vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Ok I made some purchases on XXXX and PayPal took money from my bank account and credit card accounts gave me a negative PayPal balance even though I paid for the transactions. Then took money from me again when I attempted to load my PayPal account through my bank account and said it was to cover a negative balance. I opened disputes and sent in hard copies of evidence stating where the payments were taken from PayPal and PayPal would credit my account then take the money back and throw my balance into negative again saying I owe PayPal. This is theft. I paid for my purchases. PayPal owes me a lot of money. I want my money back ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2021 at approximately XXXX  - XXXX I deposited {$550.00} in cash into a Citibank ATM located in the drive through lane of Citibank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I inserted by debit card into the ATM, entered the pin, inserted the cash. The ATM accepted the cash, but it acted as if I did not insert anything in it. It did not give me a receipt for the deposit. I waited in the drive through lane for a while, and later went into the branch to complain that the ATM took my cash. The branch manager said that he couldn't do anything, and that I need to call the XXXX number at the back of my debit card. 

I called the XXXX, and was told that they would investigate and issue a credit for the deposit. I received a letter on XX/XX/2021 advising me that " there was no cash discrepancy for that location on the date in question '' and therefore Citibank will " deduct the provisional credit ... within five business days from the date of this letter. '' As a result, the Citibank ATM stole {$550.00} from me, and the bank is refusing to give me a credit for the cash.

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 2021-09-27 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:
In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this companythis account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Back in XX/XX/2020, I deposited a check into my XXXX XXXX account, then it comes back counterfeit. I check what's up with the company that wrote me the check and they said it cleared, so I deposit it at XXXX XXXX and it comes back counterfeit once again. XXXX XXXX says they won't report anything in my Early Warning services that would prevent my from opening an account with XXXX. So I try to open a checking account at XXXX, and they deny me because of " prior unacceptable experience with a financial institution ''. So I look at my EWS report and see XXXX XXXX reported that my accounts were " closed for cause ''. I deposited this same check at XXXX XXXX and it cleared. I have the paperwork from the XXXX XXXX saying it cleared their account THREE TIMES. The email address linked to my XXXX XXXX account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Im being accused of making transaction on a card I never applied for this was open without my consent I tried telling the bank but got harassing calls constantly telling me to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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:
In XXXX  and XXXX  of XXXX, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX  Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this companythis account as of today. Thank you

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 2021-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
We have two mortgages on our house, both originated when we got our house. Both my husband and I had not great credit at the time, now have mid 600 's for a credit score. The larger mortgage is a 30-year mortgage, with an interest rate of 6.9 %, the other is an interest-only loan with an interest rate of 11.49 % that we didn't realize had a balloon/final payment after 15 years. Both mortgages originated with XXXX, then were transferred to Ocwen, and we now have PHH. We have tried a couple of times to refinance our house but because of the horrible interest rates, we can never get far enough ahead for anyone to consider us. 

We have consistently paid 15 years on the smaller mortgage, paying in {$63000.00} on a loan that was originally {$30000.00}. The most recent payoff total for this loan is {$30000.00}, which means we have fallen behind {$210.00} after making 15 year 's worth of payments. I sent a message twice to PHH asking what our options are if we can't make this balloon payment, and both times I didn't receive an answer.

On the larger loan which was originally {$130000.00}, we have paid in over {$250000.00} and the approximate balance is {$120000.00}. So between the two loans we have paid in over {$300000.00} in just 15 years for an original amount of {$160000.00} between the
two mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I applied for a mortgage with new American funding. 

I was given a quote for the mortgage based on my down payment and purchase price. When the appraisal for the home came in lower than the purchase price new American said it would cost me an additional XXXX in cost. 

I expressed that it did not make sense for me to pay that cost since I did not want to be in this loan for the long term. Verbally I was given cost based off the new Loan to value. 

I agreed that instead of paying almost XXXX in cost for a 2.75 rate that I would take a 3 rate and have no cost. I emailed them that I did not receive updated disclosures. They timing was tight as we were already closing 7 days late from this hold up and the seller was wanting to back out. They never provided updated disclosures and snuck the fee in anyways at closing. 

I emailed for them to correct it or make it right with me. The agent I worked with acknowledge that isnt what we discussed verbally but she isnt the one that prepares the paperwork and since its signed she couldnt do anything. She escalated to her managers. Ive followed up servers times and theres been no resolution or response from management. 

I feel new American prolong my process and backed me into a corner. I had to sign or I wouldnt have a place for my family and I to go.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have an account that I can't locate on my report being reported as late within the last year. I've checked my accounts over and over and none reflect this late payment that is hindering me from purchasing my home. When my lender pulls my report, Transunion is stating the date of my last late payment was XX/XX/XXXX ( no account reflects this ) .XXXX is reporting my last late payment was XX/XX/XXXX ( no account reflects this ) I haven't had any late payments so my payment history should be reported accurately or the account that was supposedly late should reflect that so I can dispute it.

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 2021-09-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have an account that I can't locate on my report being reported as late within the last year. I've checked my accounts over and over and none reflect this late payment that is hindering me from purchasing my home. When my lender pulls my report, XXXX is stating the date of my last late payment was XX/XX/XXXX ( no account reflects this ) .Equifax is reporting my last late payment was XX/XX/XXXX ( no account reflects this ) I haven't had any late payments so my payment history should be reported accurately or the account that was supposedly late should reflect that so I can dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a MasterCard with Barclays Bank they have blocked my access to my account the reason they give me that in XX/XX/2021 the word lawyer somehow got out of my account I never hired a lawyer I never talk to a lawyer I never talk to them about a lawyer this is XXXX they have no letters from a lawyer no contact from a lawyer I explain to them thats crazy if I had hired a lawyer for something they certainly wouldve contacted them at some time from XXXX until 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 2021-09-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I found out my identity has been stolen since XXXX as of XX/XX/XXXX. I also filed a police report on XX/XX/XXXX, regarding this matter of impersonation. There were several inquiries listed on my credit reports that I was unaware of. I contacted the companies the inquiries that were not removed. Attached you will see a copy of my credit reports and highlighted accounts as well as a copy of my police report. I was told that I would have to wait until everything in questioning falls off after contacting the companies directly

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 2021-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
On XX/XX/XXXX I purchased two tickets to an upcoming XXXX XXXX  scheduled in XXXX ME. The concert was subsequently canceled due to COVID-19. I was told I would not receive a refund as the concert would be ultimately rescheduled. 

The concert was rescheduled in XXXX of XXXX. However, the link to my tickets was expired and would not work. I called and emailed the ticket company on numerous occasions and was told that " due to extreme call volumes and work shortages their response would be delayed. '' After several attempts for resolution to no avail I had to cancel my travel plans and accommodations 48 hours prior to the concert as I still had not tickets. That same day I filed a dispute with Capital One. I answered all their questions and provided them with every email and document I had available. 

I recently received a letter from Capital One ( albeit dated back on XX/XX/XXXX ), referring back to my dispute date stating that " At that time we began an investigation into your dispute and requested information from you. While we have received your response to this request, we have a limited amount of time to reverse a merchant 's charge. Unfortunately, that timeframe has expired for this particular charge. '' Apparently implying that because I waited a year to dispute the charge, after being misled that I would get new tickets in time to travel to the newly scheduled concert, I was " out of luck. '' The face of the matter is the merchant got paid and provided me with no product or service and misled me the entire way. As the credit card company feel that is up to them to stop this sort of behavior, The whole reason I use credit cards is for the added security they supposedly bring over cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27 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: The Bureaus, Inc.
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. The Bureaus , Inc. violated 15 USC 1692c ( b ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 U.S. Code 1681 ( a ) ( 4 ), 15 usc 1681a ( 2 ) ( i ), and 15 usc 1681a ( e )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: SC

Complaint narrative:
I found out my identity has been stolen since XXXX as of XX/XX/XXXX. I also filed a police report on XX/XX/XXXX, regarding this matter of impersonation. There were several inquiries listed on my credit reports that I was unaware of. I contacted the companies the inquiries that were not removed. Attached you will see a copy of my credit reports and highlighted accounts as well as a copy of my police report. I was told that I would have to wait until everything in questioning falls off after contacting the companies directly

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 2021-09-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I found out my identity has been stolen since XXXX as of XX/XX/XXXX. I also filed a police report on XX/XX/XXXX, regarding this matter of impersonation. There were several inquiries listed on my credit reports that I was unaware of. I contacted the companies the inquiries that were not removed. Attached you will see a copy of my credit reports and highlighted accounts as well as a copy of my police report. I was told that I would have to wait until everything in questioning falls off after contacting the companies directly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments.

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Payment Corporation
State: GA

Complaint narrative:
This Company " Universal Payment XXXX  XXXX  of XXXX  '' has entered a debt information on my credit file in the amount of {$11000.00} as a payment it claimed to have made to " XXXX  XXXX  XXXX  of XXXX  '' to finance a product development deal that I have with XXXX  XXXX. 

The problem is, XXXX XXXX XXXX was never paid any such money and had long halted the service for not receiving payments. 

So this Company neither paid XXXX XXXX any money nor gave me any money directly as financing for any deal. 

Therefore the debt claim by this organization is spurious and fraudulent simply because I could not owe this company for money it neither gave me nor paid to any entity on my behalf.

Company response to consumer: Untimely response