vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
My name is XXXX XXXX. 

I am a PayPal customer with email address XXXX Last year, PayPal frozen my account and withheld my money which I received from the state and ruled that I will have access to my money after 180days due to high risks which I didn't understand about.

PayPal is using same techniques to steal customers funds as thousands of people have Complaint about it too.

PayPal told me that I would have my money on XX/XX/2021 through emailed last year when I raised a concern appealing to get the limitation removed. 

I have waited so Long and on XX/XX/2021 I got email from PayPal saying my funds were eligible for withdrawal. But when I want to link my debit card to withdraw it, PayPal says there is issue with my account and I should contact customer service.

I have been PayPal contacting customer service to make adjustment for me to link my debit card to withdraw my funds since the previously linked debit cards are not active. But PayPal customer service representatives I have come in contact with are unprofessional and untrained as they always give a copy and paste response which doesn't even partain to the issue I raised.

My only issue is that I want to be able to link my debit card so I can withdraw my funds.

I want anybody attending to this Complaint to forward this to a specialist in the limitation department to resolve my issue and then to get in touch with CFPB, California Attorney General and XXXX that they have made the adjustment for me to add my debit card, and also I want PayPal to give me a call.

I want to also suggest that the management of PayPal should retrain the customer support teams to handle customers Complaints effectively and not the hectic " copy and paste '' response everyone is complaining about which doesn't resolve any issue.

Also if PayPal put customers account on limitation and ask the customer to wait for 180 days before having access to funds, PayPal should make sure that after 180 days, all features for the customer to withdraw his/her funds are made available so that the customer will withdraw his/her funds without having to contact the untrained support which doesn't exist. 

I have sent more than 50 emails and messages to PayPal without any solution and it's very sad other customers are going through the same process.

After the 180 days, PayPal should enable all features for exit of funds to the customer.

I need my issue resolved and I will never use PayPal again.

I will attach the error message which I receive, a screenshot of email from PayPal saying my funds were eligible for withdrawal I need my issue resolved asap without any delay.

I don't want a response that doesn't resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
OFFICE OF THE ATTY GEN {$16000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type XXXX XXXX Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$16000.00} - Payment Info Status Past due 150 days Status date XX/XX/XXXX Past due amount {$16000.00} Original loan amount - Monthly payment {$450.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - 120 - - - - - - - - - - 120+ Days Late - Data Unavailable Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX TX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account 1 collection account Total balance : {$1400.00} AMERASSIST AR SOLUTION Original creditor : XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
Mortgage was paid off XX/XX/XXXX. XXXX months later, I have not yet received Escrow reimbursement. In phone call XX/XX/XXXX Customer Service informed me they have other clients to service. 

By law, lenders are to issue Escrow reimbursement within three weeks of mortgage payoff. PNC is in violation and should be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 — Was not notified of investigation status or results
Company: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Account Systems of Madison, Inc
State: WI

Complaint narrative:
On XX/XX/XXXX I filed a Ch XXXX in the State of Wisconsin Bankruptcy Court docket number XXXX. Presiding over that hearing, was XXXX XXXX Ch XXXX Trustee. Included in that filing were several medical bills from XXXX held in collections by NAS National Account Systems of Madison WI XXXX XXXX XXXX # XXXX, XXXX, WI XXXX ( XXXX ) XXXX. 

Approx 3 months after the bankruptcy hearing, NAS removed all collections as active citing them under the bankruptcy. In XXXX, NAS re-aged those same medical bills, gave them new acct numbers and re-listed them as ACTIVE and reported them to the Credit agencies. I then called NAS and they removed them a second time. 

On XX/XX/XXXX, NAS AGAIN re-aged these same medical bills gave them new dates, acct numbers and re-listed them as active collections to the credit agencies. This resulted in my score dropping 44 points as of XX/XX/XXXX which is how I found out NAS had done this again to me. I have worked very hard over the past two years to rebuild my credit after filing the initial bankruptcy in XXXX and it was just reaching the XXXX score prior to NAS illegally doing this again with these discharged debts.

I contacted NAS on XX/XX/XXXX, left a nasty expletive laden voice mail to them, called my bankruptcy attorney and contacted the Hearing Officer, XXXX XXXX. I then disputed these debts as active collections with the Credit Agencies and now I am contacting you for investigation and sanctions to be levied against them ( NAS ).

The first time they re-aged a re-listed these post bankruptcy, I bought their excuse it was a " mistake ''. I let it go. However it is less than one year later after that and they have done it again. They did not call me at anytime for that would have alerted me that they were seeking to collect and they knew that these were discharged through that XXXX bankruptcy. NAS decided to again go behind the scene and place them for collections with the credit agencies. Prior to filing the bankruptcy this agency ( NAS ) hounded me constantly vis telephone for payment. post Bankruptcy this agency did call me ONCE asking for payment but instead, just re-listed them as active to the credit agencies. Now that, is BS and can in no way be construed as a simple mistake or error on their end the second time around.

Since they have violated the bankruptcy laws of WI as well as caused adverse action o t be taken against my credit score, I am seeking damages- punitive as well. I gave them the benefit of the doubt post bankruptcy the first time they re-listed these as active in XXXX. I am not giving them the benefit of the doubt this time or, letting them get away with this, this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I have a VENMO Debit Card and they had an offer if I made a purchase at XXXX or in the store I would get a {$20.00} statement credit. This charge was made on XX/XX/15 and I have yet to receive the $ @ XXXX statement credit. I have emailed them any times and get a different answer each time with no path to resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have already submitted a complaint. The company replied with the same canned response they have replied to me with for over a year now. They did NOT answer any unresolved questions. They did NOT provide documentation of charges. I contacted them by phone and email to the contact information provided on the reply and to date have NOT received a response. I am filing another complaint for the SAME issue. 

Complaint review : I have attempted to obtain this information for over two years now. I submitted requests with the previous servicer as well as the current one. There are a number of charges to my escrow account that the servicer will NOT verify as accurate. I have requested copies of reports and invoices charged to my account and only receive some of them. They have gone so far as to send duplicates in an effort to make my request appear complete. I have spent countless hours reviewing the partial documents sent to me. I'm still being charged for items on my escrow account with zero documentation of what they are and if they are valid charges. Additionally, I'm in a repayment plan and was forced to add the total amount of the escrows, including the disputed amounts to the plan. This is ridiculous. I need help. 

Shellpoint is trying to take the position that they are not attempting to collect a debt to a past bankruptcy. However I am in a repayment plan where they have added these charges to my repayment plan. If I don't comply with the payment plan and pay all of the charges they will foreclose. These charges are not valid. 

They have random legal fees and have told me that I have to contact their attorney to get copies of invoices. Well have you ever attempted to contact someone else 's attorney and get information from their account? That doesn't work! They will not even return calls or provide any information. 

I'm personally being billed for these things and am simply asking for copies of what I'm being asked to pay. They will not provide. That leads me to believe these charges are NOT valid and should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: TX

Complaint narrative:
OFFICE OF THE ATTY GEN {$16000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Child Support Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$16000.00} - Payment Info Status Past due 150 days Status date XX/XX/XXXX Past due amount {$16000.00} Original loan amount - Monthly payment {$450.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - 120 - - - - - - - - - - 120+ Days Late - Data Unavailable Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX TX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account 1 collection account Total balance : {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX 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 2021-03-16 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: TX

Complaint narrative:
OFFICE OF THE ATTY GEN {$16000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Child Support Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$16000.00} - Payment Info Status Past due 150 days Status date XX/XX/XXXX Past due amount {$16000.00} Original loan amount - Monthly payment {$450.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - 120 - - - - - - - - - - 120+ Days Late - Data Unavailable Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX TX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account 1 collection account Total balance : {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
There was an agreement to remove the debt completely off my report upon me submitting a payment and I did that. 
The status states paid on my report/ but its not removed as said.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I noticed an unauthorized charge on my checking account. I contacted Chase immediately and Chase agreed it is because of my debit card/ checking account information was hacked. 
On XX/XX/XXXX I received a letter from Chase, stating " As we discussed and agreed, no action will be taken ''. 
First of all, I never agreed to " no action will be taken ''. Second, this is my account being hacked, and " no action will be taken '' is how Chase respond to it?????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I notified Transunion that an account apparently owned by XXXX XXXX XXXX XXXX corresponds to an account that was over 10 years old which should no longer appear on my credit report. They claim to have investigated the dispute but they claim to have verified that it was accurate despite the account being over 10 years old. Since the account is over 10 years old they can not have any valid proof that I entered into any agreement that corresponds to a valid and current debt. I have previously notified XXXX XXXX XXXX XXXX in writing that I believe this debt is too old to be reported on my credit report and asking them to provide documentation showing that it is a valid/current debt but they have ignored my requests for information and are instead fraudulently reporting this on my credit report.

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 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: GA

Complaint narrative:
No assistance has been offered to avoid foreclosure during this COVID pandemic. 
I received a notice of foreclosure dated XX/XX/2021 from their attorney on XX/XX/2021. I contacted the attorney to verify debt and they will send out information to confirm debt. I then contacted the Company on XX/XX/XXXX via email, they responded to my email requesting on XX/XX/2021, my phone number. I sent the information on XX/XX/XXXX and I have not heard anything from mortgage company. On XX/XX/2021, I spoke to someone from the company 's collection department and she stated she would call me back to see if payment arrangements would be acceptable. As of this date, I have not heard from the company 's collection or loss mitigation departments to assist me in avoiding foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AE

Complaint narrative:
I have been a customer of Citibank on a couple occasions. Most recently, I applied for and received a credit card to take advantage of an introductory offer for balance transfer. From XXXX of XXXX of XXXX I had spent and paid {$26000.00} dollars on my active account. 

Every payment that I made on my account was over-paid ; at least XXXX dollars per month, even though my minimum monthly payment was always below XXXX. Some instances included massive XXXX and XXXX dollar payments. On my primary card with XXXX, when I overpay - the following month won't show a balance, not sure if this is the case with Citi because I had automatic payments set. 

In XXXX XXXX XXXX I made an adjustment on how my banking accounts were dispersed due to XXXX that resulted in a returned payment in XXXX and again in XXXX XXXX XXXX. Both payments that were reversed were immediately paid by me using a different account as soon as I was notified by Citi of a problem. Again, I made every single monthly payment always in excess of the minimum amount due. Both XXXX and XXXX 's payments were immediately resolved and pad in the same month and in excess as all others. Finally, in XXXX the same situation occurred as I changed my accounts back to the normal configuration ; immediately upon notification I rectified the situation in the same period and have continued to pay in excess of my minimum due every month. Even though I communicated this to the customer support as soon as I was made aware, this did not affect the decision to terminate my account. It seems excessive to shut down a positive account from a low risk client who spends a significant amount of money with Citi and always overpays, never skipping a payment during a global pandemic. Had I made manual payment, this would have never occurred, however, due to the use of automatic payments and the slow notifications to the consumer, I have now been cancelled. Had this been my XXXX card, I wouldn't have even had a minimum payment die because the payments were so high and frequent, sometimes more than once or twice a month. This seems like bad business to me, especially during these times. I am embarrassed and insulted to be rejected as a result of my loyalty and consistent positive account stewardship.

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 2021-03-16 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX of XXXX, I was notified by XXXXBMO Harris Bank that I was approved for a forbearance for months, XXXX XXXX, XXXX due to COVID. The XXXX reps name is XXXX, initials, XXXX. 
In late XXXX, I received a call from XXXXBMO Harris bank to inform me that my forbearance was not approved. I was notified that the XXXX rep informed me of the forbearance approval in error. This was a problem because XXXX and XXXX payments were already missed. I then asked for a Supervisor who eventually had the recording pulled of the conversation where I was notified of the approval. The Supervisors name is XXXX XXXX. I was led to believe that since XXXX made an error, the three months could be placed on the back end of the mortgage loan. Instead, XXXXBMO Harris Bank reported a 90 day delinquency on my account, which caused my credit score to drop XXXX points. When I learned of the negative reporting, I managed to make a payment to bring my account current, early XXXX, XXXX. I had exceptional credit, score XXXX, until this error occurred. Now my credit is unbelievably low, after I have worked so very hard to maintain my credit through the years. There is no way I neglected my mortgage. My credit history speaks for itself. I need the delinquency removed from my credit report. I can not accept anything less. I have worked too hard through the years to gain an XXXX credit score to fall victim of someone elses error. Please help me,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
I notified XXXX  that an account apparently owned by MOUNTAIN RUN SOLUTIONS LLC corresponds to an account that was over 10 years old which should no longer appear on my credit report. They claim to have investigated the dispute but they claim to have verified that it was accurate despite the account being over 10 years old. Since the account is over 10 years old they can not have any valid proof that I entered into any agreement that corresponds to a valid and current debt. I have previously notified MOUNTAIN RUN SOLUTIONS LLC in writing that I believe this debt is too old to be reported on my credit report and asking them to provide documentation showing that it is a valid/current debt but they have ignored my requests for information and are instead fraudulently reporting this on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation