vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I added a new account link with Capital One last Friday, XX/XX/XXXX. I was instructed to wait for two small deposits to the new linked account to verify and validate the account. I did that after receiving the two deposits early on Tuesday morning, XX/XX/XXXX. I received confirmation that the account was linked. I then initiated a transfer, and received confirmation XXXX XXXX, XX/XX/XXXX. Soon after there was a message on all my accounts saying that Your funds are currently not available for withdrawal. Please call us at XXXX. I called immediately answered questions and was placed on hold for 34 minutes without anyone checking back with me. Then whomever answered asked me what she could help me with! Then another 36 minutes passed and I told that XXXX XXXX was blocking the transfer. I disagreed and said that was impossible and that no transfer that I have made previously with Capital One was ever completed within minutes. They have always taken days. I still validated with XXXX XXXX and they did not receive any funds transfer and they confirmed that they would never decline one. I set up the XXXX account on Friday, XX/XX/XXXX, and it took until Tuesday, XX/XX/XXXX for the funds to be received at XXXX, so what they are telling me on the phone feels very inaccurate. I was told I was talking to a supervisor, and she said they needed to confirm and validate my account with XXXX. I said ok and requested that she get back to me asap ( they also had asked for my phone number in case we were disconnected ). No one called me back and my accounts are still being blocked for my access. I reached out again yesterday, XX/XX/XXXX. No response. I am now receiving an email that they are stopping my scheduled payments that are do with my providers. I reached out again, and now to you also. I need help! They are impacting my livelihood and my personal credit. If my scheduled payments ( which Capital One provided confirmation that they would be made ) are not paid there are all kinds of repercussions. These are my funds and they have no right to keep me from them. Their non responses and failure to follow through with what they communicate is troublesome to say the least. I don't know what else to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
I received my home in a divorce in XX/XX/XXXX. I immediately notified the OCWEN mortgage company providing them a copy of my divorce decree. I also requested information on my mortgage even though my ex-husband was responsible for the mortgage. My name was not on the mortgage so they refused me any information. 

In XXXX, they filed suit against me and my ex-husband for foreclosure. They later dismissed the case without prejudice because they realized that my name was not on the loan. I contacted them again for information and was again refused stating I was not the account holder. 

In XXXX and XXXX, I filed for bankruptcy to save my home and obtain information to pay the mortgage. I requested a modification and was denied stating I needed written authorization from the account holder. 

After filing a complaint with the District of Columbia 's Department of Insurance , Securities and Banking, the PHH Consumer Account Analyst in the Office of the Consumer Ombudsman sent a letter dated XX/XX/XXXX stating, " Our records indicate that we have not received authorization from the accountholder to provide account specific information to Ms XXXX. Therefore, to protect the accountholder 's privacy, we are unable to release any information regarding the account. '' On XX/XX/XXXX, the Bankruptcy Court concluded that the best interest of creditors and the debtor is to dismiss the case so that the debtor may pursue remedies outside of bankruptcy and negotiations with her mortgagee. 

I made several Qualified Written Requests to OCWEN and XXXX/PHH mortgage companies from XXXX to XXXX. On XX/XX/XXXX, I finally received a letter from PHH stating I was confirmed as the Successor-in-Interest. Finally, I was able to finally receive a mortgage statement in XX/XX/XXXX after my initial request in XXXX. 

As a result of their failure to comply with CFPB Reg 12 CFR 1024.38 ( b ) ( 1 ) ( vi ), my mortgage is over $ 200K behind with penalties and legal fees. I have a foreclosure judgment. And the amount due to Reinstate in {$200000.00}. 

According to the CFPB Bulletin 2013-12 ( October 15, 2013 ), Servicers must let successors in the interest know what reasonable documents they need to provide for communication and assumption. They must also let successors in interest know what options are available. Lastly, services must develop policies for suspending foreclosure and processing assumption and loan modifications simultaneously. 

OCWEN and XXXX/PHH, both, failed to comply with the regulations for 7 years causing harm to the successor in interest and violating their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc.
State: NE

Complaint narrative:
They have called my place of work multiple times after almost two months of me telling them to put me on the do not call list. I can try to have my boss pull the call log for the past two months if necessary to get them to stop calling me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: FL

Complaint narrative:
There are unauthorized inquires on my credit report.

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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent out Multiple Letters to remove Fraudulent inquiries off of my credit report I have sent letters to both the creditors and Credit Buerros and these inquiries are fraudulent I then next contacted Transunion and XXXX  which I was violated my right under the FCRA by not helping me out denying me to even be transformed telling me that they can't do anything else wouldn't transfer me over to a manager or fraud department I was working with people that couldn't help me then I got transferred and my account was locked or Transunion but the funny thing is that I was just talking to the dispute department and she got angry when I asked to transferred and locked my account then when I asked to speak to a manager he was able to view it. Then He told me that they will send a letter even though I have sent multiple letters and I did it in a 30-day time frame so and they never answered me so now they must be taken off but still haven't taken them off. XXXX I have had multiple fraudulent inquiries and when I call them they have said almost the same thing but they had an update to their system so they couldn't update help which also violated me under the FCRA and I have been locked of my account for months and every time I call they can't seem to fix and say someone will call but no one has ever called so now it is time for them to take these inquiries off for never helping me get them off and they are fraudulent I have written multiple letters to them no reply. I have filed police reports and done everything they have asked me. XXXX has also never given me a report of my file and has violated that act in the FCRA. Both of them have not let me dispute inaccurate info. XXXX has also not given me a security freeze.

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 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
our MONTHLY STATEMENT dated XX/XX/2021 total amount was {$1500.00}. 

On a statement dated XX/XX/2021, it became {$1900.00}, because they added Escrow ( Taxes and Insurance ) for the amount to {$400.00}. 

We paid our regular monthly payment of {$1500.00} and we did not miss a payment. 

We received a letter, dated XX/XX/2021, from XXXX, sub serviced by LoanCare XXXX LLC, cancelling the insurance coverage that they ordered and the amount charged to our account has been reversed. The impound/escrow account was also cancelled. 

We received the monthly statement dated XX/XX/2021, the errors were not corrected and a late fee was also added. We were never late in our payments. Our bank statements can prove it. 

On XX/XX/2021, we wrote a letter about the errors that were not corrected. We included a copy of our insurance coverage as evidence, which XXXX acknowledge on XX/XX/2021. 

On XX/XX/2021, we received a " payment reminder notice '', we do not know why, because we never missed a payment. 

Another letter arrived on XX/XX/2021, about being delinquent in our payments. 

On XX/XX/2021, we called Loancare and talked to XXXX and later on to XXXX. They said that everything will be corrected. 

On XX/XX/2021, we wrote another letter about the escrow and late fee errors. we filled the guidelines by CFPB, and we have not recieved any response. 

As of today, nothing has been corrected. I need your help

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 2021-05-13 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: CA

Complaint narrative:
I submitted a previous complaint about this case with the number XXXX. I added a copy of the pdf down below. I got an answer as to why my PayPal account was banned just now. I feel like I need to explain further in detail as it still makes absolutely no sense to ban me for that without even a warning in the first place. 


First : Every transaction I had on there was legitimate. Let 's leave that out of the equation. So stop using preventing suspicious activity as an excuse. 
Second : I returned back to XXXX after finishing college at the end of the last year, but I still used PayPal from time to time for purchases and sending/receiving money to/from friends. And also, I will go back to the US in a few months for graduate school. I need this account to pay and receive money and I need the money that's frozen on there right now. Third : I don't understand why I can not use my PayPal to pay stuff while being temporarily outside of the US. Nothing 's changed besides my physical location. Most importantly, I got no warning prior to this ban as well and did not know that you can not even use your account outside the US. 

Please review this ban and give me a reasonable solution. Otherwise, I would dispute this nonsense over and over if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I XXXX XXXX called Coinbase in regards to a problem on XX/XX/2021. I was assigned a specialist. XX/XX/2021 my coins started disappearing. I emailed the company over 200 emails because there is no way to talk to a live operator. No reply. No help. Despite begging to stop those transactions. They are mine. Im being robbed. 

I filed a Police Report, I filed with the fbi, I filed with the ftc. I am not getting any help. How can a US company have no customer service and help their customers after pleading for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/2021 a withdrawal of {$3400.00} was made from my Capital One savings account. I did not make or authorize this withdrawal. I contacted Capital One via phone when I noticed the withdrawal from my account ( approximately XX/XX/2021 ). Case # XXXX was opened, and I was told that the money would be returned to my account. As of XX/XX/2021 my money has not been returned. My attempts to resolve this through Capital One have been unsuccessful. I've spent more time on hold than speaking with an actual person over multiple phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX someone stole and used my debit card to deposit fraudulent checks into my account and withdraw XXXX from the atm over the 2 days. I notified the bank as soon as I received a text from bank my account had been overdrawn which was the very next day. The bank then froze debit card and put fraud block on account. They told me they would investigate and I dont need to do anything else and issued me a new debit card. I ended up calling the bank over 10 times and going into a branch over 5x to resolve this matter. My home branch opened a new account for me as I was a long-standing customer with excellent history and told me that I could use new account while their back office investigated the fraud. The branch forwarded my police report over to XXXX back office twice and opened two new disputes. I get letters In the mail saying its consistent with regular activity despite me immediately notifying them it was fraud and I have never once used my card at the atm they told me the funds were stolen from. The bank has also taken all money that I deposited into the new account that was to be used for my bills although the branch told me the new account was safe. The bank has been doing collection calls as if this is a debt for me but this is fraud that was reported IMMEDIATELY after it began. The fraudulent checks also bounced so much account is negative and I am not liable for this. I have agreed with the bank to help them with criminal prosecution and gave them everything they requested. Please help me! They should not be taking my money and it needs to be returned to me and I also would like my account ( old or new ) back in good standing.

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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am being charged for a loan from a school that doesnt exist, nor did I ever attend. I have contacted the original creditors and the address they have on file was for a school thats not at the address given, I was told that the school was shut down for fraudulent activities by staff members. On my credit report the dates that the loan was taken out are constantly being changed also its saying I made payments last year when I never have made a payment.Also when I initially contacted the original creditors there were dates of XXXX and XXXX and that couldnt be me because I was incarcerated at that time. I have never attended and college or university but yet on my credit report there are numerous loans and this is keeping me from building my credit because now I cant receive any credit.The credit bureaus said there is nothing they can do but how can u verify a debt from a school that doesnt exist. Ive disputed the accounts numerous times over a period of years with no resolution. These accounts are making it hard for me to live a conducive life because everything we do is tied to credit and I can not receive any credit because of these accounts Im about to start a family and its making things even harder I have been disputing these accounts for years with no resolve. My name was also part of an XXXX breach of information. All student loans reflecting on my account are fraudulent ( XXXX XXXX, US DEPT OF EDUCATION ) I have submitted an FTC report to the credit bureaus and original creditors with no resolve from this issue, please help!!!

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 2021-05-13 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: NY

Complaint narrative:
I am being charged for a loan from a school that doesnt exist, nor did I ever attend. I have contacted the original creditors and the address they have on file was for a school thats not at the address given, I was told that the school was shut down for fraudulent activities by staff members. On my credit report the dates that the loan was taken out are constantly being changed also its saying I made payments last year when I never have made a payment.Also when I initially contacted the original creditors there were dates of XXXX and XXXX and that couldnt be me because I was incarcerated at that time. I have never attended and college or university but yet on my credit report there are numerous loans and this is keeping me from building my credit because now I cant receive any credit.The credit bureaus said there is nothing they can do but how can u verify a debt from a school that doesnt exist. Ive disputed the accounts numerous times over a period of years with no resolution. These accounts are making it hard for me to live a conducive life because everything we do is tied to credit and I can not receive any credit because of these accounts Im about to start a family and its making things even harder I have been disputing these accounts for years with no resolve. My name was also part of an Equifax breach of information. All student loans reflecting on my account are fraudulent ( XXXX XXXX, US DEPT OF EDUCATION ) I have submitted an FTC report to the credit bureaus and original creditors with no resolve from this issue, please help!!!

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 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
This collection was placed on my credit report and my daughter by NATIONAL CREDIT SYSTEMS INC without notice. The collection does not belong to me or my daughter. It has harmed my and my daughters credit report. My score has dropped by 50 points on my XXXX credit report and XXXX dropped 22 points and XXXX  dropped by 14 points according to my FICO score. I reached out to this agency many times. I called one supervisor and he never called me back. I left him a voicemail. I called again and spoke to multiple people including a supervisor and she hung up on me ; when I questioned why she kept putting me on hold and answering other calls. She said other people were calling and I suggested she allow them to go to voice mail as happened to me before. She then got angry and eventually hung up on me repeatedly calling my name. I I asked them to do the research and please remove this from my account. I was in the process of attempting to purchase a home and secure housing for my daughter. I contacted the agency multiple times and they told me it was my responsibility to dispute with credit bureau. I think you should pull the tapes of the recorded conversations to demonstrate how rude and unhelpful this agency has been. They later sent a letter saying they investigated and the results remained the same. They also added a Louisiana address that I have never resided at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America XXXX XXXX has been fraudulently charging me multiple times for a rental car transaction that was intentionally and criminally charged to my card in XXXX XXXX. BOA has not only not worked to resolve the problem but has compounded it by erroneously /fraudulently charging me double the original charges. I have called BOA multiple times, with many lost hours and even visited a BOA branch twice, trying to get BOA to at the very least correct their mistakes. To date I am being falsely charged a total of {$1000.00}. Please help me to recover this money. The following are the fraudulent charges. The XXXX statement information shows partial credit by BOA, HOWEVER, the company retracted these credits, not once but twice in the XXXX statement. 
XX/XX/XXXX Statement : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX RN XXXX XXXX {$440.00}. 

XX/XX/XXXX Statement : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00}. 

XX/XX/XXXX XXXX : XX/XX/XXXX FRAUD DISPUTE XXXX XXXX - {$29.00}. 
XX/XX/XXXX FRAUD DISPUTE XXXX XXXX - {$440.00}. 
XX/XX/XXXX FRAUD DISPUTE XXXX XXXX - {$440.00}. 

XX/XX/XXXX XXXX : XX/XX/XXXX FRAUD DISPUTE XXXX XXXX {$440.00}. 
XX/XX/XXXX FRAUD DISPUTE XXXX XXXX {$440.00}. 
XX/XX/XXXX FRAUD DISPUTE XXXX XXXX {$29.00}.

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 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I paid off a Judgement that was against me through Civil Court. On XX/XX/XXXX, I spoke with XXXX XXXX, with XXXX, XXXX, XXXX and XXXX, about getting a Letter of Satisfaction sent to Civil Court Division. XXXX XXXX informed me that the Judgement amount was incorrect and an additional {$4000.00} needs to be added to the amount. 

This case is from XXXX and if the amount was incorrect, it should have been stated in Court. Civil Division records are showing I have a XXXX Balance and that my debt has been paid in full.

Civil Case # XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX. 

This Collection Agency is trying to get extra money from Consumers.

Company response to consumer: Closed with explanation