vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: SC

Complaint narrative:
I have used Venmo for many years and have never had a problem. I have enjoyed the app and it has been easy to use. I trusted them with their service but that is not the case any longer. XXXX XX/XX/2022, I tried to transfer funds of {$100.00} from my account to my bank account only to find out that my account was " suspended ''. I never received an email, I never received a notification on my phone, I was not contacted in any way. I contacted them on XX/XX/2022 and asked for an update on how to unsuspend my account. The customer service team told me they couldn't provide an answer and I would need to wait for their " specialized '' team to reach out to me in 6-8 business days. I decided that a phone call might help speed up the process, I called and still received the same answer. I contacted them again today, XX/XX/2022 and they told me the same thing, but this time, the timeframe can be up to 3 weeks. The CS agent said that I " might '' hear something by XX/XX/XXXX. I still can not access my funds. I still do not understand why my account has been frozen. I believe Venmo, like many other financial institutions, invests the money that I have in my account to make themselves money and they're holding my funds to benefit themselves. This is an unacceptable policy they have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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: SC

Complaint narrative:
Venmo has frozen my account with no explanation or course of recovery. They've been holding {$2700.00} with no explanation as to why this is happening or how I can unfreeze my account. 

I've tried to get in touch with the company through various avenues : A ) I called on XX/XX/XXXX, their phone support did not have any live agents that could help. 
B ) I emailed on XX/XX/XXXX, XXXX, XXXX, XXXX. 
C ) I attempted to contact through their app and via XXXX  on the XX/XX/XXXX. 
D ) Notified them that I am filing a complaint via XXXX  XX/XX/XXXX. 

I've only received automated responses with help articles ( that don't help ), an out of office response, and an email asking me to wait 6-7 business for more information. No follow ups or responses since.

It's ridiculous that they can hold thousands of dollars with no reason or communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: DE

Complaint narrative:
I have attempted to receive debt validation from the company in dispute and they have ignored my attempts. My attorney sent multiple letters and they failed to validate the debt as well as the fact that they have re aged this debt on ny account multiple times. Letters were sent from last year up until this year to no avail. The company has yet again failed to substantiate this debt and also have negatively impacted my credit in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I contacted Bank of America to cancel PMI based on my investor requirements. 


I received a letter from XXXX XXXX from Bank of America stating an original value amount mean the same as an amount on an appraisal. 

Im a XXXX XXXX XXXX XXXX for over 20 years. The property was purchased in XXXX. What was paid in XXXX would be the original value not an appraisal from XXXX. 

Make it make sense. 

Below is my investor requirements ; Borrower-requested cancelation of Borrower-paid mortgage insurance based on the original value The table below lists the requirements for Borrower-requested cancelation of Borrower- paid mortgage insurance based on the original value ( as " value '' is defined in Section 4203.1 ) : 1. Cancelation point Based on the original value, the loan-to- value ( LTV ) ratio must be 80 % or less. ( Note : As opposed to the conditions set forth in row 1, Cancelation point, of Section 8203.2 ( b ), there is no required minimum period having elapsed Ive requested to have the name of my investor provided. Ive received nothing but a generic boiler plate document that does not state the name of my investor. 

I requested to receive the written language from my investor stating the terms under which PMI can be canceled. 

Bank of America sent me a generic letter saying an current market value is needed based on my investor requirements. XXXX XXXX sent and email saying an appraisal is needed. 

Neither is correct. My investor does not require a current market value nor an appraisal. 

It looks like Bank of America is just making up things and not complying with the federal investor requirements for my mortgage loan? 

This is terrible.

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 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I believe the servicer is intentionally creating obstacles to try and get me to fall into default. Ultimately they want to steal my property. 

The servicer Fay Servicing requires me to reset my password almost every other month when I log in to try and pay my loan. They also have rather ridiculous rules for that password, and do not allow me to reuse any from the past. I am a mature individual who can sometimes have some memory concerns. I contacted the servicer to request an exception be made for my account ( I know this is possible ) they said that was not their policy. I requested to speak with a manager who again reiterated that was the policy and if I had trouble remembering I could always " write down the password ''. 
Other industries when a customer does not like the business policy they can do business with someone else. I no longer wish to do business with this servicer who will continue to place unfair and abusive ( to elderly, memory impaired ) customers, which they suggested that I could always " just refinance '' the loan to do business with a more consumer friendly company. I think that this is just another attempt ( by locking me out of my account ) to cause my loan to go into default, which is where a servicer can really make a nice profit off the default fees. 
There should be no problem in allowing me to either a. reuse a password, or b. set an exception to my account where this password does not change every other time I go to pay online. Perhaps a note from a government regulator may suggest revisiting their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, Account # XXXX and XXXX Bank, Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, Account # XXXX and XXXX Bank, Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DLC, LLC
State: NV

Complaint narrative:
I received notification from XXXX that there was a collection on my account from XXXX XXXX XXXX XXXX for the Dollar Loan Center in the amount of {$830.00}. I have never had a loan with the Dollar Loan Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States have the rights to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States have the rights to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
XX/XX/2022 fraudulent XXXX transaction of {$1500.00}. Every time I call the customer service number there is an enormous wait time, most recently 45 minutes. I get disconnected and when the service offers to call me back, I get the call however there is no agent present and the phone disconnects. I would like to get my money back if possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
The money I transferred from wise money transfer agency on XX/XX/2022 to my accounts in XXXX was not reached as per the schedule

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX IS IN VIOLATION Equifax has XXXX XXXX XXXX as being opened since XX/XX/2016 but the payment history for each month of 2016 is MISSING. 

The full payment history has been provided to them and is provided here. Provide the complete payment history for this account or delete entire account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XX/XX/XXXX, XXXX XXXX The XXXX XXXX XXXX XXXX and its Subsidiary EMC Mortgage Corporation set me up in a Forbearance Agreement. Which I abide by and made my payments of {$350.00} each month. Then in the year of XXXX I was hired in the Bureau of the Census in XXXX, North Carolina as an XXXX  or another name is a XXXX XXXX XXXXXXXX. Why working on an assignment in the field a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  causing me to be injured and rush to the XXXX XXXX room. There I was put out of work. And I send letters to the EMC Mortgage Corporation Customer Representative explaining that I have XXXX XXXX XXXX XXXX Each representative gave me different amounts to send in my mortgage payments. I call the Supervisor of that EMC Mortgage Customer Service Representative he gave me a different amount to send to get current on my payments.

Later I received letters from that the EMC Mortgage Department stating the amount of payment was wrong. They told me the Customer Service Representative does not work here any more, and the other representatives have been reassigned to some other consumers. Then I received an eviction letter forcing me out of my home in less than 30 days. I am filing this complaint unlawful practices in servicing consumers ' home mortgage loans. And I am filing the complaint because I want to be reimbursed with interest of the money I lost on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, i was informed by my mortgage servicing company, Loancare LLC, that they needed proof of my homeowners insurance or they would purchase a policy for {$4300.00}. This is how I found out that my policy hade been canceled on XX/XX/XXXX by my insurance carrier. I immediately obtained a new policy that started on XX/XX/XXXX and it is currently in place and they have the proof required. However, they are now going to charge me {$4300.00} for that lapsed time period. The policy lapsed XX/XX/XXXX. 
I did not receive notice of the lapse from my insurance carrier, my agent or the mortgage company. 
Per legal statute : The servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy. The servicer must then send a second noticea reminder noticeno earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. This notice must include the cost of the force-placed insurance or a reasonable estimate of the cost. ( 12 C.F.R. 1024.37 ). 
They just sent a notice on XX/XX/XXXX. They did not send any notice during XXXX timeframe. I did not receive a notice of cancellation from the insurance company as the policy had the wrong address. I am not even sure why it was cancelled as the premium was paid.

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 2022-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
This company has constantly failed to provide proof of debt even after my attorney has requested it. I have also requested that they validate this debt and they have failed to do so. I have been suffering from the re aging of the debt which has been changed on my credit reports multiple times. They failed to respond to attorney letters sent out. I have proof which will be shown in this complaint. This company is very unfair and they have been committing fraud against consumers. As a consumer I requested to have this debt validated and all of the requests to no avail. In addition to my personal attempts to have this fraudulent company provide proof, My lawyer attempted on XX/XX/22 and again on XX/XX/22 to resolve this and the company is still violating my rights as a consumer. They have failed repeatedly to validate this debt within the 30days allowed by law and beyond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was involved in a job scam. I was offered a job as an assistant to a lawyer who sent me a check which he asked me to donate to a charity. I received the check on XX/XX/2022 in the amount of {$4900.00}. I was instructed to deposit it into my bank account and send {$1500.00} through Venmo to an account named XXXX XXXX on XX/XX/2022. I then found out that the check was fraudulent, and it bounced leaving my account balance at $ XXXX. XXXX and Venmo both have proven unhelpful in having the money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-07-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
CFPB case # XXXX The very first line of my complaint was NOT addressed. The sole purpose of the complaint was not even talked about in Equifax 's response. It's like they ignored my request and did not investigate. The exact same thing Equifax has done for years. Ignore every dispute and ignore every complaint. 

" Equifax is reporting Date of First Delinquency XX/XX/XXXX regarding my account XXXX XXXX XXXX XXXX. This is shown on the attachment Equifax XXXX XXXX In the same attachment, it also shows delinquency started in XXXX. '' Equifax also ignored filling out the method of verification letter. I need to know WHO AT XXXX they are talking to. XXXX and Equifax do not get to report false information on my report and not tell me who they are talking to. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On or about XXXX I applied for a Sams Club Credit Card ( Serviced by Synchrony Bank XXXX and was denied for the reason " Could not verify Identity '' via email - I called the toll-free number as directed and after several long holds, disconnections, and more I was told I would be mailed a letter that would explain. To date, I have yet to receive a letter. Frustrated, I reached out the Office of the CEO and was contacted by a XXXX XXXX. XXXX XXXX said she would research my application and get back to me. 
Today, XX/XX/22, she called me and told me her fraud department could not provide any further information. She told me I should try to reapply in person. I asked her how long I should wait, and she said, 30 days. I called the toll-free number and was told I must wait 90 days. 
My complaint is that I am unfairly being denied credit due to a fraud reason no person at Synchrony can explain and, I have offered to go to a XXXX XXXX XXXX to verify my identity or to mail/fax/email a copy of my ID including a passport. 
My credit history is flawless, and I have scores at or above 800 on all three repositories. I was told that my application was denied and that I have no recourse. This is unfair and discriminatory as I have gone above and beyond to resolve this. 
XXXX XXXX admitted this is a flaw in their system however offered no resolution to me other that than the apply in 30 days suggestion which thankfully I called to verify just to find out she was wrong.

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