vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
In the past several years, PayPal , Inc and Pay Pal Credit have become a company which is more about making money and protecting merchants than the consumer. Resolution of cases is limited in description and communication, and most cases are found in favor of the merchant. 
Unethical, deceptive marketing and foreign often XXXX companies are not held accountable for any unethical actions including poor refund policies, and PayPal enables this. 
When PayPal Credit posts charges to promotions and making adjustments, correctly, just as often there are multiple charges where the consumer pays 2-3x the original charges bc items are posted more than once. 
When trying to get resolution either by phone, the ridiculous chat/messaging which literally is delayed due to different time zones in other countries and the consumer never speaks directly with a PayPal customer service rep. I believe the customer service reps are encourage not to handle any consumer complaints. 
A new twist on capturing more money and creating problems for its consumers, PayPal will automatically remove money from a balance versus posting to PayPal credit. I posted a payment of funds that was sent to my account for the contribution for a gift. I transferred this immediately. However overnight seemingly, a purchase I had made through XXXX with a subscription that I opened in XXXX ( no way to track subscriptions ) apparently allows this. I never experienced this before now. So that means I have to attempt to reach after funds into the PayPal balance which will take 3-5 days, and fees will likely occur. What Id like to know is how can PayPal interrupt and change my balance which was already going into my PayPal credit as a payment, without my permission? No notification of this change, only that suddenly I only have {$38.00} in my PayPal balance and a {$100.00} payment in transit to my PayPal credit. When I called customer service the credit aide cant see the PayPal side to tell me what happened. I had to wait 18 hours to read an email response of a chat message which was the message that PayPal interrupted my payment bc of this subscription. 
This company has oversight by the FDIC and I would hate to think any bank is allowed to function like this or other credit card company. Why are they allowed to function in this manner? 
Ive asked for an audit of my account several times without success. I want an audit of all promotions, interest accrued, promotional balances and payments from XXXX until now. I also want the XXXX companies who either didnt deliver items in a timely manner, sent shoddy quality items and ignored my request to ship an order that I cancelled. PayPal rules in the favor of the merchant every time!

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 2021-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/21 a person who stated they were a XXXX bank personnel and was notifying me that there were unauthorized transactions occurring. 
When I checked there were none but the personnel insisted they have security protections that detect when its happening to customers. They clearly had every bit of my personal information from first and last name, phone number and email that is linked to the account they then had me confirm several security updates by pressing commands on my phone as they text me. 
They even called me from an actual XXXX bank tel number. 
When I called to report it they rejected my claim as it was done through a XXXX XXXX and assumed I had transferred my life savings to my checking to and withdraw/pay some stranger in Texas, US that I have no knowledge of who that person is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2021 which I attached to this complaint hoping that they will check 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 non-monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2021 which I attached to this complaint hoping that they will check 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 non-monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
These accounts don't belong to me. Please remove them from XXXX. Please see below the list of accounts that are reporting derogatory on XXXX. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WFDS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

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 2021-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV FUNDING LLC {$4300.00} Fraudulent charge the account is not and has never been an account of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
Please see complaint # XXXX for reference. 
That complaint was sent in XX/XX/XXXX regarding multiple attempts to collect the same bill from a collection agency. Now this collection agency has sold to another agency and they are attempting to collect again.. on bills already paid in full. This recent bill, received on XX/XX/XXXX is dated XX/XX/XXXX and is the same amount {$760.00} as three other previously paid bills ( breakdown of bills paid is attached ). This is incorrect and is extortion. I have already cleared all my debts over a year ago yet they still send the same bills over and over and over.. Threatening to hurt my credit that I've worked so hard to maintain. I am including a copy of the complaint sent in XXXX attached, please refer to that complaint for additional information :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
Coinbase.com had an offer that if you set up a recurring buy of {$50.00}, they would give you {$10.00} Bitcoin reward after the 4th and 8th buy.

Allowing for the 5 days for the reward to hit my crypto wallet, I waited until the 5th purchase to ask where my reward was for the 4th. They said I wasn't eligible at this time. I inquired why, and they replied that the " confirmed '' I wasn't eligible. 

I said that if they could " confirm '' it, then they should know the reason why. Like " you were not eligible because you didn't meet condition xyz ''. Their reply was that they are working hard to quickly address the issue. That's the last I've heard from them. 

I told them that if I didn't get an answer, I would contact the XXXX. I started to do that, but I saw they already have an XXXX  rating and hundreds of 1 star ratings and complaints. So I decided to write you instead. If you read the XXXX complaints, you'll see others like me who were not given the promised bonuses, along with others who say they were locked out of their accounts, or had crypto disappear out of their account, or had transactions where they didn't get all the crypto they should have gotten at the exchange rate at the time of the transaction.

Coinbase appear to be cheating their customers in every was at any opportunity. They should be investigated. Attached are the email chains of my correspondence with them : ===

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i recieved a letter from XXXX XXXX  XX/XX/XXXX stating they were removing my discharged Bankruptsy from my file, i will attach the letter. I sent this notice to XXXX they deleted, my XXXX Bk from there file. i sent the same letter to Experian and XXXX. i disputed this item over and over, sent in proof of tne letter fro m XXXX XXXX, the XXXX from XXXX still remains on my file. in fact on most of my disputes, the resukts page they are unsure what exactly i am requesting of them. i called XXXX XXXX, they said tnat my bk from XXXX has been deleted off their verified system. They were filing a Description of Procedure amd disputing it be deleted from the unverified file system. after learning this i filed another dispute with experian and XXXX. i received a letter from XXXX XX/XX/XXXX i will forward. they explained to me that my bk acct was verified with XXXX XXXX as accurate and would remain on file until XXXX? how can they verify an acct as accurat that has beeen deleted off the verified and unverified ; files? i called XXXX in late XXXX, the associate that answered my call told me they dont even need to forwrd the dispute to the 3rd party verifier as long as it shows that the informatuin at some point was verified? that doesnt seem right? what must i do to get this file deleted off my report. i hope you are able to help with this situation. i also feel that only being able to use 100 and 200 words in a consumer statement to clearly describe a situation hardly enough to have you fully undersdtood

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 2021-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been a victim of financial fraud and identity theft. 
I was scammed, the suspect had access to my ID, social security. I reported to my bank, Coinbase, police Federal Trade Commission and FBI IC3. 

I have lost total of {$52000.00} which $ XXXX of the total was transferred from my XXXX XXXX  to Coinbase, The first transaction was on XX/XX/2021 to Coinbase for {$30000.00} The second transaction was on XX/XX/2021, also to Coinbase for {$20000.00}. 

The funds were sent to Coinbase and subsequently transferred to two separate third-party digital wallets without any warnings about potential fraudulent activity in relation to said digital wallets. The digital wallets belonged to scam cryptocurrency platforms/organizations. I have not receive the service or protection that was promised or described by Coinbase LLC nor XXXX XXXX I have tried to contact Coinbase to dispute these transactions but was ignored and not offered any assistance. 

XXXXXXXX XXXX is not willing to investigate further or to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
After viewing my consumer credit file on from XXXX, and XXXX XX/XX/21 I the consumer XXXX XXXX noticed a consumer report furnished by Capital One Bank USA NA account # XXXX without my consent and instructions that they need to have to furnish such report according to 15 USC 1681b ( a ) ( 2 ) the permissible purposes section of the FCRA ; Capital One Bank USA NA included in the consumer report things that shouldn't be included in their also according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ), ( B ) of the FCRA exclusions subsection. It stated the following : 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) says a consumer report does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' While 15 USC 1681a ( d ) ( 2 ) ( B ) States that a consumer report does not include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. For Capital One Bank USA NA furnishing a consumer report without my consent or instructions this constitutes as identity theft under the FCRA. Which makes them civilly liable pursuant to 15 USC 1681n and their negligence according to 15 usc 1681o for them failing to take proper care and the mismanagement of their procedures for them reporting inaccurate information as well as invading my consumer privacy, actual damages occured on the bases of defaming my character for them furnishing a deceptive according to 15 USC 1692j ( a ) in them opposing as the creditor of me when I am was the original creditor in this manner by way of offering and having my consumer credit be extended from my open end consumer credit plan. I by way of notice on XX/XX/21 sent a notice to Capital One Bank USA NA of FCRA violations by way of certified mail receipt # XXXX XXXX XXXX XXXX XXXX I attached all said FCRA codes that they are in violation of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I have written about this before but it is so important that it must be mentioned again. Specialized Loan Servicing/S is representing XXXX XXXX XXXXXXXX XXXX  XXXX XXXX They are trying to force me to pay almost {$25000.00} for a 2nd loan balance of {$10000.00}. First I want to discuss the validity of their claim to the loan. S/XXXX said they aquired the loan from XXXX in XXXX, MI in XX/XX/XXXX but this can not be correct. I was paying XXXX XXXX XXXX XXXX XXXX, TX both before and after XX/XX/XXXX. SXXXX started sending me statements after XXXX XXXX  went out of business in XXXX. Why is that? Could it be that they were taking unfair advantage of the situation. SXXXX  filed a lien against my family home in XXXX. If they really owned the note, why did they wait so long ( after not receiving a single payment ) to put a lien against the house? I think they were making sure " the coast was clear. '' In regards to the {$10000.00}, my transaction history shows the balance was modified into the 1st loan. SXXXX has stated that the amount that was modifed was fo {$4200.00} interest, {$3400.00} escrow and {$2200.00} in fees but that is not true. There's not even a fee for XXXX, and the {$3400.00} is not a ( - ) like the {$4200.00}. Futhermore, my transation history proves what I am saying is correct. The 2nd loan was modified into the 1st loan : {$10000.00} Principal Paid XX/XX/XXXX and {$710.00} Escrow Paid XX/XX/XXXX ( {$10000.00} total ). 

