vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: MA

Complaint narrative:
I have two paypal accounts, the company merged my two accounts thereby using my personal banking information for a new business account that was in the process of being set up. They went into my personal bank account and made numerous withdrawals to the tune of approximately {$3600.00}, all withdrawn on XX/XX/XXXX, XXXX, XX/XX/XXXX, also causing over draft fees to be incur from my banking institution. 
They said these charges I had agreed and had a contract in place with XXXX for advertisement since XXXX, and the account that was used did not exist until XX/XX/XXXX or after and I had never signed any contract or had a need for advertising as the business being established was a small marketplace store of home made goods that generated under {$500.00} per month. 
I contacted Paypal, XXXX XXXX XXXX, and XXXX via email and to no avail have I heard anything back from the XXXX to this regard, however, Paypal, states they have heard back from XXXX regarding the charges and have falsely documented the return of my money and then turn around and reverse the money back to themselves. My banking Institution XXXX XXXX has closed my complaint stating that my money has been returned, when it has not been returned. On XX/XX/XXXX and XXXX I receive emails stating that the money is being returned to me, when I go to the paypal account it shows the money returned and then immediately reversed to paypal. I call Paypal once again, at this time I am told my account had been hacked and being signed in in three places ; Washington D.C., the country of XXXX, and Massachusetts, and I verified that Massachusetts was my location, the agent had me download the 'anydesk ' app onto my mobile phone and opened some sort of broadcasting that would record our entire conversation. I was told that they needed secure credit card number and I refused to give them my personal information so they instructed me to make a trip to the store XXXX XXXX to purchase an XXXX gift card and load the {$200.00} that they had me believe they loaded onto the Paypal business debit card that I have to purchase the XXXX gift card. Nevertheless, I was embarrassed and no money had been loaded onto the card, and the Agent for Paypal stayed on the call the entire time and asked me not to mention the company while in the store as he attempted to get me to pay cash or use one of my credit cards which I would not do. They said they would call me right back, and to date they have not called me back! 
I am trying to recover the monies stole from me, and any/all charges to me bank account for overdraft and overdraft protection fees. 
I am prepared to forward all emails received from Paypal, my banking institution and transaction records from my paypal account and will not delete the account until this matter is settled. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i sent a letter to Experian more than 30 days ago and they did not respond back. I feel that they are ignoring my request to show me proof of a legal and binding agreement with the creditors. in addition, i asked them to show me how they verified these accounts and what method was used to verify these accounts. 

1. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX Account Number : 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 2020-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company Debt Pay GateWay in XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
This company is taking {$14.00} dollars from settlement to pay XXXX XXXX XXXX but since I received an email from XXXX that they will close the account and will not representing me no more the company GateWay still taking the same amount every month after I talk to them and said they will look at it, but I havent heard nothing. Could you please please look in to it or what could you do about it. Thank you for your time and hope I could hear from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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 — Card was charged for something you did not purchase with the card
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
First Tech Choice World MC ; on XX/XX/XXXX i noticed ( 4 ) fraudulent charges on my XXXX XXXX XXXX from XXXX XXXX of {$99.00} {$99.00} {$120.00} & {$100.00}. I contacted First Tech MC dept of the fraud. About 4 days later 2 pages showed up from XXXX XXXX a watch and a scrabble game. I contacted First Tech and they advised me to return to a XXXX XXXX store, I did and was credited the {$120.00} and {$100.00}. 
However the ( 2 ) {$99.00} charges remained on my account. I contacted them, 3 times on the phone and my husband went into the branch ( during Covid ) to get some clarity why these fraudulent charges still appeared? They advised waiting for the XXXX paper statement and the charges would be credited. 
I rep 'd the XXXX statement and the charges were credited however, today, on XX/XX/2020 the charges still appear ( with no credit ) on my PC app and my mobile First Tech app????? 
I spent 54 minutes on a call, the XXXX, with them today and the rep put in a ticket as to maybe a file wasn't uploaded, blah, blah, blah ... ..she assures me I did receive a credit even tho it doesn't appear on my pc or mobile app and I'm not being charged interest on it. Why? because she said so? She said the balances are the same ... they can't be if one has 2 charges of {$99.00} credited and the other doesn't ... .it 's called MATH.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i sent Transunion a dispute letter 30 days ago and they have yet to respond. i believe that they are refusing to verify the accounts i asked them on what method they used to verify them and for them to show me a legal and binding contract/agreement, between myself and the creditor. they have to follow FCRA guidelines and they have failed to do so. the following accounts are : 1. XXXX CARD Account Number : XXXX 2. XXXX CARD Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX Account Number : 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 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
I contacted Bayview Loan Servicing for the COVID 19 forebearnce plan under the CARES ACT. It is XXXX, and I am shocked to see my credit report, which they marked the LAST 6 PAYMENTS as late payments. It is my understanding that under the cares ACT, no payments are to be marked as late, that I should not have any negative credit reporting. XXXX  This is appaling. I can not do anything with my loans now that they did this. They must immediately correct all this late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
California EDD transferred approximately XXXX dollars into a Bank of America EDD account this week of XXXX, 2020. Everyone has to use Bank of America EDD account when applying for EDD benefits in California. I tried to transfer the money out, but could not transfer all of it. I called and the representative today ( XX/XX/2020 ) and was told there's a limit of XXXX a week. I was transferred 3 times to higher levels of support. The manager said there was a form to fill out and transfer all of my money out at once, but he couldn't find it at this time. He recommended that I just do it weekly. Due to fear of money sitting in an account that I do not trust and scammers has been targeting EDD accounts more frequently due to the pandemics, I really would like to get this money out. There's also bills and other needs for this money very soon. I tried calling back again to a 4th representative which told me that there is no such override to the {$5000.00} a week limit. I would have to go to a physical bank location and withdraw the money, then deposit it back into whichever account I would like. I also asked him what If I am not close to a physical location and need this money now for my needs? His respond was there was nothing anyone can do besides either waiting to transfer {$5000.00} a week or go to a physical location. It is quite unacceptable in this age for such a large organization to hold onto consumer 's money with limited options on how to get it out and each person was providing a different process not consistent with each other. It was not like I had a choice from EDD to whether to use Bank of America or not. It feels like I am at the mercy of this Bank adding further burdens to the tough times that most folks are already experiencing during this Pandemic.

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 2020-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I paid this debt for {$110.00} for a bill owed for XX/XX/XXXX to credit management control ( XXXX XXXX XXXX, XXXX  ) on XX/XX/XXXX. Now dynamic recovery solution has put this debt on my credit report as still owed. I reach out to XXXX and they said they just trying to collect a debt, they don't have anything to do with the other company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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: Pinnacle Asset Management, LLC
State: WA

Complaint narrative:
In XXXX we had an apartment at XXXX XXXX in XXXX, WA with a roommate. That roommate quit his job and became unable to pay his portion of the bills. We were evicted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX ( aka XXXX XXXX ), XXXX XXXX filed for and received a judgment in the amount of {$2500.00}. 

On XX/XX/XXXX, A Writ of Garnishment was then issued in favor of XXXX XXXX XXXX, XXXX XXXX, and assigned to XXXX XXXX XXXX, XXXX. 

That Garnishment was served on one of our employers. That Garnishment was paid in full through the Continuing Lien on Earnings. 

XXXX XXXX has continually and fraudulently reported on our credit reports that we still owe over {$8000.00}. We disputed those reports. XXXX removed them ... for a few months. They then RE-reported on our credit reports that we still owe over {$8000.00}. We have disputed it again. 

We have attempted numerous times to contact them to get this resolved. No phone calls are returned. 

If we had actually owed the amount they are claiming, a Judge would have issued a Judgment and Writ of Garnishment for that amount. However, the Judge issued them in the correct amount of {$2500.00}. That amount has been paid. 

Please note as well that XXXX XXXX is under investigation for fraud.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-17 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
In XXXX we had an apartment at XXXX XXXX in XXXX, WA with a roommate. That roommate quit his job and became unable to pay his portion of the bills. We were evicted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX ( aka Genesis Credit ), XXXX XXXX filed for and received a judgment in the amount of {$2500.00}. 

On XX/XX/XXXX, A Writ of Garnishment was then issued in favor of XXXX XXXX XXXX, XXXX XXXX, and assigned to Columbia Debt Recovery, LLC. 

That Garnishment was served on one of our employers. That Garnishment was paid in full through the Continuing Lien on Earnings. 

Genesis Credit has continually and fraudulently reported on our credit reports that we still owe over {$8000.00}. We disputed those reports. Genesis removed them ... for a few months. They then RE-reported on our credit reports that we still owe over {$8000.00}. We have disputed it again. 

We have attempted numerous times to contact them to get this resolved. No phone calls are returned. 

If we had actually owed the amount they are claiming, a Judge would have issued a Judgment and Writ of Garnishment for that amount. However, the Judge issued them in the correct amount of {$2500.00}. That amount has been paid. 

Please note as well that Genesis Credit is under investigation for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: Yamaha Motor Finance Corporation USA
State: MD

Complaint narrative:
Back in XXXX of 2020 I contacted Yamaha Motor Finance Corp USA to inquire if they could extend me any payment deferrals on my account due to the COVID-19 impact on my employment. The customer Service Rep. verbally granted me a 60 day extension. 
A few months later I discovered that Yamaha had been reporting me late to all 3 credit Bureaus. At that point I contacted Yamaha again asking what was going on. They replied that the customer service rep failed to inform me that I needed to sign and submit a Disaster Relief Modification Agreement, which by the way I never received in the mail, for the 60 day extension to be valid. They said if I signed one at that time they would be able to apply it towards the missed payments and remove the late status from the credit Bureaus. I signed and forwarded the form to them and after that I have spoken to several Yamaha Customer Service Managers which are extremely difficult to get in touch with as they refuse to provide a direct phone Line, email address or direct contact to the credit department. Bottom line I have exhausted all efforts to get them to correct their mistake that impacts my credit score and even though I continue to pay my Bill every month they keep moving that modification forward instead of applying it back to XX/XX/2020. Beware of that company. It is also interesting that they have a Loan Servicing company that apparently are the only people the consumer can talk too and when it comes to the Credit Bureaus all three of them have a completely different address for Yamaha Motor Finance for contact and when you try them they send you back to the Servicer company so the run around never ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint has refused to explain in detail the fees incurred or added since they began servicing my loan. 

Shellpoint sent a letter dated XX/XX/XXXX indicating a negative balance of escrow in the amount of {$40000.00}, claiming for period XX/XX/XXXX to XX/XX/XXXX yet, they have not provided a breakdown by month and year and cost for escrow which totals the amount claimed. 

I have sent multiple request to Shellpoint requesting a breakdown and they just keep claiming the same and providing a loan history spreadsheet, yet there is no highlighted portion that explains the cost and total for the negative escrow balance. 

There is also a discrepancy on the total amount since Shellpoint sent another letter dated XX/XX/XXXX indicating that the negative escrow balance upon transfer was {$25000.00}. 

I have asked for the correct negative escrow balance and Shellpoint has refused to provide this information to date.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
I paid this debt for {$110.00} for a bill owed for XX/XX/XXXX to credit management control ( XXXX XXXX XXXX, XXXX ) on XX/XX/XXXX. Now XXXX XXXX XXXX has put this debt on my credit report as still owed. I reach out to XXXX and they said they just trying to collect a debt, they don't have anything to do with the other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I deal with a lot being a young single mother. There's a lot of stress. So when this account popped up on my report hurting my score, I didn't know what to do. I elected to pay it off because I didn't know my rights. Come to find out, that didn't help and the account is still on my report and it never belonged to me to begin with. I learned that I can dispute this information and have submitted a complaint with the ftc. On there site, they explain that section 605 of the FCRA mandates you to remove fraudulent accounts with 4 days. Please help me in this dreadful situation. Thank you! I also noticed some inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: IL

Complaint narrative:
My mortgage is currently with Guild Mortgage. I was approved for a refi with XXXX XXXX and started the process which would save me {$500.00} per month. I was ready to set a closing date but I have my home in a land trust and needed to remove the home from the land trust in order to close on the refinance. My title company told me i had to have the mortgage company along with myself sign a direction to convey. I sent my request on XX/XX/XXXX. On XX/XX/XXXX I called and emailed and was told it would take 10 business days. On XX/XX/XXXX I sent another request for update with no response. XX/XX/XXXX I called Guild again and was told I had to wait for a response and could not speak with anyone with regards to this. Today I lost my closing and can not hold the interest rate I had. I want to move my loan from them and want them to sign the direction to convey so I can proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I've been using american express serve for several years. Earlier this year me and my significant other both became unemployed due to coronavirus pandemic. Her claim was under investigation for some time and finally in XXXX she was awarded back payment for the prior months she wasn't paid. Since she has no bank account at the time we decided to just use my amex serve account to have the funds direct deposit into my account. We were both unaware that was a violation of terms. American express allowed the direct deposit. I even withdrew {$2500.00} the following day. The next day when I tried to log into my account with no success I call them and they inform me that my account has been suspended permanently for violation of terms and I have no access to the remaining funds in my account which were roughly a little over {$1500.00}. They said they will not release any remaining funds until I provide them with a letter of indemnity from the issuing bank. Well for anyone who doesn't know it is pretty much impossible to speak with anyone at the unemployment office in Kentucky right now because of the surge in claims due to the Coronavirus. My girlfriend and I both have tried to contact the unemployment office to explain to them the situation and have had no success. We just want our money back. We have already been served with an eviction because we haven't been able to afford rent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 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: CT

Complaint narrative:
TransUnion is still reporting that my balance with XXXX XXXX XXXX is XXXX and it is not, it is paid in full and should be removed immediately. This for account number 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 2020-12-18 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: CA

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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