vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
To whom it may concern, my name is XXXX XXXX and I am writing today about my PayPal account " XXXX ''. PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. Any disputes or returns were settled and all my customers were happy with their product. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX  enriching themselves. PayPal transferred my whole balance and took my hard earned money of {$3300.00} on XX/XX/2021. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by PayPal. I have tried to resolve this issue friendly with them many times, but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
I reached out to XXXX XXXX in XX/XX/2021 to inquire about a homeowner 's policy with an effective date of XX/XX/2021. I never went through with signing the policy because the sales person failed to inform me that I would have to pay a broker fee. I learned about the fee when they emailed the policy for me to sign. I never signed the policy documents and the policy was subsequently cancelled, effective XX/XX/2021. On XX/XX/2021, I sent a signed letter via US postal mail to Village Capital & Investments ( mortgage company ) informing them not to send any escrow payments to XXXX XXXX XXXX. On XX/XX/2021, Village Capital sent XXXX XXXX XXXX XXXX a check in the approximate amount of {$3200.00}. Also on XX/XX/2021, Village Capital sent XXXX a check in the amount of {$3600.00}. My escrow account is now negative over {$4000.00} and no one at Village Capital can tell me why they sent a check to XXXXXXXX XXXX  when I clearly informed them not to do so. I have called XXXX XXXX and they indicate that they have not received the check from Village Capital. This is a problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Disputed information submitted has not been updated, credit card account is still showing incorrect information, someone is falsely stating incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Notice of Dispute. 
Please see attached.

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 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a {$10000.00} Cashiers Check, in person, into my savings account at bank of America. The deposit receipt printed at the time stated that the funds would be available on the next business day. 

On the next business day, a notation in my account XXXX on my phone app ) said that NO funds would be available until XX/XX/XXXX. 
If I had known this at the time of deposit, I could have made other arrangements, eg, made a cash deposit. 

After calling the bank on XX/XX/XXXX or XX/XX/XXXX, on XX/XX/XXXX I went in person to resolve the problem. The representative at the bank said she had no authority to release any of the funds and had no reason for the hold. She called an internal number at bank of America, was put on hold while I waited, and then was told that the bank was no longer accepting calls on that line. The representative told me to return on Monday XX/XX/XXXX. 

Over that weekend, due to my inability to access my bank of America deposit, four items were bounced on another bank of America account. On Monday XX/XX/XXXX, I insisted in person that B of A resolve the issue and let me know why the unreasonably long hold was applied on my Cashiers Check deposit. 

The representative again called an internal number and was eventually able to get through to someone who refused to give any reason for the long hold, but who released the funds to me after my insistence. 

This caused me distress and wasted hours of my time. The hold appears to be in violation of FDIC regulations, as this account is seasoned. Per my reading of the regulations, {$5000.00} of the {$10000.00} deposit should have been available after the check cleared that evening. 

If Bank of America has violated the regulations regarding this deposit, what are the consequences it faces? Can I get compensated for my distress and hours of my time spent to resolve this?

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 2021-08-16 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: MD

Complaint narrative:
I am writing this complaint about Trans Union and XXXX  Credit Bureaus. I submitted a dispute letter to them containing blatant inaccuracies dated XX/XX/2021 and they are not complying with their own policies nor are they complying with the FCRA in a timely manner.

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 2021-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
Company Apex Asset Management continuously sends mail to my address stating that I went to the hospital on XX/XX/20. I did not go to the hospital on that day. I did not receive anything from a hospital or place stating I went there. It must be identity theft and fraudulent activity against my name. I have health insurance and I would have used my insurance if I was there on that day. This information was sold to this debt collection agency in hopes I pay them for something that is not mine. I tried speaking to representatives but they keep telling me its my account and States that it was me who was there. I was not there on that day. I would like them to stop harassing me through mail, and not proceed any further without valid information. The hospital sold them my personal information and account which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: N26 Inc.
State: GA

Complaint narrative:
XXXX in my account Ive bank with this company for three years last year they froze my card they only offer chat support they have been giving me misleading info in regards to my account Ive lost my daughter and my home I need my money its been over a year and I still havent received my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple reuses to resolve my complaint about a fraudulent transaction with an apartment complex, I have provided them proof and ask for this to be resolved several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 my credit card was charged for a total of about {$4200.00} for a hotel in XXXX and i was in the USA at the time of the transaction. at first they did reverse it while they did research but then it was back on my account. i disputed it multiple times and even did 2 appeals and they arent resolving it. they just keep sending me in circles saying theyll escalate it and that they will contact me before making a decision with further questions. I keep getting letters saying we tried to reach you so we closed your case and determined the charges are correct and you are responsible for paying it. I never got communications. i even verified all emails, addresses, and phone numbers. They said they have no record of anyone reaching out. I want this charge taken off because i shouldnt be charged or penalized for fraud that wasnt even me.

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 2021-08-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
For a considerable time ( several years? ) Transunion had been reporting my credit score as well below the others ; some 23 points below XXXX, when they both use VantageScore 3.0 to calculate the scores. 

