vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2020 PayPal sent me an email stating that they were closing my account and would be holding any funds in my balance for 180 days. The email did not contain any explanation of their decision to close my account. I was able after holding on the phone for several hours to speak with a live agent who said my account had been closed because of price gouging. He stated that I had been warned by PayPal and when I said that was not true he said that XXXX had warned me, which was also not true. XXXX did remove my listings because I listed a package of items which included hand sanitizer and masks and they stated that because they were having problems with price gouging they were only allowing authorized vendors to sell those items and were not accepting applications for new vendors. I was able to relist the original item with just the nitrile gloves with no problem and pricing was similar or less than all other listings on XXXX. PayPal had previously limited my account only due to the fact that my volume had increased so drastically that they were requiring invoices for the product I was selling and proof of ownership of the company which I provided and my account fully restored twice before this. When they arbitrarily closed my account and accused me of violating the acceptable use policy I had {$93000.00} as a balance. I was told that the hold was to make sure that there were no chargebacks on the account and the funds would be available in their entirety for me to withdraw after that time. Turns out 180 days later I received an email saying my funds were available only to find out that they had debited my account {$30000.00} with " damages to PayPal '' in the memo. I have sent messages and have only received automated responses from them and hold times are 2 hours plus if you try to call. I feel like PayPal stole {$30000.00} from me and can not even talk to anyone there to correct the issue. They force you into arbitration in there terms of service so attorneys will not even touch the case. I have already sent them notice of dispute and plan to initiate arbitration as soon as the 30 day notice is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: CA

Complaint narrative:
I was contacted by Good Mortgage ( unsolicited ) on XX/XX/2020 to do a refinance since rates had dropped and they were a retention company for my lender. I submitted all the information they wanted, and it was determined that I was under the 50 % DTI, but just barely and that they were sure we would be approved for a 2.875 refinance rate. My credit score was in the 800 's and my house payments were always made on time, usually on the first day of the month. I was making a {$3800.00} payment, and the refinance would have dropped my payment about {$600.00} - {$700.00} a month, so of course I would be able to make a much lower payment. Over the course of the last 3 1/2 months, everything changed. The first disclosures were in my name only. After a short while, my husband was added, then removed, then added again. I paid an exorbitant amount for an appraisal wherein the appraiser was not even at my house for 15 minutes, took no measurements, and could have easily used the comps as he came in at least {$350000.00} under the same types of homes in my neighborhood ( with similar upgrades of course ), but still giving me a ton of equity, about {$750000.00} - {$800000.00}. And, then magically, my under 50 % DTI was changed by Good Mortgage to well over 50 %, although absolutely nothing financially had changed in my life, except that my income had actually increased. Then, after that, Good Mortgage needed to show additional income of {$2000.00} a month via a letter, and we submitted that and met that requirement. In fact, we showed more than {$2000.00} additional coming in monthly. I have an entire email string from XXXX to today 's date that I can forward to you. Good Mortgage would ask for something which we would meet and that was to be enough, but every time we met their new requirement, there was another one. The goal posts were constantly changing. I can't say for certain, but my guess is that this is a scam to get the hideously high appraisal fee from as many people as they can and then submit their denial. That money adds up rather quickly and makes a lot of money for this company. Three and a half months in, and the person working on my file said " the discussion is closed. '' Again, I believe it is a scam to collect the very high appraisal fee from individuals with no intention of completing the refinance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I opened a car loan with Consumer Portfolio Services , Inc back in XX/XX/XXXX and did a voluntary surrender of my vehicle in XXXX XXXX due to the following reasons ; 1. unable to pay down the principle balance since XX/XX/XXXX Original loan amount was- {$21000.00} Interest paid- {$18000.00} Principle paid- {$1700.00} Additional fees- {$1400.00} So, in 5yrs over {$18000.00} was paid in interest alone and nothing towards the principle balance. Consumer Portfolio Inc, was never willing to explain why I paying so much in interest and continued to add late fees and interest on top of interest. Recently, I received a letter from CPS, Inc dated XX/XX/XXXX on XX/XX/XXXX which was an " Explanation of Calculation of Surplus or Deficiency ''. I contacted CPS, Inc on XX/XX/XXXX to get my balance and see if I could set up a payment plan for the remaining balance. The total amount due on the letter is {$11000.00} and when I called they stated my balance was XXXX, when asked why the difference from the letter I was told I was 159 days past due when I disputed the fact CPS, Inc could not provide an explanation and I was transferred from person to person. Finally, I was told that on the {$11000.00} balance that I was being charged {$4.00} a day/ {$130.00} per month in interest and again I am back in the same boat with CPS Inc , where I am only paying interest so I am in a never ending cycle of interest where in the end I will have paid almost $ 40k or more on a $ XXXX car that was bought in XXXX. They have been unwilling and unable to explain the fees and interest to me nor have they wanted to work with me during these difficult times. I have done research on this company and noticed several lawsuits and complaints regarding the same issues with people never being able to pay down their car loans. At one point they were calling me several a times a day harassing me and making threats for me to pay hence why I made the decision to surrender the vehicle because even after making my monthly payments since XXXX I was still unable to pay it off. Even as of my most recent call with CPS, Inc XX/XX/XXXX I am still being bullied and forced to pay outrageous interest fees without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have filed repeated complaints directly with XXXX XXXX about this issue listed in complaint number XXXX ... You closed it stating " take this up with XXXX XXXX XXXX XXXX '' Well this agency just refers me directly back to Fannie Mae and they continue to state the same thing which is ... BECAUSE I HAVE DEFERRED DUE TO COVID I AM STUCK WITH MY CURRENT LENDER AS XXXX XXXX REQUIRES THE FIRST UNPAID BALANCE PAIN IN FULL PRIOR TO BEING ABLE OFF THE SECOND UNPAID BALANCE! This means because I have a second balance of {$1900.00} there is NOW WAY to refi my house! Wells Fargo will not allow me to pay this amt directly XXXX I have even tried and they took all funds and applied to the primary balance ). I need CONSUMER FINANCE PROTECTION as someone has to step in and tell these companies you are penalizing the consumer and treating a measly {$1900.00} as a second mortgage ( and even it treated as a second mortgage I would have the opportunity to pay on this amt prior to paying off the $ XXXX I owe on primary balance! 

THIS IS INSANE!!!! PLEASE HELP!!!!

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: MS

Complaint narrative:
I contacted XXXX XXXX today after receiving an alert stating that they reported my account 30 days past due. I reviewed my XXXX statement and it shows that my payment was received. 

I advised XXXX that my former account was closed due to my recent divorce and that I had gone on their site to update my account information with my new checking account. I also scheduled a payment of {$40.00} for my XXXX bill which they somehow pushed it to my XXXX bill. I never received a late notice in the mail nor via e-mail ( I have electronic statements from them XXXX. I don't even use this card ; the {$10.00} that they are charging me each month is the fee that that charge to report to the credit bureaus ( per a rep that I spoke with years ago ). 

As of my statement closing date it shows that I was not past due but 8 days later they are now saying that my payment was not received ( after they pushed it to XXXX XXXX. I feel that this is an unacceptable practice. I am currently applying for a mortgage and this has caused my score to drop 30+ points disqualifying me. Please help me resolve this issue as soon as you can.

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 2020-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I took out 2 student loans with Salle Mae that were relatively low. About {$6000.00} for each. A few years later Salle Mae turned into Navient and they said I took out loans for XXXX each from Salle Mae. They did not have my correct address, or even the school I went to. Navient stated that they sold the loans to a collection Agency called XXXX XXXX but that company had " gave the loans back to Navient ''. They are both currently on my credit reports and both company 's are trying to collect for the same debt! When I called the credit bureaus, they stated that Navient had closed the account. Now they are trying to collect XXXX from me. XXXX is trying to collect XXXX. They both claim to still hold the " debt ''. All from a XXXX loan. There is some serious fraud going on and these company 's are trying to get over on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: CA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This company showed up on my credit report stating that i have an account in collections for {$940.00} on one letter they sent and {$960.00} on another letter. I originally did a written dispute on XX/XX/XXXX letting them that this debt is not mine and that it needs to be deleted off of my credit report immediately.. ( The address and name does not match my name and address at all. ) i gave them 31 days to respond they never responded. i sent them another letter on XX/XX/2020 stating that since they didnt respond to my first request that this needs to come off immediately. they eventually responded back and said that this debit is " validated '' and sent me a bill, which is not what i asked for in either one of my letters to them. They continue to report incorrect data on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I was offered forbearance at the the beginning of the pandemic which I accepted. At the end of the forbearance I requested the balance be moved to the end of the loan which was kindly agreed. I am listed as the end of the trial period and waiting for the loan to be complete. this completed process has gone on for 2 months and I feel there should be some further explanation. I can not reach anyone with the authority to explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account.

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 2020-11-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/2020, I was notified by XXXX XXXX regarding a substantial decrease in my credit score due to the appearance of a new account. Upon reviewing my credit reports through all three credit bureaus I noticed the appearance of a collection filed by SEQUIUM ASSET SOLUTIONS , LLC, regarding {$120.00} debt owed to XXXX XXXX. I have never been notified of such debt by XXXX XXXX, nor by Sequium Assat Solutions, and my account with XXXX XXXX has routinely been timely paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I initiated a refinance with Loan Depot and provided all the documentation and signed notarized loan documents on XX/XX/2020 as my loan processor assured me that my loan would close and funds would be disbursed on XX/XX/2020 to pay down my previous lender and begin my new loan with Loan Depot. 

In preparation for close on XX/XX/2020 ( a Monday ) I wired approximately {$9500.00} to the title company in closing funds which included loan fees and property taxes. On XX/XX/2020 I don't receive any confirmation from my loan processor or title company to confirm that the loan has been funded so I reached out to my loan processor for confirmation and she responded on XX/XX/2020 with " We have received everything from the title company and funding happened yesterday. The title co should have the documents recorded soon. '' On XX/XX/2020 I checked with my previous lender as well as my property tax account and noticed that the previous lender account is still active and does not show as paid and my property taxes have not been paid. I called my loan processor at Loan Depot again to ask for confirmation and she asked me to reach out to the title company to check. After calling the title company I was told that Loan Depot never released the funds. I reached out to Loan Depot again and have not been able to reach my loan processor or her supervisor on the phone to understand next steps on how to resolve this as the title company has both my closing funds and my property tax payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Greetings, I tried to resolve the problem with the credit bureaus but they don't want to investigate about my case. I have a lot of errors on my credit report that are affecting my credit score and I want to resolve that.

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 2020-11-18 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: CA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation