vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Product ordered XX/XX/XXXX - received incorrect product XX/XX/XXXX. 

Paid XXXX - item received valued ( by same site that valued original item ) at XXXX ( attached image of received item ). 

Disputed but denied based on the attached evidence ( doc1 ). Half of the pages are blank or entirely black. Seller also never provided valid shipping information. Same seller now has the SAME item listed as for sale. Seller also sent message boasting ( and admitting ) about successfully scamming me ( also attached, inappropriate language by seller ).

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 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
To get around the provision of the CARD Act of 2009 that allocates payments to higher interest charges, Citibank is charging the same interest fee for cash advances and new purchases. 

This allows them to avoid allocating my payment to the cash advance, and instead they allocate to new charges that are not yet due. This results in an outstanding cash advance, which they then charge interest on monthly until my account balance - of all charges from past months and the current month not yet due - are paid in full. I think this is in violation of the spirit of the act, but ok, maybe that's just how banks and credit card companies get around the law to make money. 

But it should be illegal because they are charging me interest after I paid the balance due in full each month. ( This is because they allocated the cash advance amount to new charges that have been made since the account closed the prior month. ) I have loved my Citibank card and its effective customer service and fraud protection but not anymore.

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 monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
After XXXX XXXX from the XXXX in XXXX, I was unemployed and attending XXXX University. Once I got a job, I was unable to make payments to several debts to include XXXX  XXXX. Since then, I have obtained a very good job, payed off several debts, am completely caught up on XXXX  XXXX, and am trying to take care of this debt in particular. The debt in question is a XXXX XXXX XXXX credit card debt from XXXX XXXX XXXX XXXX XXXX XXXX that was purchased by Transworld Systems Inc. with an original debt of {$1800.00}, collection costs in the amount of {$360.00} and interest in the amount of {$89.00}. On XX/XX/XXXX, I made a " good faith '' payment of {$750.00} in order for me to make a settlement offer ( as " policy '' from Transworld Systems ). After the settlement offer was made ( settlement in the amount of {$1900.00} ) I  declined to pay because I had already made a {$750.00} which didn't seem to reflect in the total amount owed. 
Throughout their entire attempt to collect this debt, not once have they given me the information I need to make payments online in order for me to lower the debt. Every time I have asked for my " Registration number '' to setup my account online they decline to give it to me saying my account is in a garnishment status, yet they have never garnished my wages in 4 years. 
XX/XX/XXXX I called to setup payments arrangements and to notify them that I will be paying the full amount either at the end of the month or next month and to setup payment arrangements in the mean time. They told me my debt has risen to {$2300.00}. This is about {$400.00} more than what they have been submitting to all 3 of my credit bureaus, and where is the {$750.00} that I paid in XXXX? So I offered payment arrangements in the amount of {$100.00} a month, the representative said it would be better to make a {$200.00} payment. I settled for the middle and offered to pay them {$150.00} a month to start paying down the debt. The representative told me that they needed a monthly financial statement in order to start a payment arrangement " so low. '' Are you kidding me? I hung up and later called for an itemized statement of my account for the last 12 months. I want to know where they included my {$750.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I have sold a plasma cutting welding machine on XXXX. The transaction payment did not show up in my Paypal account. After spending a lengthy amount of time on the phone with the Paypal representative, they were able to show the money posted to my PayPal account although it was/is held by Paypal. Paypal would not even release the shipping portion of the funds to ship the item. I had to use personal funds to ship the item. The representative informed me that the funds would be released to me once the item was received by the purchaser. The item has been shipped as described to the delivery address provided by the purchaser and satisfactorily delivered. 

In the interim the PayPal automated system asked for a copy of my driver 's license, shipping documents and original purchase receipts which I have provided. Upon logging onto my account today I have discovered that PayPal has my account locked stating that " You can't use PayPal Anymore '' and that any money in my balance will be held for 180 days. I called again and waited for a pay-pal representative ( XXXX, employee number XXXX ) who informed my that PayPal could not provide me with information as to the account closure would not provide me with any phone number or email of any responsible party who could. I was informed that my only recourse is to submit a written request to their corporate office via post to XXXX XXXX, CA XXXX. 

XXXX has since charged me for XXXX dollars ( 10 % of the {$4000.00} sale item ), PayPal has charged me for their fees and I have had to pay shipping since paypal is also holding the paid shipping charges. 

I understand the need for a new PayPal account user to wait for the item to be delivered in order to receive their money since a new account needs to be substantiated to help circumvent fraud. However, my account has been in good standing for over 15 years. The fact that Pay-Pal is withholding my money, refuses to give reasonable avenues to rectify the situation all while making interest on the float for countless transactions is criminal. These are racketeering practices by definition. PayPal needs to be held to Security and Exchange commission standards and provide adequate customer support if they are to be engaged in their business. Furthermore PayPal 's affiliates ( XXXX  ) should not be able to withdraw sale item funds from a seller 's personal account until payment for the item has been justly placed in the seller 's account. 

I look forward to your help in handling this matter but more importantly resolving the larger issue at hand and protecting innocent consumers from Pay Pals unjust actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I recently refinanced a mortgage through a loan broker and the mortgage account was purchased by PennyMac mortgage. Loan # XXXX originated on XX/XX/2019. Since that time I have had issue after issue ( I am a 15 year XXXX  XXXX  ) navigating their payment and autopay process. 

There was no correspondence sent out prior to the 1st mortgage payment being due, nor how to pay, nothing. I was surprised by an unpleasant voice message from their debt collection group. I immediately call PennyMac and after a 45 minute wait I facilitate payment over the phone and was charged a {$15.00} convenience fee. 

At that time I requested to be set up on automatic payment and was told by the PennyMac representative that it would be implemented. 

Fast forward to today and I receive another call from PennyMac 's collections group asking me to verify my address and other personal info. When I refuse ( this is an incoming call asking me for my personal info ) they request I call XXXX to speak to one of their collection agents. When I dial the number provided I am told there are 87 calls in que ahead of me and to expect a 50 minute wait. I log in online to make a payment and check on the autopay set up. I am not allowed to " set up '' auto pay because my account is " delinquent ''. 

So, I am now on hold for over 45 minutes awaiting the opportunity to make a payment to a company that has apparently reported me delinquent to the credit bureaus because they failed to set up the autopay as promised. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All three credit bureaus continue to deny me an investigation into the fraudulent erroneous information contained on my credit reports. they are in violation of the FCRA.

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 2019-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft.

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 2019-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frost-Arnett Company
State: VA

Complaint narrative:
I'm XXXX XXXX military and one of my dependents was seen at XXXX XXXX XXXX on XX/XX/19. I never received a bill from XXXX XXXX XXXX. My wife has already tried resolving this issue through XXXX and XXXX XXXX XXXX. She was told through XXXX that the clinic was out of network and the coding was incorrect. The clinic tried changing the coding which XXXX wouldn't accept. I now of a debt collection notice from Frost-Arnett for the total of {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: GA

Complaint narrative:
A collection agency by the name of XXXX XXXX XXXX, inaccurately reported an account on my credit report. I have had no such business dealings with this company and am therefore asking Equifax and XXXX  to remove this inaccurate account information immediately due to identity theft. This has caused a hardship on my report and needs immediate investigative action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: CA

Complaint narrative:
I am a victim of identity theft.

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 2019-12-03 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: CA

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: GA

Complaint narrative:
All three credit bureaus continue to deny me an investigation into the fraudulent erroneous information contained on my credit reports. they are in violation of the FCRA.

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 2019-12-03 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: GA

Complaint narrative:
All three credit bureaus continue to deny me an investigation into the fraudulent erroneous information contained on my credit reports. they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/2019, coinbase alleges that they declined a purchase order, actually numerous orders somewhere in the ballpark of XXXX usd. I checked and my bank has no recollection or documents proving this to be true. Coinbase sent out an email stating i owe them this money which i didnt authorize in the first place. Now i just sold some cryptocurrency from elsewhere and deposited in coinbase and come to find out they locked my account so i cant withdraw or send anywhere, holding my XXXX in bitcoin hostage. When i called and emailed them,  they said i must pay what i owr, i was shocked. Im not a rich man i worked for this money and expect them to honor that after all the fees and money they made off my customer loyalty. Please help me fix this my family and i would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: GA

Complaint narrative:
A collection agency by the name of XXXX XXXX XXXX, inaccurately reported an account on my credit report. I have had no such business dealings with this company and am therefore asking XXXX  and Experian to remove this inaccurate account information immediately due to identity theft. This has caused a hardship on my report and needs immediate investigative action.

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 2019-12-03 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: CA

Complaint narrative:
I have repeatedly asked TransUnion to verify these two accounts ( XXXX XXXX XXXX : XXXX & XXXX XXXX  XXXX  : XXXX ) After reaching out to them more than two times, they still failed to verify them. At this point TransUnion is reporting false information and accounts that does not belong to me. They would realize this if they just investigate correctly and stop stalling. I have become very frustrated with TransUnion continually not following the laws set by the FCRA. At this point if these accounts are not removed from my credit report, I will have no choice but to get the courts involved because this is starting to affect me getting credit.

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 2019-12-04 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: U.S. BANCORP
State: GA

Complaint narrative:
I have contacted the credit company advising of the information reporting on my credit report this issue has been going on since 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 2019-12-04 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: BB&T CORPORATION
State: GA

Complaint narrative:
I have contacted the credit company advising of the information reporting on my credit report this issue has been going on since 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 2019-12-04 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: FC HoldCo LLC
State: GA

Complaint narrative:
I have contacted the credit company advising of the information reporting on my credit report this issue has been going on since 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 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been with Wells Fargo for over 11 years. During this past year I encountered a lot of difficulties. At times Wells Fargo held on a check causing me to have my rent check bounce and then costing me additional money to pay my landlord. Recently while I was on unemployment, Wells Fargo adjusted the charges on my account and it led to me having more overdrafts, totaling over {$1000.00} in under 1.5 months and over {$2000.00} for the year. Other times I put in money and was told I put the money in too late and was assessed overdraft fees despite my account being in the positive before the system worked. I recently asked to get some of the overdrafts waived but within an hour half the overdrafts reappeared making it harder for me to catch up. Afterwards, I was told to go to a branch and ask a branch manager for more help. Due to the situation, I am unable to pay rent for the next month and am at the risk of being evicted from my apartment.

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 2019-12-04 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I have contacted the credit company advising of the information reporting on my credit report this issue has been going on since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Never received written verification of debt called repeatedly ring twice hung up violated fair debt act they will not work with you all they want to do is garnish your wages there above the law judge don't care they violated the fair debt act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management calls me numerous times per day asking for someone named XXXX. I have explained multiple times that I am not XXXX and do not know anyone by that name who is close to me. I have had the same phone number for over 5 years. I asked them to remove me from their list, as I have no debts in collection. I tried to call them tonight after seeing they called me twice today. I spoke to a representative and as I tried to explain, the representative hung up on me. I am tired of being harassed over someone else 's debts!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
experian, XXXX, and XXXX  continue to report fraudulent and erroneous information. this is in violation of the FCRA.

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