vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
A few weeks ago (X/XX/2017)) I got a letter from a collection agency telling me that my creditor for my student loan wanted the full amount that I owed them. The last time I heard from this company was in XX/XX/XXXX stating that I owed them $XXXX, which I paid. I have also been paying them regularly ever since. The letter told me that the account was placed in collections on X/X/2017, however I never received any written notification (either by email or regular mail) of the company's intent or options available to me to collect the money owed to them. The letter doesn't even tell me the original company that gave me the loan, therefore I cannot even contact the company to talk to them about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Hello. My account on PayPal has been placed on restriction. I have sent them the documents they asked for but responded that my account would remain restricted for 180 days at which I could than withdrawal my money. PayPal contacted me on XXXX XXXX 2017 and then again notified me after receiveing documents my account is still restricted for 180 days on XXXX XXXX 2017. The ammount they are holding and won't let me withdraw is $XXXX. I have sent emails to PayPal asking to handle this problem and after doing a lot of research have found reaching out to them is no help. So I now look for your help to help my buisness keep its good name and my customers receive there product. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I paid my bill on time using a company 's online website. They showed that i made the payment on time but then the payment was never received and they now have a 30 day late pay on my account. This company is also always misreporting my account balances to the 3 credit bureaus as being higher then what they should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-04 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I tried paying my bill using their website. It showed that my payment went thru but 30 days later i got notice that they never received my payment and put a 30 day late on my credit report. i immediately called them and paid the bill and never used their website again to pay my bill but the 30 day late is still on my report and has damaged my ability to get the best rates on home and auto loans thru no fault of my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Several inquiries on my credit report which I did not authorize and/or recognize. Please remove these unauthorized credit inquiries immediately. 

XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/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 2017-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Multiple out of the country fraudulent charges occurred in my Citibank checking account. I filed a dispute and lost the claims, then a string of fraudulent cash withdrawals occurred and anmyriad of fraudulent transactions followed. I filed claims lost each XXXX and the forced a hold on my account freezing funds denying all claims and have prevented me from speaking with anyone saying it 's confidential information. I 'm out in excess of {$7600.00}!

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 monetary relief
Consumer complaint received 2017-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX fl XXXX has been in foreclosure off and on for 4 years The mortgages total over XXXX and the unit has been molded out due to banks failure to maintain it. There is XXXX in condo fees unpaid. The bank is paying the taxes. This is a miney loser for the banks so they are not going to finish the forclisure. They do not respond to inquiries. This is harmful to the neighbors - mold and the associations financial stability. 
We want the bank to cancel / void the mortgages and deed the property back to the association. They XXXX and the association wins. The owner left town. Can you help? 
XXXX XXXX. Board member of XXXX XXXX. 
The following banks are involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KY

Complaint narrative:
Fair Collection and Outsourcing, Inc did not investigate and verify with the original creditor the amount that was owed. They send me a bill instead and forced me to pay it. This alleged debt was from an apartment complex. Up to this day, this company refuses to verify the correct amount owed to the original creditor. I since then made contact with the original creditor and they can locate any balance owed. 

This company needs to be investigated about its practices. They are violating FCRA.

