vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: ND

Complaint narrative:
On XX/XX/XXXX I began discussions with a XXXX XXXX seller to purchase speakers. I agreed to purchase them and made two transfers to the seller. The first transfer was through XXXX in the amount of {$440.00} on XX/XX/XXXX, and the second transfer was through XXXX XXXX  in the amount of {$440.00} on XX/XX/XXXX. 

Everything was going as planned until XX/XX/XXXX, when the seller stopped communicating with me and did not ship the items as promised. 

I then asked the seller for a refund through XXXX & XXXX XXXX on XX/XX/XXXX. 

The seller did not provide the refund nor did he respond so I filed a dispute through my bank on XX/XX/XXXX. I also filed a dispute on XXXX XXXX  's website on XX/XX/XXXX. 

XXXX XXXX has responded to the claim and refunded the {$440.00} due to the fraudulent transaction. 

I have attempted to also file a complaint through XXXX which has proven to be much more difficult, if not impossible. 

On XX/XX/XXXX, at XXXX, I called the XXXX customer service number ( XXXX ) XXXX and spoke with XXXX ( Emp # XXXX. ) I informed him of the transaction details and asked him about helping me with a refund due to the fraudulent transaction. He told me he couldn't help me and said that in order to inform XXXX about a person committing fraud through their system I would have to send a letter to their corporate office through the USPS. I asked him to send me an email with the information and to document our phone conversation but he said he didn't have access to email so I asked to speak with his supervisor. 

XXXX, his supervisor, came on the phone. She would not provide me with her employee ID as she said she wasn't permitted to. She proceeded to take down the transaction information and told me she was writing up a report to submit to her supervisor about the fraudulent transaction/user. She provided me with Case # XXXX. I asked her to email me documentation of the filing of that case but she said she was not permitted to send emails. 

The issue with XXXX is they are not protecting the consumer. With their abundant technology ability to transfer money and give people instant access to funds, they aren't using the same technology to reverse fraudulent transactions. They aren't even giving people an electronic way to file a complaint! I believe it is their intent to avoid electronic communication. 

By not providing a way for the consumer to file a fraud complaint and assisting the consumer, they perpetuating the fraudulent transactions. 

If XXXX XXXX provided a refund due to fraud, then XXXX should as well. They have a responsibility as a financial platform to step in to stop fraud, not assist it. 

XXXX XXXX XXXX XXXX  post id # XXXX URL - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On a recent review of my credit report, I discovered your company XXXX XXXX, XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt They said that everything is verified and accurate to all three credit bureaus but it is Based in there word without any physical evidence. They must produce also produce the above or delete or entry from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Monarch Recovery Holdings, Inc.
State: IL

Complaint narrative:
I have not received any documentation about this supposed debt that I owe to this debt collection company, but they just recently called my office and left a message with my boss. They have contacted me prior and threatened to sue me but refuse to tell me what debt this is for and how much I owe. They are breaking many, many laws with their scare tactics and they're trying to collect on a debt that is past the statute of limitations for the state of Illinois. There are several lawsuits out there against them currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I signed a lease in XXXX XXXX for for 13 months called the XXXX XXXX XXXX Unfortunately the lease was broken and I only lived there 1 month due to XXXX   XXXX. I was helping a girl that was homeless of XXXX XXXX that was involved in the largest mass shooting in country from XXXX XXXX XXXX on XX/XX/XXXX I was threatened by the Venue apartments for noise, they cut my bike lock off and stole my bike and called police in which I was released after 1 hour. 
So months went by and I got a bill from XXXX in XXXX Wa for a bill over XXXX I was emailed by XXXX XXXX stating that I need to pay the bill.I then hired a attorney in which it was agreed that my balance would be {$1000.00} in which payments were made. 
On XX/XX/XXXX I received notification that XXXX forwarded a balance owing to XXXX XXXX XXXX IN Industry Type Other Collection Agencies Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Creditor Preferred Contact Other Account Number XXXX Account Balance {$2500.00} Payment Status Collection/Chargeoff This information is false on my credit reports and should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
PayPal tricks people to use PayPal credit with 6 months free interest financing. And there is no warning/nor a date on the website indicates the due. I purchased a camera via PayPal credit six months ago for {$1900.00}. PayPal credit with 6 months free interest financing. And today, paypal suddenly sent me a bill of {$2200.00}. This business practice from PayPal is really terrible. Because I didn't get any email from PayPal prior the six months period ends. Nor I was able to find any date on in my accounts to indicate my due. So I believe PayPal wants to mislead people to charge people more interests. And after discussing with PayPal, PayPal 's customer service is not willing to cancel the fee even I can pay in full immediately.

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 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: NJ

Complaint narrative:
Has a XXXX on report as criminals for a XXXX XXXX and I WAS NEVER EVER CONVICTED. REPORT SAYS TO CONSIDER!!! I LOSS THE JOB!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, Citi Bank did not renew my card. I inquired multiple times, including today, to work things out and they said it was because of credit score ( which is well over 700 ) and derogatory information ( have no clue ). I have had this Sears card for well over a decade and have almost always ( 99 % over 10 or 20+ years ) paid on time in amounts much greater than the  minimum. I've earned a lot of points over the years and those are no longer available either. I feel I've been unfairly treated and discriminated against in a manner which is driving my credit score down, and the victim of a company 's bad management attempting  to do unethical things to get them back into good standing. I feel I've been totally taken advantage of.

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 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied online for a 5 year moratorium of offers of credit and fromally mailed in permanent opt-out on XX/XX/XXXX. On XX/XX/XXXX, I received a credit card offer from Citi for a XXXX XXXX XXXX XXXX XXXXXXXX Credit Card. the Invitation number is XXXX. I spent an hour looking for ways to contact Citi, but I could not find any phone number to call. I have followed the permanent Opt-Out process and it appear that Citi is not using the data from XXXX or the XXXX XXXX XXXX to limit its unsolicited offers of credit, so I felt it is important to do a  formal complaint.

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 2018-11-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Sent a complaint through the XXXX  to Equifax got a message back the next day, basically refusing my request to re-investigate. 

Since the Equifax Data Breach back in XX/XX/2017. I have seen a variety of different things keep appearing on my Equifax Credit Report that I dont know where they came from. Anywhere from New Inquires, New Accounts, Fraudlaunt Applications they have came across my credit report. 

Whats weird about this whole thing is when I questioned XXXX  and XXXX  they investigated the same thing I ask Equifax to do, and their results after investigating came back with several accounts that resulted in deletion because they found IP addresses came out of another state. 

So when I ask Equifax to do the same they continue to refuse my request which should be against the law. I know they broke the law by refusing my request to reinvestigate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affiliated Creditors, Inc.
State: TN

Complaint narrative:
On XX/XX/18, I received a letter from Affiliated Creditors Inc. stating an alleged debt in the amount of {$56.00} from " XXXX XXXX XXXX. '' This alleged debt came in response to my prior landlord giving me the ability to move out a day late, which was given in good faith over the phone on a recorded line. On XX/XX/18 I disputed the charge via an email to " XXXX  '' ( attached ). In this email, I included facts and proof of this conversation and agreement. On XX/XX/18, I was contacted back from ACI by  XXXX who informed me that I was still responsible for the debt. She could not provide me any insight or verification about the alleged debt since my supporting documentation. After reviewing the FDCPA, specifically section 809 which deals with the validation of debts, I called back to speak with XXXX on XX/XX/18 to ask for the " verification or judgment '' that was supposed to be mailed to me after my dispute. She became defensive and asked where I was getting this information. When I informed her this was from the FDCPA, she laughed it off and said " I will send you what I have. '' I asked what this was, and she asked what I had. When I told her I wasn't trying to play games, but simply wanted the verification of the debt, she said " I'm not fighting with you over {$56.00}. '' While this {$56.00} may not be a big financial burden for XXXX, it is to others. If {$56.00} isn't that big of a deal, than perhaps she should pay it. Regardless, she was only able to tell me that " there was nothing in writing because it was a conversation the apartment manager and their associate had over the phone. '' If this is the case, how am I as a consumer supposed to have any clarity to the debts in question? I doubt I will receive any further correspondence from her or ACI because of the way in which she handled herself. As a consumer, this worries me not only due to the financial nature of this ordeal, but also the credit implications it could have on my credit history. While XXXX may not take {$56.00} and a credit report seriously, I do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Statebridge Company
State: TN

Complaint narrative:
I have not been satisfied by the lack of customer service from Statebridge Company. My home sale in XXXX, Tennessee was closed onXX/XX/2018 and both myself and XXXX XXXX of XXXX, Tennessee, requested but never received a letter from Statebridge stating my mortgage loan was Paid in Full. In addition, after nearly three months Statebridge still has not updated my credit reports to reflect this loan had all payments in good standing ; balance paid in full ; and mortgage loan account is closed. This lack of action did not happen with my other mortgage company involved in this home sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I'm resubmitting this complaint because you have not investigated but provided a canned answer 1 ) THE CALL I RECEIVED WAS NOT ABOUT MY LOAN 2 ) STOP CALLING ME ABOUT A LOAN THAT IS NOT MINE 2 ) STOP CALLING ME AT THE NUMBER YOU CALLED FOR ANY REASON. As you know, if a consumer says, " stopped calling me '' you have to stop, and again, you were not contacting me about my loan. In your response you said my loan ( yes I have a loan with you, but again, the call WAS NOT ABOUT MY LOAN ) is past due - IS NOT ACCURATE. Again, after using abusive language your representative determined that she called the wrong person. Investigate this and do not provide me with another canned answer. 