I am sharing this information to try and help myself and others. 
These companies should not be allowed to get away with treating people like 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 2021-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I purchased home in XX/XX/2021 with NewRez. In XXXX I receive a letter that XXXX owns loan now but to continue with NewRez as mortgage servicer. I always pay my mortgage 2 weeks early on the XXXX of the month. Today I receive an email from a loan company I never heard XXXX, or was given the heads up my loan was transferred. They say they aquired my loan XX/XX/XXXX and nobody informed me and I am late on payment and owe an additional {$21.00}. Not only have I paid XXXX 's mortgage but I paid XXXX 's too. Yet they are saying I still owe with a fee and late on XXXX. I am very upset and especially having not been forewarned. How do I know this is not even a scam? They better take off fee and have me credited up till XXXX. I do online banking and it shows both checks cashed and dates.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have submitted a dispute with Experian to correct the address information. It is not # XXXX, It is XXXX XXXX on the same line as street name.

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 2021-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2021-12-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My Auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid in full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX ) on XX/XX/XXXX to evidence the payoff on this account. 

Currently, this account is still showing a balance on my credit reports from Equifax, XXXX and XXXX. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc.
State: NJ

Complaint narrative:
I purchased home in XX/XX/2021 with XXXX. In XXXX I receive a letter that XXXX owns loan now but to continue with XXXX as mortgage servicer. I always pay my mortgage 2 weeks early on the XXXX of the month. Today I receive an email from a loan company I never heard Valon, or was given the heads up my loan was transferred. They say they aquired my loan XX/XX/XXXX and nobody informed me and I am late on payment and owe an additional {$21.00}. Not only have I paid XXXX 's mortgage but I paid XXXX 's too. Yet they are saying I still owe with a fee and late on XXXX. I am very upset and especially having not been forewarned. How do I know this is not even a scam? They better take off fee and have me credited up till XXXX. I do online banking and it shows both checks cashed and dates.

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 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I filed two complaints with the PNC Bank ( First dispute XX/XX/XXXX, XXXX XXXX XXXX ) and the second dispute ( XX/XX/2021 ). I had 25transactions with XXXX between XX/XX/2021 and XX/XX/2021 ( Ten cancellations and Fifteen went through ) which matched my account with XXXX. On the other hand, within that time-frame, PNC Bank made 43 transactions in my Checking account ( Ten cancellations and Thirty-three debited to my account ). I filed a dispute, but XXXX of the Executive/ Client relations was adamant and reluctant to reach out to XXXX and sort out thing. Rather, she wanted me to identify the disputed transactions which was totally impossible based on the posted dates and reference numbers. The second dispute was on XXXX for {$54.00}, after a transactions was not processed by XXXX. Then I filed a complaint with the XXXX  and FTC. The FTC told me that they addressed issues with corporations, not individuals. Then I received a call from XXXX XXXX PNC Bank Executive/ Client Relations, yet faced the same obstacle. Went to their local branches here in XXXX XXXX, MI, the same stumbling blocks. Finally, I reached out to the Michigan DA 's office, which promised to forward my case to the Comptroller of the Currency office i XXXX, TX. Haven't heard anything from them yet.

Company response to consumer: Closed with explanation