vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: ND

Complaint narrative:
Hello, This complaint is concerning the practices of Skrill which is an online way to send payments over the web much like XXXX 

I set up a Skrill account on XX/XX/XXXX and added funds via credit card which it linked to my joint bank account with my husband. 

I added funds and purchased b itcoins from XXXX website which the person provids an email address for their Skrill account and funds are transferred. That transaction went fine. 

On XX/XX/XXXX I made two uploads to Skrill from my linked credit cards on their site. The funds uploaded fine but when attempting a {$120.00} transaction sending to an email address I received a message advising to contact Skrill as there is an issue with my account. 

I emailed them and they advised restrictions have been placed on my account and I needed to provide answers to what I was using my Skrill account for and who I was sending money too and also wanted a credit card statement for card used to add money to my account. 

I responded back with details of my transaction, etc. and explained that my credit card is linked to my bank account and I do not get a statement like a normal credit card. I provided a screenshot of my bank account that shows their debits via the card. 

I received a canned message back from them advising they need a credit card statement. It is apparent that no one really reads the emails sent to them and just sends a canned response asking for the info you can not provide. 

After researching I read online the numerous complaints of Skrills practices of allowing funds to be added to your account but then " restrictions '' put on the account which keeps you from doing anything with your money. Eventually hoping you give up or the funds are eaten away by their fees for inactivity etc. 

The main complaint I have is that if they decided to restrict my account and question my very first transaction sent out which they wanted details of ... why allow the person to add money to their account? I had no clue of the restriction until I uploaded more funds and tried making a second transaction. 

At this point I just want my {$120.00} refunded and my account closed. I think that Skrill is deceptive in allowing funds to be added and then holding your money hostage while saying they need additional documentation that you can not provide regarding previous transactions. I believe this a scam that they try to pass off as security measures so you have no recourse to get your funds. 


Any assistance would by greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I sent XXXX a letter asking for verification and validation of account number XXXX balance of XXXX. I was sent back that it was verified. with no proof of singed documents and no proof of any said investigation.

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 2018-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX has reported total of {$550.00} unpaid debt owed to XXXX on my credit report. I have tried to resolved this issue without any success. I did not purchase a XXXX phone in XX/XX/XXXX as reported by XXXX XXXX. I indeed own a XXXX phone but it is part of a family plan established by my husband in XX/XX/XXXX. This is and has been my only XXXX phone in the past 8 years. I would like for XXXX XXXX to please remove this inaccurate information from my credit report file. Thank you!

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 2018-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
The original company I signed up to work with was sold off. Since then, XXXX XXXX has been uncooperative. I 've called in the past and attempted to make additional payments over the phone and the company has refused to take my payments. The company also basically informed me that there is no way for me to make additional payments electronically that would aid in me paying off the mortgage sooner. On XX/XX/XXXX, I called and asked them if I could simply MOVE one payment (XX/XX/XXXXXX/XX/XXXX ) to ( XX/XX/XXXX ) due to some critical events that have happened in my life. I have never been late in the 10+ years that I have had this mortgage. XXXX at XXXX XXXX refused to honor my request. Life happens and the mortgage company should be flexible to reasonable requests. I FEEL THAT THIS MORTGAGE COMPANY IS IN THE BUSINESS OF TAKING MY MONEY AND KEEPING ME IN DEBT BY NOT ALLOWING ME TO MAKE ADDITIONAL PAYMENTS AND BY NOT ALLOWING ME TO PROACTIVELY MAKE A PAYMENT ARRANGEMENT FOR " ONE '' PAYMENT IN 10+ YEARS!!!!!!! THEN IF I AM LATE, THEY WANT TO STOMP ON THE CONSUMER AND THROW IN YOUR FACE THAT YOU WERE LATE. I need a third party to get involved since this mortgage company is one of the companies that was responsible for the 2008 financial crisis that our country had to endure. In addition, when I called to work the situation out with them, XXXX refused to give me a case number as evidence that I officially called with my concern/request. What customer service refuses to document or provide you with a case number as evidence of your call? Apparently, XXXX XXXXe customer service does. This is not an acceptable customer service practice to me and needs to be investigated.

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 2018-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I received a notice actually 3 in one day to collect some kind of court debt. I have no knowledge of any such debt. 
I had a debt with the courts 1 1/2 years ago and have been in constant contact with the court and the judge and we pulled up all cases and resolved them and are on a payment plan until this XX/XX/XXXX at which time the judge ordered it will be paid in full. 
This collection agency is not one that this court even uses and I dont recognize any of the docket numbers from what we had discussed and copy of from the same court. 
So I believe this to be fraudulent. 
I have not called the company because it may be a scam but I have called the courts and left a msg and waiting for a return msg but am confident with all of our records and contact with the judge these do not apply to me at all. It is also not showing on my credit report, nor have I ever received any notice of collections previous to the threatening letters of garnishment I have here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: PA

Complaint narrative:
I sent a letter to Portfolio Recovery requesting that they validate NOT verify a debt that they are trying to collect from me. I specifically asked for a signed agreement and other supporting documentation, They provided me with billing statements which does not prove that I am obligated to pay them anything. They have called me saying they will get a judgment against me if I can not settle the debt. They have reported delinquent information to the credit bureau that I am asking to be deleted as well and to stop all collecting activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I had a XXXX of a spouse. With all the transactions regarding the XXXX XXXX, I notices unauthorized withdrawls with my card still on me, using my PIN and RFID. TD Bank refuses to help even with police report and report from work showing I was at work during these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: PA

