vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: IA

Complaint narrative:
On or about XX/XX/XXXX, a vendor erroneously processed a charge through a third-party payment processor ( Web Authorized Pmt XXXX  ) in the amount of {$30.00}. This caused a surprise temporary negative balance ( which has now been, separately, reversed, resolved ) on my business checking account and triggered, on or about XX/XX/XXXX, an 'Overdraft Paid Fee, ' in the amount of {$36.00}. To the best of my knowledge, I have not authorized the use of any 'overdraft protection services ' on this account, given the option, nor would I. But, it appears, the default account management is for the bank to automatically opt-in customers to their suite of overdraft 'protection ' products in order to 'pay overdrafts ' so they may charge excessive, rent-seeking fees, such as the one assessed to my account. In this particular case, the fee of {$36.00}, amounted to an incurred cost higher than the item itself ( {$30.00} ) the one it was supposedly paying to cover. Such profiteering fees should be disallowed entirely ; but, the bank should have to be more explicit about the scenarios where these fees may be incurred. They should be required to be much more upfront and transparent about when and how to opt out of these so-called overdraft 'protection ' plans completely. I do not want this or any overdraft to be 'paid ' now or in the future and expect the bank to reject any and all debit and/or drafts that would cause an overdraft to avoid these fees, entirely. Any reasonable person would call these fees excessive.

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 2021-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
I obtained a copy of my credit report to find debt that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/2021 : Purchase electronic from XXXX using PayPal pay in 4, payment processor due to its flexibility. I notice PayPal purchase protection. 
XX/XX/2021 : Receive the item with quality or shipping defect after testing out.

XX/XX/2021 : Contact XXXX. Their agents are scripted and not in the power to help me. 
XX/XX/2021 : Contact PayPal via chat. Agent told me how to file dispute. 
XX/XX/2021 : Filed escalated dispute. 
XX/XX/2021 : The merchant replied to return the product to be eligible for a refund but at my own expense. I have no option to rebut from my side, only option to upload shipping info. PayPal is not investigating in the interest of consumer but in favor to merchant. They only give me option to enter or upload shipping info after the return.

So I asked PayPal, " The reason I opened the dispute case was because of product defect whether due to shipping mishap or factory error right out of the bat. Why would I need to return ship to XXXX at my own expense while Its not my fault and covered by PayPal purchase protection? '' PayPal closed my chat with no answer. They are avoiding. 
XX/XX/2021 : PayPal is sending out the email about some changes to legal agreement. Guess what. which includes changes in purchase protection without detailing anything.

but there is no answer or closure for me in dispute.

The industry is taking a toll because the company like PayPal is not doing the job investigating from the side of consumer and letting merchants to rip-off when they shipped the product with no QC. It was like you go to auto shop for an oil change and was charged and told the oil change was done without actually changing the oil. Basically nothing has done and the consumers like us getting charged. In fact, ripped off. 
Moreover, even shipping back to XXXX, at my expense and not at my fault, is another job for consumer and it requires me to fill out custom form and then I am asked to provide XXXX XXXX XXXX ( XXXX ) number which I got no idea what that is. So, how do I ship back? Still, no answer from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I checked credit and found debt I didn't accrue.

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 2021-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
These people want to destroy taxes and banks My child support payments People think I'm the oregon person on 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 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Foris DAX, Inc.
State: AL

Complaint narrative:
I'm using this crypto.com app and it say make a card. I did already for a good while but never have I received a copy

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 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC

Complaint narrative:
My wife and I applied for a refinance of a property. Our credit scores are excellent and our credit reports obtained from the credit bureaus show an " excellent payment history ''. This mortgage is our only debt. Our income exceeds what is necessary to qualify. The loan-to-value ratio is probably somewhere between 38.5 % -45 %. We have never missed payments on anything or ever filed for bankruptcy.

Our application was denied due to " Unable to verify residence ''.

From the start of the process that the lender was informed that we live abroad. All of the documentation which we provided shows our foreign address, bank statements included. We have been away for 2 years so our last two IRS fillings were done with this address. We receive mail from several institutions, the IRS included, in order to keep our affairs in order.

All of our income is US-based ; we have no income abroad. We provided title and record information about the property we currently reside in showing full ownership and no mortgage.

Upon request, we also provided a US address belonging to a friend of ours who receives the odd mail from us. We rarely receive mail since most companies prefer paperless methods, but nonetheless this was made available as well.

We enlisted the help of another friend in the US who would have power-of-attorney. He would sign on our behalf at the closing. The title company sent us the power-of-attorney document to use and we booked with the notary at the local US embassy to sign the documents.

We e-signed the lender 's disclosures and also the rate locking documents. Shortly after the latter, the loan was denied.

In a nutshell, are US citizens/persons who live abroad barred from refinancing their properties in the US? 

We can not find a valid or reasonable reason for this loan to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
Hi My Name is XXXX l tried open a account with binance. All paper work its been ready. They put on pending list more than 2 or 3 months please can you guys guy help thank you My Binance account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: OH

Complaint narrative:
I filed this complaint ( below ) in XX/XX/XXXX and in it was still pending at the end of XX/XX/XXXX. I recently just checked in on it and saw that they finally answered it in XXXX. I am responding in a more timely manner, and my complaint has already been closed. I read the response and it didnt give me any useful information on how to get my money back. 
I was unaware of some of the funds sent to me. I did receive 3 checks, {$17.00}, {$26.00} and l believe one for {$1200.00} and some change.

In my previous complaint, I did not note that I simply did not receive the checks that were endorsed to someone else, or the checks that have not been cashed. Someone intercepted them in transit. While the representative stated that Netspend cant reissue checks, I would have to argue that they have a responsibility to make sure that my money gets to me when you are closing my account without my knowledge. Had I been given the option, I would have just transferred funds to my bank. It is a HORRIBLE thing to have my own money being thrown around without my knowledge or consent. 
Also, in regards to being send an affidavit, I never received it. 
I did receive 6-7 new cards with my name which remain inactive. 


Previous complaint ... 


I have had a couple of net spend accounts for approximately 6 months. I was notified in XX/XX/XXXX that they had been closed due to suspected fraudulent activity. I was told that I would receive closure checks for the money that was in each account. Any open disputes that were found in my favor would be sent in separate mailings. After a couple of weeks I contacted them and advised that I had not received any payouts and I was advised one one call that they were on the way and on another call one check for XXXX had been cashed. I was sent a photocopy of a check but never received the real one. I'm told aside from the cashed check there are 2 others totaling XXXX and XXXX that were sent and are outstanding. Net spend says they can not reissue them.

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
My account with Acima has been paid off since XXXX of 2021, yet the have not updated the reporting since XXXX. It is now XX/XX/XXXX. It is still showing I owe XXXX dollars which I don't and my payoff amount was {$880.00} which was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TX

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 and I don't know if it's a mistake I assume it has to be I have not been able to get help from them for a month I just fell they are not doing their job well and properly my account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: IL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a Paypal 2 % cash back rewards MasterCard from Synchrony Bank. In late XXXX/early XXXX Synchrony stopped giving me my 2 % cash back. 
Typically, I'd log in to my account to transfer the accrued amount and the page would tell me " We are unable to process your redemption at this time. Please try again later. '' ( See Syncrony 004 attached ) The next time I would try, the rewards would be gone altogether, but the yearly total would have increased to include the amount I never received. 
There would be no deposit into my bank account, no cash showing up in my regular Paypal account, nothing. The " cash back rewards '' were just gone.

Synchrony ignored my complaints, except for one letter ( Syncrony 001-attached ) that falsely claimed that the amount had been updated to reflect my correct balance, which it did NOT. 
Other than the running total claiming to show what I'd " earned '' to date, Synchrony has NO place to check on how much I was supposed to have received, when they claim I was " rewarded, '' nor where it went. 
Synchrony has stolen money from me.Synchrony KNOWS they stole the money because I pointed it out each time, only to be ignored. 
I've attached several screen shots showing the amount I owed for one cycle, syncrony 002, the next show that amount as PAID syncrony 003, a screen shot of the failed attempt to redeem, syncrony 004, and finally, the end result of every attempt, syncrony 005, the disappearance of the money. 
These screen shots are from the XX/XX/XXXX billing cycle, from XX/XX/XXXX through XX/XX/XXXX. I have more saved screenshots but they're on a computer that has crashed and I'm trying to recover those files. 
I was able, yesterdayXXXX, to claim {$42.00} in current cash rewards. The only other amount I've received was {$86.00} on XX/XX/XXXX, for a total of {$120.00} received by me. 
Paypal/Synchrony claims I've been paid {$230.00}. 
The difference, {$100.00}, while not Earth shattering, is still MY money, and I'm ready to proceed in Small Claims Court if necessary. 
I originally made this complaint to the NY State Attorney General 's office. and it has been passed along to the Department of Financial Services, and the OCC, yet nothing has been resolved.

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 2021-05-10 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: NC

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation