vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 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: PA

Complaint narrative:
After using my paypal account for over 10 years, recently with no notice, my account has been locked and prevents me from having a check issued from my over {$1100.00} balance. Paypals claim is that I need to provide them with my bank account number or verify my credit card. I have verified it with their customer support instructions but they claim it is still unverified. My account is the same for the last 10 years, same credit card, same email, same home address. I have even had 2 checks issued to me for {$2000.00} in the past 2 months. Now all of a sudden they claim I am not verified and they want more bank and credit card information from me to be at risk on their site. 
On XX/XX/2009  my paypal was hacked into by a foreign entity and stole {$590.00} from my account and credit card. I had to get the federal government and my credit card company involved to have them repay the stolen funds. They still have no idea who or how their system was hacked. Even then they wanted me to provide my bank account number. I refused stating my personal and banking info would be at risk. 
Now again they want me to provide my personal bank account info and put my banking and identity at risk. There is no reason for this, they already have my info and have my credit card on file. Instead of paypal putting their honest customers identity and bank info at risk, they should be increasing their own security to protect their customers. 
They picked this time of national crisis to hold customer funds XXXX when it is needed most! 
I want access to my paypal funds with my credit card on file, without putting more banking and personal info at risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
i applied for a small business loan with bank of america. No sooner when i submitted my application they send me an alert saying my business account had fraud on it so they shut it down. come to find out many consumers have reported the same thing. this is illegal and has costed me time to move all my payables so i dont get fees added to an already stressful and horrible situation that BANK OF AMERICA CAUSED!

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 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
receivables management Partners LLC has called me on several occasions from XXXX all the way through XXXX. Back in XXXX I entertained the phone call and they asked for a man 's name that I've never heard before. I told her my name as well as my husband and daughters. We have recently just moved from XXXX  down to XXXX  and I got this new number mid-XXXX. The calls started XX/XX/XXXX. I also received a call on the XXXX, XXXX, and XXXX. I continue to receive calls XX/XX/XXXX two times that day, XXXX, XXXX, XXXX and then in XXXX I got calls on the XXXX and XXXX. XXXX I have calls from the first, second, XXXX and XXXX. So not only did I clear up that I am the wrong person they are looking for back in XXXX, but I also answered the call in XXXX to let them know I had already informed them of the mistake. I was assured on the second occasion now that I would not receive calls anymore. Today XX/XX/XXXX I received a call just after XXXX this morning and this time I was very frustrated about the calls continuing and I was getting ready to file a complaint. The lady was very rude almost taunting me. She told me that she put a note on my phone number that it is the wrong person but if another collections comes in for a different reason for the same number even if it's for the wrong person, they would still call me. I pretty much argue that that should not be allowed and they should know their system that XXXX XXXX owns this phone and if any other name comes through do not call it. She continued to argue with me and even started yelling so I just pretty much told her I was filing a complaint and hung up. So here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Services, Inc.
State: TX

Complaint narrative:
After reviewing the credit report noticed Collections Management continues to report an unfamiliar debt to my credit report. Multiple attempts made to discuss and request verification. With the negative reporting, credit continues to be compromised and lost of creditworthiness.

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 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
In XXXX of XXXX  I made a balance transfer from Barclays XXXX XXXX Credit Card to my husband 's XXXX Credit Card in the amount of {$8000.00}. This transfer was processed and paid by XXXX Credit Card and it was cashed and cleared by Barclay 's on XX/XX/2019. 
I checked my Barclays account in XX/XX/2019 only to find that the {$8000.00} had never been credited. I called both Barclays and XXXX Credit Card. XXXX told me that the check had been cashed. Barclays told me to wait 10 more days and call back. 
Since that time I have been on the phone and in Live chats with Barclays for hours upon hours as the months have passed. They have continued to request information from me and XXXX Credit Card, all of which has been provided on 4 separate occasions to the fax and the address that they supplied ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ). When I call to see if they have received the information they tell me they aren't able to give me any information because a different department deals with the investigation. They then tell me I have to wait 30-45 days. After 30 days is up they close the 'investigation ' and state that they never received the information. I am then forced to open a new investigation. 
Now when I call they tell me that things are slow and they are understaffed because of COVID-19. I have spent 2 and a half hours on hold on two separate occasions. 
At this point I have spent six months trying to get the {$8000.00} off of my account. They received my money, deposited the money on XX/XX/2019, yet they have no idea where the money was placed. I have repeatedly asked them to freeze my account until they figure out where they misplaced my money. Currently they are sending me emails telling me that my payment is overdue. They have charged me interest and late fees on the {$8000.00}. 
At this point my frustration level is very high, as I have spent countless hours on the phone with them, only to get the same answer. XXXX Credit Card has continued to send the information they have asked for, and I have begun to fax the information they have asked for as well. XXXX has faxed and mailed the information now 4 times- they have record of faxing it- and I have now faxed it over to them twice- I also have record of faxing it to 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 monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX was contracted by Jefferson Capital to collect on a debt originally owned by XXXX XXXX XXXX. XXXX & I came to a settlement amount of {$2600.00}. This was in XX/XX/2020. On XX/XX/XXXX I obtained a Cashiers check in that amount. It was then mailed to XXXX and delivered on XX/XX/XXXX and deposited on XX/XX/XXXX. It officially cleared the account on XX/XX/XXXX. The first week of XXXX, a call was made to XXXX to get an update as I had not received a receipt nor anything stating this was now settled. They claimed the check bounced and that they shredded the check. How did they shred the check? Even if a cashier check could bounce, how did they get the check back from the bank to allegedly shred it? Cashier checks are prepaid instruments, and unlike a personal check, they do not bounce. XXXX then claimed that they shredded the check. I was baffled by this because if this was sincerely true, they would have called or sent a letter. They had no hesitation in calling or sending a letter when attempting to previously collect a debt. They then told me that since the money never left my account, I should go ahead and just pay with my debit card. After arguing with them for some time and telling them that cashiers checks do NOT bounce, they said they'd investigate and give me a call back. When they called back, they told me they were still investigating. In the mean time I called my bank ( XXXX XXXX ) who told me an attempt had been made on the cashiers check as an ACH debit which resulted in it being declined. My bank then told me the check cleared the account on XX/XX/XXXX and provided me with a written letter and proof. Yet XXXX denies this despite the check being clearly stamped " XXXX for deposit only '' ( which XXXX provided me with a company ). To this date, I have not heard from XXXX or Jefferson.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FREEDOM FINANCIAL NETWORK
State: VA

Complaint narrative:
I engaged with Freedom Debt Relief in XX/XX/XXXX, which was the due date of my first monthly deposit of {$220.00}. It is now XXXX XXXX, 18 months later. 
I was told that this amount was sufficient to begin negotiation with the five credit card companies that I turned over. No worries about legal notices as they would have their legal representatives, which I was paying per month and did not realize, handle any suits. 
My impression was that they would contact each creditor, explain that I was making an effort to pay the debt by submitting {$220.00}. per month and they would make arrangements with these companies. 
In the 18 months I only received XXXX call regarding a settlement offer, which was to XXXX  XXXX XXXX. I agreed to the settlement not realizing that they would be paying them more per month than what I was submitting. My second big mistake. 
In XX/XX/XXXX, I received the first of two XXXX. I called to find out if they were in negotiations with either of these companies. " Of course. We will represent you in XXXX. '' Well, I called the companies and neither of them had ever spoken with Freedom. The largest of the two had just received information from Freedom the day before I called, XX/XX/XXXX. I called Freedom back and the response " They all say that. '' On XX/XX/XXXX the legal representatives for Freedom contacted me to let me know if I still wanted them to represent me in court I would need to pay XXXX XXXX+ more to Freedom. I have been living on {$100.00} per month for the last 18 months so have no idea where that extra monthly would come from. They had no alternative but to stop representation. 
My total debt in XX/XX/XXXX was {$14000.00}. The total submitted in 18 months- {$6500.00}. The settlement with XXXX  XXXX XXXX was {$3000.00}. Where did the difference of {$3500.00} go? 
Today I contacted both law offices handling the two suits to discuss my options. One with a total of XXXX+ agreed to settle the account for {$3000.00}. The other with a total of $ XXXX+ agree to settle for {$3800.00}. Just what has Freedom been doing for 18 months? 
I have until XX/XX/XXXX to settle these accounts. 
Freedom has not done their due diligence nor have they ever been helpful. Going into this I had excellent credit and only went this route to try and stay out of court. Now my credit is in the dumps and I'm looking at having 5 accounts in court, the possibility of loosing my house and automobile if I can not find assistance from family. The legal representatives even suggested bankruptcy, which isn't possible as the court would require me to sell my house. 
I am going to try to make these settlements on my own but am holding Freedom accountable to me for the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Car was paid off. Late fee of XXXX was paid. I recieved title and it still reports as charged off

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 2020-04-23 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 REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME NOR DO THEY RELATE TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN MY PERSONAL INFORMATION AND CREATE THESE ACCOUNTS IN SUCH A FRAUDULENT MANNER. PER REQUEST I AM REQUESTING THE ACCOUNTS RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON POSSIBLE.

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 2020-04-23 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 REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME NOR DO THEY RELATE TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN MY PERSONAL INFORMATION AND CREATE THESE ACCOUNTS IN SUCH A FRAUDULENT MANNER. PER REQUEST I AM REQUESTING THE ACCOUNTS RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON POSSIBLE.

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 2020-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has mismanaged this PPP process and is only funding to those who they can benefit monetarily from. I have been a customer for 5 years, run a small business that moves millions through their systems annually, have an excellent credit score and applied within the first 3 minutes of the link going " live ''. I continue to get the same email daily ( see below ), stating that I am still in " process '' which is false. This institution is crooked and should be criminally held accountable for their misdoings to their customers. I want answers please. 



Wells Fargo Online Wed XX/XX/2020 XXXX XXXX  XXXX XXXX Wells Fargo wellsfargo.com Update on the Paycheck Protection Program We are doing everything we can to help our small business customers navigate this difficult and uncertain time. In that spirit, we want to keep you updated about your application for funding through the Paycheck Protection Program ( PPP ).

Wells Fargo continues to process PPP applications. Over the past week we have mobilized hundreds of Wells Fargo employees and launched new automation and technology to enable us to process more applications at a faster rate. 

You may have heard that the U.S. Small Business Administration ( SBA ) has run out of money to fund PPP loans, and we realize this may be causing you frustration and concern. Given the magnitude of the crisis the country is facing, we are hopeful that Congress will approve additional funds for the PPP. In anticipation of additional approved funds, Wells Fargo continues to prepare customers ' PPP loan applications to be ready for submission to the SBA if and when this occurs. Of course, our ability to fund additional amounts depends on Congress continuing the program and providing additional funds for PPP loans. What this means for you We continue to prepare your PPP loan
application for submission to the SBA based on the information you provided. 

What happens next We will continue to keep you updated on the status of your application by email. 

If you haven't done so already, please complete and return to us any documentation we've already requested from you. This will ensure your application is ready to submit to the SBA, as quickly as possible, if they start accepting applications again.

Since all applications are being handled online, our phone and branch bankers unfortunately will not be able to provide updates on the status of your application. 

These are truly unprecedented times that we know are impacting both you and your business, and we will continue to partner with you throughout this crisis. 
wellsfargo.com | Security Center Please do not reply to this automated email. 
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 2020-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Due to the XXXX XXXX pandemic we called Capital one Auto to see what are options were. We had asked for deferral of payments like other auto loan agency are doing but was told we had to pay XXXX today XXXX and starting XX/XX/XXXX pay XXXX for 3 months. This was after they were told my husband and I were both furloughed due to XXXX  and I'm the only one getting XXXX. They said theres nothing they can do. I also explained that XXXX XXXX has been extremely helpful during this time and has deferred our loan for 120 days. My husband and I bought our vehicles the same day and year a little over a year ago and XXXX  was willing but Capital one response is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX our mortgage was transferred from XXXX XXXX to NewRez/Shellpoint Mortgage Servicing. Our condo is part of a new condo conversion. There are 3 units. Our mortgage is for unit 2 and we own 34.4 % of the building. The town of XXXX has not re-accessed the property as 3 units yet, therefore they issue one tax bill for the building. The town of  XXXX issued formal instructions advising mortgage companies on how to pay taxes until the town is able to reassess ( percentage ownership x total tax bill ), see attached document. 

NewRez/Shellpoint Mortgage Servicing refuses to pay our taxes because there is only 1 tax bill. However, they continue to take money for taxes and keep it in our escrow account. As of today they are have not paid the last quarters taxes which were due on XXXX XXXX XXXX. The next tax bill is due XX/XX/XXXX. We are at risk of being 2 quarters behind on tax payments because NewRez/Shellpoint Mortgage Servicing will not pay the taxes or release our escrow money to us. 

Further, NewRez/Shellpoint is unorganized and does not have proper systems in place. For example, each quarter we have to call and remind them that taxes are due. And they tell us that they don't have a record of taxes being due. Despite reminding them, they refuse to pay because of the issue mentioned above.

We have spent over 40 hours on the phone with NewRez/Shellpoint Mortgage Servicing trying to solve the issue. Every time we speak, they relay inaccurate information to us and are unable to resolve the issue. They have lied to us about efforts they have taken and quite frankly are incompetent to solve this problem. We then reached out to our investor XXXX XXXX  who has been investigating this for a month, however we are still unable to getNewRez/Shellpoint Mortgage Servicing to pay the taxes. We have exhausted our efforts to resolve this and require outside help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: MD

Complaint narrative:
I have had a block on my NetSpend card since XX/XX/XXXX. I have been continuously trying to reach NetSpend. I would be on hold to speak to someone and when I finally get to talk to someone ( after being on hold for over an hour ) they hang up on me!!! I was told this past Tuesday when I spoke to someone that the block would be lifted ... .but it has not. I'm still trying to speak to someone at NetSpend customer service to this very day ... no success at all!!!! Furthermore this is not the first time I have been unfairly treated by NetSpend they allowed someone to transfer funds from my card to another NetSpend customers card in the amount of XXXX 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 2020-04-23 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: TX

Complaint narrative:
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 

REMOVE THE FTC VIOLATIONS

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