vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
My husband and I applied for a VA mortgage with Wells Fargo. We submitted all required documents and determined to be approved. Since we initially wanted to build a home we were told to we were approved for {$560.00}. The loan officer told us to get a builders contract and provide that contract once we get it from the builder. We talked to numerous builders and unfortunately the land we selected could not be subdivided. We decided instead of building a home we would just purchase a home already built. I called the loan officer and asked if we could change the loan type. She told us we could switch it with no problem and told us to look for a home. Once we found one and decided to make a offer we should call or email her immediately. We found a home that had a offer deadline because of multiple offers, called and emailed the loan officer with no response. Needless to say that home fell through. I received a returned call a few days later. A few days after that I got voicemail asking for us to call. I called and told very point blank that they could no longer offer us a loan. We were about 3-4 weeks into this process. Nothing changed on our reports, if anything our scores increased. She simply said underwriting decided they could not assist and this is how the process goes. I explained that the only way a loan decision could is if our DTI or score changed. Neither applied. I proceeded to initiate a complaint after researching that Wells Fargo is known and sued for denying minorities mortgages before and during the loan process hoping this was not the case that surely seems that way.

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 2021-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Veem  Inc.

Complaint narrative:
I would like to formally file a complaint against XXXX. My company uses their platform to send our payments/salary from there in the US to here in the XXXX. This incident happened to me not once, but twice already! They have a payment timeline and they provide a turn around time to when will we receive our payment and they weren't able to fulfill it to me for 2 consecutive payouts already.

On the first payout where this incident happened, they said they had a technical issue so I waited until the afternoon while all of my colleagues already got their payments just a few hours after their technical issue gog fixed. Some of which have the same bank as me. Then I reached out to them again and they had me wait for the fund between XXXX to XXXX that day because they say that's when the funds usually get credited, so I waited. But there was still no transfer made. 

I reached out to them again and now they blamed my bank for having additional verification for the funds. I called my bank and asked if there's anything wrong with my account and that if they have additional verification, or if there's any floating funds on my account. My bank confirmed that my account doesn't have any restrictions so everything should be okay and also there were no floating funds on my account at that time. Note that I've received my past payments/salary on this bank before through Veem platform and I have not experienced it until that said payout and today. 

I let that event go even though we incurred an additional fees at the hospital at that time because they sent my money late and I wasn't able to checkout my Grandfather fight away after the doctors discharged him. I had to wait for my money and it was 3 days late at that time. 

Yesterday, we had our payout again. Prior to the payout, I changed my bank and made sure with this new bank that there's no restrictions in my account and that I should receive my payments smoothly because I got traumatized with what happened the last payout. 

So the payout started and the same thing happened again!!! All of my colleagues got their payments already and I'm the only one left in our company who still hasn't receive it. I reached out to them early so they can check my account snd have it fix but they still ask me to wait. 

I waited and now it's already past their given timeframe and I still didn't receive my payment/salary up to now! 

Please help!! I want this to stop from happening again! I don't want to receive my payment late again

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have repeatedly contacted collections agency Portfolio Recovery to make them aware that i do not know of any accounts, nor do I own any collections account in the amount of {$5300.00}. I have sent letters and I have also disputed this account with XXXX, XXXX and XXXX. 
Currently on my credit report for all three bureaus it states Dispute resolvedcustomer agreed. I have NEVER agreed that that account belongs to me. This account was removed from all credit bureaus almost two years ago and now its back again. I requesting your help with the removal of this negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MO

Complaint narrative:
Okay so I went to jail on XX/XX/XXXX of 2021 and was not released until XX/XX/XXXX of 2021 when I was arrested I left my purse my phone my credit cards everything in somebody's car which later then explain to me was stolen so on XX/XX/XXXX is when I started reporting all my card stolen chime was one of them. My tax return I did not even know was put into my account because I couldn't access it at the time so I never personally received that whoever stole my purse while I was in jail obviously access that and when I reported it to chime they denied my claim there were many claims that were denied by time that I am now out a lot of money for I recently got a notification from the IRS stating that they had sent a deposit as of XX/XX/XXXX of 2021 again I have yet to see that reflect on my account I've had nothing but issues trying to get any bit of my money back from all this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On a monthly review of my account online, I found {$2100.00} worth of transactions I did not make. Call BOA same day to report. On a call a few days later to check status found they showed amount only {$1400.00}. BOA rep and me found that 2 amounts were not included cuz one was pending at time and one just was not recorded. Filed 2nd claim. BOA denied first claim but issued provisional credit for 2nd. Denial was that no posting error occurred. Called BOA was told send police report. Faxed BOA police report as well as info I found in my own research that XXXX pays were made to friends he had on his XXXX account and that his girlfriend in Utah was one of the people that got a XXXX pay, she sent me a text she got from person I named as the suspect that makes reference to the amount of the transaction sent to her. I also informed them that one charge was made in Utah where I have never been and that was alerted me to who I believed stole me card info. Followed up with the girlfriend and she never got call or letter from BOA asking for verification of my evidence. BOA denies claim again. Called BOA for more info and was told that 1st claim was being denied for all transaction because of one specific transaction made where my card was present, all others were made as on line purchases. I explained to bank that I had let this person in my home and that he must have stolen my card used it, then put it back so I would not suspect anything then continued to but thins on line.

I faxed bank proof of my whereabouts for the specific transaction with statements from 2 different parents for whom I was providing childcare for on that date and time and also verifying my exact location along with copy of google timeline that backed it up. BOA did not call at any time either parent for verification. BOA denied again. Sent final demand letter and never received a response from BOA The 2nd claim filed for {$660.00} was approved and returned to me. They only deny the 1st claim

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 monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2021-10-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 Experian received my letter exercising my rights under FCRA 611 ( a ) requesting a complete description of all methods of verification regarding a public record bankruptcy and they did not comply. I have documentation that they have received said letter on XX/XX/XXXX. I also asked within letter that I receive this information within 15 days of receipt or I expected the item in question to permanently be expunged from my record. Experian did not comply.

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX I have had my PayPal account for a little over a year. I've only had 1 transaction me paying for a XXXX account. I had gotten locked out of my Re-Employment account and was unable to claim 17 weeks of unemployment. Finally it was unlocked. The DEO deposited a little over {$5000.00} into my PayPal account. I initiated an instant transfer to my bank, it was denied. I tried a regular transfer, denied. i tried requesting a check be sent to me, denied. I tried sending money that I owe a friend for helping me pay rent. That transaction was denied as well. I added another account and tried transferring MY money out, DENIED. I sent a message requesting help. I was answered by my account being limited and having to verify my identity. I did immediately. It passed verification and limits lifted. I tried again to transfer money out and was answered with limits again. I had to answer questions about where my deposits came from and why i received it. I explained my situation with FL DEO and unemployment. Keep in mind Paypal was advertising to have your government checks direct deposited into your PayPal account. I did what they advertised and now i have no access to MY MONEY! I logged into my PayPal the next morning to find PayPal had closed my account and I would not be able to access my money for 180 days. They said I violated their terms and agreement and gave me no explanation. I requested their evidence as to what I violated, no answer. Paypal is holding my funds illegally. They are in breach of their own contract. The Paypal Balance Terms and Conditions states : " Hold your Balance Account balance for up to 180 days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy ; '' There is no risk of liability because I have not abused my paypal account in the past, i have no chargebacks, or even recent transactions. I only wanted to transfer MY MONEY out. I verified all my information and explained my money came from Unemployment. I did not violate their Acceptable Use Policy either. PayPal is not responding to my request for sn explanation as to what terms and conditions I supposedly violated. Due to their own Breach of Contract they have bo right to hold my funds for 180 days and collect interest illegally

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX Transunion received my letter exercising my rights under FCRA 611 ( a ) requesting a complete description of all methods of verification regarding a public record bankruptcy and they did not comply. I have documentation that they have received said letter on XX/XX/XXXX. I also asked within letter that I receive this information within 15 days of receipt or I expected the item in question to permanently be expunged from my record. XXXX did not comply.

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 2021-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: GA

Complaint narrative:
LENDING CLUB IS IN VIOLATION OF THE LAW OUTLINED BELOW : The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances.

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief. 

Lending Club offered a payment arrangement on XXXX. They had always offered a 15 day grace period, and I was very happy about that because I had received my first paycheck from my new job. I left the workforce pre-covid making $ XXXX/yr and re-entered on a Contract assignment the first week of XXXX making $ XXXX/yr. 

I made XXXX XXXX payment. A week after my new job started my elderly father caught Covid. So in XXXX, my entire world was upside down and any Bill that wasn't on autopay slipped through the cracks. I was totally overwhelmed. 

I called Lending Club and explained that it was an oversight due to my circumstances. 
My plea fell on deaf ears. They did not care, even after I immediately made the payment at the beginning of XXXX ( see attached ). Keep in mind that when I made XXXX XXXX payment in XXXX, the payment was not 30 days late. 

Then when I logged in to make XXXX XXXX payment on the XXXX, the account showed that I was approaching 60 days past due and that I owed {$780.00}! 

I was able to borrow the money from I relative because I did not want my credit ruined. 

I had no idea that they started reporting my account late in XX/XX/2020! 

Please make them follow the law and remove all 4 late payments from my credit report, I would also like to know how that {$780.00} was applied. I was on a Forbearance plan, and the law states that I wasn't supposed to incur penalties, late fees, or interest during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid {$830.00} to someone for an item ( pc part, motherboard, Transaction ID : XXXX ). I never received the item and seller stopped responding to me on Discord. I've never received tracking information that shows it was delivered. Therefore, I would like money back for this. If I don't receive money back, I will file a complaint with state attorney general and federal trade commission to pursue this further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20 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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. 
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2021-10-20 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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. 
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft.

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Original creditor, XXXX XXXX XXXX XXXX is paid in full, Credit Control Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX, is fraudulently stating an in-accurate amount owed, and account status.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was in the process of shopping for a refinance company, and began working with XXXXXXXX XXXX XXXX XXXX XXXX XXXX ID XXXX ). As part of the process I provided my social security as my credit would be pulled. I authorized a single credit inquiry on and for the date XX/XX/2021. XXXX days later on XX/XX/XXXX, a XXXX  hard inquiry was completed using my information without my authorization, by XXXX. I immediately contacted XXXX XXXX and highlighted the issue and my disapproval. XXXX XXXX assured me the inquiry was an error on their end and that the issue would be rectified. For XXXX months weve gone back and forth and the matter remains unresolved. XXXX XXXX lied to me that a deletion was requested, this was in XXXX. Ive contacted the company and reached out to XXXX again by email and yet nothing has been done. XXXX XXXX has also refused to further reply to my emails despite being the person that caused the issue. I have several emails which corroborates the aforementioned.

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