vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: FL

Complaint narrative:
I was checking my credit report on   XXXX   credit agencies   XXXX     XXXX  and  XXXX  when I was alerted that a collection agency named Fox collection center of   XXXX   XXXX   XXXX     XXXX   TN   XXXX   XXXX   placed on my credit file that I owed a balance of $  XXXX .I would like a bill presented to me for this balance I do not owe this money I would like to know how when and to whom I owed this money it had been reported to the credit agencies  XXXX  2017.I also would like this balance to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I paid this account off almost 3 years ago and it has not been removed off my credit report. I tried calling the customer service department this week  XXXX - XXXX  ( I can not recall which day ) to see if they could help me out by removing this off my credit report since it has already been paid off but they rudely said they could n't help me and that they would not remove it off my report. The customer service was very rude to me when I tried to talk to them and ask them if they could help me out by taking it off for me. I asked to speak to the manager but they also treated me very rudely and also said he could not help me out. I would like for this charge off to be removed because it would help increase my credit score and it would allow me to qualify for a home that I am trying to obtain for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Once again, Paypal is neither respecting their word nor fullfilling their promises. After my 2 previous complaints against Paypal,   XXXX   XXXX  , Operations Counsel of Paypal, agreed in reactivating my account based on the email  XXXX . However, I still receive contradictory and misleading email messages by the   XXXX    branch of Paypal as well as from   XXXX   XXXX  , both openly contradicting the promise of   XXXX   XXXX  .
As a response to my complaint   XXXX  , Paypal advised me to contact   XXXX   XXXX  , head of their Executive Escalations office.   XXXX   XXXX   sent me a message on   XXXX   XXXX   2017 via the Paypal messenger showing alarming contradictions and lack of knowledge of Paypal rules. As a reply, I explicitely showed   XXXX   XXXX   that what Paypal is still restricting me ( and using as basis for blocking my accounts ) is something Paypal is endorsing and supporting in their websites : the possibility of transfering funds among the accounts located in different countries by the same accountholder.
<P/>
In the original link provided :   XXXX   XXXX   XXXX   XXXX    officially endorses  XXXX , an international partnership allowing  XXXX  accountholders to transfer funds between their accounts. Moreover, Paypal provides a specific email address for usage in transferring money fron one country to another :  XXXX  Please READ this link where the PARTNERSHIP between Paypal and  XXXX  is announced :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  general as well as this Paypal link : https : //www.paypal.com/ar/webapps/mpp/withdraw-funds so all of this confirms, as I said it very enphatically, the invoked reason for keeping the lifting in my Paypal account is COMPLETELY GROUNDLESS, based on FALLACIES and MISSINFORMATION. There is also NEGLIGENCE and bad faith in Paypal attitudes through   XXXX   XXXX    and   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted transunion multiple times about inquiries that are on my report that are fraudulent and I even sent in police report from my purse being stolen and an ftc report and still they will not remove them and all other credit bureaus has remove the inquiries from their database

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 2017-07-16 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: WI

Complaint narrative:
The last few years I have had my loans auto debit for interest only payments. The reason for this is because they for some reason could not offer a repayment option that could be affordable for me. So they said they could only offer after my deferment and forbearance options were used up was interest only payments for  XXXX  dollars per month. This was just so I could avoid the account going into default which I felt I was being threatend with. Well the thing about the interest only payments on auto debit is when they choose to end the the interest only payment on auto debit they change it to a full payment without informing me that it was changing or asking permission to do so. As far I 'm concerned it is a form of fraud. Just because they have my account number does not allow them to do as they please with it. This happened to me most recently today  XXXX / XXXX /2017. I had a car insurance payment I was expecting to have the money for now there is nothing in my account to cover it because they took   XXXX   dollars out instead of my expected   XXXX    dollars. My car insurance needs   XXXX   dollars or I will be cancelled on me. I thought by now in my lifetime I would have been done with my student loans considering it has been nearly 17 years since graduating. Navient is not very helpful especially when concerning my money they only care about their income. My name is   XXXX   XXXX   XXXX   and I am sick of feeling like I ca n't move forward with my life. It 's a never ending assault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: LA

Complaint narrative:
Public records should be deleted as of  XXXX / XXXX /17 from all credit bureaus,  XXXX , equifax,   XXXX   XXXX  . It is making it difficult to obtain credit. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: LA

Complaint narrative:
Public records should be deleted as of  XXXX / XXXX /17 from all credit bureaus,  XXXX ,  XXXX , trans union. It is making it difficult to obtain credit. Please delete.

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 2017-07-16 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: LA

Complaint narrative:
Public records should be deleted as of  XXXX / XXXX /17 from all credit bureaus, experian,  XXXX ,   XXXX   XXXX  . It is making it difficult to obtain credit. Please delete.

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 2017-07-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX  and Equifax will not remove unauthorized inquiries even when fraud alert was placed on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
In mid  XXXX , I discovered my mortgage payment which I thought I submitted  XXXX   XXXX , 2017 via Bill Pay thru the   XXXX   XXXX   XXXX   had not gone thru. I called Seterus, Inc. On  XX/XX/XXXX  I phoned the company and spoke to  XXXX  and told them my payment had not gone thru due to my error. With  XXXX , I agreed to pay the   XXXX    payment and the late charge to total an amount of {$670.00}. He asked me to hold while he did whatever was needed to conclude the transaction. I do not remember any further conversation. and I hung up. On about  XX/XX/XXXX , I made the  XXXX  payment in the amount of {$640.00} which was to reach them by  XX/XX/XXXX . On XX/XX/XXXX , I received a letter from Seterus telling me I had a late payment. I phoned Seterus on  XX/XX/XXXX and spoke to  XXXX  who told me the   XXXX    payment was used to pay for  XXXX . I told him of the XX/XX/XXXX  transaction which he acknowledged in his record. He also told me the transaction was not completed and asked why and he said because I hung up on  XXXX . I stated that I did not hang up. I then asked why if transaction was incomplete a return phone call to me was not made. This same argument I made to a Manager,   XXXX   who said they had to charge another late charge (  XXXX  ) because these were the rules. I can not believe that if a transaction is incomplete their staff are not allowed to call the customer back. This makes no sense nor is it good business. Please look into why they have such a rule. I realize this is not a significant amount, but I believe its a rip off of folks just trying to pay their obligations. Thank you   XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing an account from  XXXX  that was a paid off and company agreed to remove the close account which   XXXX   and  XXXX  have removed but transunion keep coming back as verified. I have sent proof to transunion that the account have been removed from the others to please follow suit and they have not complied

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 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Credit Protection Association, L.P.
State: WI

Complaint narrative:
I set up an amount for credit protection to take out of my checking account for 3 months, made arrangements in  XXXX , started taking money in  XXXX ,  XXXX , and  XXXX . They were supposed to take {$180.00}, which they did plus an additional {$150.00} that was never mentioned at all. Because of that I had withdrawn money and it hurt my balance bad, so I did n't have enough money to pay my bills. I did n't see the statement untill  XXXX , when then took out the same thing. I 've never got any paperwork or notice about this. I sent them an email but I sent it yesterday, so I have n't heard anything which I figure will be Wednesday by the latest. I 'm in the process of stopping any more withdrawals from my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
The collection agency was advised that I had   XXXX   XXXX   and member ID is  XXXX .. The collection agency was advised that hospital had info and nothing was done to verify these statement instead the agency called 36 times in one day and continues to call. As I advised the employee from hospital and collection agency they must bill   XXXX   XXXX   then I will appeal claim and   XXXX   XXXX   will pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
1.   XXXX   XXXX   2.  XXXX  3.   XXXX   4.   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX   7. Wells Fargo Bank 8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

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 2017-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My original mortgage loan was purchased by Wells Fargo in the late   XXXX   XXXX  . After my wife died on  XX/XX/XXXX  Wells Fargo scheduled my home for foreclosure in   XXXX   of the same year. I tried and tried and tried to to work out something ; anything to keep my home and I was turned away. I sent Wells Fargo repeated copies of my wife 's death certificate and they never seemed to be able to keep it. They continue, to this very day, to send correspondence to my deceased wife or to her and I jointly. Though I have made repeated request for them to remove her name as she is DEAD. I have had agents of Wells Fargo say they would review what has happenened to me but they have never disclosed any information concerning any findings. They have now sold my home and have not provided me with anything information whatsoever. They just took my house of 20 years after repeatedly denying me a chance at a loan modification or any remedy at all, like I was nothing. Perhaps, I am nothing. Please help!!

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 2017-07-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
1.   XXXX   XXXX   2.  XXXX  3.   XXXX   4.  XXXX  5.   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9. Chase Bank To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: PNC Bank N.A.
State: FL

Complaint narrative:
1.   XXXX   XXXX   2.   XXXX   3.   XXXX   4.   XXXX   5. PNC Bank 6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
1.   XXXX   XXXX   2.   XXXX   3.  XXXX  4.  XXXX  5.   XXXX   XXXX   6. Regions Bank 7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

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 2017-07-16 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

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