vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
PayPal - negative {$4700.00} XX/XX/XXXX, XXXXTransfer Loading transaction details for PayPal - negative {$4700.00} XX/XX/XXXX, XXXXTransfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 

Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4700.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation PayPal Withdrew XXXX USD on XX/XX/2019 without my consent and without even notifying me. My account was in a " limited '' state prior to this, meaning i could not withdraw funds for 180 days. 
There were no chargebacks or disputes, PayPal just decided they can charge a " fee '' for violations of their policy, which they do not disclose what violation ( s ) were committed. This, frankly, is fraud and theft. No bank would be able to get away with such a practice, and while PayPal does not qualify as a bank, they provide banking services such as holding money and transferring cash digitally. 

I reached out to PayPal on XX/XX/XXXX via XXXX and XXXX. I attempted to reach them via Phone however they have shutdown phone lines due to COVID-19. 

The responses I received were boilerplate and did not address the issue nor even provide any specific details.I was unable to reach a human being through email and there is no phone support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: MI

Complaint narrative:
A payment was mailed to Home Depot with a 3rd party check. The statement was included with the account number highlighted. The check was deposited by Home Depot/Citibank XX/XX/XXXX. Proof was sent to Home Depot XX/XX/XXXX, they would not accept the written description in the " secure email '' so I had to use snail mail. I have been on the phone with XXXX ( not very nice ) she initiated the dispute, XXXX, XXXX and may other names I did not write down since XX/XX/XXXX trying to get my {$340.00} returned. They did not credit it to my account but someone else account. I have a dispute #, I have received an emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX & XXXX stating I must call to resole this refund. I call ( calls take 45-1 hour ), they refused to call me which I have requested via " secure email '' The last call I made was with XXXX XX/XX/XXXX during which he told me the check was returned electronically to the bank. I ask for the date and bank, he could not provide that information. Then stated during the same call oh wait it was mailed to you XX/XX/XXXX. I really do not feel I will ever receive my money back. Also to avoid late/finance fees to continue overpaying my Home Depot charge card bill even though they had proof they cashed the check because they could not find my money they lost. I have been told so many different stories that I am not sure what to do at this point. DO NOT USE HOME DEPOT CHARGE, EVER. Also they do not apply your payment to the 6 mos promo unless you specifically ask them to every month you make a payment. It is only applied to your general statement balance, what a scam

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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can't link my account to an investment account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: FL

Complaint narrative:
First off I never missed or was late with a single payment to this company. The loan was sold to them and same is true for previous loan company. The loan was paid in full on XXXX. When I initially contacted them they stated they needed 30 days to ensure everything went through and was processed out. Whatever that means. 
I gave them the 30 days and contacted them, I was told it was not processed, via email, and I would have to contact the title department but was given no contact email or phone. When attempting to call them I was placed on hold twice and both times disconnected. Further emails went either unanswered or triggered response with no follow-up. 
I realize they may attempt to use the current global issues as an excuse to not do the right thing, however, would like to remind them NOT ONCE did I receive any communcai0otn stating they would work with me in these troubled times. No notice from them, as I received from every other company I have financial dealings with, so to use that as an excuse would be deplorable. 
All I want is my title, I paid for it and was prompt with payment. They need to do the same. My email address is XXXX. this should allow them to look into this

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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can not Connect my bank to a third party app that helps with my finances and needs it for withdraw and deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Student Loan company XXXX  XXXX XXXX XXXX XXXXXXXX ( XXXX ) is servicing my loan. Back in 2015 I moved/mailings got crossed payments didn't get made. Once I was notified I corrected this and have been making regular monthly payments since and it's all documented. Since I missed those payments they put loan in default and will not correct my credit report/credit score even though for the last 4 yrs I've made my timely payments. I'm presently trying to go for a mortgage with XXXX XXXX and they are stopping this from going through due to this issue. I've tried to call XXXX they will not help me even though they state oh yes you've been in good standing with us for a while now! I've also provided XXXX XXXX the document with all my payments for the last 4yrs and they still will not help out. I would greatly appreciate it if this could be corrected and done so fast. I'm missing out on being able to buy a home " the all American dream '' which I worked all through school so I could get a promotion and make more money for this home.

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 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
During sometime between XXXX and XXXX, my student loans with XXXX XXXX XXXX XXXX were defaulted and no longer existed as a balance under their name directly. When I recently called to initiate a new payment plan they said they no longer hold the account and it was first sent to a private company called XXXX XXXX who assumed my debt. After this I finally realized that XXXX XXXX who works with the department of education actually holds my account and I have set up a new payment plan with them to work down and pay off my student loan balance. 

My problem and the reason I am reaching out to you is XXXX is still showing my account on my credit report monthly as late, but they do not hold my account. My problem is how can the credit reporting agencies continue to report my account that used to be with them as late if they no longer hold the account? I am paying fedloan services for my debt which has been completely taken over by them. 

I have put in disputes with XXXX XXXX over the past year to no avail in correcting this. 

Can you help me or find out if I need to involve XXXX XXXX ( my credit repair service ) further? Or involve the Federal Trade commission? Or get an attorney myself on this matter?

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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I tried to access my online account with SIMPLE, BBVA Bank which requires a text message verification. Unfortunately, what I did not know at the time is that XXXX  ( my phone service provider ) was having technical issues with text message delivery. I attempted several times to log into my account and was " locked '' out of my account. 

There was is NO back-up method offered to access the account. the only option was text message and without access to that service, there was NO other way to try to access the account. Then as I was LOCKED out of the account, I completely lost access to over {$3000.00} in deposits in my checking and savings accounts. I called the company and there is no after hour service, technical help, or way to verify to regain access. 

On XX/XX/XXXX, I called the bank to get access to my account. They VERIFIED that I am in fact the customer and then told me that THERE IS NO WAY TO ACCESS THE ACCOUNT. The representative said he thought it was " XXXX '' but that there is nothing he can do to give me access to the account until some " automated system '' in some other bank, releases the account LOCK. 

I can not access my own money because of a ridiculous technical lock that was obviously programmed by the bank without considering the consumer. There needs to be SOMETHING that protects the consumer from losing access to the account in the event they can not use text messaging for whatever reason. A text message should NEVER be the ONLY way to access an account at an FDIC insured financial institution. 

If you can not receive a text message, this bank holds your money RANSOM and then blames it on an illogical SECURITY measure that PREVENTS consumers from accessing their own money. 

I should have been provided IMMEDIATE access to my OWN account the second that they verified that I was the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've contacted Experian several times regarding the fradulent accounts they refuse to remove from my file. I've sent supporting documentation as well as the other credit bureas have also corresponded to them as well advising these accounts were indeed removed due to fraud and they refuse to remove it. I even called regarding an authoroze user account that I have no clue about and they wouldn't even assist me with that. I't like they have my account blacklisted to some degree even when I pay my credit cards they refuse to fix these problems. I feel like this is some form of discrimination and this needs to end. There is no way that my utilization changes and there are no updates to my file. I've attempted to contact Experian several times each time they spoke to me as if I'm a liar as if they haven't received supporting documentation as well as the other bureas have contacted them as well. I've mailed in doucments which I know they have received because they were sent certified