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 2017-09-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Several inquiries on my credit report which I did not authorize and/or recognize. Please remove these unauthorized credit inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Several inquiries on my credit report which I did not authorize and/or recognize. Please remove these unauthorized credit inquiries immediately.
XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/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 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Company at center of complaint : XXXX Issue : I received an email notice from a debt collection company about a XXXX bill from when I closed my account. How did my bill get to collection when I have gotten not one email or piece of mail from XXXX  about my account and its remaining balance if there was one. I have no issue paying my bill, but to ruin my credit when Im trying to rebuild it without notifying me I owe them is a problem. They need to undo this collections and allow me to pay them fairly. I called to resolve the issue three times and they have either told me they will transfer me to a manager and send me to their voicemail, complain that the line is bad and that they will call me back or put me on hold and the call magically drops.
Customer with complaint : XXXX 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 2017-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
My mortgage got sold in XXXX of XX/XX/XXXXto Carrington. When it got sold i was behind on payments. I contacted Carrington in XXXX of XXXX to ask them what would bring my account current. The lady told me {$2000.00} would bring the account current. So i sent the XX/XX/XXXXas well as the XXXX payment. Now they are telling me that im behind one full payment plus late fees. When i questioned this they cant tell me why because their computers dont go back that far. They can only see two years back and that i would have to speak to the research dept to clear it up. I asked to speak with the research dept and i was told that they dont take phone calls.So i cant talk to anybody to try and straighten it out or get answers. It is so frustrating not being able to get any answers. Im not going to give them any money unless they can tell me why im late. As of right now, they cant answer that. I gave them the XX/XX/XXXXback in XXXX to make it current but they didnt do something right which makes me uncertain about giving them any more money. They keep telling me that my payment for the first of every month is getting applied to the month prior so now i have alot of late fees. They cant tell me why im late in my payments and i dont what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I started a new account with Coinbase.com last week and made three transactions betweenXX/XX/XXXX last week. Here are the Transfer IDs : XXXX XXXX XXXX XXXX XXXX XXXX for {$1500.00} XXXX XXXX XXXX XXXX XXXX for {$380.00} XXXX XXXX XXXX XXXX XXXX for {$320.00} Immediately after making these transactions, Coinbased closed my account with no explanation. These transactions are showing in my bank as posted ; however, I can not access any of the coins or the money in Coinbase as when I login it shows my account is " in the process of being closed ''. I ca n't access anything further, so they 're currently holding all of my money with no way for me to resolved the issue. I have tried reaching out to them via email, XXXX, and their customer service form feature on their site. Nobody has responded.
I 've asked they return my coin purchase money ( {$2200.00} ) + trading fees ( {$33.00} ), so {$2200.00} total immediately with no response. I 've asked them to call or email with any questions on what I need to do on my end to help resolve this and get my money deposited back into my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: OR

Complaint narrative:
on XX/XX/XXXX i contacted tye Enhanced Recovery Corporation and gave them the information to my bank account to clear my debt with them. on XX/XX/XXXX I contacted the company again to verify the payment had been made. i was informed that the payment had gone through and the debt was satisfied. on XX/XX/XXXX I was contacted by them again and told that the account had come back with non sufficient funds. 22 days after being told the payment had cleared. i then contacted them again on XX/XX/XXXX and had a manager yell at me and tell me that the account used was fraudulent. this was almost a month after being informed that tye payment had been processed and the debt was cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
Hi, I was a telephone subscriber through XXXX XXXX with the account number ( Account : XXXX ). On XX/XX/XXXX, I cancelled my account ( single phone only with one number ) with XXXX XXXX after ensuring that all balances were fully paid and that any remaining equipment as per the terms of my existing lease was returned. I ported my number to XXXX XXXX and have used that service to this day.
In XX/XX/XXXX, I received a letter from XXXX XXXX letting me know that I owe them {$240.00}. Upon contacting customer service I was informed someone reactivated my account on XXXX XXXX and obtained a phone.I did not authorize this and had no knowledge of this action as I had already ported onto another service and no longer even had a XXXX XXXX online account to even confirm these findings. To stop any further transactions as a result of financial identity theft I immediately asked for the account to be re-closed and asked XXXX XXXX to start a fraud investigation. Upon their request, I also filed a report with XXXX Police documenting the theft of my financial identity ( REPORT NUMBER : XXXX ) XXXX XXXX then claimed that they believe someone who was previously on my account before its closing may be responsible and demanded that I produce a police report naming them to let this fraud be not deemed my responsibility. I contacted XXXX police and they informed me that since for me to file a specific complaint such as demanded by XXXX XXXX, I would need to know where the fraud happened and when. Despite numerous calls to XXXX XXXX to resolve this matter they have refused to give me this information and then subsequently passed the account which has ballooned to over {$800.00} now onto a collections agency called Receivables Performance Management.
I contacted them too to give them the information in XX/XX/XXXX I have detailed above, but was recently surprised to see that they have reported negative information to two different credit bureaus - XXXX and XXXX at this time and a loss of XXXX points on my XXXX XXXX. I am opening disputes with both of them to address this issue.
I am requesting that this debt be cleared from my name as I have not authorized it in any fashion and have been a victim of financial identity theft. I am happy to work with XXXX XXXX or the collection agency to file additional reports if needed but request a path to ensuring my financial record is not damaged due to no fault of mine. 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 2017-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
About four years ago my wife and I filled for chapter XXXX bankruptcy. This mortgage collection company took over our mortgage, specifically called Fay servicing out of XXXX Texas. They have made it almost impossible to work with them. They wo n't take our payment unless we call them and set it up each month. They seem to have trouble keeping track of payments made. Always saying we owe them money, when in fact we do n't, we have to keep showing them our bank statements that they collect the money them selves. Our bankruptcy attorney has to alway contact then, so they can talk to us over the phone. They keep adding bogus charges to our account, then they wo n't discuss the reasons why they are charging us. Now for two months they wo n't take our payments. Because they say we owe them {$2000.00} for some unknown charges they conjured up again. We checked the reviews online and everyone dealing with this company has troubles with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a credit card when I was XXXX and was not smart with it and ended up oweing XXXX XXXX around {$28000.00}. Went to court for it about 9 years ago and made payment arrangements. For 9 years I paid them and got the bill down to about {$20000.00}. One day my balance was all the way down to about {$9000.00}. At this point I was glad to be able to pay it off so I settled with the for {$7200.00}. I was never given a reason for my bill dropping {$11000.00} over night. I feel that I might have been taken advantage of at one point. I would like to know if anything Illegal was done. I feel I might have been taken advantage of. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: GA

Complaint narrative:
Im a victim of identity theft and have had a fraudulent credit card account opened in my name with a company by the name of XXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent credit card account, and it is documented with the XXXX police department that, Im a victim of identity theft. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent credit card account being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files, and out of my name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I just explained the situation on previous page.Chase bank fraud dept.has declined my claim for UNAUTORIZED AMOUNT OF MONEY .This was not in any way a mistake on my part these people stole from me.I sent a copy of my reciept to you.My bank statement has XXXX UNAUTHORIZED CHARGES FROM THIS PLACE THAT IS NO LONGER THERE AFTER JUST 3 WEEKS as i went there myself to confront these guys for stealing from me.These guys charged {$2000.00} that was UNAUTHORIZED AND I WILL NOT JUST LET THEM GET AWAY WITH THIS.Chase has no reason for me why they denied my claim just that they wont reopen it or start a new claim.I will file a police report against these crooks at the very least.I have now seen what this company is all about now that this has happened and they stole my money it was NOT AUTHORIZED and Chase Bank has not protected me instead they are allowing them to steal from people.I will close my account with Chase tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I used care credit which was purchased by SYNCB. I used the card with a XXXX  .I was told that the clinic was a member of my health network .I agreed to pay for a XXXX with a charge of about 1200.Before the XXXX arrived I found out that the XXXX office was not in my network and the price was almost twice as much.I contacted them to cancel. I explain that the price was too much and that I would use my benefits within Network. I went to an In network XXXX and paid 700 to 800. I contacted them by phone and in person before the XXXX arrived. I tried to convince them to return the XXXX which could be broken down.I do n't want to pay for a service/product that I did not receive. Had they been honest in the beginning and told me that they were not in my network..I would never have agreed to purchase the XXXX.
SYNCB made a minimal effort to contact the XXXX clinic. Basically I was told to work something out with the XXXX clinic..
SYNCB also on a monthly basis makes an average of 5 /4 inquiries a month every month on my credit report which seems to be excessive.

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