This attempt locked me up. 
Used the link provided. 
After nine ( 9-10 ) Web Anti-Virus Malware Alerts from XXXX ( Dangerous URL Blocked ) *XXXX ( SCREENSHOTS - See Attached File ) I was able to reach the credit report. 
Saved credit report & logged out of site Re : Malware Alerts - this is the first time I 've ever received Malware Alerts from XXXX At XXXX XXXX investigated the Malware - ( See Attached File ) CONCERN : Why are these alerts coming unless TransUnion is compromised? And I might be compromised as well? or it 's a scam to buy additional products to secure credit reports? 
***I will not go back to TransUnion - will request in writing.

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 2017-08-31 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: NY

Complaint narrative:
account was paid in good standing XXXX XXXX  XXXX Account Number XXXX Account Type Credit Card Terms M XXXX Date Opened XX/XX/XXXX Account Status - Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance {$13000.00} Monthly Payment {$320.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CHARGED OFF ACCOUNT Payment History

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 2017-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
XXXX XXXX, XXXX i set up my new debit card as far as activating and setting the pin. I set up and activated card successfully. Went to make purchase using credit it declined, used it through debit it declined. I called to set up a new pin hoping that would help, it did not. I called to speak with customer service numerous of times regarding card use and the issues regarding a pin purchase and credit purchase. They offered to reset my pin and sent me through an automated system to reset pin since they could not do it. Once transferred to automated system it was not responding to touch tones prompted. Spoke with several reps and a supervisor and they were no assistance just followed same steps as far rep but stating that the pin reset could only be done once every 24 hours. SO here I am stranded with a card with money but no use until tomorrow XXXX XXXX, XXXX after XXXX central time.

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 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
account was paid in good standing XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms M XXXXM Date Opened XXXX/XXXX/XXXX Account Status - Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance {$13000.00} Monthly Payment {$320.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CHARGED OFF ACCOUNT Payment History

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 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
account was paid in good standing XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms M XXXX Date Opened XXXX/XXXX/XXXX Account Status - Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance {$13000.00} Monthly Payment {$320.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CHARGED OFF ACCOUNT Payment History

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Have been trying to get invalid reporting public record removed for over 6 months now ; was made aware of new public record law in which all three credit reporting agencies would be required to automatically remove all public records that were reporting and that has not happen for me. This was scheduled to take place on XXXX XXXX, 2017. State Tax Lien is still reporting incorrectly on today.

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 2017-08-31 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: TX

Complaint narrative:
I had a car loan with XXXX XXXX XXXX that was taken out in 2008. I first was late and it was reported in XXXX 2008. Someone, either the reporting agency or the lender changed the status of all latenesses as ND or No Data. This seems unfair. I am trying to remove this item from my report because the date of the first reported lateness was in 2008. It has been more than 7 years. This at least should be removed from the negative area of my accounts on credit report. This includes all three reporting agencies. But because they have all changed the status to No Data, instead of Late I am unable to properly dispute. This seems both unfair and manipulative.

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 2017-08-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Have been trying to get invalid reporting public record removed for over 6 months now ; was made aware of new public record law in which all three credit reporting agencies would be required to automatically remove all public records that were reporting and that has not happen for me. This was scheduled to take place on XXXX XXXX, 2017. XXXX XXXX XXXX is still reporting incorrectly on today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: IL

Complaint narrative:
Have been trying to get invalid reporting public record removed for over 6 months now ; was made aware of new public record law in which all three credit reporting agencies would be required to automatically remove all public records that were reporting and that has not happen for me. This was scheduled to take place on XXXX XXXX, 2017. XXXX XXXX XXXX is still reporting incorrectly on today.

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 2017-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Red Cedar Services, Inc
State: WA

Complaint narrative:
I recieved an email that i was late on a payment. I didnt have sufficient funds in my account so no money was withdrawn. This was XX/XX/XXXX. My agreement was to have my account debited XX/XX/XXXX. Further investigation into company I found they are not licensed in the state of Washington. I have sent a total of 4 emails requesting a revocation of my authorization to withdraw funds and have requested an email stating  they intend to honor my request. I forwarded them a copy of the rcw regarding washington state laws regarding non licensed lenders. I have not recieved an email back stating their intent to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
To : Ocwen Loan Servicing, LLC / Complaint DepXXXX. 
Hello : Am behind on my mortgage and I was try make a payment but your staff said that since I was 89 days behind they could not take a payment, so I ask them where in the paper I sign did it say that, none of them could answer my question. Your Company Fill there mouth that are here to help, but thats not true. Instead you would rather see me go into foreclosure then trying to help me. I waiting for my XXXX hearing inXX/XX/XXXX, so am hanging in there trying to make my payments and all I get from Ocwen is we cant help you because we have a policy that after 89 days we cant take payments. But none of the people I talk to from your company couldnt show me were dose it say that on my papers that I sign. I feel that you are not acting in my best interest and really want to take my home away from me after 33yrs living there. It is really sad how your staff and your policy are forcing more people in foreclosure. But the good news is that am going to fight you all the way and get some legal help to see if I can sue Ocwen for there way they are acting about not take my payment after 89 days which is not in my contact of the papers I sign. I hope we can get this problem settle and avoid legal action against Ocwen for not disclosing information of there 89 days of not taking payments and then send your loan for Foreclosure. Here are the employee I spoke with Bage ID # XXXX, # XXXX and a person name XXXX that works with my Relationship Manager. I really Hope that we can take care of this problem and really see you trying to help me in times of trouble.

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