vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-09 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: CA

Complaint narrative:
Tried to send money to someone I owed through papal. Spent over 45 minutes with them verifying all my information and they said we are refusing this transaction and there is nothing can be done. There is no means to rectify this situation through paypal. They said this a ip problem and even after verifying everything PayPal is still refusing to make the transaction, that I require them to make even though all fraud possibilities have been taken care of. <P/>Paypal rep : XXXX ID Number is XXXX He is suppose to be a supervisor in the business support department located in Nebraska Call Reference Number : XXXX says there is no number for the call recording XXXX has refused to give me the regulatory body in the government that overseas them. To prevent me from filing a complaint against PayPal for refusing to allow me to us my money in the way I want to use my money. Even after going through extensive verification process.
<P/>
There is no other department and PayPal does have a complaint department that I can talk to or have access to. Compliance department no will be provided there either. <P/>XXXX said he did file a complaint internally. XXXX just checks a box and does not understand anything about the complaint process. Expect ALL PAYPAL IS REQUIRED TO DO IS PUSH THE COMPLAINT BUTTON.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
There is a collection company trying to collect on an apartment debt which NO way do I owe the amount stated. I lived in this complex for many years, gave a 30 days notice and moved and never even received my deposit back. I think this information is inaccurate and have disputed with no resolution. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
IHAVE MUTIPLE I NQUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT TRANSUNION,  XXXX ,  XXXX  FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.

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 2017-06-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
IHAVE MUTIPLE  INQUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT  XXXX ,  XXXX , EXPERIAN FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.

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 2017-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX  there was an online purchase done at  XXXX . The person picked up the items in person at a local store. Upon noticing this {$300.00} I called  Chase stating that  this was not my charge.  Chase imme diately reversed the charge and issued a new card. This was around   XXXX   XXXX   XXXX    .  <P/> On   XXXX   XXXX   XXXX     we received a letter fro m Chase stating  that  XXXX  denied our claim stating " you picked it up in person ''. They have shown us no proof that the items were picked up by myself. When calling the store directly they were unwilling to obtain the video footage without a police report. We will be attempting again to file a police report   XXXX   XXXX   XXXX    .  <P/> The online transaction through our bank statement is listed as a debit transaction which places me unde r EFTA rules. This Act stat es that if the card is in my possession but someone makes unauthorized charges, the cardholder is not liable.  <P/> I would like the charges rightfully reversed and to receive my due credit of {$300.00}.  <P/> Sincerely,   XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: SC

Complaint narrative:
Sage Stream, LLC ( who ar e they??? ) has reported a score with an almost  XXXX  point disparity from other CRA 's. I want my report to see that they are reporting and I can not do this because I WILL NOT submit hard copies of the personal protected information they are requiring. I WILL NOT submit my social security card, birth certificate, driver 's license, etc.. to anyone, much less a company I have never heard of until a couple of days ago. So because I wo n't comply, I can not get my credit report to verify the accurateness of items being reported. Catch  22 and the winner is SageStream.   <P/> ****Why is the CFPB allowing a company to require that kind of information? I thought your role was to look out for the consumer. All other CRA 's have online requests and verify your info through your past credit experiences and then you 're able to download a P DF. **** This  practice is unacceptable and someone needs to figure out why I have  XXXX  point disparity in my scores.  <P/> Who are they accountable to? They need to be made to answer as to why 100 % of their scores are significantly lower than ALL other CRA 's.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
National credit syst ems ( company who called ) sp oke to a third party about my debt owed to a previous landlord. Call occurred Friday,  XXXX   XXXX ,  2017 . Third party answered the phone,  NCS asked for me, third party asked what the call was in reference to, and NCS stated the reason for the call was an attempt to collect a debt on behalf of [ landlord 's name ]. The third party asked for the company name again to tell me so I could report it and the girl from NCS scr ambled after hearing the plan to report it and said " well I thought you were saying that you were [ my name ] '' and ended up hanging up in a panic

