vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal issued a credit for a dispute to PayPal credit and now reversed the decision and debited my PayPal balance. Credit/Debit to different accounts. 
In XXXX I disputed a charge of {$510.00} for a return from XXXX as I never received a refund for my return. On XX/XX/XXXX PayPal notified me that the dispute was ruled in my favor and a credit would be issued. On XX/XX/XXXX I was notified by email that PayPal was now reversing their decision and siding with the merchant. PayPal has still refused to speak with me about why this decision was reversed and will only say the decision is final. That same email notified me a debit would occur for the money back. 

On XXXX when I attempted to contact them again to ask about the decision I instead inadvertently contacted XXXX XXXX who now owns PayPal Credit. I was fully unaware these two institutions to not speak to each other AT ALL despite PayPal sharing a name across both. On XXXX XXXX opened a dispute for the same charge to do their own investigation. This same day XXXX also issued a credit for the {$510.00} also to my PayPal Credit account balance. 

On XX/XX/XXXX I was notified by email that the debit for {$510.00} had processed along with a demand for immediate payment. I checked my account to see they debited my PayPal balance rather than debiting PayPal Credit/XXXX where the original credit had gone. 

I have tried endlessly to contact PayPal via phone but they do not have phone support at this time, only messaging online that takes 4-6 hours between responses. These responses have been 100 % canned and useless. That last one I was told to contact PayPal Collections to resolve this issue. 

My issue here is I had two 0 % for 6 month purchases on my PayPal credit. When both XXXX and PayPal issued credits it caused these two other purchases to be paid off. Now they debiting me back the {$510.00} from my PayPal balance which was and always has been at {$0.00}. 

I've contacted XXXX for clarification and any help, they advised me to simply contact PayPal and tell them to instead debit my PayPal Credit/Synchrony account and it would be resolved on both ends. PayPal refused to debit the same account they credited. I contacted their collections team as advised by their messaging service and was told the demand is for immediate payment. I explained this entire thing and said they can not credit and debit two different accounts and then demand full payment. I said I am happy and willing to pay the {$510.00} back but it needs to be at 0 % for 6 months as that is what it was on my XXXX account where they sent the original credit. They refused this offer and said it's all or nothing and if I do not pay in full they'll send this to a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/2020, I recevied a phone call from USAA about suspcious activity on my account. I was busy and did not see my phone ringing, I phone USAA back within the hour. I was told by the banking representative that day that XXXX dollars was transferred out of my account via XXXX. We ( me and that representative ) walked through the steps of securing my account again and submitting a fraud investigation in order to have my funds returned to me. On XX/XX/XXXX, I spoke to another representative from USAA about my acccount having a restriction on it that only allows the deposit of XXXX dollars at a time over mobile deposit, I learned then that USAA had determined the previously mentioned XXXX fraud claim as my responsibilty and was punishing me for it. That representative and I opened a appeal of that fraud claim, I was sent a notice on the XXXX that once again, they determined that no fraudaulent activity has been found. I phoned in again today ( the XXXX ) to ask for the documentation supporting their decision. The documentation was unavailable and i'm waiting to receive it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OR

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX debt collector that stated I had to pay XXXX ..this debt was originally purchased from Jefferson capital date XX/XX/XXXX. from premier credit card back on date XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX @ XXXX I spoke to a woman wouldnt give me her name I told her this debt had been paid off back in XXXX to Jefferson capital I have proof ... she told me that the original debt was only paid on for XXXX back on XX/XX/XXXX ... I had set up payment plans for XXXX after the initial payment of XXXX on date XX/XX/XXXX ... the woman spoke in XXXX accesnt and couldnt provide any proof stating the original account from Jefferson capital was paid off. I asked for them to send me proof of the account agreement from the company Jefferson capital she immediately got discouraged with me stating it wasnt her job to prove or provide that information.. then she stated YOU CAN STAY IN COLLECTIONS FOR ALL I CARE ... then hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. US DEPT ED XXXX {$300.00} DPT ED/XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$80.00} XXXX XXXX {$7300.00} XXXX XXXX {$5900.00} DPT ED/XXXX XXXX {$6800.00} DPT ED/XXXX XXXX {$22000.00} DPT ED/XXXX XXXX {$18000.00}

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 2020-08-27 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: SC

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. US DEPT ED XXXX {$300.00} DPT ED/XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$80.00} XXXX XXXX {$7300.00} XXXX XXXX {$5900.00} DPT ED/XXXX XXXX {$6800.00} DPT ED/XXXX XXXX {$22000.00} DPT ED/XXXX XXXX {$18000.00}

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 2020-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Hello, I applied for a HELOC with Discover Home Loans # XXXX on XX/XX/2020. I was told this would only take a couple of weeks and of course it is now XX/XX/2020 and my application is being stalled due to negligent venders and or staff. My current home was originally cosigned by my uncle who passed in XX/XX/2020. We had joint tenancy and upon his death the property reverts back to me ( by the way I am in the state of NJ ). I have already refinanced my first mortgage and closed on XX/XX/2020 in my name only. At the start of the application they were provided with my uncles death certificate. They have also been provided with the new Payoff letter for the old mortgage as well as the new recorded mortgage documents. About a day or two ago I emailed my contact XXXX XXXX to see what is the hold up. Yesterday, he called and explained they were trying to clear liens/judgments on title that may be in the same name as my uncle and needed his SSN and birthday. So i brought it to his attention that the death cert was already provided which plainly stated that information. Then he calls me back to say that now the title company needs my uncle 's will and probate documents. As our title was held in XXXX XXXX, my property is not included in the probate and as I previously mentioned is already back in my name only. I emailed XXXX XXXX to request the contact information for the title company, who clearly doesnt know what they are doing. To which I was emailed that they can not provide me the contact information for the vendor. Excuse me! I am a customer and the title company that is completing a title for my application cant be disclosed to me? At this point I am just livid!!! They need to get it together, consult with their legal team so that someone with some sense can inform them that my property does not need probate and is already out of my uncles name. They need to stop stalling my application and move it along, quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Nelnet, Inc.
State: FL

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these  accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Nelnet, Inc.
State: FL

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized  inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
I sent in a large auto payment and Wells Fargo received the check on XX/XX/XXXX. They did not apply this payment to my loan and it is XX/XX/XXXX. They have taken the funds from my account on XX/XX/XXXX. I called to remedy and they said that is how it works, they take customer funds first then apply the payments, especially when it is a large amount. They now are telling me it will take 48 hours to research this. 
I submitted a complaint to the executive office and they told me it will take 10 days to resolve my complaint. 

This is not right, I should have seen my payment on 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 2020-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I currently have a joint auto loan that has a remaining balance of {$9900.00}. The vehicle was repossessed in 2019. My issue is that at the time of the purchase, I made the dealer aware of what payments I could afford. The amount they kept offering was at least {$200.00} above my budget, but the dealer insisted that If i paid that amount for 6 months on time, my payment would go down the my desire. I declined that offer. The dealer then went on to offer to write me a check for the difference in the car payments for the 6 months, so that I will only have to pay what I could afford out of my pocket and the check would cover the difference. I agreed to that. However, the dealer did not issue a check for he 6 months difference. I was allowed to take the car home that day and the called the next day for me to sign the paperwork after further negotiations with the creditor. The payment was higher than the initial offer. The dealer and the creditor preyed on us and stuck us in the contract that was not affordable. They set me up to have this repossession. They knowingly set us up with this high level of risk. I have let the creditor know several times that we were thrown into this deal and that it was not affordable. Now, this is impacting both of our credits when we were scammed into this deal.

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 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I have been on a bi-weekly automatic draft from my bank for my mortgage payments to Fay Servicing XXXX. for several years. In XX/XX/2020 I requested for a deferral of my mortgage payments until XXXX due to reduced household income due to covid19. The company approved the deferral except that after wanting to start making bi-weekly payments in XXXX like I had done before, each agent I contacted gave me different info about how to re-start the process. Long story short, I have had to call 4 or 5 times, sent the application forms 3 times by email as they had requested ( although a few of the emails were deleted before even being read, since I had requested email read receipts ). So because of all the erroneous info I was given by different reps about he requirements of getting back on a bi-weekly schedule and what boxes to check on the form and what date ( s ) to write and when to send it, etc., etc., I have had to make a FULL mortgage payment for the month of XXXX, and now I have to pay ANOTHER FULL payment for XXXX, which this is a big hardship for me, because even though my household income hasn't improved much, I am still making every effort to get back on making my mortgage payments like before and bi-weekly payments are the only way I can manage to do that, but Fay Servicing can't get it right and keeps giving me the runaround. This month I am going to be behind on my other bills again because of Fay Servicing lack of transparency and misinformation and horrible customer service, etc., etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Could not approve external funds to be transferred to a Brokerage account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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:
On Tuesday, XX/XX/XXXX, I used my Venmo account to add money to the account from XXXX to Venmo. This is my rent money that I added to Venmo which waS {$700.00}, but I received a email that they froze my account. The account specialist, XXXX said I needed to send in proof of identity and the bank statement that showed I made the transaction and I could screenshot it. I sent the specialist my ID, my cashapp card, the bank statement from XXXX, the email that showed I made that transaction and everything they needed. XXXX then emailed me and told me she cant accept screenshots so I sent pictures from my desktop and she didnt accept it because when I clicked the bank statement from cashapp, it transferred to XXXX and she said she couldnt take that. I also tried using another computer to see if XXXX came out and it did so it is the systems way of showing my documents. XXXX wouldnt take anything I gave her and she told me that she will keep my account frozen for 180 days until I show a statement from the bank that works with cashapp which is XXXX XXXX. I called XXXX XXXX and emailed cashapp and XXXX XXXX said they do not send bank statements from XXXX and I would need to get it from XXXX, which is what I did. I tried so hard to cooperate with her and I spoke to other agents from Venmo through the app since they arent taking calls and none of them are helping me out. I gave the company all of the proof I can that showed my identity but she doesnt want to take it. My rent is due next week and now I dont know what to do because that is all of my money I have right now. I will attach everything I sent to her and what she told me. Thank you so much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
Wells Fargo has put hundreds of thousands of people on auto forebearance without consent and we were one of the accounts this happened to. We have excellent credit and have never been late with a payment. They stopped taking auto payments in XXXX due to Corona Virus. They put our account in forebearance and thus it reflected on our credit report. We are looking to get a home improvement loan and are unable to do so with our credit report claiming forebearance. 

We also received paperwork in the mail indicating we would be put on a loan status for the amount of money they didn't take from our account and it would be put on the back of the loan. 

Finally, we received paperwork via XXXX XXXX containing another person 's mortgage from PA with personal financial information. It was sent to our home and it was a complete breach of personal information! Not ours, but mailed with all their private information exposed. 

We have contacted the company and they are working to remove us from the forbearance and fix our credit score but this is unexceptable. We will be moving our loan to a local bank ASAP.

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 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
Applied for a mortgage refinance with Amerisave Mortgage. They hard pulled my credit and gave me offers on my refinance. The representative was having issues with his VOIP phone and used his cell phone to call me back. I know that the call with him WAS NOT recorded and against compliance. 

They then collected a {$500.00} fee for an appraisal and never rendered the service that I payed for. They will not return my calls or texts. I have filed a complaint in the voicemail box. I call almost every day and can not find a person to speak to to get my {$500.00} refunded.

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 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Been a Capital One credit card customer for 13 years. No late issues Tier 1 credit risk. Out of no where I get an email saying they are cutting my credit line. No prior notice. No appeal. No restoration per their customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, NJ. Before going there, I checked that they took my medical insurance ( XXXX ) and that I had covered by deductible ( {$2000.00} ). XXXX told me that they never filed a claim to be paid. 

Historical Info Original CreditorXXXX XXXX - XXXX Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 4 months later, I received a bill from a collections agency called XXXX  XXXX saying that I owed $ XXXX.they reported this and it decreated my credit score from XXXX to XXXX. 
I disputed the issue via Experian and they were basically useless. Here is what Experian sent me as the results of the dispute : " Account previously in dispute - investigation complete, reported by data furnisher. Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/2020. '' A few months ago, i was in the process of buying a house and I couldn't be in the loan because of this issue.

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