vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2021 I tried to send money thru my PayPal account. On I noticed on XXXX XXXX, XXXX  that it still did not clear. Out of concern, I sent a message to my bank, asking them to release the hold. They did, replied to my message to confirm that I could see it. 
I asked PayPal ( who ONLY responds after using multiple " self-helps '' and I pressed further to have a CSR contact me ). 
As of today, PayPay STILL has not released my transaction from their " Pending '' status. They refuse to move it, to pay it out. I contacted them again yesterday, the only method they use. They give the same story, blaming it on my bank. This is the last message they supplied : " Heres how to view the expected clearing date of your eCheck : Click Activity near the top of the page. 
Click Details next to the eCheck to see the transaction details.

You can find an estimated clearing date for the eCheck near the payment status on the Activity page. 
eCheck process> I do appreciate your time and I hope I could have solved your concern. Remember we are always here to support you on every question you have. 
XXXX XXXX  - XXXX '' XXXX XXXXTheir links don't show anything I can't already see. There is NO eCheck to click on. There is NO " details '' button. 
They are making interest off my transaction! This isn't right! 
My point is : Make PayPal release this transaction- now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I filed a dispute with XXXX, XXXX, and XXXX  about incorrect items being reported to my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I applied for loan help in XX/XX/XXXX with SPS. Due to the COVID pandemic and state lockdowns, I had a reduction in income and could not afford to pay all loans attached the house without help. The house is not my primary residence since I moved out of state for work and the real estate market did not allow for the sale of the house. I called the mortgage company, SPS, daily. I did everything they said to do, and requested to speak to a manager, but was denied. At the beginning of XXXX the agent said I would qualify for relief of at least {$10000.00} and that it would be finalized the next week. To stop incurring additional debt, I had to sell the house. In XX/XX/XXXX, SPS stated that I would still receive mortgage relief to pay off additional loans, even if the house sold. SPS received the pay off amount on XX/XX/XXXX and dropped my claim. They stated that since they got their money, the request was no longer valid. And thus, I am negative in paying off loans related to the home, even though I no longer own it. SPS intentionally gave me false information and delayed approval of the requested assistance to further their own financial gain at the expense of my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Dear Sir, I made a payment of {$1700.00} ( paper check on bill pay ) to TD card services on XXXX ; I called TD card services on XX/XX/XXXX, the due date, to see whether they received it or not. TD card services said they did not get the check. I called my bank to know why the check was received by TD. It was found out that my account number was missing on the check. This was the 1st time I was using Bill pay from my bank. 

On XX/XX/XXXX, I asked my bank to stop on the 1st check for {$1700.00} and issue another check for the same amount {$1700.00}. This check was received by TD on XX/XX/XXXX. TD does not show show all the transactions on customers TD webpage. They need to improve the way they show transactions on customer webpage. 

Now TD card services is charging {$27.00} ( I owe to them as of today ) because I stopped the check for the amount {$1700.00} sent on XXXX. I called them to wave {$27.00} for which they are not ready to reverse. I am reporting it here. 

I have paid off all I owe to TD card and have not made any purchases since last one and XXXX months and locked the card. 

Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONS LENDING CORPORATION
State: CA

Complaint narrative:
I was charged for the property tax in the amount of XXXX by Nations Lending Corporation on my refinance with them but the property tax has already been paid by my old mortgage company. 
Over the phone, the Nations Lending mortgage company agent told me that the amount will be refunded to me but I still have not received the refund in spite of multiple communications with them and the Escrow Company which is 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 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
PenFed mortgage is not reporting mortgage payments made to credit bureaus. It claims that they were in the process of converting to another platform and had technical issues. I have since been locked out of my online account access and have called several times to rectify. I am now in the process of a mortgage refinance and the payments made to Pended during their conversation period are not appearing on my credit reports. On my final and most recent call, I was told that the payments not appearing would be rectified. I have yet to see that effective on any of my credit reports. This has hindered my ability to seek credit and establish any new loans.

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 2021-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I opened an auto loan in XXXX at Zions Bank when I bought my new car. I regularly paid more than what was due through my account at Zions while I was working there. About a year after I left my Zions employment, I went to the XXXX XXXX Branch of Zions Bank in XXXX, Utah on XX/XX/XXXX, to set up $ 500 monthly automatic payments to be paid from my Credit Union checking account, where all my banking accounts are located. This monthly amount exceeds the monthly amount due. A Consumer Loan Authorization for Automatic Transfer of Funds was completed, signed and submitted it that same day to have my monthly payments start on XX/XX/XXXX. Today, XX/XX/XXXX, the transfer of funds from my credit union to Zions Bank has still not occurred. So I went back to the same branch of Zions Bank today to find out why this has not happened. I spoke to the same Asst. Manager that helped me fill out my original authorization for automatic transfer of funds. She made a phone call to find out why the transfer has not yet been made. After a long period of investigation, the Asst. Manager came back and told me that she was being told that since my previous monthly payments were in amounts more than my minimum amount due, my next payment would not be due until the statement due date XXXX. I was further told that no automatic transfer would occur until then. The only way I could pay more than the statement amount would be to physically come into a branch and make a separate payment. But that would then impact any subsequent regularly scheduled automatic transfers from my credit union. I filled out and had to sign the authorization for transfer of funds thinking in good faith that my instructions on that form, through the assistance of the assistant manager, would be honored by Zions Bank. It seems to me that this practice of not honoring this customer 's commitment of paying a monthly amount more than what is due and on a sequence of dates of before it would be technically be required to be paid, causes financial harm in the form of accrued interest. This should be considered an unfair, deceptive, or abusive act or practice. I filled out my payment- specific wishes in good faith on the approved form with the assistance of the assistant manager. No one ever disclosed to me that my wishes would not conform to the capabilities of the bank to be able to honor it. This is causing additional accrued interest on my loan with Zions Bank.

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 2021-01-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX is not supposed to charge interest, make collections and report to credit reporting agencies any information that jeopardize the student credit. Now XXXX is reporting installment behind and pending to TransUnion. This situation lower my credit score in a discriminating action for being XXXX. 

They did not do this before and now to add pressure for payment under the new federal government request, they are forcing students to pay by reporting students to credit reporting agencies.

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 2021-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is reporting me late on XX/XX/19 and I was never late. I recently checked my credit and noticed this late reporting on my credit. I don't recall ever receiving notices because my account is set to auto draft. So I'm not quite sure why this late is even reporting. I have never been late prior to this or after. I ask as a long time customer for this late to be removed. This was not my mistake and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America negligently and with malfeasance is not mailing statements. My billing cycle ended XX/XX/XXXX. The bank has not yet sent out a statement, even though it is not almost a month, but also because the payment due date is today, XX/XX/XXXX. It is impossible to reconcile my receipts with statement charges unavailable. I believe that Bank of America is doing this to 1 ) Increase its fee revenue by customers not knowing how much to pay & how accurate the charges might be. 2 ) Force customers to switch to electronic delivery from printed statements 3 ) Because of its failure to maintain systems for its customers. In any case, Bank of America is discriminating against the elderly, the disable, the poor with its intentional anti-consumer behavior. Many of us do not have I-phones and can not utilize apps. Some of us do not have regular computer access or computer skills to bank online. I had to spend considerable time and effort, navigating complicated menus, in telephoning the bank to even find out what the non-existent statement balance is, But, the bank ; s customer service refused to read the individual charges to me. The bank declined to state what the problem is, but acknowledged that countless number of consumers have also not received their statements. So, I am being forced to pay today an unverified amount in the hundreds of dollars, simply to avoid late fees and interest charges. Bank of America, with record earnings, is screwing the consumer public by its nefarious games.

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 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have been receiving notices from two debt collectors, XXXX XXXX XX/XX/XXXX ) and then Portfolio Recovery ( XX/XX/XXXX ), about an amount of {$340.00} which I supposedly owe to XXXX for purchases made in XXXX at XXXX, on XXXX XXXX MasterCard XXXX. I do not own that card and I have a different account number with XXXX. I even received a notice from something called XXXX XXXX saying that this account was sold to Portfolio Recovery on XX/XX/XXXX. 
I keep records of all my payments and I know that I have paid off my debts in a timely fashion. I owe nothing, this is the XXXX Statement record ; Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX This must be a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I financed a vehicle from XXXX of XXXX XXXX on XX/XX/XXXX. The amount of the car was {$11000.00} plus tax and fees, the total came up to {$16000.00} and I paid XXXX of XXXX XXXX {$2000.00} cash as my downpayment. So the remaining amount is {$14000.00}, and XXXX of XXXX and I agreed on {$330.00} as my monthly payments for 48 months. My loan got approved by Chase Auto and I received a statement of my Chase Auto account on XX/XX/XXXX and its showing my loan amount as {$16000.00} and my monthly payments {$380.00} for 48 months. I called XXXX of XXXX XXXX the same day and texted my salesperson and explained them what happened, they asked me to come in at their dealership so they can take a look and try to resolve this. So I went there, they said everything is correct from their end, and I should call Chase Auto and see what happened. I called Chase Auto that same day but could not get ahold of anyone. I had been calling them since but unfortunately their office was closed. I finally was able to talk to a Chase Auto representative on XX/XX/XXXX and explained them what happened, they told me that it does not show the {$2000.00} downpayment in their record, but I told them that it does show the {$2000.00} downpayment on my contract, Chase Auto asked me to call XXXX of XXXX XXXX and have them send Chase Auto another copy of the contract. I called my salesperson from XXXX of XXXX XXXX again on XX/XX/XXXX and told him what Chase Auto said about the {$2000.00} downpayment. He said that XXXX of XXXX XXXX sent Chase Auto the same contract that I have. I have no idea what to do now. I have tried everything I could.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted them because I had a check on hold and yet again they have a hold for more then 5 days. Knowing we are going through a pandemic they normally send me a notification when Im overdraft and that to deposit to cover funds which I had available in my other account and they talked about how I have been over draft 17 times they only helped with 1 overdraft and didnt acknowledge in helping but saying they can help file a complaint.

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 2021-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
From the beginning of paying my student loans I have been on the automatic payment plan. I dont have any difficulties paying my account. 

Around XX/XX/2020 I noticed after looking back my accounts that my student loan hadnt been taken out. When I went to go check my Navient account I realized I had been put in forebearance. No payment had been taken from my account since XXXX. 

I had never requested forebearance nor did I need it. Now that I am looking to buy my first home I found out my credit score went from over 700 to below 680 because the non payment that i had never requested affected my score. 

This is unscrupulous. I also found out that interest is still charged. This should not be allowed and this should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: GA

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truthin commerce, so be it, and ; LIST CREDITOR ACCOUNTS HERE : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
AMOUNT : {$170.00} DATE : XX/XX/XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX AMOUNT : {$130.00} XX/XX/XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XX/XX/XXXX AMOUNT : {$93.00} XXXX  Original Creditor : XXXX XX/XX/XXXX AMOUNT : {$550.00} Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX is in violation of 15 USC 1692D ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX is in violation of 15 usc 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX is in violation of 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX 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 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
Credit corp solutions keep calling me and threatening to take legal action on a debt that they have not provided verification for. I have asked in writing and over the phone multiple times for verification that they own the debt and have the right to collect the debt along with the original car holder agreement signed by me that binds me to the debt. However, they have not provided me with this and it has been months now. I sent them a letter dated XX/XX/XXXX requesting this information and still have not received it. This was sent certified mail so I know they received it. When I received mail from them they sent me a letter claiming that the cardholder agreement is in the package however it is not there just account statements. They can not provide me with documentation proving they own the debt either. Every time they call from different phone numbers making it impossible to know when it is them calling. They have also made comments about how this would affect my credit and asking if I have looked at my credit lately. Using scare tactics to try and get me to pay a debt that they can not validate. They make a claim that I owe them {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: NJ

Complaint narrative:
i have had a fraud alert placed on my EPPICard from the state of NJ and i have been on hold with customer service for 3 hours with no answer from a service rep. i can not access the funds until the fraud alert is resolved -- yet no one is available to help me or answer my call. I tried to use the website but due to the card being locked, i am unable to utilize the website.

Company response to consumer: Closed with explanation