vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC
State: MI

Complaint narrative:
Caller calls atleast 30 to 50 times a day, repeatedly

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 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OpenRoad Lending
State: GA

Complaint narrative:
I put in a dispute about the inquiries on my report that is not me and no proof has been sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Health Corporation
State: KY

Complaint narrative:
I visited the XXXX XXXX at XXXX XXXX around XX/XX/2017 and paid cash for services. I have contacted the doctors office and they have confirmed that I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2018 I paid the balance off on an American Express Credit card. The payment was received before the the due date and I closed the account. I have had a lot of trouble with American Express and decided to just cancel the account and pat it in full. I just received another statement for information interest. I called and customer service explained that it was interest on the account from the time it was mailed until I paid it. I explained that I paid it online and the amount at was paid was the total amount of the statement. This is ridiculous, I have several other credit cards and when they are paid in full on time, there is no interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX opened an account in my name that I didn't authorize and Wells Fargo accepted it on XX/XX/XXXX. XXXX charged my credit card which was given to them by an employee at Wells Fargo and charged me a monthly recurring fee of {$14.00}, then charged my card several times with purchases from different locations in the US through Wells Fargo and XXXX 's stores.

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 2018-04-05 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: Credit Plus Inc
State: GA

Complaint narrative:
I put in a dispute about the inquiries on my report that is not me and no proof has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I put in a dispute about the inquiries on my report that is not me and no proof has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I posted a bed on XXXX  to sell for {$700.00}. This person contacted me via a XXXX  email account and provided a cell phone number to contact them with : XXXX. The deal was that he was going to mail me a check, and I would cash the check. Once the check cleared, he would set up movers to come pick up the bed. He told me that I had to pay the movers for him, so the check he would be sending was for more money then how much the bed costed. I assumed that meant I would pay them in cash. He said he could not come see the bed in person because " he was at distance '' ( he spoke in broken english ). The check was sent using the USPS, tracking # XXXX. Sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX. It arrived on MondayXX/XX/XXXX It was a cashiers check from the XXXX XXXX XXXX for {$2200.00}, and appeared to be real. I deposited it using my Chase Mobile app, by taking a picture. Chase then emailed me that night saying " my deposit had been accepted ''. The funds were made available immediately in my account, so obviously i assumed that meant it had cashed. Then, the person told me that to pay the movers, I had to wire the money to them using XXXX. He told me to wire {$1400.00} to XXXX. My bank, Chase, uses XXXX   for Chase Quick Pay, so I trusted the service and used it. I wired the money and he told me that the movers would come pick up the bed that night. When the money did not arrive right away, he also told me to try wiring it to " XXXX XXXX '', at XXXX. The movers never came, the person stopped responding to me, and then Chase put a " hold '' on my account for {$2200.00}. It turned out the check was a fraud, but it was too late, I had already wired {$1400.00} to that email address. When I reached out to Chase to file a claim for fraud they told me there was nothing they could do because I was the one who deposited a fake check and I was the one who wired the money. It was the perfect scam. XXXX has zero consumer protections in place and doesn't even help you if you used it through your bank, they just refer you to your bank customer service. This article confirms that what happened to me has happened to countless others : XXXX XXXX XXXX  I have screenshots of text conversations, transaction confirms, and bank statements. Please reach out to me with an email account that I can send these too. I am hoping to first and foremost, get my money back, but also find this person and make them answer for their crimes. Finally, I would like to bring to light how ridiculous it is that every major bank in the US ( Chase, XXXX XXXX XXXX XXXX XXXX XXXX  ) provide an unsafe piece of technology for their consumers to use, and provide no additional consumer protections for them if something goes wrong.

Summary of evidence : 1. Phone Number : XXXX 2. Names : XXXX XXXX  and XXXX XXXX 3. Emails : XXXX XXXX 4. USPS Tracking # : XXXX  5. Bank : XXXX XXXX XXXX, Chase, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I'm trying to close a chargeback that I filed with my card issuer. My card issuer already closed the chargeback but PayPal hasn't. I filed a chargeback with XXXX because of a problem I had with an order I placed through PayPal. I closed the chargeback case through XXXX but PayPal still hasn't closed it yet and that is affecting my refund status. I filled out an affidavit form that they requested but they still haven't closed the case yet. The merchant that I ordered from through PayPal says that they will only refund me once the chargeback is closed. I really need this to be resolved as soon as possible so I can get my refund. 