Complaint narrative:
I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong No Name-XXXX past due amount missing Monthly payment missing No high balance Payment history missing XXXX XXXX-XXXX No high balance Payment incomplete also late payments are being reported when account is closed XXXX XXXX XXXX XXXX XXXX the account status is missing and the 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 2018-01-20 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: PA

Complaint narrative:
I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong No Name-XXXX past due amount missing Monthly payment missing No high balance Payment history missing XXXX XXXX-XXXX No high balance Payment incomplete also late payments are being reported when account is closed XXXX XXXX XXXX XXXX XXXX the account status is missing and the payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I made a security purchase on XX/XX/XXXX using my chase Checking account I was alerted on XX/XX/XXXX that the payment was declined by Chase due to insufficient funds. I immediately got concerned and called Chase. 

Chase had issued a Court Ordered " Hold '' on my account for {$12000.00}. They also mistakenly " debited '' {$12000.00} out of my checking account. They agreed the total amount was {$12000.00} and that they mistakenly tied up {$24000.00} causing the stop payment for insufficient funds. 

The Brokerage now has fined me for failing to settle the transaction, not to mention {$1600.00} in lost gains and they closed my account. 

I spent hours on the phone with various Chase customer service representatives and Court Order and Levies representatives. They admitted to the problem and said they would reissue the payment for the securities within 24 hours. 

Fast forward to XX/XX/XXXX, and Chase has completely changed their story saying there is nothing they can do, the payment can not be resubmitted. 

I am extremely troubled by the lack of sound information coming from various Chase representatives. I 've spent hours on the phone with Chase, and I got 3 different answers when talking to 3 different reps. The latest call was ended after the rep told me there is nothing more they can do and she hung up ( XXXX XXXX - XXXX ) I have been a Chase customer for almost 20 years and this is the last straw. I am going to start closing accounts and moving business elsewhere. Somewhere that can service the customers it has. These banks are becoming too big for their own good and it shows. They hide behind phone calls and there is ZERO accountability. Everyone operated behind a phone and computer and no one actually cares when the customer gets burned. 

Between XXXX XXXX and Chase, they cant get out of their own way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: FL

Complaint narrative:
I reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating XXXX stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from XXXX XXXX themselves as my proof. I have done everything that is required by me and I expect Experian/XXXX/XXXX XXXX XXXX to do so also.

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 2018-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I accidentally submitted a payment of XXXX ( full balance, not the statement balance ) to be paid from a checking account. The payment was posted that business day, however the balance in the checking account was not at XXXX. This payment was kicked back. The following business day ( a Monday ), the checking account balance was above that amount, the payment was retried, and completed successfully. 

I was charged a {$25.00} for the return and retrial of the payment. I do n't believe it cost the company {$25.00} to perform this service. It seems to be a purely punitive measure by the Credit Card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sold my home last year and BBVA COMPASS BANK reported BANKRUPTCY on my credit report on XX/XX/XXXX. I have contacted COMPASS BANK numerous times and no one has returned my phone call. I have had to hire a credit company to try and resolve this issue. We sold our home in XX/XX/XXXX and purchase our new home in XX/XX/XXXX. I have never filed for Bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20 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: Midwest Recovery Systems
State: CA

Complaint narrative:
Midwest Recovery systems located at XXXX XXXX XXXX XXXX XXXX Mo. Has attached a collection account in the amount of {$640.00} to all 3 credit reporting bureaus. 

I do not know who this company is and have never received any documentation from them at all none whatsoever. I am disputing the account as not mine and suspect this is a fraudulent attempt to collect monies not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
From XX/XX/XXXX -XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX my credit report now reflects 30-60 past due when in fact was never late.. on my credit dated XX/XX/XXXX none of these payments were showing late in fact they werent late. I have disputed the inaccuracies with all three bureaus as well as spoken with XXXX XXXX XXXX about this inaccurate information. They all have failed to validate the accuracy of the info and complete a thorough investigation within 45 days. They have also reported that my account open with the company on XX/XX/XXXX which is not accurate to the signed contract between myself and XXXX XXXX XXXX. Because of the false reporting and poor maintenance of my credit file I lost out on finance options and needed loans. Attached is a screenshot of my account reporting from the bureaus

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 2018-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I receive hourly calls from an unknown number, however, once a day this call includes a voicemail from XXXX XXXX for XXXX. I am well-aware that I owe a debt to XXXX in the form of overdue credit card payments. Looking back on my device, since XX/XX/XXXX I have received seventy-five ( 75 ) calls from XXXX XXXX attempting to collect my debt. This is without going further back on my actual phone bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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 reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating nationwide stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from nationwide recovery themselves as my proof. I have done everything that is required by me and I expect XXXX/Transunion/XXXX XXXX XXXX to do so also.

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 2018-01-20 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: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating XXXX stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from XXXX XXXX themselves as my proof. I have done everything that is required by me and I expect XXXX XXXX XXXX to do so also.

Company response to consumer: Closed with explanation