For a point spread to be that large, there has to be something significantly different in these two credit reports, which there is NOT! I called Transunion for an explanation, but all they could tell me was that " Maybe '' it's this, or " Perhaps '' it's that, with no real accountability for the lower score Obviously, this effects my credit and my ability to secure credit at a reasonable rate. Since the Credit Bureaus have so much power in controlling our finances ( and the cost of it ), they should be held to a higher standard of accountability ; NOT the mush-mouthed " maybe this or that '' response that I got! I want HARD ANSWERS to this question!!! If they're going to cost me more to obtain credit, based on thier credit score,, then they'd better have a XXXX good reason why!

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 2021-08-16 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: Velocity Portfolio Group
State: OK

Complaint narrative:
Now in the FCRA623 ( a ) prohibits a company from furnishing inaccurate information to a CRA. CKS XXXX is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my XXXX  credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX  credit report without written notice, which is a FCRA violation. On my credit report, the account number changed from XXXX and XXXX, and XXXX now to account number XXXX in a matter of a couple of weeks. I didnt get a written notifications that this was changed or anything. They have also changed the portfolio status from one company, XXXX  XXXX XXXX XXXX  to now XXXX XXXX XXXX XXXX. Also see highlighted that the address had changed. Please attach the proof of inaccuracy when it comes to this account on my credit report. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on XXXX is showing its late 120 days with a balance in collection. The reporting again is inaccurate. 
XXXX  and XXXX was unable to properly verify that the reporting information on this account is correct. I know all three major bureaus falls under the FCRA guidelines. Please tell me how XXXX is different?

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 2021-08-16 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: NJ

Complaint narrative:
Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership XXXX XXXX XXXX XXXX XXXX along with XXXX 's support team could not fix. With help from XXXX XXXX XXXX XXXX through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with XXXX XXXX XXXX XXXX XXXX which owns XXXX XXXX, and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made XXXX XXXX payment, but XXXX XXXX requested a check from XXXX financial because the account was placed in a protective status and I was not required to make XXXX XXXXs payment. The car was returned on XX/XX/XXXX. Due to the car being defected, all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the XXXX retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: FL

Complaint narrative:
I wrote Equifax on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB Letter on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I also sent a letter formerly complaining about not being taken serious, and was responded with a stall letter saying I am not myself to try to give them more time to respond. they are in violation to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of now, and my disputes are being ignored. Section 611 ( a ). it is clearly stated that failure to investigate these items within 30 days gives a reason to have those items immediately removed from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the tension you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
On XXXX, 2021 I obtained an automobile loan through Ally Bank for $ XXXXOn XXXX, 2021 the car was in a car accident and was totaled by XXXX insurance company XXXX XX/XX/2021 Ally reported to the credit bureau XXXX automobile loan in the amount of {$29000.00}. After they received a payment of {$19000.00} from XXXX. I contacted Ally and informed them their reporting information should be corrected I also filed a dispute on both occasions I was informed that the information was correct. In XX/XX/2021 GAP Insurance paid an additional {$4000.00} on this account. However as of today XXXX XXXXmy credit report shows that I still owe Ally {$29000.00}. Ally has refused to update my credit report with the correct information

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 2021-08-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
Am presently involved in a re-finance process with AmeriSave mortgage. While my complaint is not with AmeriSave solely, I feel this is an industrywide problem. 

The problem I have is a question of fairness in the income verification rules/processes. 

In my case, I presented to the lender that I was employed by a California C Corporation and received a W2. I also happen to own greater than 50 % of this corporation. As such, the lender insisted on categorizing me as " self-employed. '' The result of which was the lender 's request for several documents for the corporation ; i.e. corporate tax returns, profit and loss statements, bank statements, etc. 

I pushed back on their requests stating that I did not have the unilateral authority to disclose such documents as the employer is a corporation and not a party to the re-finance process of an employee. 

Following many heated phone calls with the lender and a consultation with an attorney it seems the lender can ask for whatever they want of me because I happen to be a majority owner of the corporation. As the consumer, I can provide the information or not, but run the risk of being denied the loan as a consequence. 

Herein lies the problem of fairness - given the same or similar circumstances, if I owned only 49 % of the company, I would not have been subject to this additional scrutiny. And yet, in either case - minority or majority ownership - the risk of a loss of income due to some failure of the corporation is the same regardless. So then, to allow additional scrutiny based merely on percentage of ownership seems patently unfair and should not be allowed. 
While I realize that this practice, so far as I can tell is legal, it may have been an oversight when the laws were put into effect or this issue of fairness never before considered. My use of this form has been the only avenue I have found so far to address what might warrant a change in the law.

Kind regards, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KLS Financial Services, Inc
State: GA

Complaint narrative:
KLS financial has a {$640.00} negative charge reporting on my credit report for XXXX XXXX. XXXX XXXX filed for bankruptcy and went out of business in 2017. XXXX XXXX no longer exist. The name XXXX was purchased by XXXX XXXX. I called the corporate office and I was told that I debits were settled in the bankruptcy and KLS Financial has no legal grounds for that company anymore because they no longer exist. XXXX XXXX sent me an email stating that I would receive a refund back for the order that I returned. I received the wrong items and returned them. XXXX also gave me a gift card because they made a mistake. I filed a dispute with Visa and won. KLS is holding me responsible for a charge back that I won with Visa. This is a breach of contract. Customer have the right to dispute charges and cant be recharged by a company after winning a dispute. This is illegal to recharge me for something that I didnt Authorize.

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