vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My account has been limited since XX/XX/2017 and I have not had the ability to withdraw the {$24000.00} that is remaining in the account.

My account has had XXXX  credit card chargebacks at any time and I have XXXX open disputes and claims. There is no justification for holding {$24000.00} since XX/XX/2017.

I am respectfully requested that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service.

I received the response that is coming from Pay-Pal. Their notion of, and hiding behind PayPal 's user agreement ( " User Agreement '' ) Is considered even in our courts as " STATUS QUO '' and they know that, no person as we all know are reading any of that with any company, if yes nobody will ever finish and nobody will ever sleep since every minute we go from one site to another to buy merchandise. They ( Pay-Pal ) are such a high sophisticated company, they had their choice at the time of the transaction, like any other company, to deny the transaction ... I see they have such a detailed history, letting the transaction go through and than keep the consumers money for no good reason, just to have free money, that not only they don't pay interest on it, nor do they pay TAX on it, and the financial burden people have to suffer is hard to describe in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I requested several times to speak to somebody about my federal loans, and I kept getting referred back to the private loan sector of Navient. I requested to speak to another individual the second individual was equally as uncooperative and rude and insisted that I had to pay my private student loans and that was the thing they were talking about and they were not concerned with the federal loans even though I was requesting to speak to somebody about federal student loans, and afterwards I then requested to speak to a supervisor she was very rude to me. She suggested that I get another job. That I had to pay those loans she threatened that my paycheck would be taken away for me. They have been nothing but rude to me about the private loans and have never offered to give me information about federal loans even though I have asked several times to be redirected to speak to somebody about federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I had a lease with XXXX  that started in XX/XX/XXXX for 40 months.

In XX/XX/XXXX, we have made a payment through XXXX XXXX XXXX, but apparently it had not gone through.

I am not sure if they have called to remind me of being late, but I always check my voicemails, and they never left me one.

Once I discovered that was late I made a payment right away.

When I realized that the account was reported to the Credit Bureaus as delinquent ( my lease had matured by then and I had told them that I would not be getting another XXXX  ), I called them and tried to straighten it out. They were extremely rude and unsupportive.

I filled a couple of claims with XXXX, but not successful.

I have never been late with XXXX or anybody else ever, my credit score has always been high and this negative inquiry is really affecting me now.

I also feel very disappointed when there is a " he says, she says '' kind of situation, that XXXX   would take the side of the large corporation rather then the consumer!!!

I really appreciate your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I have respectively contacted XXXX and the collection agency over and over again about an account that I have not opened. I have never had XXXX. Therefore this account shouldn't be on my report. They sold this account to Diversified Consultants and they are claiming that this is my account. I have asked XXXX to also send me proof of any contracts that I have signed or anything that they may have that could verify that it was me that opened this account. As of XX/XX/2018 I have not gotten any paperwork or anything else stating that I opened this account. I want this account removed from my report. They know it's not mines this is why its only on one report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/2018 Bank of America charged my account eight {$35.00} overdraft fees for items that were paid. My account balance was not overdrawn for a single one of those charges. This is not the first time this has happened.

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 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received an email from Wells Fargo on XX/XX/XXXXstating my XX/XX/XXXX mortgage payment was past due. I have always paid my monthly payment in two payments for example, a payment around XX/XX/XXXXand another around XX/XX/XXXX the combined total equaling the full amount for the XX/XX/XXXX mortgage payment. When I called, I was informed portions of my payments for several months had been getting applied to the principle balance and not towards my monthly payment ( the amount was never the same and it was also never the full payment I sent in ). For example if I sent in a payment of {$900.00}, {$140.00} of that was applied to the principle and not my monthly payment. Over months this has added up to an entire missing payment of {$2100.00}. Wells Fargo stated this was the risk I take by paying in two payments and that they can not correct the payments as it has been over 90 days, even though I did not know this was taking place until XX/XX/XXXX. I have made this full payment and they are now asking for another payment for XX/XX/XXXX. I have reviewed the statements and there is no mention that payments must be made in one single, full amount or that there is risk of payments being miss-applied if they are sent in separately.

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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been receiving frequent calls on my job from Capital One and I have ask them politely not to call my job because I can get in trouble but they continue to repeatedly harass me. They have my personal number they can leave message on my phone but do not call my job it interferes with my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
My mortgage was sold on XX/XX/XXXX. My former mortgage company auto-debited a half payment on XX/XX/XXXX. This payment was debited for a closed mortgage account. The bank was not authorized to take this money. The bank sent me a letter in XX/XX/XXXX notifying me that the mortgage was being sold and that the auto-debit would stop.

I contacted the bank. The person on the phone agreed that this payment was not authorized and is sending to a " transfer '' department. It takes three to five business days for the department to review the activity.

The bank was not entitled to the transfer. The bank lacks the internal controls to ensure that payments are not auto-debited from closed accounts. The bank will not process a refund immediately. The payment was in excess of {$2300.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I have had this account removed over 3 times within the last year. XXXX keeps selling this account to different collection agencies. Once one remove it they sell it to another company. This is not my bill and I will not be paying it. I know its against the law to keep putting this on my reports then changing the dates that this account was open. They are reporting that this account was opened XX/XX/2018 and never paid. I have has XXXX XXXX for years and it can be proved.

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 2018-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I consolidated my student loans and called Navient to begin making payments. I was given the PA address to send my payment to which was not the correct address for XXXX XXXX XXXX XXXX  loans. My payment was pulled from my bank account onXX/XX/XXXX and cashed by Navient on XX/XX/XXXX. I noticed it was not on my account and I called Navient to inquire. They stated they could not find the payment but I could submit my bank statement showing the payment was sent and cashed. I did this and did not hear anything back. I called again about 3 days later and I was told the request was sent to the payment department. The payment has still not posted and I call them daily. I was then sent a letter from Navient that my payment was located and sent to the wrong address. The letter did not state what they were doing with my {$400.00}. I called again and I was told the Treasury department now has the money and it would be applied to my account on XX/XX/XXXX. Today is the XXXX  and the payment is not there. I can not sign up for bank draft on their site because it still shows my account past due. I called them morning and was told another person at Navient would call me to discuss what is happening with my account. I was directed to their voicemail to leave a message and my number. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: AR

Complaint narrative:
I received a alert yesterday that a collection has been place on my credit report. I called midwest recovery systems and they state i owe a payday loan from XX/XX/XXXX. I never heard of the the company they stated i got the loan from ( XXXX XXXX ). I have not received any documentation about owing any money to anyone. They are suppose to send you by mail a bill or collection of debt attempt and then wait 30 days before they report to the credit agencies. This was not the case ; I have received nothing. The statue of limitations for collections in Arkansas is 5 years ; this is from XX/XX/XXXX. I think it funny how i haven't been contacted about owing money but 7 years later i owe something. If you XXXX midwest recovery systems all you read about is fraud warnings and scams and i think that is whats happening here. Per my lawyer our official complaint is : Midwest Recovery Systems has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: NE

Complaint narrative:
I have contacted this company twice and they refuse to correct the errors on my report. They are indicating the information is accurate. The 2 other credit reporting agencies have corrected my report. I have asked them to remove incorrect names on my report.

XXXX XXXX XXXX - This is incorrect I have no knowledge of who XXXX XXXX XXXX is nor have I ever been related to or associated with any with this name.

XXXX XXXX XXXX - This is an incorrect spelling of my last name.

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 2018-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Transferred {$5000.00} to my coinbase account. They refuse me access to my account and refuse to allow any communication to someone in charge. Lower level employees tell me my issue has been escalated to the next level and resolution is coming. It has been over 6 weeks now and I am still unable to get answers as to where my funds are. I am still unable to communicate with anyone having knowledge of the issue or how to resolve it. Coinbase 's actions is simply stealing money from its customers. In the meantime the market has been extremely volatile and I have been losing value on my account.I have absolutely no control of my account and I am unable to withdraw the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AR

Complaint narrative:
I have submitted several or more applications with Bay view Loan Serving LLC., a servicing loan co for my mortgage, and each time they have classified my application as incomplete, not on time, and missing. I have compiled with their request to complete the applications each time, and return to them within their time frame requested. I am still receiving replies from Bay view Loan serving that the applications are still incomplete. This has been repeated process from XX/XX/XXXX and continues to, ( XX/XX/XXXX). My mortgage balance is XXXX and I am paying a mortgage note of {$1100.00} monthly, with an interest rate of 8.3 %. I am retired, XXXX and a XXXX  patented. I have borrowed from relatives in helping to complete the mortgage payment, but still behind a payment every month. I have submitted hardship letters in my behalf, to support my application for modification to Bay view Loan Servicing LLC ... Customer is assign to asset manager who state in their letters that they are available if and when needed, but the asset manager are never available. The caller is put on hold for hours and never gets to speak with the person whom he or she assigned or is asked to leave a message that is never answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: CA

Complaint narrative:
Personal information was stolen back in early XX/XX/2016 and since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.

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 2018-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
The issue o have is not with the medical provider, XXXX XXXX, rather it is with the debt collector, Transworld Systems Inc ( TSI ).

I had a balance due for XXXX XXXX in the amount of {$20.00} for services in late-XX/XX/XXXX. That amount was paid to XXXX XXXX on XX/XX/XXXX.

On it around XX/XX/XXXX, I received a letter from TSI datesXX/XX/XXXX noting this bill had been sent to collections. Upon contacting XXXX XXXX, they showed no balance due and sent me a receipt of payment from the payment made XX/XX/XXXX.

I then tried contacting TSI numerous times between XX/XX/XXXX and XX/XX/XXXX originally at the number on the mailed letter ( XXXX  ) and then through a number on the TSI website when 5 calls to the printed number ended up in a disconnected call due to a mailbox being full. When I called the number on the TSI website, I was transferred to 2 different agents who both told me they couldnt access any XXXX XXXX   accounts and they tried to give me the number that Ive been trying to call for the last week. I asked to speak to a supervisor and The agent at TSI was unwilling to do anything other than give me the number I already had that wasnt able to connect to anyone.

This is highly frustrating likely fraudulent business practices that have now taken me over an hour of time to attempt to address. Please make sure TSI doesnt do this to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: CA

Complaint narrative:
Personal information was stolen back in early XX/XX/2016and since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.

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 2018-04-18 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: CA

Complaint narrative:
Personal information was stolen back in early XX/XX/2016and since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I purchased concert tickets on XX/XX/XXXX with a shipping method of 3 days. The email I received from XXXX  said I would receive my tickets in 3 business days. My card was charged on XX/XX/XXXX according to my billing statement. When I didn't receive the tickets after 7 days I requested a refund on XX/XX/XXXX based on my rights under the FTC 's Mail Order Rule, which states " The Rule also requires that, when a seller can not ship within the promised time, the seller must obtain the buyers consent to a delay in shipping or refund payment for the unshipped merchandise. '' XXXX  refused to cancel the order. The moment they refused to cancel my order it became an unauthorized transaction. I received my tickets 11 days after the promised shipping date. I again requested a refund via XXXX. I then opened a dispute on my card card 14 days after the charge. Bank of America took 60 days to tell my their decision, which was that XXXX  provided prove the order was delivered. However, I believe this order should have been canceled under my rights as a consumer based on the FTC 's Mail Order Rule. I then called BoA once again and they refused to reverse the transaction. I've filed a XXXX  complaint agaisnt XXXX  and Bank of America. I've also filed a complaint with the Department of Consumer Protection for the state of Connecticut and an a FTC 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