vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 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: CT

Complaint narrative:
I've requested evidence which Paypal supposedly has showing items were delivered to me from a " XXXX '' on or around XX/XX/, this person took two payments in the amounts of XXXX and XXXX, did not deliver the items. To date, Paypal has not provided or shown any such evidence. They instead refer to prior Papal accounts which are not mine, it appears a relative had these accounts, this person no longer lives here. The person, " XXXX '' is a scammer whom uses XXXX messenger app to lure people in as explained to several Paypal reps who took my claim, they claim they have " compelling evidence '' items were delivered electronically, one rep mentioned a bogus tracking number. There is no such tracking number that would show any item delivered via text, email, or otherwise. As you can see, their evidence is in fact bogus as they have not provided it to me. I believe they need to show this evidence, if not, refund the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Coastal Credit, LLC
State: NC

Complaint narrative:
COASTAL CREDIT LLC is reporting a fraudulent auto loan on my credit report. I have reported the fraudulent account to the police department. I have submitted the police report, id theft affidavit, and letters stating I am a victim theft to COASTAL CREDIT , LLC and the credit bureau on 3 separate occasions and the letters are dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have not deleted from my credit report nor have they responded to my certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection
State: VA

Complaint narrative:
This is my third and final time requesting validity of this debt. Please note that I had previously filed complaint no.s XXXX and XXXX. 

Both times requested validity of the debt and have yet to receive the requested info meaning this company is in clear violation of the Fair Debt Collection Practices Act and this erroneous collection account needs to be removed from my credit report ASAP. I never received anything via mail or phone call from This company. I just keep getting a XXXX response that there were 42 months remaining in my contact which is not true at all, especially since I cancelled services less than a year into having XXXX as law enforcement showed up at the wrong address on several occasions when the alarm was triggered. 

What baffles me the most about this company is the fact they they either a ) dont know or b ) dont care that the consumer complaints and company responses are being monitored by fraud investigators and attorneys. VALIDATE THE DEBT OR REMOVE IT This company is in clear violation and needs to be investigated thoroughly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My mother who has been diagnosed with XXXX XXXX designated me as her power of attorney for financial transactions. After Hurricane Harvey, she received {$11000.00} from FEMA for her flood damaged home. Having had access to her accounts for the last 10 years, on XX/XX/XXXX, I transferred the FEMA funds to my account and then to her bank account at a Credit Union to be saved towards the repairs on her home. I made 5 transfers over the course of 3 days to move the funds. On XX/XX/XXXX, my mother went to the credit union and withdrew the FEMA money in cash. 

On XX/XX/XXXX, someone unbeknown to me, took my mother to the bank and she told the banker that I beat her up and stole her FEMA money. This banker, called the police and Adult Protective Services on me. Wells Fargo then proceeded to put a freeze on my accounts and debited {$11000.00} from my Wells Fargo Account. I was not notified of this action or given an opportunity to present documentation that would support the fact that I had the authority to do so despite numerous attempts to inquire. Even the police department was aware of my mother 's numerous claims that someone was stealing her stuff despite no evidence to support the accusations. 

I was treated like a criminal who was guilty before proven innocent. Wells Fargo made me wait 10 business days before they told me that the claim was found in favor of the claimant and that I would have to open new accounts to regain access to my remaining funds. I proceeded to close my accounts because I do not want to do business with a bank who took my money unfairly, charged me overdraft fees and didn't allow me an opportunity to prove my innocence. 

Essentially they gave my mother twice the money she was due because their researchers only took the claims at face value without truly completing a proper investigation.

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 2018-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
Employee number XXXX ( XXXX, XXXX, XXXX, all same man ) has repeatedly called me and when I ask for verification he hangs up on me stating he is done with the call. I have asked to speak with the supervisors only to be given another name but the same gentleman. They tell me that there is only him Monday- Friday. No one else can assist me. Very rude and unethical communication. Ceist and disist is inorder for not following proper procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I took out a loan with XXXXXXXX XXXX back in XX/XX/XXXX for $ XXXX to buy my home. It is allegedly now being serviced by Caliber Home Loans and they have failed to give me a complete payment history of payments made to XXXX  and transferred to them in XX/XX/XXXX.  Also I paid into an escrow account for taxes and insurance and they have failed to pay me the 2 % interest at the end of the year. I have now had to join a class action and they keep deny sending me the requested information. They are also trying to unlawfully foreclose on my property when it is in BK and I only owe them $ XXXX. ( See attached RETRAN document ). Please audit this loan asap. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
My house was listed last XX/XX/XXXX, but I have made multiple attempts at loss mitigation. We finally got a buyer in and Ditech told us the offer was too low. We put it back on the market and got an offer that met what they wanted and then they issued approval. We were so happy. The buyers are a young couple that had to get a loan. Their lender 's lawyer said they needed until XX/XX/XXXX to close. Ditech only gave them until XX/XX/XXXX to close and then set an auction for XX/XX/XXXX. I can not go through all of this for them only to foreclose right before the buyer is ready. There was no reason for them to set this auction RIGHT before the buyer was able to close. We have short sale approval and the buyers are at the mercy of their lender and they are working diligently to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: IL

Complaint narrative:
I first found this bill listed on my credit in XX/XX/XXXX by the company XXXX. I mailed a request for debt validation the same month, which was returned to me because the company refused delivery. I mailed another request for validation in XX/XX/XXXX and received a letter from XXXX with an attached final bill from XXXX from the months of XX/XX/XXXX through XX/XX/XXXX. I contacted XXXX in XX/XX/XXXX and filed a fraud complaint because I had no knowledge that the account was opened in my name and was XXXX from XX/XX/XXXX through XX/XX/XXXX. I received no response from XXXX, however the debt was removed from my credit report from all three major reporting agencies shortly after. 

On XX/XX/XXXX the same debt reappeared on my TransUnion report, but the company reporting it is XXXX. I sent a request for validation in XX/XX/XXXX and received the same invoice that XXXX sent. I made a complaint to CFBP last week that XXXX failed to validate the debt with any contract that included my signature or any other information that I requested. XXXX responded to the complaint with the same letter that was mailed to me that included the same invoice.

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 2018-06-11 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: GA

Complaint narrative:
I sent a payment to Citi Bank in error and would like that money refunded. As of XX/XX/XXXX I no longer have an active credit card with XXXX XXXX Citi Card Visa, that card was replaced with a a XXXX XXXX American Express in mid XX/XX/XXXX. XXXX XXXX entered an exclusive partnership with American Express and replaced the Citi XXXX XXXX Visa card with an American Express card. Unfortunately I did not properly remove Citibank credit cards from my XXXX XXXX XXXX bill pay and inadvertently sent Citi Cards a payment in the amount of {$110.00} on XX/XX/XXXX that was meant for the XXXX XXXX American Express Card. 

I received a letter from Citi Cards dated XX/XX/XXXX which was addressed to my husband XXXX XXXX, ( his name appeared first on our check that Citi Bank received from XXXX XXXX XXXX ) acknowledging receipt of the payment and their inability to identify an account. ( I no longer have a Citi Bank credit card ). However Citi Bank deposited the payment. I contacted Citi Cards and spoke with three different representatives on XX/XX/XXXX in an attempt to resolve this matter. I do not recall the first rep 's name, XXXX was the second rep and the last woman I spoke with would not give me her name but said she was a manager for the department and was unable to help me because I do not have an account with them, she suggested I call American Express or go to a Citi Bank branch office. None of the representatives that I spoke with from Citi Cards could explain why the payment was processed when there was no account found in their system to coincide with the payment. I contacted my bank, XXXX XXXX XXXX and their representative explained they were unable to stop the payment because the check had already been cashed/deposited by Citi Bank.

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 non-monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Our mortgage was sold to a new company in XX/XX/XXXX. We received a letter about this at the end of XX/XX/XXXX, and I called both my company and the new company, Shellpoint Mortgage, because the sale date was right after our mortgage due date. I was advised to send my payment as usual, and that there was a grace period for payments while the details were being worked out between the two companies. This information was also in the letter we had received. Our payment due in XX/XX/XXXX was sent and the check was cashed. We received a coupon from Shellpoint Mortgage for our XX/XX/XXXX payment, which I sent early. This check was also cashed. 

Today, these scam artists sent us a letter dated XX/XX/XXXX ( the due date for our mortgage payment ), but postmarked on XX/XX/XXXX. By this date our XX/XX/XXXX check had been cashed. Upon calling these rats, they claim we never paid for XX/XX/XXXX. I have all these letters. This is nonsense. I realize XXXX XXXX has been working to gut this agency in service of creeps like Shellpoint,  but please do your job and make them do right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I CONTACTED WFHM REGARDING A FINANCIAL HARDSHIP THAT WAS APPROACHING TRYING TO PREVENT FROM BECOMING BEHIND ON MY MORTGAGE. DURING THE PROCESS I DID NOT AGREE WITH THE PACKAGE THEY PRESENTED SO I DID NOT ACCEPT THE OFFER. DURING THIS TIME I COMPLETED MY REGULAR PAYMENTS HOWEVER I WAS NOT ABLE TO MAKE MY PAYMENTS ONLINE WHICH IS MY NORM. DURING THIS TIME WELLS FARGO DID AND PROCESSED ANOTHER ESCROW ANALYSIS. THE ANNUAL ECROW ANALYSIS STATEMENT DATE WAS XX/XX/XXXX THEN ANOTHER STATEMENT CAME OUT ON XX/XX/XXXX, LESS THAN 30 DAYS LATER. 


HOW IS THIS LEGAL? I DID NOT SWITCH INSURANCE PROVIDERS ... NO ONE FROM THE ESCROW DEPARTMENT EVER REACHED OUT TO ME EVEN AFTER I REQUESTED A CALL BACK FROM MANAGEMENT. 

I DID NOT ACCEPT THE REFINANCE OFFER BECAUSE THEY WANTDE TO MANIPULATE MY PAYMENTS TO HAVE IT APPEAR THAT I WAS 3 MONTHS BEHIND ON MY MONTHLY PAYMENTS WHICH IN THE LONG RUN IS NOT HELPING ME OR MY FAMILY ... .IT WOULD ONLY DAMAGE MY CREDIT AND SINK ME INTO A DEEP PIT OF DEBT.

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 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Hello, I would like to file a dispute with you in regards of capital one. 

I filed a claim with capital one for unauthorized charges and they did not resolve my dispute. I am including transactions and dates. These charges were unauthorized and they have reversed charges on my account debiting my account almost {$2600.00} Please help me with this as this is a lot of money and Capital one will not help me any further. I think they are in violation of regulation E. 

They sent me documentation that makes no sense to me and does not prove that I made any kind of purchases with this company. 

Thanks for filing claim number XXXX. 

We received your request to reassert an error on the following transaction ( s ). We finished looking into your dispute and didn't find any errors after checking our records. So, we're denying your claim and closing your dispute. 

As requested, here are the attached docs used to make our decision. 

Transaction Date ( s ) and Amount ( s ) XX/XX/XXXX - {$100.00} - XXXX   XXXX XX/XX/XXXX - {$110.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$90.00} - XXXX XXXX XX/XX/XXXX - {$23.00} - XXXX XXXX XX/XX/XXXX - {$71.00} - XXXX XXXX   XX/XX/XXXX - {$98.00} - XXXX XXXX XX/XX/XXXX - {$32.00} - XXXX XXXX XX/XX/XXXX - {$40.00} - XXXX XXXX ransaction Date ( s ) and Amount ( s ) XX/XX/XXXX - {$150.00} - XXXX XXXX   XX/XX/XXXX - {$140.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$76.00} - XXXX XXXX XX/XX/XXXX - {$120.00} - XXXX XXXX   XX/XX/XXXX - {$95.00} - XXXX XXXX XX/XX/XXXX - {$140.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$50.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$47.00} - XXXX XXXX XX/XX/XXXX - {$45.00} - XXXX XXXX XX/XX/XXXX - {$140.00} - XXXX XXXX   XX/XX/XXXX - {$50.00} - XXXX XXXX XX/XX/XXXX - {$50.00} - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Have sent them 3 certified letters to dispute and substantiate the debt. All 3 have been ignored and no action was taken. They are in serious violation of the FCRA.

Letter # 1, Sent XX/XX/XXXX, Signed for XX/XX/XXXX, formally disputed debt, they failed to update my credit reports to indicate this within the required 30 days Letter # 2, Sent XX/XX/XXXX, Signed for XX/XX/XXXX, indicated that they violated FCRA by not updating my credit reports within the 30 days, received form letter not addressing issue Letter # 3 Sent XX/XX/XXXX, Signed for XX/XX/XXXX, requested substantiation of the debt bearing my signature, received same form letter I have retained copied of the certified letters sent, certified mail confirmation and all documentation related to this matter should you need copies or clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Last minute requests for more documents then hitting me with lock rate extensions. I applied for the loan and locked my interest rate. At the end of the rate lock Wells Fargo would ask for more documents and I would give them to them and they would have to extend rate lock and try to blame me and charge me for rate lock extension. This went on and on with up to 5 or 6 rate lock extensions until I finally let them know that I would not pay for the last rate extension. I was told that they would let me know what they were going to do. They did not let me know until I called them a week later. Thats when I was finally told that someone from the complaint department would get back with me. That was over 10 days ago and I never heard from them again. The loan I applied was a no brainer as I have banked with Wells for years, my wife and I have great credit with over 800 credit scores, and we were refinancing and paying the 1st down by about {$40000.00}.

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 2018-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have had XXXX Rewards and XXXX Rewards Club cards for many years. They are managed by Chase bank ( Chase.com ). Over the past month Chase did not allow me to see my transactions or pay my bills over the internet. I am sure they are dong this to bill me late fees as no one in the organization can answer any of my questions as to " what is going on ''. They are blocking me from their payment site. I am not sure if they discriminate against all XXXX   seniors or just doing this to collect additional fees. I appreciate any help in resolving this issue, other wise my only actions are legal discrimination suits. In the past week I have cancelled my XXXX Rewards card and most likely do the same with XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: FL

Complaint narrative:
I was doing online inquiry in relation to a real estate purchase and I contacted support informing them the numbers were incorrect/old and told them I submitted page to proceed only to find the terms. They did not communicate with me and continued to process the loan. They sent an email in reply to the support request the day they processed the loan. I never agreed to finalize the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: FL

Complaint narrative:
My identity was used to open a credit card through XXXX XXXX XXXX XXXX in the amount of {$300.00} opened on XX/XX/2013 by some unknown individual. XXXX XXXX XXXX XXXX  I assume was unable to contact me because I wasn't the individual involved and as a result sold this account to XXXX XXXX XXXX XXXX XXXX a debt collection agency. Recently I had two collection accounts negatively affecting my credit report and FICO score. I contacted all agencies involved concerning my files and after further discussion XXXX XXXX XXXX was kind enough to have all credit reporting agencies delete my files. However when I contacted XXXX XXXX XXXX XXXX several weeks ago they did not provide me with via mail : How the account was applied for, what transactions if any were made on the account, what identification was used to open the account, and/or the address used in the process. Because they didn't provide this information I was unable to file a police report with the City Of XXXX for identity theft. As of today this account is still showing negative on XXXX and Equifax credit reporting agencies adverse affecting my score. 


I truly believe that the government should take action and not allow banks or any other companies continue to open accounts on-line because identity theft has become prevalent in our community. This crime wave has caused numerous of hardships in America and was only enacted because of greed. Now organizations are offering fraud protection programs which is completely unnecessary if we get back to the old way of conducting because which is face to face contact with required identification.

Company response to consumer: Closed with explanation