vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal has unfair business practices. I became aware of a past due balance on an old PayPal account that I didn't need anymore. When I tried to log into my account to pay the balance it kept saying there was an error on PayPal 's side and to keep trying. When I looked on their website for an email address to contact them when I clicked on the link it took me to a page asking me to log into my account ( which I couldn't do ). There are no phone numbers on their website but I googled and found a number and called them. When you call the automated message askes for the phone number associated with the account. My account was so old I don't remember the phone number I would have used so I tried to ask for representative but it just kept asking for it. After trying many times I finally found a way around the automated attendant and got someone on the phone who told me my account was locked. How am I supposed to pay the past due balance if they lock my account? When I said I wanted to pay the balance due and then close the account I was told I would have to be transered. As soon as I was transfered the phone went dead. This happened several times and after repeated attempts I got to someone who would take my credit card info to pay the balance but once the balance was paid they told me it would take 3-5 business days before they would unlock the account for me to close the account. I spend 3 days of my life just trying to get through to them to get the balance paid and close the account but it seems like every step they purposely make it hard so they can keep the account going to continue to collect fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Regarding account XXXX and XXXX which was closed without reason, and funds now being held for more than 45 days since account was restricted before closing. No updates and answers have been given me for reasonable cause, which Chase says they can do without reason for an investigation. But I have inquired many many times on what are they investigating. No answers, just evasions and we cant tell you stuff. 
This is now reaching beyond the point of reasonable. Since I know this can only be due to XXXX  XXXX XXXX asking Chase to hold my funds on a deposit that was cleared back on XX/XX/XXXX which I in fact was authorized to make this transaction and my affidavit ATTACHED HERE IN XXXX, CALLED AFFIDAVIT # 4 just faxed to XXXX  XXXX XXXX Digital Fraud Check Claims at XXXX. 
Also if Chase will check their records they will see I had a joint account with my Mother XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX confirming we had a fiduciary relationship and established trust. 
Chase has not lost one cent and I owe them nothing, they are holding {$35000.00} for a unreasonable amount of time for what they call an " investigation '' of nothing they can tell me. There are no legal attachments of leans on my account and I have no debt owed to Chase Bank. After reviewing the facts in this Affidavit # 4 attached, they need to understand that the claim in question from XXXX  XXXX XXXX is a false claim filed by mother mother and that transactions was in fact AUTHORIZED. 
Chase is a third part in this and i do not see what legal authority they have to continue to hold my funds. They are not a party to this claim and this is solely with XXXX  XXXX XXXX, my mother XXXX XXXX and Me, XXXX XXXX XXXX XXXX XXXX  now this morning also has documentary evidence in their possession by mail from me that XXXX XXXX 's claim is false and by her own voice says she gave me permission. Not only that but the banks Limitations of Liability for Online Banking Transactions ( which this was ) has established the fact that I was authorized based on the  evidence and record before them now. 
Chase has NOTHING TO INVESTIGATE, AND what can take 65 weeks so far in such a simple matter as this? This excessive time holding my funds is unreasonable and without credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I have tried several times for a loan modification and have I have been denied. I received a letter from the Executive Office XXXX XXXX XXXX XXXX OH on XX/XX/18. The letter was dated XX/XX/18. In the letter they advised that they need more time for the loan modification because they received more information that they need to review and for me to call right away and they can let me know what new information is needed. Soon as I received the letter I called and left several messages to the person who I needed to contact XXXX XXXX and to this date I still have not received a return phone call. I am trying to save my home. I have been reaching out for help but nobody seems to want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: WI

Complaint narrative:
Franklin collection sent me a settlement offer. I asked them to validate the debt. They did not. I then asked them about a settlement amount and they said XXXX, and I could pay it in 2 payments. I am in the process of buying a home and figured i should jus pay to have this collection deleted asap, because it was stoping me from closing, I let franklin know that and that was a huge mistake. After I made the first payment they reported me to the credit bureau as a collection not paid, after we both agreed on the XXXX. On XX/XX/18 i called them to payboff settlement and was threatened by 2 workers over the phone. And was call a XXXX XXXX XXXX XXXX.They also said they would no longer do a pay to delete for me, and that my settlement offer was no longer valid, because i didnt make the 2nd payment 2 weeks from the first payment. They never told me it had to be 2 weeks later, i was told in order for them to not put it on my credit report i had to make the first payment 2 weeks after the first payment they it in to the CB as a collection item. I have made several attempts to talk to a supervisor. Franklin collection service inc is not even authorized to Collect debt in Wisconsin where I live. This same account has been reported to my credit report 2 times and has been previously removed by othercollectionagency 's once they verified that this is not owed by me I spoke to a supervisor and he was not helpful when i told them to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX went into my bank account with XXXX XXXX  and noticed heavy activity in two personal accounts of mine. Both personal accounts were depleted. In account ending in # XXXX they took out over {$1600.00} plus {$75.00} legal fees with now a minus {$800.00}. leaving it as {$2400.00} and in my other account ending in # XXXX they put a hold and minus on the account for {$2400.00}. 

I received a copy of the CFPB Law Suit with XXXX, Cooling & Winter and I have a judgement against me from Cooling & Winter filed @ the XXXX County Court house which in XXXX Cty which I know nothing about. I have called them and to no avail they have yet to give me anything other then harass me and hang up on me. 

I'm at a loss for words. I'm out money that was helping me live, I was paid by clients, and past income. No contact by the bank to tell me this was happening or that there was a judgement against me and now they have doubled what they say I owe them in the documents uploaded. 

I never knew anything about this. No one informed me about if there was a " debt '' and if I look up my credit report it clearly gives me a good standing credit rating of XXXX as of XX/XX/XXXX. I never received an email, a letter, nothing. 

I'm told after looking through paperwork and hearing from my Business Lawyer ( spoke to the firm just to ask what they thought ) that this stems from XX/XX/XXXX, 13 years ago. Isn't there a statute of limitations? In all the time I have lived in XXXX and here in XXXX County GA now I still don't know anything. 

I need your help because if this is all about Cooling & Winter and I'm a part of that without knowing anything more what's a girl do. I can't open another back account somewhere else until this matter is resolved. Please help 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 2018-08-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Called/ Talked to XXXX XX/XX/XXXX XXXX about outdated late payments reporting on my credit report from XX/XX/XXXX, XX/XX/XXXX 60 days, 90 days, 120 days for account number # XXXX my accounts was in Income Driven Repayment program or unemployment program. I was told by XXXX to call Experian to find out why they are reporting late payments for this period, I disputed these dates and items but Experian was unwilling to remove this negative incorrect infomation from my report. This is hindering me from obtaining credit with this outdated and incorrect information. I am requesting this incorrect information be deleted from my credit report the inaccurated entries follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have been disputing an account with XXXX XXXX XXXX XXXX account number XXXX dated XX/XX/XXXX in the amount {$2300.00} for an apartment complex I never lived, that I request be deleted from my credit report XXXX XXXX is reporting current on my account this was part of bankruptcy XX/XX/XXXX account number # XXXX, I am requesting to be deleted from my credit report I have unauthorized inquiries on my report that I have been requesting be deleted XXXX XXXX XX/XX/XXXX XXXX Co XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My purse and car were stolen a few years back. As a result, my debit card was swiped across town at a gas station, an ATM, and then at an ATM that was associated with my bank. A fraudulent deposit was made into my account. I was totally unaware of the deposit, but reported all of my things stolen before I had any knowledge of the deposit. I reported my things stolen to the police. I communicated back with my bank to find out where my card had been swiped and how many times it was attempted. I reported my findings back to the police and requested that the ATM cameras be pulled so that I could press charges. This was an extremely long and drawn out process. They tried to have the cameras pull but the back hadn't fixed the ATM camera so it only caught the person 's chest and hand ( which clearly weren't mine ). As a result, the bank decided to close my account and reported me to XXXX  making it virtually impossible for me to get a bank account with anyone. I did my due diligence by keeping in contact with the bank, reporting what happen, and by involving the police. My account was still shut down and I have had an extremely negative experience because of something that wasn't my fault.

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 2018-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
XX/XX/XXXX my rent was stolen from XXXX XXXX XXXX XXXX in XXXX WA. I called XXXX XXXX to have my money order traced and alerted them it was stolen. I received paperwork from them to file a case, XXXX, for a stolen and forged money order on XX/XX/XXXX. They money order is for {$810.00}. The apt mgr, XXXX, filed a police report and that case number is XXXX. I was could take 90 to 120  days. I called XXXX XXXX in XX/XX/XXXX and spoke with XXXX and was told to call back XX/XX/XXXX. I called XXXX XXXX XX/XX/XXXX and XXXX said they had not heard back and refiled my complaint with bank that cashed check. I called back XX/XX/XXXX and XXXX told me to call back XX/XX/XXXX. I called back XX/XX/XXXX and XXXX said they had not heard back from bank and refiled complaint with bank. I called XX/XX/XXXX and XXXX said they had heard nothing from bank so I filed complaint with WA State Atty office XX/XX/XXXX. The file is XXXX and contact was XXXX XXXX. They were unable to get response from TD bank either and referred me to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: TN

Complaint narrative:
My mortgage was sold on the XX/XX/2018. The escrow had been improperly assessed. My new company Selene Finance LP has stonewalled me for over two months now on fixing the situation. They have incorrectly assessed my property tax wrong causing a shortage in my escrow. I have had three escrow anaylsis 's submitted. I have faxed over all tax information related to the two lots I own. On XX/XX/XXXX they sent me a new escrow analysis that corrected the property tax payments yet didn't factor in my home owners insurance. Then on the XX/XX/XXXX they fixed that but changed the property tax back to the original error. You are told one thing by a supervisor, XXXX XXXX, and then told another by other CSR 's and other supervisor 's. The latest I have been told is that they will open another inquiry. This has not helped in the past. I can't even reach a supervisor in the escrow department. Apparently according to customer service there is no way to reach one. This is a simple math fix but seemingly they can't do simple addition at Selene Finance. I won't give up, I want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/2018 I purchased a Western Union money order. The money order was never received by XXXX XXXX to whom the money order was sent. I mailed the original receipt ( as instructed ) and {$15.00} check ( which was cashed ) processing fee to Western Union. The refund, has not been sent. Customer service tells me they can't find the information. And various other excuses. I believe Western Union is  taking advantage of the less fortunate people that use the Money Order system to wear them down and keep their hard earned money. I would like my refund and request that an investigation be conducted by the Federal Government into this situation. How much money does Western Union keep from innocent people that just don't have the means to fight back. Re : Money Order # XXXX Amt. {$260.00}. Processing fee sent on XX/XX/2018. ( CASHED ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
It is with great fraustration that I continue to try save this home. I owned this home with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. 
I am on the deed. My name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX NY XXXX. 
The subject property is XXXX XXXX XXXX, XXXX, New Jersey ,XXXX. 
This property was occupied by Mr XXXX and shortly after with out my knowledge was rented [ and I found out that is in foreclosure. I have called SPS various time asking they give me the opportunity to save the home and the have not wanted to speak with me. 
They have rejected my phone calls and continue to proceed with foreclosure. MY name is on the deed. There are no tenants in this property. I am pleading for SPS to allow me to do a work out plan to save the property. I was not aware of this situation. 

Please advice of what can I do. I have done a lot of credit cleaning and now this is going to pull me back.

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 2018-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
My mortage company, Regions bank, put hazard and flood insurance on my home loan before I was able to sell it. They didn't notify me only my EX husband who was also on the loan. They sent no documents to the address of the property they were insuring. I am the one who lived in this home. When I went to close I had to pay over {$25000.00} in force placed insurance. I have all the statements from the bank that show they sent my Ex everything and me nothing. I am trying to get my money back.

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 2018-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
I bought my home XXXX. Mr. Cooper became the third company to service my loan beginning XX/XX/2018. They are raising my escrow based on last years taxes from another owner who did not live on the premise. I have sent Mr. Cooper the correct tax amount from XXXX Sc website, but they will not review it until XX/XX/XXXX. Therefore my mortgage has increased from {$330.00} to {$460.00} and it is difficult for me a senior living off of a fixed income. 
Companies should not cause hardship to consumers especially when it is brought to their attention and it takes someone to take a moment, make a phone call and correct the situation. 
My account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: IQOR US INC
State: CA

Complaint narrative:
XXXX attended XXXX College between XX/XX/XXXX and XX/XX/XXXX while he was in the XXXX. He reached out to the university via email, which told him that his XXXX XXXX XXXX would cover tuition. After enrollment, XXXX told him that his XXXX XXXX would not cover tuition, and that he had to take out federal loans. XXXX took out loans to cover tuition. XXXX encouraged XXXX to take out private loans as well, claiming the federal loans were insufficient to cover tuition. XXXX also presented a private loan as a refund to XXXX, who was unaware he would owe student loans by accepting the so-called refund.

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 2018-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am XXXX  and I opened my account in the bank of america in XX/XX/XXXX, I left my account practically without movement until the day XX/XX/XXXX when I made sale of assets for two different American people and I received in my account my sale, following the procedures transfer of the bank ( via XXXX ) secure payment system with which the receipt is made by the depositor and the receipt by email your confirmation of deposit to be released to the creditor, in this case I received within the existing banking system and confirmed in account, on XX/XX/XXXX I received the misfortune of my account being blocked, I called several times and with no one to solve my situation and only say that it is analize about ( fraud ), after spending a few more days with different information and disagreed on XX/XX/XXXX say that my account was going to be closed, I requested my money with which the value I have taken into account XXXX dollars and I was informed that they do not have XXXX money!!! how can a bank that we open account to take care of our patrimony and comes to his client withdrawing his funds his access to what is his right and retains his funds!!! I have never had a problem at this level in my country or any other bank I have spent, I need my money I am a good citizen, I am being robbed, feeling disquieted and humiliated by this institution, I request that you intervene in this company to receive my funds. If you have a problem in my receipts this problem is in the bank system I can not be penalized for a failure ( if there was ) that I'm sure did not have, but if there was this problem is the bank and not mine

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