vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
For years I've been struggling with opening up a bank account. Before Ive tried going to the police going into the banks myself and trying to open an account. I'm trying get to somebody because ive been trying to purchase a home for the past couple of years and im not able to save any of my money through prepaid cards or even live my life as an actual adult due to all these early warnings.

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 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
XX/XX/2021 MoneyGram Transfer Online to : XXXX XXXX, for {$15.00} USD to XXXX, XXXX XXXX was transmitted, reference # shown then quickly delete & account blocked as a Plus Member # XXXX customer in good standing treated with the 3rd degree of suspicion when speaking with Supervisor XXXX. 
Previously XX/XX/2021 a transfer to a girlfriend in XXXX ( A gift ) another transaction made online, it should not have been necessary after multiple tries online & the app for me to go to a location, and treated in the 3 degree. The transaction process went through all the steps until 'send payment ', each time getting the error or exception occurred. 
Noone at MoneyGram is willing to addressed the disparity in sending money online to XXXX. As a professional no MoneyGram official is willing to even look into this and offer a comprehensive solution which is discriminatory in nature. 
Unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: IL

Complaint narrative:
I have inquiries on my credit report I never applied or signed my signature for on Equifax and XXXX  Equifax fraudulent inquiries and dates are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fraudulent inquiries and dates are : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I would like removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I noticed this collection on my credit reports. I tried to contact them regarding proof of debt because I have no knowledge of this account and I don't use this service provider.

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 2021-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: AL

Complaint narrative:
I applied for Public Loan Forgiveness after my 120th payment to Fed Loan Servicing on XX/XX/21. I did not hear that they received my application. I called in XXXX and was advised they received it and it would probably take 3 months to process. I called in XXXX and was told the same. I called in XXXX and was again told it would take up to 6 months. I received a letter from Fed Loan Servicing on XX/XX/XXXX acknowledging qualification for 121 payments and it also shows that I have made all necessary employer certifications. I again called Fed Load Servicing and they said it could take an additional 6 months to put the application through the vetting process with FAFSA. That would move approval up to XXXX. 
I have appealed to my Senator, filed a complaint with FAFSA, and FSA Ombudsman Group. 
I am XXXX XXXX XXXX working in a XXXX XXXX in Alabama in XXXX XXXX. This year was stressful, but I always thought I would retire in XXXX of this year which helped me get through. Now I am not sure when I can apply for retirement or XXXX XXXX XXXX ( must apply 1 month in advance of my retirement date ). 

I feel like all verifications have been made and am appealing for an investigation and request for expedition of this process. I have met my obligations in this contract and I need someone to hold the Department of Education in Accountability for the this back log.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/2020, CCS Collections added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all shown. A bill without a signature does not validate the debt and anybody can send and say its mines. According to the FCRA, CCS Collections has violated rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I noticed this on my credit reports. I have no knowledge of this account or debt. This is not my provider & have not used this service since I previously paid off a debt from XXXX XXXX XXXX and have not used them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: OH

Complaint narrative:
PayPal Limited My Account and They Can not Tell Me Why PayPal I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. PayPal decides if you are allowed to use your account or not They decide if you have access to your money or not I would have not made such a big case out of it because I did not have all that much money in my account. 
I sent all my documents, and there is not any fraud or risk. if you don't want me get back my account is fine is like arbitration decision. 
I just want my money now. if you can 50 % now. 

My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: TX

Complaint narrative:
I noticed this on my credit report. Tried to settle it with the company since I have no knowledge of this credit card and did not have an account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Improved Data Services LLC
State: NY

Complaint narrative:
Getting phone calls repeatedly from a company calling itself " Improved Data Services, LLC '' about a debt. They told me on the phone they were not allowed or willing to send me a written verification of the alleged debt but wanted my bank account number immediately. Have called me as many as ten times per day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: MN

Complaint narrative:
When trying to pay off a settlement with a creditor that The Gitmeid Law Firm negotiated, Gitmeid repeatedly failed to send me documentation they said I needed to pay off the settlement with a creditor. 

Furthermore, they also claimed they had trouble getting information from creditors stating my accounts were settled. Only after I personally contacted the creditors they negotiated settlements with did I receive the documents I needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/2021 I sent a payment in the amount of {$1000.00} to a local business for the purchase of a transmission. The item was received in person and the sale was completed. PayPal is refusing to release the funds to the seller for 21 days. The " confirm receipt '' button on my payment transaction is not available. PayPal claims it is supposed to be available 48 hours after I sent the money to the seller, but there is no such button on this transaction via Desktop/Laptop using XXXX XXXX, my mobile phone, or any other device. 

PayPal Customer Service via phone can only promise to have " management '' look at it but each time they were supposedly opening a ticket I was conveniently hung up on. I have now made multiple calls to PayPal without being able to resolve this. I used my PayPal Mastercard to fund this transaction, so I will be forced to pay the {$1000.00} balance off BEFORE the seller even receives the funds. And, because PayPal is holding the funds, I will now have to take a check across town for {$1000.00} to pay the seller because they can not wait 21 days for the funds to clear. 

The CFPB should investigate this further and sanction PayPal because there are *DOZENS* if not *HUNDREDS* of similar complaints on forums and websites. In each case, the situation is virtually indistinguishable from my own. Buyer purchases an item in person, makes a rent payment, or sends money to a friend to pay for an item. PayPal states the buyer simply needs to click the " confirm receipt '' button to release the funds to the seller. However, the button does NOT show up up ( whether due to a technical glitch or intentionally ), and PayPal will not allow the Buyer to release the funds even if they fully verify their identity and request to do. It can only be done by pressing the button that does not exist. PayPal reps claim they are baffled that the button does not exist, but there is no easy process to open a ticket or receive customer service as each time I've called in I've been hung up on. PayPal needs to resolve this immediately. The CFPB should not allow PayPal to simply respond to this one complaint and avoid the broader problem that clearly exists.

I have an exceedingly long PayPal history and I purchased an item from a reputable business. I have contacted PayPal and told them the item has been received. They are holding the seller 's fund in violation of their own policies, and I believe this activity is intentional and collusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
When I purchased my home, I took out a mortgage with HomeBridge Financial Services. Everything has been great, up until this last year. The mortgage company escrows my insurance and taxes, and my insurance is due in XXXX of each year. In XXXX of XXXX, my insurance agent mailed the invoice to the mortgage company. In in XXXX of XXXX, HomeBridge sold my mortgage to a new servicer. I received my new statement for my new servicer & my payment increased by $ XXXX/month. When I inquired, it was because of the escrow. I found out through my insurance agent that HomeBridge never paid my insurance policy in XXXX of XXXX. I immediately called HomeBridge, they refuse to speak with me because I am not longer a customer ( since they sold my mortgage not even 1 month ago ). I finally got through to someone who in turn hung up on me & told me they wouldn't help me. She informed me that they forceplaced insurance in XXXX of XXXX because the home needed to have insurance ( OBVIOUSLY! ). If they would've paid the invoice that my agent sent in XXXX, this would never have been an issue!!!! Insurance rates have skyrocketed in my state, so now to get a new insurance policy in place, I have to pay for new inspections, and my premium is going to be MUCH higher than it was when my agent sent the invoice back in XXXX. I am out HUNDREDS if not THOUSANDS of dollars because HomeBridge is incompetent and refuses to take responsibility for their mix up. The woman at HomeBridge acknowledged they never tried to call me, but they may have mailed me something ( which I never received ). How could I have fixed this if I didn't even know it was an issue????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
First I never received any notice if this debt to verify or dispute it I never seen it till I seen it on my credit report I requested the credit bureaus investigate this debt on XX/XX/2021 and only XXXX verified the debt I then contacted the agency on XX/XX/XXXX I was told I could settle and close the account for {$80.00} I paid the {$80.00} on XX/XX/2021 when I contacted the company today XX/XX/2021 I was told that the {$80.00} would not settle the account I needed to pay {$130.00} more to settle the account. When first contacting them via Chat the rep never even told me this was an attempt to collect a debt over all I feel lied to and would like this account to be settled. Also I feel like I was being recorded without permission online from my computer because when I spoke out loud about what was going on the online chat screen disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
In year 2015 I had received a title loan and I had paid it back on time they continued to repossess my vehicle so I took them to court in XXXX XXXX CA XXXX XXXX XXXX XXXX small claims. The judge had ordered the debt paid and they were to no longer try and recover any more money from me this is not been the case situation arose after I realized it a few years later when I got a call from a debt collector saying I owed {$5000.00} to loan Mart. So I called loan mart and I told him about this. I reminded them that I no longer have a debt with them and we had went to court and the judge ordered them stop harassing me and trying to collect my money so I thought this is taken care of but my credit score has an improved I recently got my credit scores from XXXX  and all the other ones and I noticed that the debt they are trying to impose on me with the credit agencies which is ruin my credit is now over {$10000.00} the judge had ordered this debt paid in 2015 and they continue to try and go after me for my money. The information is XXXX XXXX XXXX 2015 XXXX XXXXXXXX this is a case number for XXXX XXXX Superior Court in California proving that the judge had ordered them paid that I do not owe them and needs to be investigated it needs to be removed from my credit report I had written credit agencies and ask him to take this off of my credit score and they have not please correct this matter for me you can get a hold of me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
Pollack and Rosen was retained by XXXX XXXX to collect on a debt for XXXX XXXX credit card. The debt was filed in XXXX XXXX court XXXX. They served my mother XX/XX/XXXX who is a well documented belligerent drunk who doesnt even know who she is sometimes. I was not notified this even occurred until applying for an apartment for myself and XXXX kids. Upon review I found out they got a default judgement for me because I didnt show up to court. How was I supposed to show up if I had no notice. I havent lived at that address since XXXX! Pollack and Rosen is well known for their shady business practices. Definitely not for the consumer. They dont care about anyone. I lost my job during the pandemic and took a massive paycut. This debt was also disputed as it was partially accrued through identity theft by an ex friend.

Pollack and Rosen also filed suit against me on a XXXX XXXX credit card. It was filed in local court on XX/XX/XXXX and dismissed for lack of validation on XX/XX/XXXX. So I am pretty sure they cant validate legally the other debt either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I noticed this on my credit report. Tried to settle it with the company since I have no knowledge of this credit card and did not have an account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I started a refinance of my VA loan using the IRRRL with a new lender. On XX/XX/XXXX, Loan Depot began violating Title 12 U.S. Code 2605 ( k ) ( 1 ) ( C ) by misallocating payments, to wit, ( 1 ) paying the old home insurance company twice in the amounts of ( {$1800.00} ) that were not due to them from my escrow account ; ( 2 ) failing to pay my new home insurance company in the amount of {$740.00} which was due on XX/XX/XXXX ; ( 3 ) removing my XX/XX/XXXX payment and sending it back to me in the form of a check in the amount of {$1800.00} ; ( 4 ) charging me a late fee for the month of XX/XX/XXXX payment that they erroneously sent back to me in the amount of {$73.00} ; ( 5 ) because of the herein stated they could not finalize a Payoff amount need for me to set a closing date for the refinance of my home ; XXXX 6 ) on XX/XX/XXXX filed two Notices of Defaults against my home instead of correcting their errors regarding the payments for XX/XX/XXXX and XX/XX/XXXX to avoid a non-judicial foreclosure problem theyve created with these payment errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial XXXX and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I reached out to TransUnion about having XXXX Bankruptcy on my file. They said that they would remove it. Its not showing on any of my other bureaus. Once I did that I automatically got a point reduction that lowered my credit. Looking at my credit file compared to others that are quite the same, my score with them and the other bureaus are low. Im praying that this is not a color factor because others with the same credit as mine have much higher scores.

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