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I was notified by   XXXX   that NationStar Mort gage LLC reported that I was 30 days delinquent on my mortgage payment in XX/XX/XXXX  and 60 days late in  XX/XX/XXXX . My full mortgage payment was made in  XX/XX/XXXX , then a partial payment of {$1000.00} in  XX/XX/XXXX , then the full amount owed in  XX/XX/XXXX . A list of dates and payments to NationStar Mortgage LLC are be low : XX/XX/XXXX   {$2400.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$1000.00}  XX/XX/XXXX  {$6000.00}  XX/XX/XXXX  {$2600.00}  XX/XX/XXXX  {$2300.00}  XX/XX/XXXX   {$2300.00} I understand th at they may report that I was 30 days late in  XX/XX/XXXX , but not 60 days late. I have tried to resolve this with NationStar Mortgage LLC but have not received a res ponse. The timeline is below  : XX/XX/XXXX  - Called   NationStar - A co mplaint was filed with the  Research Dept by NationStar, loan payment history received from   XXXX   XXXX   ( Customer Service Admin   Support ) at  Nationstar  XX/XX/XXXX  - F ollowup email to  XXXX   XXXX   ( C ustomer Service Admin Support ) at  Nationstar w ith my payment history from the bank - No response   XX/XX/XXXX  - F ollowup email sent to  Research Dept a nd  XXXX   XXXX   ( C ustomer Service Admin Support ) at  Nationstar requesting status update - No response XX/XX/XXXX - Followup email sent to Research Dept a nd  XXXX   XXXX   ( Customer Service Admin Support ) at Nationstar requesting status update - No response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
Professional Credit account  XXXX  verified today on  XXXX  credit bureau a debt that was paid at time of service at  XXXX   XXXX   XXXX .   At the time of emergency medical service I informed the hospital and presented info. that I was covered by   XXXX   CALIFORNIA.This debt also shows on  XXXX  and   XXXX   as account  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
This complaint is about my credit score. The  XXXX  companies are  XXXX  and Equifax. I have established and maintained outstanding credit for over 30 years. I 've paid off  XXXX  houses ; bought and paid for several vehicles, appliances. Credit card usage is only 7 %. Otherwise, no problems except  one. I ha ve and outstanding collection in the amount of {$250.00}. By the way the collection is in dispute. Currently my credit scores are  XXXX  and  XXXX  respectively. As you are well aware, these scores are rated fair at best. Also, any loan available to me are at a much elevated interest rate. I spoke to  one of the companies today. I voiced my concerns. Number one, the person on the ph one was unquilified and unable to help me get to the bottom of my complaint. N umber two, I asked to speak to a supervisor but was refused. The refusal, I bilieve, was because th e person on the other end of the phne was sitting in a call center in  XXXX . The crux of my complaint is agencies that collect and report all my financial activity assigns a score that is religiously used by lending institutions. The methodology they use is unregulated and subjective. It suppose to represent an individuals tendency to repay. my track record is stellar. Yet, with a minor deviation I am placed in a high risk pool. Somebody needs to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
On multiple occa ssions, NCB Management Services  has called me at work. Once they left a voicemail and the other time I picked up. Our work lines are recorded and now our conversations are recorded in my system at work. Now I 'm stuck with the potential of losing my job if that conversation or voicemail is heard during quality testing. Every day I fear it 's my last day because those conversation are recorded and archived. The person was also very rude and would not allow me to exit the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
experian has not investigated my claim referencing the investigation in to  XXXX    XXXX    allegation of my account being deliquent!

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 2017-06-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: CA

Complaint narrative:
Borrower is in the middle of a purchase transaction and we have been trying to ge t two mo nths stateme nts. 3 weeks  later we still do not have the statem ents. Borrower w ill be loosing his lock and possible the home. Need statement faxed to emailed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: TX

