vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX XXXX, 2017 there was unauthorized activity on my paypal account. There were two attempted transactions to XXXX XXXX  with email address of XXXX. The initial transaction of XXXX was completed while the second was tagged as fraud and I was notified via email. I immediately called in within seconds of receiving this notification and informed paypal this indeed was not authorized and proceeded to change my login credentials while on the phone with their agent. They informed me they would put in a case for this transaction and the funds should be returned. Why one transaction was allowed and the second was tagged as fraud the agent was unable to explain. However, the fact is paypal recognized one of the transactions to this person as fraudulent automatically. So It came as a shock on XXXX XXXX, when I received notification from paypal stating We have reviewed this transaction ( s ) and are denying your claim ( s ). This decision was made because this transaction was not unauthorized. How they came to this decision is beyond me. I called in within seconds of being alerted of the transaction and identified it as fraudulent and paypal halted a second transaction to this same person, finding it fraudulent.
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Furthermore paypal also states You also previously appealed this case and it was denied. The appealed case ID is XXXX. However, I never appealed the case, I only reported it once and was waiting for their investigation to complete. This is the first and only news I 've received from paypal regarding this.
<P/>
I am attaching the two emails I received. First the one notifying me I had appealed the case previously. Then the email notifying me of the results of the initial investigation afterwards. How could i have appealed the decision prior to even receiving the results of the initial investigation?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
1.BANK OF AMERICA MASTERCARD XXXX XXXX XXXX XXXX UNLAWFULLY TAKES PAYMENT OF $ {$23.00} BUT REFUSES TO CREDIT PAYMENT WITHOUT CAUSE OR REASON. FINE BOA.
2. BOA DEMANDS AN EMAIL ADDRESS BUT REFUSES TO PERMIT EMAILS TO IT. ANOTHER HYPOCRISY. NO EMAIL ADDRESS FOR BOA. I GOT FOLLOWING MESSAGE There was a problem processing your request.
We are currently unable to deliver your Online Banking Alerts to the primary email address we have on file. To correct this problem, please visit the Profile & Settings page and update your information.
SO LONG AS I CAN NOT EMAIL BOA, BOA WILL NOT GET AN EMAIL ADDRESS FROM ME.
3. BOA REFUSES ME TAPERECORDING THEM BUT THEY TAPERECORD ME ON PHONE CALLS. WHO SAYS BOA CALLS THE SHOTS?
<P/>
BOA IS ANTISOCIAL. BOA GIVES THE LEAST REWARDS AND GIFTS AND POINTS BUT SUCKS OUT THE HIGHEST FEES JUST LIKE MBNA.
BOA PARASITIZES. BOA REFUSES TO LEND STUDENT LOANS BUT IS AT THE FOREFRONT OF FORECLOSING. A TRUE PARASITE.
NO OTHER BANK MAKES APPOINTMENTS WITH BANKERS FOR CLIENTS. BANKERS WHO GIVE THE LEAST SERVICE. THERE IS NO NOTARIZATION AVAILABLE AT PARK AVENUE SOUTH BOA.
BOA IS A TRULY PARASITIC ANTISOCIAL INSTITUTION WHICH PREYS ON THE POOR WITHOUT ANY REDEEMING SOCIAL CONTRIBUTIONS. ITS ALL TAKE, NO GIVE.
BOA DOES NOT DEFINE STANDARDS NOR MAKE THE LAW TO SUIT ITS STOCKHOLDERS. IT IS SUBJECT TO SCRUTINY. BRING BACK GLASS STEAGALL.

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 2017-07-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Total Current Balance : {$64000.00} Loan Due Date Amount Status Auto Pa y 1-01 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-02 Direct Loan - Unsubsidized XX/XX/XXXX /2017 {$0.00} No Payment Due 1-03 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-04 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-05 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-06 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-07 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-08 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-09 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-10 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-11 Direct Loan - Subsidized  XX/XX/XXXX 2017 {$0.00} No Payment Due 1-12 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-13 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-14 Dir ect Loan - Unsubsidized XX/XX/XXXX /2017 {$0.00} No Payment Due Total Current Balance : {$64000.00}  XXXX  College started at :  XXXX , they add a additional  XXXX  prior to starting payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
A retail card was open in my name I never opened this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: MI

Complaint narrative:
On XXXX XXXX I received an alert that I have a collection on my report. I never received a call or letter from franklin collection service. I called the agency they stated it 's from XXXX for service I never received. I leased my home for 3 years and during this time I became a victim of identity theft. I submitted a dispute to the creditor they reported it again as a new debt. I also checked this collection agency is not authorized to collect debt in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Yesterday I signed up for a company called XXXX XXXX and it verified my bank account and everything, when I go to work today I should be able to start receiving money from them if I so choose to, which being extremely low income I desperately need to do from time to time by just a few dollars here and there so I do n't need to overdraft my account. My bank which is citizens bank of PA is not partnered with this company so apparently they just want people to overdraft their accounts if they desperately need gas, or toilet paper so they can get the XXXX dollar fee. This company XXXX would be a huge help to customers in keeping them from paying those fees to banks. Me myself I can personally attest to how much this company would help people like me. I just was paid yesterday and my entire check went to coolant for my car, oil for an oil change, rent, and everything my XXXX year old needed and what my XXXX XXXX olds daycare requires him to have and as this is his first day of daycare today I needed a lot. I do n't have the money for gas to drive my XXXX year old to her daycare in moon for an entire week, I do n't have money for gas for work, I 'm at 1/4 of a tank my car is a gas hog until the oil is added and coolant. The only reason my bank has not joined with this company is to get the fees charged from having to overdraft when this application will eliminate the need for that. I feel all banks should be required to join with companies like XXXX to help eliminate fees being paid to institutions as people wo n't need to overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
For over 3 years I have been trying to get Citibank to determine what happened to an IRA distribution. It I am the executor of the account and one of the beneficiaries on the account. This problem has existed since my mother was alive and the account was transferred from my late fathers account. All I get is run around and people with less knowledge of IRA 's than me. I have been told that I need to close the account to find the money that they can not find. In the mean time they made 2 additional distributions. They claim that they found the XXXX  and XXXX but not the XXXX distribution that they did not bother to look for ; however, I have not received any written notice of this. I have also been told that they will deposit the missing monies into the account that they wish to close. They also refuse to change the account number as the mail is going to an address that we no longer live at. It has taken 2 years to get the account into my moms name from my deceased dad as they keep on loosing the paperwork that was dropped of at their office and it was finally repaired before she passed away, but not the address. I have made at least 12 calls about this and each time I get an employee with less knowledge and all in the IRA department are not willing to do their jobs and find it and most do not return phone calls but claim that they will in 24 to 48 hours. At this time I am not even sure if this goes back further,

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 2017-07-12 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: NC

Complaint narrative:
I filed a dispute with Equifax and XXXX on XX/XX/XXXX, to show that XXXX has deleted certain accounts, I also provided the letter to prove that those items was deleted off my report. I have not heard anything from XXXX at all and I have disputed more items beginning in XX/XX/XXXXof this year. Equifax have n't responded either. the items are still reporting on my report. i have asked both agencies to give me there burden of proof of the info and people who verified the account. neither has giving me that info. all of my accounts are frozen until this matter is resolved. please delete the items off my acct XXXX has already done so. if they could n't verify, neither can you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12 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: NC

Complaint narrative:
I filed a dispute with XXXX and Experian on XX/XX/XXXX, to show that XXXX has deleted certain accounts, I also provided the letter to prove that those items was deleted off my report. I have not heard anything from Experian at all and I have disputed more items beginning in XXXX  of this year. XXXX have n't responded either. the items are still reporting on my report. i have asked both agencies to give me there burden of proof of the info and people who verified the account. neither has giving me that info. all of my accounts are frozen until this matter is resolved. please delete the items off my acct XXXX has already done so. if they could n't verify, neither can 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 2017-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
CITI CREDIT CARD COMPANY LOWERED MY CREDIT LIMIT BY {$500.00} STATING THAT I WAS LATE WITH " ANOTHER '' CREDIT CARD COMPANY. FIRST OF ALL, I HAVE NEVER BEEN LATE ON ANY OF MY OTHER CREDIT CARDS AND I HAVE QUITE A FEW OTHER CARDS WITH OTHER COMPANIES. SECONDLY, EVEN IF I DID HAVE A PROBLEM WITH ANOTHER CREDIT CARD COMPANY, WHAT DOES THAT HAVE TO DO WITH MY CITI CREDIT CARD? I HAVE NEVER BEEN LATE WITH MY CREDIT CARD PAYMENTS WITH CITI AS LONG AS I 'VE BEEN WITH THEM. ACTUALLY I ALWAYS PAY MY BILL WITH THEM EARLY. I BELIEVE THIS IS A DISCRIMINATORY ACT ON CITI 'S PART WITH LOWERING MY CREDIT LIMIT. BECAUSE CITI HAS LOWERED MY CREDIT LIMIT, MY CREDIT SCORE TOOK A 25 POINT DECREASE.

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 2017-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: MO

Complaint narrative:
I was on contacted on  XXXX   XXXX  at  XXXX    XXXX   from a representative for  Professional Credit Management  (  XXXX  )  XXXX   XXXX , AR about a medical debt. I informed  PCM  that I am not responsible for said debt, that I have a court order from my divorce settlement stating any prior and future medical bills for the children are the responsibility of my exhusband. It was then tha t PCM  told me they do not pay attention to or obey court orders and I was responsible and would be reported to the  XXXX  credit bureaus as deliquent and sued for the debt.   XXXX  I was not aware that debt collectors could pick and choose which laws and court orders they had to obey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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 have been smart rate shopping for a mortgage which has damaged my fico score. I requested in writing that some of the hard pulls be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
The following actions were violations committed by Patenaude & Felix. After a judgement was ruled in my favor against them, they submitted an Appeal containing documented proof of violations under the Fair Debt Collection Act.
1 -- In Patenaude & Felix, A.P.C. complaint listed as # 1.
Listed XXXX XXXX as the plantiff however Prior to my contacting them, XXXX XXXX claims to have had no prior knowledge of the Civil Action.
2 -- In Patenaude & Felix, A.P.C. complaint listed as # 3.
Claims to have attached and submitted into evidence a true and correct copy of the Account Agreement listed as " Exhibit A '' in files attached. However the attached contract is unsigned and incomplete, and this is a XXXX/XXXX XXXX contract. My account was opened in XXXX of XXXX and XXXX XXXX was not formed until XXXX XXXX. Knowingly submitting false evidence to the court is not only a violation of consider rights, it is against the law. XXXX XXXX signed that all documentation was true and correct and that he acknowledged submitting false documents is an illegal act.
3 -- Patenaude & Felix, A.P.C. filed action against me in the District Court of XXXX XXXX, Pa, however at the time the Action was filed I was a resident of XXXX, Pa which falls in XXXX XXXX XXXX District. This is a violation of the Fair Debt Collection Act.
4 -- Patenaude & Felix, A.P.C. performed multiple hard pulls of my credit report which nwgatively effect my score.
5. Initial Contact from Patenaude & Felix was in the form of a Civil Action notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
For the billing period  of  XX/XX/XXXX  we had sent an electronic payment on  XX/XX/XXXX  and the funds were received and deposited by Ally Financial on  XX/XX/XXXX . They claim that the account number was left off the electronic payment and they did n't know where to apply the payment, so they issued a refund check and mailed it back to our address on   XX/XX/XXXX  making it 30 days late. upon receiving the  the check we immediately sent another payment and called to pay over the phone s o 2 pa yments were made. I have tried disputing this situation on  XXXX   XXXX  and it was denied. I even talked to Ally and was told to write a letter and fax it with bank statements showing that the funds were withdrawn before the 30 day late period. They received everything with proof that they received the funds in time and still denied removing the 30 day late payment on my credit report. We were just about to start the process of buying our first house when this happened and because of that 30 day late m y credit score h as dropped severely.

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 2017-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
I opened an individual Account with discover Card in XXXX. In XXXX  when i married, I went online to Discovers website and requested that they add my wife as an authorized user. My wife did not submit the request ( as it was done online through my account ) and she signed no paperwork authorizing Discover to make her a Joint account holder. With a divorce impending, we are removing each others names from any accounts. I deactivated her card at her request, and thought that it was completed. When i received my statement yesterday, i noticed her name was on the bill. I contacted Discover and their reply is that her name can not come off the account because it is a joint account. Discover has made my wife financially responsible for an account that she never agreed to be responsible for. All I 'm asking Discover to do his remove her from an account that she never agreed to be on. They should not have been able to add her to the account withour her permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
I 'm first unsure about the dates because this has been an ongoing ordeal dealing with Beneficial. About 5 years ago I had a loss in income which cut my salary down to a point I could barely support my family. I have XXXX children and I was seeking modification of a home loan at which I was paying and to this day is still paying at an interest rate of 12.12 percent. When I refinanced with Beneficial about 9 years ago I was very naive about the process and the in and outs of the home mortgage industry. I felt at the time I was uneducated in the process and struggling to understand the benefits and process. I know now that that the person that was working with me was thoroughly taking advantage of me. I spent time trying to consolidate my bills and to try to make just one payment to one company. The person gave me no money for the equity in my house but paid all the credit cards I had at the time off ( which totaled about {$4000.00} ). I had pretty good credit and I do n't understand why my interest rate is so high. Throughout this ordeal I found that I was unable to make my mortgage payment once in two different years and I resumed the payments once I was able to. I asked for modification of the loan each time and asked for help on more than one occasion and the company refused to offer any assistance. I did find on my statement that this company has created some account ( Outstanding Deferred Interest Balance ) and doubled my monthly mortgage each time. There was no discussion with me when this account was created. Along with that my mortgage payment has increased each year based on what is owed on my home insurance which is built in. Each year I get a letter telling me my escrow does n't have enough to cover my insurance principal. The letter tells me if I pay a certain amount my mortgage payment will not change. Well I paid the extra money this year and my mortgage payment still went up. This company has n't been very fair with me over the last 9 years although I have paid in good faith even though I now know I was taken advantage of. I tried to refinance my home mortgage last year and found that I 'm in such a hole with the way they have set me up that I was told that in order to refinance that I would have to bring {$20000.00} to the table to be able to refinance. I desperately need help dealing with Beneficial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL

Complaint narrative:
Charge off of a repossessed vehicle balance increases constantly. Threatened by garnishing wages. Bank account money taken. Thousands in collection fees. Protected by florida head of household. Having sheriff department harass me at my home with civil documents. If I respond there are additional legal fees. Loan is from nearly 4 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: CITIBANK, N.A.
State: TX

Complaint narrative:
CBNA aka Citibank did an inquiry on my XXXX credit report w/out my consent or knowledge. Got letter in mail from my secured Citi acct saying because of excellent payment history it would be converted over to unsecured and my secured funds would be refunded but not once did they state my credit would be pulled I called and inquired several times regarding this now my credit report is showing an inquiry

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