vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On around XX/XX/2021, Paypal decided to ban my account. After contacting the Consumer Finance Protection Bureau the first time, Paypal never gave me an exact reason as to why I was banned. 

The only reason why I thought I was banned was due to me putting in shipping information using my boyfriends address. I was trying to buy him a gift and put in his address/phone number so that he would get it at his home. 

After talking to them on the phone on XX/XX/2021 they never gave me an exact reason. I told them how I tried to buy my boyfriend a gift and put in his information so that he can get it shipped to his house. PayPal told me that doing this wouldnt and shouldnt have resulted in a ban. They also were being vague and didnt bother lifting my ban. This doesnt make any sense because they dont know why my account was banned and refused to lift it and find the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 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: ID Analytics, Inc.
State: KS

Complaint narrative:
I was denied credit in late XXXX, XXXX. I requested my credit reports immediately, XX/XX/XXXX, from the three agencies who were involved in the denial of credit. Two of them responded immediately. StageStream, LLC at XXXX XXXX XXXX, XXXX XXXX, CA XXXX did not send my report even though I gave them the exact same information that the other two credit agencies received. StageStream has been making me jump through numerous hoops to obtain the credit information they have on me. I have had to write them three times since XXXX. On XX/XX/XXXX I provided them the information they requested but apparently they wanted more. The last letter I wrote to them was on XX/XX/XXXX. With that letter, I included a photocopy of my driver 's license. It is now XX/XX/XXXX and I've heard nothing from StageStream. I want my credit report from them and because of all the hassle they have given me on this, I want them fined or penalized in some way for their handling of this matter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
In XX/XX/2021, Mid America mortgage increased my escrow amount from {$66.00} to {$600.00} per month ( see attachment ). At the time of this increase, there was already {$840.00} in escrow. My last years home owners insurance policy was only {$670.00} ( see attachment ). 

I believe the increase was excessive, and exceeds the federal maximum a lender can hold in escrow. Further, I was hung up on when attempting to discuss the matter with a Mid American mortgage representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: GA

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
To whom it may concern, I am working on a mortgage application with Citi Bank, NA. Here 's what happened : We started the loan processing on XX/XX/XXXX when I had a contract with the seller. The closing date we set up was XX/XX/XXXX, which gave Citi Bank almost 60 days to process the loan. 
During the process, I always respond to the requests from Citi Bank with in 1 business day including documents they requested or any other information. However, every time when I submitted my documents and asked the loan officer and processor if the documents met the requirements or did they have all the documents they need, they never respond. It is XX/XX/XXXX and that means 7 days pasted the closing date, Citi Bank still can't provide us a concrete closing date. This is due to their lack of response and failure to fulfill the jobs they were supposed to do. I have the full time line of the processing for your reference. 
XX/XX/XXXX under contract XXXX Appraisal received XX/XX/XXXX UW asking for supporting documents. 
XX/XX/XXXX Supporting docs submitted XX/XX/XXXX Approval package with requirement of some additional docs XX/XX/XXXX Supporting docs submitted XX/XX/XXXX XXXX asking supporting docs that I submitted before ( more than once! ) XX/XX/XXXX Supporting docs submitted right after the call XX/XX/XXXX Still no closing plans from Citi. 
we doubt we are getting an extension from the seller and the whole deal could be dead. 

If the deal fails through, I will suffer from severe financial loss including : {$5000.00} due diligence money, {$800.00} appraisal fee, {$330.00} house inspection fee and most importantly, the priceless time from both agents of seller and buyer and myself! 

It is inexcusable that Citi Bank had 67 days to process the loan and still they failed to close it on time despite all the effective efforts I ( and my agent ) made through the whole process.

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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
ref : XXXX XXXX case ref # XXXX ( old case ) XXXX XXXX  XXXX  XXXX fl XXXX I have been trying to resolved mortgage total loan due since 2009 unsuccessfully after my modification and trying to get an answered for all fees added to total amount my loan had beed sold 3 times with not answered. I received conflicting information on XXXX total amount due. I had contacted Fay servicing and XXXX  XXXX XXXX involved on this transaction did not get resolved. I hired an attorney to help on the process and attorney from Defendant Fayservicing and XXXX  XXXX XXXX now want to filed a law suite against me to collect his attorney fees and waiving my rights to obtain information where lates fees and other fees added to loan amount come from. My mortgage had been sold 3 times since first originated from XXXX  fro {$270000.00} first mortgage. Needed to all fees added how they got this figures?. After I requested the explanation from Fay servicing my loan sold to XXXX XXXX XXXX  loan # XXXX. I felt I had not right and am demanding the answer from this predator lenders unsuccessfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am being charged for things I returned and did not purchase to begin with. On XX/XX/2021 I was sent a purse from XXXX that I did not order, so I returned it. I also changed my credit card. After I change my card, I got a charge for {$420.00} twice for merchandise I did not order and had to return. On XX/XX/2021 the same merchant never gave me a refund for merchandise I returned and I had to pay for it. Im not paying this time because I changed my card number so my card company chase should not have let them charge my card. They should not even have the number. It is an unauthorized purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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 disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

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 2021-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2021, I made a car payment using XXXX XXXX to pay on the loan that I have with Fifth Third Bank the payment that was made had cleared XX/XX/XXXX. On XX/XX/2021, Saturday at approximately XXXX in the morning I received a call from Fifth Third Bank demanding payment on the loan, I explained to the person on the other end of the phone that I did make my car payment they refuse to hear me out and just demanded that I tell them when I'm going to make the payment. On Monday the XXXX I contacted Fifth Third Bank and talk to customer service and all they wanted to know is am I going to make my payment for XXXX, and when I informed them that I already made the payment on XX/XX/XXXX they gave me 24 hours to prove it or pay and I was to use this reference number XXXX. 

