vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi, my paypal account is XXXX. Paypal claims that I had violated their policies, and froze my account for 180 days, with my balance in it. I had never violated any policies, and after multiple attempts to reach paypal, they could never explain what happened or why it happened. Even the customer service representatives seems puzzled and bewildered. And recently, after the 180 days have been up, I wanted to withdraw my balance in the account, which is about 3800 USD. To be exact, it is XXXX SGD. To my horror, Paypal had charged me XXXX from my account without authorization and claimed it is compensation as damages. 

I am still bewildered as to what violations I had committed that could possibly arise in over 3800 USD in damages. Till this date there is zero explanation from paypal, and it feels like it that I just got robbed by Paypal without any reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KeyBridge Medical Revenue Management
State: PA

Complaint narrative:
Keybridge Medical Revenue Care mailed a letter to me that I received on XX/XX/21. This was the first letter I had received from them and by XX/XX/21 they were reporting on my credit as a collection. The letter I received from them states : We ask that you come into our office located at XXXX XXXX XXXX XXXX, XXXX, OH regarding this account. If you wish to make a payment, we accept for your convenience, Visa, Mastercard, XXXX, check over the phone or personal check or money order by mail. This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

No where does it give me any information or option to dispute, nor did it give me time to before they through it on my credit. I believe this to be 100 % intentional because I am trying to secure a mortgage. And I'm trying to secure a mortgage so I can live closer to where my kid is receiving XXXX  treatments, 2 hours away from my current residence. 

This is ridiculous and predatory. I was never given a chance to dispute or address this medical collection before they demand I drive to XXXX  ( I live in PA  ). 

I would like this removed from my credit report immediately!

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 2021-08-26 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 — Overcharged for something you did purchase with the card
Company: Enterprise Acquisitions
State: GA

Complaint narrative:
enterprise pushed through XXXX dollars onto my XXXX  XXXX credit card without authorization and fraudulently. a year later pushed through XXXX on my adult daughter 's XXXX  XXXX card, fraudulently.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted disputed along with an FTC report for this fraudulent account : XXXX {$1000.00} This fraudulent account has not been deleted from my credit reports ( XXXX  & Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
XX/XX/2021 I ordered a 'Built-in '' " Natural Gas '' grill from AAFES and used their Military Star credit card for the purchase. I specifically ordered the built-n and natural gas version of a XXXX XXXX XXXX XXXX. When I went to install the grill it was a " Roll-in '' and " LP '' grill. I called to have the grill replaced with what I ordered however AAFES was out of stock and could not find a replacement for me. I provided all the details they asked me for and I sent the pictures they requested. I was promised a phone call in a few days when they arranged a carrier to pick up my grill. 

Beginning the last week of XX/XX/2021 I had to call AAFEs every 3- 4 days through the 1st week of XX/XX/2021 ( 7-weeks ) and every phone call followed the same format. 1. ) They would review the previous notes and apologize that they never completed the return process. 2. ) They would put me on hold for long periods of time to discuss it with management. 3. ) They would get back on the phone or management would get on the phone and assure me and promise me that they would arrange for a carrier to pick it up and call me with that information. They never called me with the information and this process would repeat over and over. 

I offered to take the grill to the exchange at XXXX XXXX, XXXX, NC for them. Once I was told they would look into it and the 2nd time I was callously told to call XXXX XXXX exchange myself to arrange this.

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 2021-08-26 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: PA

Complaint narrative:
I submitted disputed along with an FTC report for this fraudulent account : XXXX {$1000.00} This fraudulent account has not been deleted from my credit reports ( Experian & 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 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I recently lost part of my income and as a result I was charged an enormous amount of overdraft fees. Some that were charged repeatedly for the same ACH hold. I was unaware that you can receive multiple charges if the merchant decides to withdraw again. I have called Navy Federal Credit Union in hopes to dispute. However, the are not willing to review and comply. I feel that the terms of my membership has been breached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
On XX/XX/XXXX, 2 days before the end of my grace period, I called Bank of America Home Loans to make a payment over the phone. In speaking with the representative, I asked what I had to pay to make my account current. He said {$1700.00} was due. I promptly made a payment and made arrangements to make another payment for {$1700.00} in two weeks, when I got paid. 

The representative promptly thanked me for my payment and that was it. Or so I thought. What he didn't tell me was that there was a late charge which BofA had assessed on my account that was not paid with the amount that he told me was due. For this reason, my payment was made on time, but the {$50.00} late fee was not. Although I made my payment on time, they are reporting that my payment was over 30 days late. In fact only the late charge was what was over 30 days late. This is materially inaccurate information. 

Additionally I would have expected the representative taking my payment to better explain what was due, and how I could pay it. I have no late payments over the entire course of this loan since 2010. The company will not work with 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 monetary relief
Consumer complaint received 2021-08-26 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: MD

Complaint narrative:
On XX/XX/XXXX my XXXX account was hacked and several payment methods stored in that account on that day were used to make a {$25.00} purchase. Two of the credit card companies flagged and stopped the transaction from occurring, however, PayPal did not. I contacted them when I noticed this occurred. They told me it wasnt an unauthorized transaction and I needed to contact the merchant. The charge only has XXXX name on the charge with no merchant or phone number to contact anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I ordered several items from XXXX, once they arrived I decided I did not want the items anymore. So I created a return with XXXX. I returned all the items, I have an email saying the carrier received the items and that they were going to refund me. In XXXX my account was drained of all the money it had plus more. I reported my debit card lost in XXXX, yet Bank of America decided to let XXXX charge for the items they had received. I have sent proof to Bank of America that XXXX carrier received the items. I am attaching proof that I have been dealing with BOA for over a month. My account is in the negative and yet they also continue to charge me their fees. Please help as this is a clear case of big corps targeting regular citizens for their gain.

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 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: FIRST ADVANTAGE CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX my account was locked due to " fraud ". I will attach the message from that as well. About 30 minutes after I answered the dm my account was locked. I have made several attempts to reach the company. My paycheck was deposited on the XX/XX/XXXX. My husband is on home dyalisis and I will attach a picture of his machine as well. 
I have not been able to pay any of my or get any of my money out. My last direct deposit was in the amount of {$230.00}. I have provided the information that the " current " company has asked for via email three times. I have had almost daily communication with someone from the support team at " current ". I have tried to comply with everything that I know to do. I have even told them that I want my money and to close my account. I also have my location on which is one of the things that " current " says will help keep your account safe which it has not. I am filling this complaint because I don't know what else to do. I feel like I will never receive any of the money on the current card and I feel like they are giving me excuses for not giving me the money I earned. I don't know what else to say except that the information that I am attaching, I wasn't so nice about it sometimes. I would NOT reccomend the " current " card to anyone! If there is any further information that you need please feel free to let me know. 
XXXX XXXX XXXX. one of the screenshots says that I'm not allowed to contact anyone else. These may not be in order and I apologize. I would like to copy all of them and send them if this is not enough information. I just want to be done with this " current '' company. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Financial LLC
State: DE

Complaint narrative:
The company has called my job several times leaving voicemails on a shared voicemail that several of my coworkers and supervisors have access to. in at least once they mention my past due account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
They will not work with affordable payments even though my loan was impacted with covid they have called my work saying they have a judgment but won't provide me with any proof they have drained my account several times they lie they have forced me in to bankruptcy rather then try try help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
In early XXXX US Bank stopped sending me bank statements. Initially I was alarmed because I thought they had been taken from my mailbox. Later I noticed that emails were being sent directing me to statements on line ; I do NOT want this information sent electronically. XX/XX/XXXX I applied for a mortgage and needed statements which I couldn't get from the on line link. Drove to the bank in XXXX XXXX, MN, where I noticed 4 employees in the teller area ; I was the only customer. Requested my statements from the teller. Couldn't do that- the teller called another person, a Mr XXXX XXXX who told me to make an appointment to get statements. I said I'd been banking at US Bank for 40 years, was a former employee ( top production person and helped establish the mortgage company now US Bank XXXX XXXX XXXX and I had never asked for my paper statements to be discontinue and wanted to get them. XXXX replied that was of no consequence, make an appointment and pay {$6.00} per statement per month. REALLY? I never felt getting an accounting of what was going on with my money was a favor or that I needed to pay to get that information. Although I didn't demand immediate results, I found this alarming in that there was no apparent reason I couldn't obtain this information being outnumber XXXX to XXXX by employees. Now I am going to be taking more time off work to go back to the bank obtain information that should be readily available to me. Was told to bring in my computer ( I actually did make an appointment regarding bank bill paying, took time off work and dragged my computer to the bank in the middle of the pandemic and was stood up for the appointment. Not doing that again. ) Don't want statements on line anyhow. This problem is unresolved.

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 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
On XX/XX/XXXX, I submitted a loan application to Rocket Mortgage to refinance my property. All documentation requirements were met within 10 days based on the documents that were listed at Rocket Mortgages online portal. My credit score is over 715 at all three credit bureaus. I've had over 8 mortgages in the past 20 years and they were all paid as agreed without issues. 

The matter of child support arrears and unknown issues such as the possible existence of alimony stemming from my XXXX divorce was raised ( on the phone only ) as the only areas of risk. Rocket Mortgage requires any such debts to be paid off similar to existing mortgages on a subject property EVEN IF THERE ARE NO LIENS. 

On the matter of child support, I provided an order from the Court terminating monthly child support payments effective XX/XX/XXXX. At the time of the loan application, I had a balance of approximately {$11000.00}. 

On XX/XX/XXXX, the Title Review and Appraisal were completed with no issues that would prevent loan approval. THERE WERE NO LIENS ON THE PROPERTY. 

On XX/XX/XXXX, I spoke to the loan officer and was informed that the primary reason for cancellation is my unwillingness to provide Rocket Mortgage with a copy of my XXXX Divorce Degree for the purposes of establishing whether I owe alimony to my ex-wife or any other divorce-related debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My card ending with XXXX got the fraud for a cell phone refill to charge {$550.00} on XX/XX/2021 and I disputed this to Citi Bank on XXXX XXXX.Customer service told me this account is been closed and I don't need to pay the balance. 

In the meantime, nobody tells me what is the next step or what will happen therefore I didn't cancel my auto-pay settings. Citi bank run auto pay to this account on XX/XX/2021, for {$800.00} and result in my checking account overdraft with a fee of {$34.00} per day. 

I called customer service, they transferred me to 3 different departments and all said to have to wait more days and only credit me back the fraud amount. NO solution. 

I understand the investigation takes time but they can not charge me first and hurt me again. We use a credit card is for protect my money not lost money. 

In my understanding, this kind of fraud transaction should behold until the investigation is complete. Not push customers to pay first and credit back. And also, follow-up is important with simply call, text and email to let customers know what they may expect on.

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 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
XXXX XXXX : Collection Open Date : XX/XX/XXXX Status : Seriously Past Due Assigned To Attorney Account Disputed : Several Times In Regards To This Collection There Has Not Been Any Mail Sent In Regards To This Debt Claimed Owed. Information Is Not Available And Has Been Hidden. I Have Sent A Notice In Regards To The Response Of This Debt On XX/XX/XXXX & Still Have Not Received Information. I Have Been Fighting To Get Removed Due To Fraud And Non Information Of Debt On My Account. 

I Sent A Letter Stating : This is a response to non information sent in regards to validation of debt and errors on my credit reporting to credit bureaus and the highly negative credit information. This notice is being sent in pursuant to the fair debt collection practices Act, 15 USC 1692g Sec 809b that your claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021, I mailed a letter regarding inaccurate, unlawful, and unproven items on my report. Over 60 days later, the company has yet to lawfully handle my complaint as the letter indicated it is not a regular dispute. I am being taken advantage of and the actual complaint is being ignored. Section 611 ( a ) states. Clearly, failure to investigate items within 30 days gives reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand the accounts be deleted or I will have to resort to filing litigation for the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. Keep in mind, XXXX did a thorough investigation and truly looked into my complaint and complied based on the federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hi, I want to fill a complaint to PNC Bank for a car repossession process. This bank started reaching out to me through a collectors number, where they asked me for my social security without explaining reasons for me to provide such delicate information. 

After calling the bank myself, I was informed I owed payments for my new car loan, however, as I never received an email or official communication from the bank, I did not have any information on my account, status of my mortgage, or anything. 

When talking to the bank, I requested to have access to my account, for which they said they were going to send me a mail, where I could log in and have access and visibility. 

A few days later, before I received any formal letter communication that they mentioned they would send, my car got repossessed and towed. 

Now the PNC Bank is asking me to pay XXXX in fees for repossession, and also the towing company fee which is of more than XXXX dollars. Moreovoer, they are asking me to pay the full amount owed ( XXXX dollars ) cash at their bank, they do not accept any other type of payment. to be forced to pay cash a process like this looks like a scam. 

Im complaining because this is a very unhealthy and unfair process as a customer. I have the money to pay, but I never received any official information from the bank, now im in this situation with my car towed and the bank states they have tried to reach out, even though I was asking them for formal mail communication and access, which they never did. 

I hope this serves to help us, the people of the state, to have processes that are transparent and that do not play against us and benefit the banks. This inefficient process and communication, where customers have cero visibility or formal communications, serves to benefit PNC Bank, and is leaving me without car without any notice, paying a ridiculous fee amount in cash to the bank, still without any documentation or access from the bank regarding my account, and now affecting my credit with this repossession while the bank is lucrating from it and obtaining cash money.

Company response to consumer: Closed with explanation