vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX USA Re : AUTO LOAN Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter ON CONDITION that you : 1. Produce the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. 

2. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please contact me in writing to arrange for an appropriate point of inspection. 

3. A statement admitting whether you are the holder in due course or whether you are a servicer. 

Lastly, Please provide me with your statement of the amount owing as of ( XX/XX/22 ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 7 days as I have asked for, point for point will be taken as an administrative default. 

Thanks. 
XXXX XXXX Without Prejudice - [ ]

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 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
My name is XXXX XXXX .Paypal closed or limit my account for just no reason. After receiving funds to my account, I could not withdraw the funds or make used of the funds in my paypal account. I was told funds will be held on my paypal account for 180 days, but now it is more than two years. No email from them about the release of my funds. My paypal email is XXXX I will be very happy if this can be resolved for me because I need that funds to fix a lot of things right now Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Venmo froze my account when I reported unauthorized transactions a few months ago I don't know the exact date they told me I had to prove my identity to unfreeze my account so Friday XX/XX/XXXX I think Friday was the XXXX I finally got my ID I sent in a picture of my ID with a selfie of me holding it like they asked me to and I got an email back saying my account was permanently deactivated and they were keeping my funds for 180 days how do I get punished for somebody hacking their system and stealing my money and they did an investigation and in the investigation they found that there was unauthorized transactions I just want my money out of the account and they can close it I want nothing else to do with that account except for I want my money that belongs to me there's {$600.00} in my account that's a lot of money to just let someone take and not do nothing about I'm being evicted because I told my landlord as soon as I got my ID I would be able to get to the funds to pay my rent I'm 3 months behind he was going to let me pay that {$600.00} and now I have to move because venmo won't give me my money and I don't have the money to move now I'm going to be on the streets because of venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
An unidentified person called the stores phone and had the assistant manager key in numbers and amounts on the register to fraudulently attain funds. 
1 {$400.00} Western Union tracking number XXXX XXXX {$600.00} Western Union tracking XXXX XXXX {$550.00} Western Union tracking numberXXXX the receiver of these funds gave the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AR

Complaint narrative:
We have had an issue contacting this lender since our mortgage was sold to them. Recently they reported to the credit bureau that we were behind on our mortgage, which we are not. A few days later they reported that the payment had been made and we didn't know about either. We pay an extra {$500.00} per month on our mortgage to get it paid off quickly. So behind on payments or struggling financially is not an issue for us. However, when we try to reach someone in customer service they claim the wait time is 60 mins and even that isn't true. We have waited up to an hour and 25 mins and they never answered the phone. If i press the button for a new mortgage I am not placed on hold at all and someone picks up on the first couple of rings. My credit is very important to us even though we don't owe on any vehicles or anything like that. Their mistake and lack of communication affected my credit score by over XXXX points. This was completely avoidable if they had adequate staffing and willingness to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
I work for the XXXX and have been applying for PSLF program since XX/XX/XXXX. I have called and submitted forms several times. I was told in XX/XX/XXXX that my form was never received. The company acknowledged receipt of it now but still hasn't processed it. It's been almost 2 years and I still do not have an answer about whether I'm approved for the PSLF program. I keep getting told they will reach out to me but no one has ever reached out in 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Foris DAX, Inc.
State: OK

Complaint narrative:
LOST EVERYTHING IN CRYPTO.COM!! 
'Coordinated Price Manipulation Through Derivatives Market Abuses! ' cause me to get scared of losing money so fast that I sold at a loss, again and again being bullied out of Positions in all manner of Cryptocurrencies. 

PLEASE MAKE THEM STOP!!! 

PLEASE HELP!! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
This is a followup complaint to the original submission on XX/XX/22 with BSI financial. I have still not heard from them, and as of today XX/XX/22, my county government still has not received escrow payment from them.

Since my original submission, I have talked to a real estate attorney and housing counselor. I have contacted my district 's councilman.

They all told me to file complaints to other agencies. The housing counselor is suspicious that BSI is using 3rd party paper checks in this day and age and that BSI could not provide me a tracking number of the check when asked. 

If you look at their online reviews, they are all negative. Interestingly, there are a lot of reivews asking if the place is hiring which is also strange. 

I have been instructed to submit these new complaints and report to local authorities about possible money laundering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
XXXX, My name is XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX I have an issue with my funds with my direct deposit from social security XXXX and XXXX money not being released to me from my bank. 

They now put a no trespass order on me. 
I didn't deserve this. Is there any way to remove this? 

Now with today 's deposit XX/XX/22 from XXXX XXXX XXXX XXXX XXXX 

For the last two months now at the bank listed below. 
Citizens Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Of {$860.00} plus XXXX {$53.00} Times XXXX. This month & last months. 
{$1800.00} I live off this money, I need it to survive. 
I am homeless in a motel called XXXX in XXXX XXXX XXXX.XXXX VT  XXXX. 
Where the windows just pop in and out and it is not a safe place. 
I need this money. 

( I did fax Social Security about two in a half weeks ago, plus yesterday, I don't know why its not updated! ) ( tears ) Please send my payment to ; XXXX XXXX XXXX XXXX XXXX XXXX VT, XXXX please, and thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have a Venmo account with a balance of {$1100.00} that the company will not allow me to access. 

On XX/XX/22, I received an email stating in part, Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement. If you would like to reactivate your account, please submit a picture of your unexpired US government- issued photo identification via our Document Upload Form, linked below. This is required to ensure you are the legal account holder. 

On XX/XX/22, I uploaded an image of my US passport card via the link they provided in their email. 

On XX/XX/22, I received this email : Hello, Thank you for reaching out. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

Team Venmo I have sent emails to XXXX and reached out multiple times to Venmo support ( XXXX ). No one can explain how I violated the user agreement, or how I can get my money out. 

At the moment, my Venmo balance is all the money I have to my name, so this is devastating. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Hello I am emailing once again, my credit report is showing a negative credit remark for a late payment on XXXX. I was in forbearance during that time and working closely with XXXX XXXX from Shellpoint mortgage loss mitigations department.my forbearance was from XXXX XXXX XX/XX/2021 and we resumed payments in XXXX of XXXX. Our loan was sold from cardinal financial to Shellpoint mortgage on XX/XX/2021. XXXX from shellpoint and I worked on the forbearance and the partial claim together. I made sure to always contact him with any questions I had and asked if any negative credit remarks would be added to my credit during or after this entire process he advised me there would not. He stated all payments were taken care of properly and that the partial claim was successfully completed. I have made all my payments on time and my payments resumed in XX/XX/2021 after my forbearance me partial claim. This is negatively affecting my credit score and caused me to drop many points. I have been trying to get this fixed since XXXX of XXXX  and am still having issues and facing hardships due to this mistake they made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Inquiries : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2022 the Bank of America closed my checking account with {$1900.00} in it. They said they would send in a special request to have it released, but it would take 3 days for approval. Today, XX/XX/2022, I called them again to get that money. Again, they said it would take a special request and I was to call them again to see when it would be released. To call them is to hold at 20 minutes each time and I want my money!

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 2022-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
I paid off my car loan via bill pay with my bank, XXXX XXXX XXXX XXXX. Instead of releasing the title to me it was released to XXXX XXXX. Remember, bill pay checks are from the account holder, NOT the bank or financial institution. I was in the process of negotiating a new car purchase but could not continue without the title. I spent over {$100.00} to get the duplicate title from Nevada DMV. I have requested reimbursement from Exeter because it was their error. It took Exeter a month to provide me my title and in the mean time I has gotten the duplicate from the Nevada DMV making Exeter 's copy moot. 

Today, Exeter 's response was, " After further review, Exeters records indicate you were advised that once the title was received from XXXX XXXX XXXX, we would send the title to you and pay for the XXXX XXXX  overnight to expedite the delivery. 

Therefore, we will not reimburse you for any additional cost that you incurred for requesting a duplicate title. '' The quality of customer service and knowledge of consumer banking is far below the standards a major finance company should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I filed a compliant on XX/XX/XXXX against Bull City Solutions and they still failed to provide with proof of the debt that they insist that I owe. I thought the purpose of filing a complaint for them to prove that I was responsible for the debt. I was in violation of my HIPPA because at no time did they provide proof that I signed documentation with that company to have authorization to handle anything that pertains to my name. My compliant was closed with them not even providing proof and I thought this was the steps to resolve this issue. I am not responsible for this debt and they have yet to show proof. I have provided what I said and their response. It can not be as simple as them saying that they have information that I already requested now say simply they have documentation that they never provided. I want resolution to this issue. I want a document with my license and signature authorizing that I have a account with them. If they can not produce the requested information I want those accounts deleted from my credit reports with all agencies. 

My initial response with compliant number and the responses Compliant number XXXX On XX/XX/XXXX, I sent a certified letter to Bull City Financial Solutions . The letter was a standard debt verification letter. I received a response via mail dated for XX/XX/XXXX. The response was a print out of a supposed bill/procedures. Attached in the letter was assuming doctor visits and lab procedures that were performed. This documentation is in violation of my HIPPA law. I did not authorize them to have any documentation of any of my medical history or anything relating to anything I may have done at my doctors office. They could not verify that this debt belongs to me. 


Bull City Response : Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. Copies of her driver 's license off our clients system has been sent as further proof the debt belongs to her. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: IA

Complaint narrative:
I received a XXXX XXXX XXXX  XXXX  statement in the mail that I never applied for. There was a charge for {$150.00}. This account was not opened by me on XX/XX/2022 for a purchase I never made. I called the operator number XXXX listed on the statement to protest this account being opened in my name and the operator told me that my phone number is not on file. She asked me for my phone number and I gave it to her but I think that was a mistake. She said that it was a fraudulent account and that she would send me a form in the mail from the company to fill out to contest the fraud. I am waiting for that letter but I am not confident that this is a legitimate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I'm applying for a mortgage and it currently showing on my credit report that my account is in dispute. However I'm not disputing anything currently so I need all disputes comments to be removed asap. I need the discover account dispute to be cleared and the comments removed. I'm purchasing a house so I need those disputes comments removed. Please close the disputes on my discover account and remove the comments asap. the discover account number should be ending 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 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I have a mortgage with United wholesale mortgage. They admitted that failed to pay my homeowners insurance from my escrow account, thus causing a lapse of a month in insurance. Setting aside how disastrous that could have been, they are now charging me a {$170.00} fee for the lapse of insurance coverage, which was their fault. I've spent hours on the phone with no resolution. I also paid my insurance myself and faxed them notification that I no longer want my insurance part of the escrow account. Despite that they just notified me that my escrow account is short {$2900.00} therefore I have a new mortgage payment two hundred dollars more. And they wont change it despite knowing I will be paying my own insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On Monday, XX/XX/2022 at around XXXX, XXXX XXXX XXXX XXXX XXXX ) from Rocket Mortgage called and at one point, he asked for my DOB which I thought was part of the process of completing the file for our mortgage account which was recently got transferred to Rocket Mortgage. NOT knowing that he pulled a hard credit report on my husband and I. He misled me by asking a series of questions and at that point, when he asked my DOB, I thought was all part of his job of completing our information. Unfortunately, he ran a credit report on my husband and I which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I'm applying for a mortgage and it currently showing on my credit report that my account is in dispute. However I'm not disputing anything currently so I need all disputes comments to be removed asap. I need the discover account dispute to be cleared and the comments removed. I'm purchasing a house so I need those disputes comments removed. Please close the disputes on my discover account and remove the comments asap. the discover account number should be ending 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