PayPal Claim ID # XXXX Transaction ID : XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After several calls to XXXX XXXX XXXX XXXX XXXX XXXX and several voicemails left concerning confirmation of my car payments and remaining balance, on XX/XX/2018 I finally was able to speak with someone over the phone. XXXX XXXX, a very rude, and argumentative guy is who answered. I asked about my balance and he informs me of 5 months of payments here and there that were missed. I informed him that I have receipts for the payment, just not with me at the moment, ( as I was surprised they answered ). He did not understand why I was upset and told me he was still going to file a garnishment for my car, stating it is not their fault they did not receive the payment. 
What's so absurd to me is that the only way to make car note payments is by money order through the mail. This is not a safe method of payment, clearly, things can get lost in the mail. Most importantly I NEVER EVER have received not 1 confirmation of my payments since have bought the car. I would have NEVER agreed to the loan if I would have known the ONLY way to make a care payment was through the mail. 
Also following the rude call on XX/XX/2018, I received notification that XXXX XXXX XXXX has ran my credit/ SSN without my permission. This action was completely unauthorized. Which has dropped my credit score by 5pts. I plan to dispute this entire matter.

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 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This is the 2nd time in 3 years I ran my credit report online.. The first report always is a success, then the next 2 fail. They have improper information that might make it fail. I have tried calling etc. Many hours into this, and they do not seem interested in fixing the incorrect info. You, would think they are XXXX or the Government. My info has been hacked also does the Gov. fine them NOOOOOO. I was able to run XXXX but then it failed because thier were address 's that I did not live at ever and maybe laons not mine. How do you pass their questions when they atre incorrect. wouod be nice if they wouod talk to me too fix errors!!!!!!! Also fix their unfriendly annual credit report. I'm 100 % sure they will say its for my security. The question like when did you take out a home loan that has been payed of for 3yrs. Even the bank couod not tell me what year I took out the home loan that has been paid for 3 yrs. Appears to me they want you too fail.

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 2018-04-05 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: Conn's, Inc.
State: TX

Complaint narrative:
I spoke with XXXX XXXX and they told me twice they would remove this off of my credit report, and they have not. I made sure they were not talking about just not reporting it on my credit report I asked them to delete the whole trade line and I spoke to Supervisor 2 times and both times i was promised they'd remove it! 

please get this fixed for me as its hindering me from purchasing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This complaint is against the company XXXX. 

On XX/XX/XXXX I noticed that my account was hacked. Three payments were sent without my knowledge or consent, they were sent to someone whom I don't know and have never met. The payments were as follows : 1st payment : {$1500.00} 2nd payment : {$1000.00} 3rd payment : {$480.00} After seeing these payments I looked further at the app and noticed that someone had registered another person 's personal checking account and had used that account to make the payments. ( The payments were never taken from my account ) I immediately reported to XXXX   that my account had been hacked. On XX/XX/XXXX I received an e-mail from the account specialist department at XXXX. In summary they said that there is no evidence my account had been breached, that my activity was deemed highly risky, and that my account has been permanently suspended and frozen. 

At this point I attempted to transfer the {$230.00} of my personal money that I had stored in the XXXX account to my personal checking account that is linked to XXXX. I was not able to do this because my account was frozen. 

I sent another email to XXXX  insisting that my account had been breached and that I want my {$230.00} transferred to my bank immediately. They sent me a final response via email on XX/XX/XXXX again insisting that there is no evidence of my account being breached. 

On XX/XX/XXXX I called XXXX  customer service in attempts to get my money back. They concluded by saying my account has not been breached, they received a loss for the three payments that were sent to this unknown person, and as a result my {$230.00} is no longer available. They suggested I file a police report to get my money back from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
On Friday XX/XX/18 I went to XXXX XXXX XXXX in XXXX XXXX. I was interested in lowering my current payment, and transitioning into a XXXX vehicle. The salesman was very nice and honest, and then his manager XXXX came out to talk to us. He explained he would have to do a soft pull of my credit in order to give me a roundabout of what he could do for my situation. I told him I didnt want my credit pulled and could he provide me with a roundabout estimate of payment if I provided to him my scores, he stated do you know all three of your scores I stated yes. I provided him my 3 scores and he wrote it down and went in the back. It was around XXXX so my friend and I told him to call us and let us know what he came up with, he stated the payments are looking about {$400.00} with no money down. I walked out assuming he would call tomorrow with final deal. On the morning of XX/XX/18 I checked my score due to receiving an alert that my score had changed and to my surprise my credit had been pulled from XXXX XXXX against my consent. I called the salesman XXXX immediately and he stated he was on his way in. I asked did he have his managers phone number he stated no and that he doesnt come in until about XXXX. He insisted for me to come in and check out the vehicle to purchase, however I was more concerned about my credit drastically dropping in points. I made my way to the dealer and saw the vehicle, I didnt like the vehicle because it was a XXXX vehicle yet it had less perks than my current vehicle. XXXX ( XXXX manager ) came out showing papers claiming he never pulled my credit. XXXX stated to me alone He probably pulled your credit and forgot he did it At that time i was told to sign the credit authorization form in order to proceed. There was no deal they were able to work out for me and a vehicle and my credit suffered, even when originally my credit was not to be pulled. They pulled my credit illegally and I will like my score to go back to my original score of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IL

Complaint narrative:
I have a mortgage with this company. The mortgage closed in XX/XX/XXXX. The complaint is in regards to MIP ( Mortgage Insurance Premium ). The mortgage insurance premium was supposed to be when the loan reached a loan to value ration of 78 % or lower and 60 months of consecutive on-time payments have been met. I have met both of these criteria. The previous mortgage company that sold my mortgage to Home Point said I met the loan to value criteria. And that MIP would be removed on the XX/XX/XXXXbill. The value and original loan amount was for $ XXXX. I currently owe {$160000.00}. Which makes loan to value at 73 %, which is also what XXXX  told me.

Well on XX/XX/XXXXand XX/XX/XXXX I am still getting charged the MIP of {$180.00} a month. I've paid this for 2 months when I should not have. I believe I will continue to pay this because Home Point is not responding to my questions or emails. The previous communications with XXXX   were not copied over to Home Point Financial online portal when Home Point bought my mortgage from XXXX.

I've sent the mortgage company multiple questions via their website. Attached is the latest communications that show they have not answered my question. I called Home Point a month ago asking about this. Had to wait 30 minutes to talk to someone. When I was finally connected to someone they were unable to help me. But said they would have someone call me in a couple days. Well they never called me. The person I spoke to also said if I mailed a letter to Home Point asking them to remove the MIP, they said they would remove the MIP. I mailed them a letter. They never responded to the letter either. The MIP is still on our account.

Ive also tried to contact them via their portal. See attached.

Home Point did not follow through on their commitment to remove MIP, did not call me like they said they would, and they did not respond to my letter like they said they would.

I would like some assistance with the company meeting their commitments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX  ( XXXX XXXX XXXX ) recently lowered my limit without my knowledge. As a result of this change, my credit score dropped 5 points. When I contacted them for an explanation they told me that they re-evaluate credit every once in a while and they lowered it due to my score at the time they re-evaluated it. I am currently trying to fix my credit so that I can buy a home. I've only had 1 or 2 minor late payments which were on accident because I lost track of the date. Overall I have been a very good customer. I feel what they did is a catch 22. They lowered my limit because my credit score was low and that in turn just made it even lower. They worsened my situation for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
on XX/XX/XXXX I entered into a loan contract for the amount of XXXX at the local cash store branch when I got to the bank to deposit the teller and myself noticed that XXXX $ dollars was missing out of the envelope with the loan papers. so i went back to complain and the office employee became very nasty indeed.so I called the corporate office and on XX/XX/XXXX they sent me a letter stating that I would be reimbursed for the missing money.as of todays date XXXX XX/XX/XXXX no one from the cash store has gave me one penny for the missing money .I am having to pay interest and fees on money I never received from this loan. that is not fair. every month when I go to make payment all the employees are all new in the office due to a high turnover rate and have no clue what I am talking about.

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 2018-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Premier Student Loan Center
State: CA

Complaint narrative:
XX/XX/2018 I did a loan reconsolidating plan with a company called XXXX Premier Student Loan Center and was promised that my student loans would be reconsolidated. However, I've used XXXX XXXX XXXX to manage my account and the money I've paid to the Student Loan Center above mentioned is not reflected in my loan repayment history. I'm quite concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
Today XX/XX/18 I was notified by 3 emails of someone applying for a payday loan from check into cash. This was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are two credit inquires on my report that are fraudulent and do not belong on my credit report and I want them removed. 
XXXX credit inquiry XXXX credit inquiry please remove and update my score. I'm not sure why everytime my credit score goes up your company false reports and brings my score down I am XXXX and this is crippling me as I have tried endlessly to put a end to someone using my name and social.

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