Complaint narrative:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called the police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Called transunion to dispute inquiries on credit report. I was told to contact the companies. I contacted  two companies that basically gave me the same response : contact the credit bureaus have no process to   change credit reports! I am  XXXX  and not very say with computers. I attempted again to get assistance from transUnion with no avail ... contact the companies. I do not know what else to do. I have several inquiries that did not have my permission to pull my credit.  XXXX   XXXX ,  XXXX  and  XXXX  are the only companies given my permission. I was very specific with not running my 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 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On  XXXX   XXXX ,2017, I received a call from a company that did not disclose their name who said that I owed money to a credit card company. They said that if I did not contact them to resolve it, it would affect employment, assets and/or bank accounts. This matter has been resolved through the legitimate company and HSBC Bank and is no longer owed. They told me when I called them that they will see me in court and said I better have proof of my payment. I am worried that they will continue to harass me for this bill. This is the second fraudulent company trying to collect on this bill. I think they are just passing my information around to different people and that worries me. The number they called me from is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The following invalid inquiries are reported on my Transunion  Consumer Cr edit Report :  XXXX   XXXX   XXXX , regular inquiry,  XXXX / XXXX / 2016   XXXX , regular inquiry,  XXXX / XXXX / 2016   XXXX   XXXX , regular inquiry,  XXXX / XXXX /   2016  I have contacted the companies to have them removed!

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 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: CA

Complaint narrative:
On multiple occassions,  XXXX   XXXX   XXXX  has called me at work. Once they left a voicemail and the other time I picked up. Our work lines are recorded and now our conversations are recorded in my system at work. Now I 'm stuck with the potential of losing my job if that conversation or voicemail is heard during quality testing. Every day I fear it 's my last day because those conversation are recorded and archived. The person was also very rude and would not allow me to exit the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
Made scheduled payments according to agreement but now Bank saying I missed payments last year. I have Bank statements but the say I need cancelled checks. I tried to explain I have a checkless checking account so there are no cancelled checks. They accepted a  XXXX  payment in  XXXX  and the I sent  XXXX  in  XXXX  that they refused. I have had this problem several times before and always look for a way to come to a settlement in which I end up paying thousands of dollars upfront and large payments following months. Then once I 've satisfied my agreement they come up with something new. I can provide more indepth detail about events over the last few years if needed. I feel the Bank is doing this to me intentionally and I feel it 's based on discrimination and wonder how many other  XXXX  Americans are having/have had the same problem. If I had missed payments the way was the  XXXX  not applied to that rather than to the current month s (   XXXX ,  XXXX , &  XXXX   ). I  forgot to mention that they refused payments back i n (   XXXX ,  XXXX , &  XXXX  ) of    2016. Th ey refuse all these payments and then require me to pay them all in a lump sum upfront payment. I 'm not a wealthy person and a single parent who basically lives paycheck to paycheck. I need to know if I ha ve a legal avenue to file a  class action suit or what can I do to stop this type of recurrent action. Why did they accept my  XXXX  payment in  XXXX  and then move to foreclose on my home? Why did n't they say something then?

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 2017-06-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has been insufficient in upholding the law. I have been disputing with the company XXXX XXXX since XX/XX/XXXX. <P/>I have requested that the company provide VALIDATION and VERIFY the account. It was NEVER done. <P/>Each dispute the company said " we need more information from the consumer '' ( see attached. ) Each dispute, re started the clock, which is AGAINST the law. <P/>I am attempting to buy a home and get a JOB, w/ a Security Clearance. <P/>Are there NO managers supervisors at Experian that looks personally at accounts and say, " this account was in dispute since XXXX, the company is n't following the law therefore we can not continue to keep this on the consumer 's credit? '' This account should have been REMOVED when the company came back with unverified information. <P/><P/>2ndly, I have two hard inquiries from XXXX and XXXX. I did NOT authorize the XXXX inquiry. <P/>I was told to put the block on my account to prevent more unauthorized inquires. NONETHELESS, I call reps and they REFUSE to remove an unauthorized inquiry. <P/>The XXXX XX/XX/XXXX and the XXXX inquiry should be removed. <P/>The other unverified, invalidated item on my report is from XXXX. the company did not Follow LAW. I was not told of this account or allowed to dispute it. <P/>Experian has my dispute, the companies apology and has still NOT removed. the account. <P/>I called Experian to tell them that there was an inaccurate payment history on my XXXX XXXX account. It showed 90 days past due XX/XX/XXXX. This was untrue because I was in forbearance. <P/>Attached is my payment history prior to my phone call to Experian and after my phone call to Experian. the 90 day late, with the history I sent was corrected ; however my credit history was removed. <P/>update my credit 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 non-monetary relief