vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
Faye servicing has indicated about a balance I owe on the property and due to covid I was having a hard time paying it. I am finally able to pay but FAYE will not pick up their phone or if they do they hang up or send to Voicemail ... .I am 3 days away from froeclosure according to the lender who has reached out to me. Servicing a loan can not be this bad where they push you to FC even though you want to pay and catch up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Last friday XX/XX/19 I tried to get cash from my account and transfering money sent to me by relative to distribute to other relatives. One I  found out later I sent over the limit and I have admitted ( Just forgot ) I'm XXXX and do forget. My aunt wanted me to sent them cash and I went all day trying to get cash from atms and other ways, none illegal. I didn't know my account was locked till I tried to buy gas and after filling up my card was frozen. The cops were called and it was a mess. 
Paypal does not have humans to answer questions or answer the phone so I have sent messages through their message center and have heard nothing except it could take 5 days which is past that. 
They keep wanting a bank statement from a bank I no longer have and never even used. 
I have done everything I know to do. I need my medicine and food to eat and finish the transfer for my aunt. 
Please help me get my money freed. I have opened another bank account for my social security next month but I still might come to paypal and I will really be in trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted XXXX, transunion and XXXX to have items that has been paid off that was In collection to be removed out of collections. However they just updated the balance to just XXXX balance and the accounts are still in collection instead of being deleted. Also they have information that is reporting 30 days late that is not 30 days late like my XXXX   account. XXXX put in a request to change the error on their behalf, but its yet to be changed on the reporting side. I also have a probleming with the scoring of my accounts. My scores will drop 30 to 50 points, I will pay the accounts out and they will only give me 10 points back. This is not right from what I have been read on fair debt information. Out of all the stuff I have taken care of, I should have had over 200 points back on my score, but it is not where it should be. My DTI is low and I should have been receiving more points than they have given me.

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 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted XXXX, XXXX and Experian to have items that has been paid off that was In collection to be removed out of collections. However they just updated the balance to just XXXX balance and the accounts are still in collection instead of being deleted. Also they have information that is reporting 30 days late that is not 30 days late like my XXXX   account. XXXX  put in a request to change the error on their behalf, but its yet to be changed on the reporting side. I also have a probleming with the scoring of my accounts. My scores will drop 30 to 50 points, I will pay the accounts out and they will only give me 10 points back. This is not right from what I have been read on fair debt information. Out of all the stuff I have taken care of, I should have had over XXXX points back on my score, but it is not where it should be. My DTI is low and I should have been receiving more points than they have given me.

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 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Since XX/XX/2019, I have been trying to receive verification of debt from Portfolio Recovery Associates, LLC. All request have been sent registered mail with signature returned. The account that PRA is trying to collect is listed as my legal name and a unknown company name. After repeated request PRA has failed to produce any documents with any signature 's or legal binding information and refuses to close account and remove from all 3 credit reporting agencies. Also have disputed with all 3 major credit bureaus and not one has been able to provide proof of debt from PRA but have failed to remove as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery keeps making threatening, repetitive calls with abusive, profane language. Swearing to sue me, destroy my credit and have me thrown in jail, because of the credit card amount I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One agreed to remove the negative remark from my credit report if I paid the balance in full ... but it is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
on XX/XX/XXXX I received a notification from my XXXX  Credit Bureau that New Rez llc d/b/a Shellpoint mortgage services reported on my credit that I have a delinquent mortgage loan account. 

on XX/XX/XXXX I received a notification from my XXXX  Credit Bureau that New Rez llc d/b/a Shellpoint mortgage services reported on my credit that I have a delinquent mortgage loan account. 

on on XX/XX/XXXX I received a notification from my XXXX  Credit Bureau that New Rez llc d/b/a Shellpoint mortgage services reported on my credit that I have a delinquent mortgage loan account. 
I contacted XXXX  on XX/XX/XXXX and they advised that Shellpoint Mortgage reported that 1st Delinquency XX/XX/XXXX, which per FCRA and FDCPA it will remain 7 years after reporting of 1st delinquency till XX/XX/XXXX. 
This account is an old account, it is delinquent and 1st Delinquency date is XX/XX/XXXX. Also this Account was filed in court and dismissed. The court documents filed shows that 1st Delinquency was XX/XX/XXXX. 
I disputed all credit bureau reports, I explained what I noted above, the results came from Shellpoint Mortgage services with barely no change. They did not remove it from my report I sent a letter to Shellpoint Mortgage Services explaining the same. No response. However they updated my reports as I noted above. 
They are in violation of the FCRA and FDCPA. It is affecting my life and my credit worthiness. I have a score of XXXX average before this inaccurate reporting by Shellpoint and now I have XXXX average.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CBNA/CITI Best Buy credit card account Citibank , N.A . Office of the President XXXX. XXXX  XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX - XXXX XXXX, SD ( XXXX ) XXXX I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00} I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

The only current CBNA account card I have that's in good standings ending in XXXX, I never authorized a second account do not own any other CBNA account and the account being reported in collections as of XX/XX/2020 on my credit report is not mine and when I called they were unaware of where this account came from. Please investigate this matter and correct the reporting error and remove this account as soon as possible.

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 2020-06-27 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase XXXX XXXX finance charged me two consecutive financing charges, one for cash advances of which I do not make any and the one that I made 3 years ago had a fee of XXXX. 
These financing charges caused me to go over my limit and Chase immediately reported that to XXXX  causing my credit score to go down 10 points. 
Chase is taking Malicious action in a time of CRISIS. 

Cash advance balance of {$1600.00} at 24.99 % Variable APR when I HAVEN'T made those cash advances. 

