vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VT

Complaint narrative:
PayPal has froze money on our account. 
We opened Paypal back in XXXX XXXX and had been using it with no problems until the end of the year. After a year the froze my money on our account with this explanation " fake ID uploaded when account was opened ''. They told us to wait 180 days and then we can get the money, 180 past and we can not take the founds ( {$490.00} XXXX from the account. 
Driver license had been issued by the state of XXXXt and can not be " fake ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EVERBANK, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX XXXX, XXXX Dear XXXXureau of Consumer Financial Protection : I am hoping for your assistance with a matter which, I fear, will turn problematic in the near future. It involves my optometric practice and its relationship with an institution known as EverBank Financial, which may have formerly been a subsidiary of XXXX XXXX XXXX and is now owned by a finance and banking company which goes by the name of TIAA , FSB. I have been informed that the EverBank nomicker still exists under the control of TIAA , FSB. 

Three years ago XXXX XXXX of XXXX ), I entered into an agreement with EverBank to purchase a piece of examination equipment. This agreement was facilitated by the manufacturer of the instrument, XXXX XXXX. To my understanding ( and also to the understanding of the XXXX representative ), my agreement with EverBank was to be a loan, one which could be paid off in advance if I so desired. 

On XXXX XXXX, XXXX, I took advantage of that option. I made a lump sum payment to EverBank to the exact penny of what EverBank said I owed if I was to pay in full ahead of schedule. Any final lump sum payment to pay off my debt was to be done at a discount from that which I would have to pay were I to continue with payments. I have that very specific documentation in an email from EverBank because I requested that information in order to make the proper payoff payment. [ I will gladly provide this evidence as well as a detailed expose of the bullying manner in which I have been treated by EverBank from the time our relationship commenced, if requested. I have pages upon pages of documentation ].
My obligation to EverBank is now fulfilled. Nevertheless, I continue to receive monthly statements from them in which they subtract the normal monthly payment from my large credit balance. 

My suspicion is that when EverBank makes the debit which finally zeroes my balance, they will find that I still owe a substantial amount of money. They have never been forthright and honest with me and do not know why it should be any different at that point. 

What I want right now is a letter which dismisses my obligation, a so-called Paid in Full notification. This is something which EverBank has been unwilling to provide, in spite of repeated requests through registered mail. I have never even received a response. 

Would you please help me get what is only right that they provide? I would greatly appreciate your assistance in any way you can. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX They will start calling first thing at XXXX then the calls are repeated every hour or numerous times each hour. I would say it started on XX/2017. I have tried to talk to the company and let them know when I would send a payment in but the phone calls wont stop even though I have spoken to a representive, Im just like I just talked to someone from the company why are they still calling non stop. I know Im over due with my account/ Bill but now the calls are becoming harassing/ annoying in where I cant sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-04 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: Schachter Portnoy, L.L.C.
State: NJ

Complaint narrative:
To whom it may concern, In the spring of XXXX, while I was still in school, two of my student loans went into delinquency. In early XXXX those loans went into default. At that time the law office of Schachter Portnoy , L.L.C . began collection on the loans. We agreed upon an amount and I have been paying it ever since. I was writing to see if I could get this delinquency or negative mark off of my credit report. It has affected my life ever since and now I am trying to buy a house and it is making this difficult. I have kept current on everything else in my life and this is the only blemish on my credit report. After speaking with a loan XXXX and explaining my situation he also said the way this appears on my credit report doesnt seem quite right. At the very least I would like the status of this to be changed. I have tried to contact Schachter Portnoy and they told me the only thing that could change the current situation was to pay to amount in total and I dont have that kind of money. I do not want this derogatory mark on my credit report for the next 10 years. I have included documents from Schachter Portnoy L.L.C regarding the default and my current standing as well as bank statements showing my payments. Thank you for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XXXX XXXX, XXXX I applied for a small business checking account online with BBVA Compass. I specifically chose BBVA Compass because they stated on their website that one could open a new business checking account online. I completed the application process successfully. 

On XXXX XXXX, I received an email from XXXX XXXX at BBVA. She asked some questions XXXX answers to which had been supplied during their online application process ), including whether I wanted to use my Social Security number or my business EIN number for the tax reporting on my account. I had supplied my Social Security number during the online application process, but also provided my company XXXX number for the tax reporting in a response email the same day. It does not matter to me if my XXXX or XXXX is used for tax reporting purposes for this account. Since I am a sole proprietor of this business, the tax process is the same for either number. 

On XXXX XXXX, I received a response from XXXX XXXX stating that since I had provided my EIN number, they would not be able to open the account. Instead, she said I would need to visit a BBVA branch location to open the account. She informed me that she had canceled my online application. 

I feel that BBVA was deceptive in this case by offering to open up a checking account online, but failing to do so. If the representative from BBVA would have explained to me the difference between using my SSN vs the EIN for the business, I would have chosen to use my SSN to open the account. I suspect that this offer to open the account online was just a bait and switch tactic in order to drive people to their physical branch locations where they would be able to use additional high-pressure sales tactics in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
As noted when speaking with one of cfpb 's representatives, I am submitting more information re my recent complaint against Tenet Healthcare and XXXX XXXX XXXX. 
To reiterate briefly, on XXXX XXXX, XXXX, I visited the Emergency Dept at XXXX XXXX, XXXX XXXX, XXXX. After about 5 hours of waiting with internal bleeding, a Tenet employee called me to window 3 in the ED waiting room, looked at my XXXX card, and informed me my visit that day was free of charge. I received a bed shortly after that. Then, in a classic Bait and Switch, I receive bills from Tenet and their subordinates for {$7200.00}! 
This is part of XXXX 's response : " We have contacted our client and verified that the consumer was provided and signed a financial responsibility agreement prior to receiving services. The consumer was provided with a copy of this document at the time of service to keep for their records. '' I dispute this response as even if I did sign something ( I have no copy of this ), being at a level 10 threshold of pain, had n't eaten solid food for almost 2 days, was severely dehydrated, and due to these conditions any such " signing of financial responsibility '' was not made with informed consent - I was in too much pain to comprehend anything such as signing a responsibility agreement. ANY SIGNING WAS DONE UNDER DURESS, WITHOUT INFORMED CONSENT! 
Let 's look at who we are dealing with - Tenet - who paid XXXX XXXX a few years ago when prosecuted for XXXX fraud, and just lately agreed to pay over XXXX XXXX for XXXX fraud! XXXX executives are now charged in this recent case as well. 
My point is twofold - TENET IS A CORRUPT CORPORATION AND ROUTINELY LIES TO PAD ITS PROFITS! TENET WAS/IS LYING WHEN THEY STATED THAT THEY COULD FIND NO EVIDENCE OF THEIR EMPLOYEE INFORMING ME MY XXXX VISIT WAS FREE OF CHARGE. AS WELL, THEY BILLED ME FOR OVER XXXX PERCENT MORE THAN XXXX WOULD PAY FOR SUCH SERVICES! THEIR BILL IS AGAIN ATTACHED TO THIS COMPLAINT. For instance, I was charged {$3000.00} for a CT ABD PELV with CONTRAST - XXXX PAYS ABOUT {$250.00} FOR THE SAME SERVICE! THAT 'S A 1200 % OVER BILL! The blood work was not bundled, and came to {$860.00}! 
IT SEEMS TENET IS RADICALLY OVER BILLING - TRYING TO MAKE UNDERINSURED/NON INSURED PEOPLE, ESPECIALLY THIS SENIOR, PAY THEIR FINES FOR BEING CORRUPT AND PRACTICING XXXX AND XXXX FRAUD. IT IS DIFFICULT AS A LOW INCOME SENIOR TO FIGHT THIS CORRUPT COMPANY. TENET IS NO DIFFERENT THAN A XXXX THUG WITH ITS JACKBOOT ON MY THROAT THREATENING MY CREDIT RATING AND DOING ITS BEST TO DESTROY ANY PEACE I MIGHT HAVE AFTER WORKING 49 YEARS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXXComenity Bank They will start calling first thing at XXXX then the calls are repeated every hour or numerous times each hour. I would say it started on XXXX. I have tried to talk to the company and let them know when I would send a payment in but the phone calls wont stop even though I have spoken to a representive, Im just like I just talked to someone from the company why are they still calling non stop. I know Im over due with my account/ Bill but now the calls are becoming harassing/ annoying in where I cant sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
My property was a victim of extreme flooding during Hurricane Harvey in XXXX. After spending weeks going through flood claims with the NFIP / FEMA and my mortgage company, Rushmore Loan Management Services, I finally received a check from the NFIP that was endorsed to both Rushmore and myself. After endorsing the settlement check and sending it in, Rushmore took 3 weeks to put my funds into a special escrow account. The ability to receive funds is dictated by the terms of Rushmore and their Loss Draft Department guidelines, none of which are favorable to the homeowner. The settlement was above the {$40000.00} threshold which Rushmore instructed had " special '' procedures. 

The process of getting funding from Rushmore has been nothing short of impossible. First, Rushmore mandates a contractor must be hired, costing the end consumer potentially thousands more and lots of headaches. Upon finding and selecting a contractor, Rushmore puts the contractor on all checks payable until the release of lien is received. This has become a problem because my contractor has been scamming me as a homeowner. Upon the contractor electing to walk away, I am required to pay his amount stipulated in exchange for a release of lien. Rushmore will not send any further money from my insurance settlement until the first release of lien is received, even if the consumer / homeowner is forced to be out thousands extra to avoid going to court with the scam XXXXtractor.

Rushmore is prohibiting the homeowner from getting the necessary work done with the funds received from the insurance the homeowner paid. The rigid processes that Rushmore has put in place has put a financial strain on me as a consumer and I 'm sure thousands of others like me. Their Loss Draft Department consistently provides inconsistent information and is never prompt in their responses. Paperwork takes week to be processed and receiving any funding takes even longer. 

Rushmore has put me in a major bind between losing thousands with a fraudulent contractor to simply gain access to the remainder of my funds in a timely manner or spend years fighting the fraudulent contractor in court, prohibiting me from getting the necessary funding to complete the rebuild of my home. This is a major strain on the homeowner / consumer and forces me to have to choose between the lesser of negative outcomes even if it costs me funding for no reason other than Rushmore 's loss draft processes. 

Rushmore protects the contractors before their own clients. There is no protection or benefit for the customer. 

I am in completely good standing with Rushmore and have never missed or been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1. I was laid off from my job on XXXX/XXXX/XXXX. 
2. In good faith I contacted my mortgage company ( Wells Fargo ) before all other creditors to request help and make payment arrangements. 
3. I was advised to begin 6-month payment  assistance/forbearance program followed by loan modification program 4. I got a new job on XXXX/XXXX/XXXX and continued making payments on time. Below is our payment history between XXXX XXXX and XXXX XXXX : Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX amount paid {$1600.00} ( prior auto payment amount ) Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} ( Started trial payments early ) Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} After successfully completing payment assistance program, we requested to convert to loan modification program. However, we were also in the process of selling our home. We advised Wells Fargo that the home would be sold within 30 days and the loan paid off. Our understanding, based on conversation with Home Preservation Specialists, was that any unpaid mortgage payments would be added to the back end of the modified loan. Since we were making payments every month and was approved for the loan modification, we did not expect the default status reported to credit bureaus by Wells Fargo and the negative impact on our attempt to obtain new home loan. We believe this is unfair. See attachments for background and further details.

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 2017-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: TX

Complaint narrative:
As per bankruptcy case number XXXX, XXXX was listed as a debtor as there were " lease payments '' on a cellular device. The phone number associated with this account is XXXX. I have returned the device and paid for usage. Seven times over the last six months, I tried to reach out to XXXX to resolve this matter. Each time, XXXX assured me that the account was closed and " would have '' a zero balance. XXXX did not object, nor attend any debtors meetings. I am still receiving daily calls from IC Systems demanding payment and this debt collector has placed a collection account on my credit report. XXXX now indicates I owe a balance due to a broken lease agreement which was listed in the bankruptcy. No one seems competent at neither XXXX nor IC Systems to resolve this matter. Therefore, as a last resort, I am reaching out to CFPB. Your prompt assistance is greatly appreciated. " XXXX '' with employee ID XXXX was the last person I spoke to regarding this account with 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 2017-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
In XXXX of XXXX a judgement was file against me by XXXX XXXX XXXX XXXX XXXX even though I was making month payments as agreed. I was told it was taken over by another company. They garnished my wages in XXXX and in XXXX I was told that I still owe them and the debt was transferred to Cooling and Winter. I have payed these people and they are still trying to collect an additional XXXX plus dollars. The order they initially filed I never received. I need papers showing this has been satisfied and they still saying I owe them for court cost and fees which keeps this acct opens.

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 2017-11-04 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: Kriya Capital, LLC
State: CA

Complaint narrative:
att, credence resource management and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: Army and Air Force Exchange Service
State: CA

Complaint narrative:
XXXX, XXXX XXXX XXXX and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request

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 2017-11-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Step 1 : What is this complaint about?
Hard inquiry on my credit report. I did n't make any credit requests.
Step 2 : What type of problem are you having?
Unauthorized hard inquiry.
Step 3 : What happened?
Unauthorized hard inquiry.
Step 4 : What company is this complaint about? 
Syncb/walmrt XXXX, FL XXXX XXXX XXXX XXXX XXXX Step 5 : Who are the people involved?
Myself. XXXX XXXX & Syncb/walmrt

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 2017-11-04 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: TN

Complaint narrative:
When I pulled my annual credit report a year ago, I saw that a fraudulent account balance from XXXX XXXX XXXX was reported on my file as a collection through XXXX, XXXX XXXX for {$60.00}. I immediately contacted the collectors at the number listed asking them to verify the validity of the account because I was with another carrier at the time the alleged charges were incurred. The company failed to provide this information and I submitted a dispute with Equifax to have the collection account removed from my account because the company made no attempts to verify the accuracy of the debt. I have yet to here from Equifax about removing the inaccurate account. Then today, I pull up my annual credit file and I see XXXX still listed as a collection as well as XXXX XXXX XXXX listed for the same debt. There is no contact information listed to contact the company and I have tried to initiate a dispute on Equifax 's website, but it is telling me the identifying info I have provided is inaccurate. Really!! These collection companies are parasites and Equifax is supplying hosts. They need to be held accountable. Fix the problems you are creating.

Company response to consumer: Closed with explanation