vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My identity was stolen online. Charges are being made to my PayPal which draws from my bank. They have my drivers license # and necessary info to make charges to my PayPal account that appear to be authorized. Untrue. I can not close the Paypal because they have an existing amount pending as soon as funds are available in my bank account. The transactions were made through PayPal on XXXX the name used on both charges of {$440.00} and {$450.00} XXXX XXXX XXXX. The XXXX was taken out of my bank account on that date. The account was drained and the other charge awaits. because they have the existing charge I can't close the PayPal to stop them. I have notified my bank and they are working on reversing the one charge and then we will close my bank account. But Paypal needs to close my account those charges do not continue. They posed as the security system on my computer so I let them work remotely on desktop computer. they said I was going to get my annual fee returned because of Covid19.  I thought since they knew my fee they were legit. In the amused process they claimed they were having difficulty depositing into my bank, so they took me through PayPal and XXXX XXXX which needed a copy of my Drivers License which I sent email picture of. They posted {$2000.00} to my bank account which I could see and they sent a printed copy of to me via my printer. Themn I was supposed to purchase giftcards for XXXX each on different credit cards and I could use that XXXX to reimburse the credit cards i would us. Only my debit card was used to buy a XXXX XXXX gift card for XXXX. I gave him the number of the card. when I got back home none of {$2200.00} could be seen in my bank account. They had me believing that my computer was under threat from four countries so my security needed to be changed for each of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I noticed inaccurate items on my credit report over a month ago and sent a dispute letter requesting the items be removed from my credit profile. Now it's been over 45 days and these items have not been removed nor have I been notified of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I saw discrepencies in my credit report and asked the credit bureaus to please remove the inaccurate items, nevertheless, it's been over 40 days and the items still havent been removed and I have not received any results from the investigation

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 2020-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Nationstar Mortgage ( dba Mr. Cooper ) has applied bankruptcy post-petition payments as pre-petition payments. Currently, the mortgage provider has not handled this matter in a manner that can be explained by any attorney review. By Mr. Cooper 's owner transaction history ledgers, they are clearly placing post-petition mortgage payment as pre-petition payments. All arrearage payments are made thru Chapter XXXX trustee, Mr. Cooper is aware of this. By reviewing the ledger, it is clear appearance that the mortgage provider has made some accounting errors. 

Mortgage provider supposedly refinanced ( thru " No cash loan '' ) this mortgage in XX/XX/2016 but this is not accurate because I had filed Chapter XXXX bankruptcy in XX/XX/XXXX of that year ( 3-4 months earlier ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from 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 2020-08-14 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: FL

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from 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 2020-08-14 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: FL

Complaint narrative:
I contact cfpb months back when I have this problem with PayPal, and they said they will hold my money for 180 days, just this month that the 180 should be over, I start having various mails from them, about all my information are correct, other will say my account is eligible for withdrawals but yet still I cant access my account, when I call the costumers call center there is nobody to talk because of COVID-19 and when I chat with them, Is like I have a start all over explaining myself at  the end of the day, they will tell me that they will forward my case to the department or I should wait for the system to refresh. 
Only to receive another email again telling me about another 180 days. All I want is to be able to get my money they are holding on to. Please help me this time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I was given stock from Robinhood by son for Fathers Day XX/XX/2020 I opened account and transferred {$100.00} to Robinhood to start. I received XXXX as stock from son, I bought a few more of XXXX  and about 20 shares of XXXX to see how site works. I have not been able to access account since I opened it. I tried numerous times contacting Robinhood support and help emails getting same generic response. I gave Robinhood all my personal information and do not know what Robinhood has done with it. They have not used it to fix account problem. I tried their password reset and it shows account with XXXX balance. 
Robinhood has no telephone support which I find strange. I would just like to close account at this point and have money returned to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KS

Complaint narrative:
My mortgage was sold to SLS Loan Servicing XX/XX/XXXX, along with XXXX in late fees. XX/XX/XXXX I paid {$790.00} regular payment, {$770.00} past late fees and {$270.00} additional principal. XX/XX/XXXX I paid {$790.00} regular payment and {$270.00}. On XX/XX/XXXX I called SLS to find out why my account was still showing a past due amount and I was told the additional payment was applied to the next months statement and not to the past due as I requested. I have tried numerous times to get this rectified without any success. In addition in XX/XX/XXXX I received an escrow shortage notice stating my new payment starting XX/XX/XXXX would be {$790.00} if I didn't pay the shortage. I didn't pay the shortage and started paying the new amount of {$790.00} but now the mortgage statement is showing an uncollected escrow amount of {$24.00} additional. Again, I have tried unsuccessfully to get this resolved with my mortgage company and I am frustrated as to what to do next.

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 2020-08-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I saw discrepencies in my credit report and asked the credit bureaus to please remove the inaccurate items, nevertheless, it's been over 40 days and the items still havent been removed and I have not received any results from the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I saw discrepencies in my credit report and asked the credit bureaus to please remove the inaccurate items, nevertheless, it's been over 40 days and the items still havent been removed and I have not received any results from the investigation

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 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX I was notified by XXXX  and XXXX  that a negative collections remark was added to my account. This was placed there by CCS Companies on behalf of XXXX. 

I do not have a XXXX account and have not lived in a service XXXX area since XX/XX/XXXX. Yet, the report states that I was late as of XX/XX/XXXX. I disputed this with both credit agencies and it was removed, then readded in XX/XX/XXXX. I disputed it again and was denied removal. I do not owe XXXX any money and I have never been contacted saying that I do by either this agency or XXXX. The collections just appeared on my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX shows delinquent payments for XXXX, XXXX, XXXX, XXXX. 

I have spoken to them repeatedly to provide proof I was late. They do not respond. 

I need XXXX XXXX to prove I was delinquent on these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I noticed inaccurate items on my credit report over a month ago and sent a dispute letter requesting the items be removed from my credit profile. Now it's been over 45 days and these items have not been removed nor have I been notified of the investigation

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 2020-08-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I noticed inaccurate items on my credit report over a month ago and sent a dispute letter requesting the items be removed from my credit profile. Now it's been over 45 days and these items have not been removed nor have I been notified of the investigation

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 2020-08-14 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: GA

Complaint narrative:
i wrote a dispute letter XX/XX/2020 about my inaccurate personal info with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Mr. Cooper seems to use punitive practices if bankruptcy/complaints are filed against them. 

I am requesting assistance is a ledger for the mortgage provider detailing all property inspections for the life of the mortgage, at a minimal since XX/XX/2016 XXXX XXXX filing date. 

The mortgage provider has used sending a property inspector to my property on a monthly bases. This type of action should be harassment as XXXX XXXX bankruptcy provides a stay and at any time the attorney/trustee could have been contacted to acknowledge the property was occupied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: GA

Complaint narrative:
on XX/XX/2020 i sent a dispute letter about personal information that is inaccurate on my credit report. I still havent gotten a response but an inquiry was added to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: GA

Complaint narrative:
i sent out a dispute letter XX/XX/2020 and i havent recieved a response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Update to Compliant number XXXX I wanted to include proof I just found doing research of this scam. If you look on XXXX   under XXXX car wrap scam. You will see a link to XXXX that shows numerous of people being scammed the same way. Something needs to happen to stop this. In my attachments you will see several people received the same check made out to them using the SAME CHECK NUMBER that appeared in mine. Below is a copy of my original complaint. 


On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank BBVA COMPASS to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( XXXX XXXX XXXX ) to confirm funds and to give myself peace. On XX/XX/2020 I called XXXX XXXX XXXX ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX company to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank BBVA again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by BBVA Compass. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 BBVA Compass deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a Bank of America personal checking account apparently that I did not remember I had. It was opened in XXXX when I had a business account with the bank and opened in person at the branch. I was told I needed a personal account in order to maintain the business account or some nonsense at the time even though I didn't want the personal account. I elected electronic statements instead of paper, but apparently the person who opened it mistyped my email address. In XXXX I closed the business account, but forgot I had a personal account and it wasn't until XXXX of XXXX that I received a letter saying I had an account still open with the bank. I did not have a login/access so I had to reset login/pass and went in to see that BofA had charged me hundreds of dollars in account maintenance fees without ever sending me a statement notifying me of this. 

I called at spent more than an hour on the phone with the bank and they told me that they would not refund the fees. Apparently they unilaterally changed the account type in XXXX to one that would charge me monthly maintenance fees of {$12.00} per month and never notified me. They didn't send a statement, they didn't send a letter, they didn't email a statement, they didn't even email a notification of a statement. When I confronted the bank with this on the call, they said that they had sent notifications to the wrong email address and were getting bounceback notifications that it was not a real email address, but that they never bothered to call, send a paper statement, paper letter notification or anything. 

I told them it is completely unacceptable to unilaterally change my account type and start charging me fees without ever notifying me and they said it was my fault that I had never been notified because I should have known the bank employee mistyped my email into the setup for an account I never wanted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i sent out a dispute letter XX/XX/2020 and i havent recieved a response

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 2020-08-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i sent out a dispute letter XX/XX/2020 and i havent recieved a response

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