Chase 's response : Your account had a cash balance from your XX/XX/2016 statement. A transaction from XXXX : XXXX for {$200.00} was made on XX/XX/2016. This was listed as a cash transaction. We charge a cash advance fee when you make cash-like transactions, such as withdrawing money with your credit card or buying foreign currency. Please note that Chase has no control on how a merchant is categorized, because, it is determined by a merchant and the Visa and MasterCard systems. Hence, your account was assessed with cash advance transaction fee of {$10.00} and cash advance interest charges from your XX/XX/2016 statement onwards. I've attached a copy of your XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX keeps making threatening, repetitive calls with abusive, profane language. Swearing to sue me, destroy my credit and have me thrown in jail, because of the credit card amount I owe them.

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 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Military Star Card XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute a charge off on my account in the amount of a XXXX balance that never was a charge off. It never went to any collections. I am requesting that the charge be removed, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

Please investigate this matter and correct the reporting error as soon as possible. 

This was account was satisfied before and collect action to include any form delinquency issues this account did not default nor surpass the 210 day threshold, You can not charge off and account that has already been satisfied and closed as requested and its demanded you remove the erroneous charge-off on my credit report because legally you are obligated to do so. This situation does not fall under the 7 year disclosure because it never went to any form of collection bureau because its proven and represented that you were getting paid on a monthly basis this account was closed in good faith. At this point any further negligence from your company will be submitted up further for military further review. Disrespect like this with victimizing our well decorated veterans is not only disrespectful but will not be tolerated it discredits our military that funds this company and already at the desk of the military committee.

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 2020-06-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score all ftc violations

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 2020-06-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Our services with XXXX XXXX were disconnected per our request on XX/XX/XXXX due to consistent poor quality service, and a most recent complete loss of all phone and internet service for a period of 14 days from the period of XX/XX/XXXX through XX/XX/XXXX. We were paid in full through XX/XX/XXXX at the time of cancellation. After repeated attempts to resolve what balance we may owe through XXXX XXXX customer service phone line, and being unable to come to an agreement on that balance, they sent the balance they showed on account into collections ( {$140.00} ). We disputed the balance with the collections company and asked for verification and explanation of how this balance was derived, and they sent us a copy of XXXX most current statement, which only showed the proposed balance, no explanation on how it was derived. On XX/XX/XXXX we paid XXXX directly {$82.00}, which is what we considered to be the remainder of any charges we may owe for the services we received between XX/XX/XXXX - XX/XX/XXXX ( 2 weeks of which we had no service and should receive credit ). The collections agency still shows a balance due of {$56.00}, and despite repeated requests, has not been able to provide us with documentation to show how that balance was derived. I have also been in communication with XXXX XXXX XXXX with XXXX XXXX Relations to attempt to get some clarification on what the true balance may be, and have asked for detailed explanation on how they derived the numbers they have, and I have yet to receive that clarification. We also had a period of several days we were without service during the period of XX/XX/XXXX,XX/XX/XXXX that XXXX is refusing to consider any reimbursement for because their records do not document a problem during that period of time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
Money was sent via online money transfer through MoneyGram ( Reference No. XXXX ) XX/XX/2020 XXXX CDT and it was supposed to take only few hours to 2 days maximum. The money has to been received by the receiver 25 days later and counting. 

I have contacted the Money gram 4 times already via phone and submitted online complaints ( Case # XXXX, XXXX # XXXX, XXXX # XXXX, happened. During last conversation a week ago they asked for receiver address, and dob which was provided but still no resolution. Only way I knew about the request for additional information is when I called -- no attempt were made by MoneyGram to contact me o the receiver despite having both of our phone and email information on file. 

Totally irresponsible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation

Complaint narrative:
I was given a prepaid Netspend debit card as a gift. I have never been able to activate or use the card but have been told my balance is now less because of inactivity fees. They are literally stealing my money from me. When I call customer service, they just keep me going in circles with the automated activation system which then sends me to a representative and then starts again.

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 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent out debt validation letters to XXXX, TRANSUNION, XXXX XXXX and XXXX  requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. XXXX, TransUnion and XXXX  uses XXXX XXXX to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my XXXX XXXX file has been frozen since 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 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent out debt validation letters to XXXX, XXXX, XXXX XXXX and EXPERIAN requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. XXXX, XXXX and Experian uses XXXX XXXX to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my XXXX XXXX file has been frozen since 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 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
On XX/XX/XXXX I used MoneyGrams online transfer services to transfer money from my XXXX XXXX account to my regular checking account via my debit card the service state quick secure transfers to this date today XX/XX/XXXX my money is in transit. I have contacted both MoneyGram and my bank the amount I was transferring was XXXX dollars which I found out from my banks cards services department on XX/XX/XXXX that the have a limit on the amount I can transfer onto my debit card which is XXXX my bank has been amazing they raised my limit to XXXX for the money transfer to happen of course MoneyGram is stating that its moved up to their upper management level to be investigated as to why my transfer failed. I have contacted them ever day to get an update on my money if I found out myself what occurred why it failed then it should not take MoneyGram to find out what occurred but each time I speak to them they tell me it could take up to 120 days to return my money to me. Back in XXXX my checking account had been compromised and had to be closed immediately so I had all my money put on a XXXX XXXX  card until my new account was opened and safe, so now my money is stuck in moneygrams system and with everything going on money is tight and this was the last thing my family needed to happen. I hoe you can find out more then I can and hopefully everyone who reads this will read the fine print encoded with MoneyGram services Thank you and good luckb

Company response to consumer: Closed with monetary relief