Here is the original complaint. 

-- -- -- On XX/XX/XXXX and XXXX I received calls from Navient to my business line. I returned the call on XX/XX/XXXX and realized It was Navient 's attempt to collect a debt. While I do have student loans with Navient they are being paid and not in default. I was previously contacted on my business line on XX/XX/XXXX about the debt. I went through the prompts and the woman realized that they had called the wrong person. I asked her to not call my business line again and she obliged. So when I got the call in XXXX I was surprised. When I spoke to the woman I immediately said, I asked you not to call this line. She immediately went on the attack and threatened to sue me ; I explained to her that I'm not even who she was looking for. Again, she used very abusive language but when she went through all the identifying information, she realized ( as I tried to tell her ) it wasn't me she was looking for and then she hung up. I called Navient customer service to complain and ask that my business line not be called. Apparently they have no real process for this and could not identify who to call. They said call the person who initially contacted you. It was a direct dial to that person so I'm supposed to complain directly to the person that's the issue? I was told to leave a message asking for a manager to call me back. I've been calling for a week with no answer and no response. I want them to 1 ) not call my business line 2 ) stop calling me about a debt that's not mine 2 ) be fined for continuing to call a number I asked them not to. The person at issue is XXXX XXXX or XXXX her direct dial is XXXX. I spoke to her the morning of XX/XX/XXXX around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
THIS ACCOUNT WAS REPORTED FRAUD XX/XX/2018 AND WAS CLOSED, ANOTHER ACCOUNT WAS REOPENED. THIS ACCOUNT WAS REPORTED FRAUD AND SHOULD NOT REPORT ON CREDIT REPORT. XX/XX/XXXX I HAVE SPOKEN WITH XXXX AT XXXX AND XXXX HAVE INFORMED ME THE ACCOUNT SHOULD HAVE BEEN REMOVED MY CREDIT REPORT AGENCY AND SHOULD NOT HAVE APPEARED. XXXX HAVE INFORMED ME SHE WOULD NOTIFY ALL BUREAUS TO HAVE ACCOUNT 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 2018-11-16 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: VA

Complaint narrative:
On XX/XX/2018 I mailed Lexis Nexis a certified Mail letter disputing a degrogatory/ negative public record on my Lexis Nexis report. It states I have a Bankruptcy, and I was disputing that. I again requested my Lexis Nexis consumers report, and they not only did not place that record as disputed by the 30 days the law and my rights state they have they did not reply back to me at all, and have neglected their obligation as a reporting agency to do so per the laws, and rights you set before them, as well as Fair debt and reporting agencies have to do. The information they are reporting is not accurate, and has affected my life tremendously. Their enormous fabricated record keeping has slandered my name, and as my letter stated I would handle that to the fullest extent. The only response I received was someone elses information which violates their rights as a consumer with very personal, and sensitive information that had I been a thief I could use against them. I have included pictures of my letters, can prove their record keeping skills are absolutely horrendous. They sent someone elses information to me, and expect me to set tight while they do the same to me, and continue reporting false info about me to perspective jobs! I will not have it, and demand the laws in place to protect myself, and my rights are utilized in such an instant. I lost I very good Job Opportunity based on their poor reporting practices, and have no filed all complaints my letters told them would take place due to this dafamation of my character. CC to the XXXX CC to the Attorney Generals office of my state and their state. Please hold them accountable for their many violations of my rights, and hold them to the laws you set behind to protect consumers such as myself!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Investigation results were wrong account still has not been removed from my report. The account of XXXX XXXX is not mine but is still on my report.

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 2018-11-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I reported an error & requested an investigation on my Experian & XXXX credit report related to an account with XXXX XXXX XXXX XXXX for the amount of {$330.00}. This account was for a hospital bill that belonged to my son and clearly states his name on the original document. They have refused to remove the item and/or re-investigate the account. I have even provided documentation and notified the original place of the bill to have my name removed from the account. Nothing has been done about this negative item on my account.

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 2018-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
I received a voice message from XXXX that said that I was being served if I did not comply with the matter. Unsure of the matter, I called the company. They said HSBC had an open case against me and asked if my name was " my accurate name '' getting caught up in the moment, I confirmed my name. They then asked if four digits were the last four of my social security number. They were not however I now believe that I implicitly gave the scammers valuable data against myself. Please be careful when anyone contacts you from a number not known.

Company response to consumer: Closed with explanation