I have three car payments left and planned on paying the car off after this payment and they are aware of this, I feel as if I'm being blackmailed into giving Fifth Third Bank an extra payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I walked in my bank Citibank to transfer money from my account. They ( specifically the branch manager XXXX XXXX and bank teller XXXX XXXX from branch XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX gave me a hard time to complete my transaction. I believe they treated me poorly and suspiciously because of my race. The amount was substantial and they I believe they thought the transaction was fraudulent because of my race. They had no other reason to treat me the way they did. It took over 2 hours for them to finally agree to process my transaction.

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 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Wakefield has been trying to collect {$1600.00} against me for the last 5+ years. I have on several occasions asked for them to provide a valid debt contract including my most recent attempt received by Hunter Wakefield via certified mail on XXXX when I sent the a letter asking for proof of debt and a notarized letter indicating a signature witness, on XXXX a second letter was received via certified mail to Hunter Wakefield asking for the erroneous debt be removed from all three credit reporting agencies. As of to day there has been follow up from Hunter Wakefield and they are still reporting the debt. 
I've tried calling to dispute this debt and on several occasions including as recent as this XXXX often the phones are not answered, when answered vm is full or if a message is left it is never followed up on, on two occasions there was an answer I asked to have a partner with authority to remove the claim from being reported against me to return the call, this was never done, I called and was able to speak with a counselor and the conversation escalated when the counselor became belligerent, and verbally abusive. I asked for a name and our employee identification number but the representative disconnected the call. I attempted to call back on three separate occasions and was unable to get through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: PA

Complaint narrative:
I am reaching out to seek the deletion of the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my account for no reason. My account wasn't overdrawn. I had called BofA because I had mistakenly paid the wrong account for XXXX XXXX XXXX. When prompting in a text I thought I was paying my wireless bill. I called BofA because I was confused as to which bill I had paid. I was considering reversing that payment so I could pay the wireless bill. I have no idea where they got the idea that was fraud unless they misunderstood me. Then I waited a hour just to be seen. The officer is telling me that if they make this determination I can't have an open bank account. Bank of America is not responsive at all.

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 2021-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My complaint is to Capital One Auto Finance From XX/XX/XXXX to XX/XX/XXXX, For the last 5 + years they have been reporting incorrect payment history on a joint account. I've tried numerous times to dispute this account but they never changed anything, and as a result it has caused lenders to view me in such a way that I have been unable to obtain adequate auto financing and also had a period of time when I was homeless with 3 children and sleeping in a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX My ex husband and I legel separated and I moved to a different city, I Have a lease agreement showing I move to a new city, When I left he was still living in the home we purchase in XXXX, he wanted the home. I went to the XXXX  XXXX XXXX and told them I was separated form him and asked them to remove me from the loan, they told me they could not, so I asked him if he was making the payments and he said he was, We finally divorce after 2 years and he got the house in the divorce and on the day of the divorce they took the deed out of my name and put it in his and I will show you from the tax office, I went back to the bank and asked them to remove my name and they told me they could not. again, so please can you help me, get this off my credit, I walked away from this because of abusive and I want to try to buy my daughter and my self a house, I want it off my credit and I want the loan taken out of my name please

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 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX My ex husband and I legel separated and I moved to a different city, I Have a lease agreement showing I move to a new city, When I left he was still living in the home we purchase in XXXX, he wanted the home. I went to the XXXX  XXXX XXXX and told them I was separated form him and asked them to remove me from the loan, they told me they could not, so I asked him if he was making the payments and he said he was, We finally divorce after 2 years and he got the house in the divorce and on the day of the divorce they took the deed out of my name and put it in his and I will show you from the tax office, I went back to the bank and asked them to remove my name and they told me they could not. again, so please can you help me, get this off my credit, I walked away from this because of abusive and I want to try to buy my daughter and my self a house, I want it off my credit and I want the loan taken out of my name please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: August Real Estate Investments, LLC
State: TX

Complaint narrative:
I submitted A payment in the amount of {$2300.00} to August REI. We closed on XX/XX/2021 for refinancing and therefore XXXX payment was not due to the mortgage company. I received a partial refund in the amount of {$1600.00}. However, I should've received the full amount of {$2300.00}. On XX/XX/2021, A payoff request was submitted to the title company with amounts valid thru XX/XX/2021. The pay off amount as {$49.00}, XXXX. The title company paid {$49.00}, XXXX on XX/XX/2021. I would like the remaining balance of {$670.00} to be refunded.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
As previously described in my complaint from XX/XX/XXXX No : XXXX I opened a new Business Checking account on XX/XX/XXXX, and submitted XXXX transfer. The account is opened with an active offer that includes a {$2000.00} bonus with a {$200000.00} deposit maintained over 60 days I maintained a balance XXXX for more than 60 days in order to earn this bonus. This was confirmed as below by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I discussed this issue with XXXX XXXX XXXX, a banker at the Citibranch where the account was opened and the ticket was created. 

Citibank eventually responded that I did meet the requirements and that the {$2000.00} reward bonus will be paid out after I submit W9. 
I submitted the form immediately, subsequently, I received a couple of phone calls reassuring me that the funds will be paid by the end of XXXX. 
Currently, almost 2 months later the payment has not been made yet. 
In total from Opening the account in XX/XX/XXXX and depositing $ {$200000.00} and meeting the bonus requirements by the beginning of XXXX, it has been 6 months that Citibank did not fulfill the obligation of paying {$2000.00} to the 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 2021-04-26 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: NC

Complaint narrative:
I have sent this document to XXXX  and they are saying they have not received my document I would like the bankruptcy chapterXXXX  to be remove from 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