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 2020-06-16 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: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
The company XXXX sold me a frame damage vehicle that was illegal. The vehicle was deemed unsafe to drive. XXXX has made several mistakes on the account. This company have several complaints and should be investigated by FBI. This vehicle was not on credit due to several mistakes made by the company. They were reporting back in XXXX that the payments were XXXX when the payments were XXXX. Once advise of the frame damage it was backward and forward lies told by the company. I have had no dealing with this company since XXXX and I have credit reports showing they were removed because that was the agreement. I have credit reports showing no reports from XXXX in over 3 and 1/2 years this has not been on my credit. When it was on there in XXXX it was not being updated with the payment history. Now in XXXX of XXXX they reported that I did a voluntary surrender in XXXX of XXXX that is false and inaccurate. Also on the credit report it only shows an open date no payment history nor further information. They didn't have permission to access my credit in XX/XX/XXXX nor did I turn in a vehicle in XXXX. I have received no notices from this company at all. They are reporting false information and I want it removed from my credit report. I would like proof from XXXX showing that they have been reporting on my credit since XXXX. I have my credit report and I know they have not but I would like to see false documents they will come up with so I can take them to court.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my credit file. The items Im disputing are : 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/2014 3 ) XXXX XXXX. These delinquent account records are inaccurate because I did not miss payments. I am requesting that the accounts be corrected to show that it has always been current, with no record of being delinquent. Please investigate this matter and correct the disputed items as soon as possible. Sincerely, 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 2020-06-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my credit file. The items Im disputing are : 1 )  XXXX XXXX 2 ) XXXX XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/2014 XXXX ) XXXX XXXX. These delinquent account records are inaccurate because I did not miss payments. I am requesting that the accounts be corrected to show that it has always been current, with no record of being delinquent. Please investigate this matter and correct the disputed items as soon as possible. Sincerely, 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 2020-06-16 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am the XXXX of a XXXX XXXX XXXX XXXX  in XXXX, GA. I currently have around XXXX vehicles financed through various banks. All of these vehicles are on auto draft with these institutions and always have been. Recently, one of the vehicles was at final payment and for some reason TD did not auto draft the account for payment. 60 days later we received a letter in the mail saying payment on that vehicle was delinquent. My finance director contacted them and immediately paid off the balance. We reached out to their customer support and they confirmed that we did nothing wrong and that maybe because of Covid-19 something happened in their system. The customer service rep was obviously working from home at that time. He recommended we file a dispute through the credit bureaus and directly to TD. The TD dispute claim just came back and they are stating they are denying the claim - XXXX as of XX/XX/XXXX. I contacted TD today XX/XX/XXXX and talked to a customer service rep. They said that we were notified when we bought the vehicle back in XXXX that the final payment would need to be a check. This is absolute nonsense and should not be a part of any process. I don't even have the same finance director now that I did back in XXXX. 

This process is absolutely Predatory. I have not missed a payment for anything in over 15 years. I take the value of my credit to be sacred and one of the most important things in life. This one mistake on the part of TD Auto dropped my rating precipitously. The fact that a lower credit score rating directly benefits companies like TD Auto Finance should be investigated by the CFPB as a fraudulent practice meant to harm consumers and XXXX XXXX  like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Company was to remove the incorrect information from credit in XX/XX/2020, however, the incorrect information has not been removed and credit points have not been properly restored.

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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Yesterday I went to Bank of America, and i had a check for {$1200.00} for deposit. I refrained from adding the check to my balance on the previous saturday - XXXX days beforehand - because it said it wouldn't be available for about a week. I went inside and I told them that I wasn't interested in depositing the check if it was going to be a long hold time. The bank account was positive by about {$45.00}, and they told me that it would clear tomorrow morning, which is today. Now i sit in the Bank of America on XXXX XXXX and XXXX XXXX XXXX   in XXXX XXXX, FL, Zip XXXX As you well know, there are statutes regarding the amount of the check. Afterward, they claim that the check was high risk, except the dollar house, in the most expensive zip code in Florida. Yesterday when i gave them the check, they did not mention anything about it being high risk. I believe what they said specifically, was that it would clear by XXXX tomorrow. 
Here I am at XXXX XXXX, and this check has not cleared. Again, now they claim that it is high risk. My property is currently being withheld by bank of america, in the amount of {$1200.00}. I think that the amount of the fine for this misrepresentation, fraud, and deceit ; should be in the amount of {$12.00} XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION
State: MN

Complaint narrative:
Ive submitted a previous complaint with this company. Now I have another one!

After much time, frustration, and contacting various organizations ( like CFPB ) for assistance Alliant Credit Union finally did allow for a safe virtual inside inspection for our home refinance due to the pandemic. We also went to closing on XX/XX/XXXX with a mobile notary coming to our home and us signing documents on our front lawn outside, with masks, and engaging in social distancing. 

However, it took a few additional days for me to receive my cash out funds after closing and some documents that we signed were not correct. And most importantly, Alliant Credit Union withdrew my old monthly mortgage payment of {$3500.00} on XX/XX/XXXX XXXX weeks AFTER closing on new loan which should not have happened! To date Alliant Credit Union has NOT redeposited these funds back into my bank account. I have email correspondence from Alliant saying they incorrectly withdrew these funds and these funds are supposed to be returned but have not yet done so!! 

My home mortgage refinance continues to be problematic with Alliant Credit Union. They should not be allowed to conduct business the way they do! 

Please let me know what recourse I may have with this mortgage company. 

Thank you again for your help, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief