vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
I recieved an email of paypal and it said that I can't no longer used business using paypal. Before when my account is not verified They e mail me something how my paypal account without limit, and then I just follow the instruction and then they congrats that I am already established seller and my account is unlimited payments then I transact everyday, and now, after transacting every a few months later, paypal sent me an email today that I can't no longer use any transaction o business in Paypal, the problem is I have a waiting payment in Paypal, and according to e email I can no longer recieved money using paypal, I try to go their resolution center but I don't see anything to fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The sum of {$66000.00} was sent to my Citibank account from wellsfargo on XX/XX/XXXX which was for the purpose of house renovation for my client, I withdrew the sum of {$8000.00} the next day XX/XX/XXXX fast forward to XX/XX/XXXX my citibank account was closed and the bank claimed to have sent the check which I am going to receive in 10-15 business day, the XXXX business day was complete and no check came through, I put a call to the customer service again and demand why they failed but I was told to wait for another 5-7 business day I would get a reissue the former might have been lost in the mail, I waited again and nothing came through on the 7th day .. I have been to the branch here in California several times, I have called and called morning has been done

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 2021-04-07 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

Complaint narrative:
My money did not send to other paypal account, my money is XXXX pesos.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: AZ

Complaint narrative:
I transfered XXXX from binance chain wallet ( binance smart chain network ) to binance.us ( XXXX XXXX ). I tried every other option to send and XXXX was the only way it would let me send. I have confirmed that XXXX was the incorrect way to send, but that binance.us will be able to recover the funds since it was still sent to my address, I am happy to pay any fees associated with recovery. 

Date sent - XX/XX/2021, XXXX MST Amount - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: OH

Complaint narrative:
I previously submitted a dispute regarding XXXX XXXX that was deleted and then reinserted. Please remove this account from my credit report. 

My correct name is XXXX XXXX : Please delete these incorrect variations of my name : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX My current address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or may belong to a relative : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX CT, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2021-04-07 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To who this letter my concern my name is XXXX XXXX I have contacted XXXX XXXX and Equifax LLC credit bureaus both mail and by phone after I applied for a mortgage XXXX and discovered inquiries on my credit report that did not belong and never seen before after sending 609 letter to validate I have not received any answers. This matter is urgent. These are the only items that should be accurately reporting below!! All other inquiries need to be removed immediately! 


These lenders have accessed your credit file : USDA-FSA Federal Government Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
WAYPOINT is claiming that I owe them {$380.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX  made the statement in their response dated XX/XX/2020 that " You received benefit from this transaction " which is a false statement. I never received any benefits from XXXX XXXX in any form. The company XXXX XXXX was shutdown by the Federal Trade Commission.

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 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I started an application for a checking account with Citibank which was never completed yet it shows in my credit report as open. I started a dispute with XXXX and they concluded that it was correct, I don't know the basis for that decision. I contacted Citibank and I was told that the account was never sent to the Credit agencies. 

I believe that it should be removed as it's not accurate. 

Thanks.

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 2021-04-07 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: OH

Complaint narrative:
I previously submitted a dispute regarding XXXX XXXX that was deleted and then reinserted. Please remove this account from my credit report. My correct name is XXXX XXXX : Please delete these incorrect variations of my name : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX My current address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or may belong to a relative : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX CT, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity Bank XXXX XXXX has been harassing my family and constantly calling my mom and son. They even told my mom they are going to contact my job and garnish me which is none of their business. They have been calling them daily for the past 6 months and refuse to close the account and stop the balance from rising. I tried to work out a deal and was told as long as I pay the agreed monthly balance it wont rise. It went up anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
AMERASSIST is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I made complaint # XXXX in XXXX and have not heard from CFPB except to tell me my complaint has been sent to the institution that denied my financing of my home for fraudulent reasons. This is unacceptable service : 2-months. Please look into my problem and help me resolve the issue. Your Agency isn't doing a very good job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
After a purchase of our home the mortgage was sold to Mr. Cooper ( https : //www.mrcooper.com/ ). Everything was smooth until we decided to refinance our home with XXXX. We obtained a payout amount which was valid past the date of our settlement date. Our new mortgage product was such that it was split into two parts and therefore the bank sent two separate payout amounts to Mr. Cooper. When Mr. Cooper obtained the first payout amount, they applied part of it to the current month 's mortgage, and as they explained, since it was not the full payout amount, they applied another payment to the following month 's mortgage ( which included about {$2000.00} in interest ). When all the accounts were settled, we were still missing about {$2000.00} and no one could explain to us where this money went. We tried to call Mr. Cooper 5 times and each time we got hung up on. Finally they sent us a payment schedule, which did not explain how or where the {$2000.00} went. We reached out to our new bank and asked for their help. All three parties got on a phone and were told the same story : Mr. Cooper doesn't owe you anything '', but we persisted, because 2+2 was not adding up to 4. So they escalated - and surprise - we got hung up on AGAIN! 40 min later, we finally got through to another escalation agent, who told us that the payment was applied to the month of XXXX and when we enquired what the interest of that month is - it was approximately the {$2000.00} dollars that have been missing from our equation. Needless to say that they also did not prorate the interest for the month of XXXX although they only serviced our loan for the first 9 days! This is very wrong and a way for Mr. Cooper to pocket extra $ $ $ from unsuspecting and non-diligent consumers, who trust that the banks do the right math. We have not received a correction or a refund yet. 

This sounds like a deliberate way of conducting their business and needs to be addressed by a regulator or a Class action lawsuit. 
https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Nelnet, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I asked NELNET to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, NELNET sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low XXXX XXXX to low XXXX on all 3 credit bureaus. I went back and forth with NELNET the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by NELNET that the new servicer will not report the late payment. Despite showing NELNET accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit. 
I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have NELNET corrects the error on my credit report. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Credit card where unaccessable

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 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I refinanced with loanDepot late last year. After escrow closed, I realized I was overcharged {$490.00} in escrow by loanDepot. 

All the documents ( Itemization of Fees, Closing Disclosures ) I signed prior to closing show that I had already paid {$490.00} out-of-pocket for appraisal, and that I would not be charged this at closing. Yet when the loan closed, the closing statement shows I was charged this {$490.00} specifically at closing. 

To add to the absurdity of situation, 17 days AFTER the close of escrow, loanDepot sent me a revised Closing Disclosure ; The charges on this revised CD ( dated XX/XX/2020 ) matched perfectly with those in the escrow settlement ( dated XX/XX/2020 ). 

It is as if they were aware that they overcharged me {$490.00} during escrow, and then tried to force me to accept the new charges shown the revised CD. They seem to be admitting on paper that they have committed fraud. 

I have brought loanDepots attention to this matter several times, but they still wont reverse the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Tried calling customer service to remove inquiries with TransUnion and they refused. 

XXXX XXXX- XX/XX/XXXX and XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XX/XX/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 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
www.coinbase.com coinbase ran an advertisement on the XXXX XXXX promising {$50.00} in XXXX for making an account around XX/XX/2020. There was no star or fine print but when you clicked on the ad and made and account you never got the money. Their customer service said I was not entitled to the money in the advertisement because I didn't verify my personal information even though the ad did not put stipulations on the money. After months of waiting and emailing them they never said how someone would get paid the {$50.00} just that they were not paying it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
We received covid relief which lender applied XXXX to our mortgage on XX/XX/2021, they applied XXXX towards escrow and XXXX to principal. Their was no application for the balance of XXXX From the deferment of XX/XX/2021. 
They added additional XXXX on XX/XX/2021 to the deferred principal stating they applied it to XXXX payment. There was no application or payment applied. 
They shorted XXXX in applications from deferred principal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RC is claiming that I owe them {$440.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX  Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 The inquiries listed above were obtained without my knowledge or consent. I am requesting Transunion remove them from my credit report immediately. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN 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