vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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: NH

Complaint narrative:
I received a payment from a friend into my Venmo account and I started using the funds by means of my Venmo debit card. Then towards the end of the evening my Venmo debit card kept getting declined so I called into Venmo customer service and was told that my account was frozen. I was also told that it could not be fixed until 5 to 7 days later because it Hass to go to a specialized department. I finally heard back from that specialized department who told me that the reason my account was frozen and that I could not access my funds is because there was another account that had been opened in my name that had a balance due. I informed them that I did not have another Venmo account and that if there is one open and it was open without my knowledge and fraudulently. They are refusing to listen to me and theyre telling me that I can not take my money out of my Venmo account or spend my money until I agree to allow them to take the money towards this other balance that is owed that I had no part of. At this point, all I want to do is to cut ties with Venmo altogether and take my money out of the account so I can move forward. I dont think its going to be that simple. How is it even possible that they allowed a second account to be open to begin with? I never authorized a second account. The fact that they allowed someone to open an account in my name and that person has a past due balance has nothing to do with my Venmo account. They have no right to hold my money and tell me that I need to comply with their demands in order to withdraw my money. I feel that I am being extorted by Venmo. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
someone used my debit card and subscribed to Google and buy things and I have reported serveral times that I needed a refund as my card was compromised and they have not said anything yet. This is fraud Here is my claim number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 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: EQUIFAX, INC.
State: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As a Consumer thats protected by FDCPA this request is to removed the following inquiries/accounts on my Consumer Report for I have not given my consent to furnish this on my Consumer Report per 15 USC 1681 ( B ). And I am also exercising my right to privacy under 15 USC 1681 ( A ) ( 4 ). Reporting this information on my Consumer Report is also a Violation of 15 USC 6802 ( B ) 1 ( A ), ( B ), ( C ) I was never given the opportunity from your agency to have my personal information block from being expose. Below you will find a list of inquiries/accounts I would like deleted from my Consumer Report ; Collection Accounts : XXXX XXXX Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1800.00} Reporting on ; TRANSUnion/XXXX XXXX XXXX  Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$730.00} Reporting on ; XXXX XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$84.00} Reporting on ; XXXXXXXX XXXX XXXX  Account Number : XXXX Collection Opened XXXX XX/XX/XXXX Balance : {$680.00} Reporting on ; XXXX INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX TransUnion Inquiry Name : XXXX Inquiry Date : XX/XX/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 2022-09-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
As a Consumer thats protected by FDCPA this request is to removed the following inquiries/accounts on my Consumer Report for I have not given my consent to furnish this on my Consumer Report per 15 USC 1681 ( B ). And I am also exercising my right to privacy under 15 USC 1681 ( A ) ( 4 ). Reporting this information on my Consumer Report is also a Violation of 15 USC 6802 ( B ) 1 ( A ), ( B ), ( C ) I was never given the opportunity from your agency to have my personal information block from being expose. Below you will find a list of inquiries/accounts I would like deleted from my Consumer Report ; Collection Accounts : XXXX XXXX  Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1800.00} Reporting on ; XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$730.00} Reporting on ; XXXX XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$84.00} Reporting on XXXX XXXX/EQUIFAX XXXX XXXX  Account Number : XXXX Collection Opened XXXX XX/XX/XXXX Balance : {$680.00} Reporting on ; XXXX/EQUIFAX INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX EQUIFAX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
PennyMac is my mortgage loan servicer. I have an FHA loan. I have a letter of approval for purchasing a future primary residence. I had placed my home on the market while visiting/researching moving to XXXX. I made a final decision to remain in my home. At which point I asked to apply for a FHA Cash-Out refinance instead, in order to make home improvements and bill consolidation ( Air Conditioner XXXX Storm Impact Windows, and to Pay off Federal Tax Lien etc. ). 

What I experienced was harrowing, in that I was being subjected to what I perceive as a service failure. I was denied/refused the ability to apply for an FHA refinancing loan. I would contact XXXX ( XXXX ) to get clarity on my concern. I received an e-mailed advisement confirming the lender policy was not in accordance with their guidelines. I then forwarded the email back to my lenders loan servicing agent. At that time only, did I receive an advisement, that what they were doing was legally condoned as a fair lending practice by my government. They had applied something I had never heard of in my senior years. They had applied a lending overlay which enabled them to apply their own lending/servicing preferences ( a FHA loan can not be applied for if your home has been on the market within the last 6 months ... initial verbal advisement later changed to 120days ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Valor Intelligent Processing, LLC
State: OH

Complaint narrative:
I have been getting multiple calls from this company for a few months now and am requesting a cease and desist. I do not have accounts with nor owe anything to them for which they are seeking payment. I am asking for the contact to stop immediately. I have mailed and emailed them a cease and desist and they keep calling and harassing my ex-wife calling her as well as they assured me that they would not call her and remove her number and they are still calling her. Under the provision of Public law 95-109 and 99-361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt or any other debts that you allege I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
About 7 years ago we got locked into a time share with XXXX XXXX XXXXXXXX XXXX and we sought out help to get us out the transaction. Finally XX/XX/XXXX XXXX XXXX states they will sell the timeshare and close the account. Til this day its still reporting on my credit as delinquent and numerous amount of late payments.

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 2022-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: IL

Complaint narrative:
debt was paid and yet this collector still reports the debt on all three reporting agencies. please delete info as it has been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: GA

Complaint narrative:
I paid off my school loans XXXX of balance {$9700.00}. 

I called requesting a refund with the new laws on XX/XX/2022. Since the I have called on XX/XX/2022 and XX/XX/2022 asking for a note confirming my request and getting an update on when Ill get my refund to be able to qualify for the federal student loan forgiveness. 

This is unacceptable to hold my funds for this long as a refund unless they are going to pay interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
When I started school at XXXX  XXXX University, I filled out my FASFA and was given the federal student loan. My total is {$23000.00}. Fast forward to now with student loans being deferred for all students I receive a bill from Nelnet stating that my payment is due. When I called this morning they told me that yes its a student loan but because of the type of loan I am not eligible for the relief for payment that everyone else is given. I asked what the difference was and was told that its a loan that is owned by a different part of Nelnet so I have to pay my loan. I was not aware that there was a difference in this loan and I dont feel like it fair that I was not told of the difference and would not be allowed to get the deferment that the world is getting for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management , LLC has been harassing me with a fraudulent debt collection since XXXX of XXXX. And since that time up until now they have not complied with my request for verification bearing my signature. They have threatened me with court and I have also notices that on the letter head of every document that they have since mailed to me, the date is always inaccurate in order to make it seem as though they have responded earlier than the required time of 30 days to respond. I have already contacted the federal trade commission. 

CFPB, I implore that you help me with this fraudulent company and their erroneous claims, for they are in violation of the Fair Debt Collection Practices Act. 

On XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. 

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank
State: GA

Complaint narrative:
Synovus Bank Mortgage I have a 30 yr fixed mortgage. I have an escrow that pays only for property tax. My issue is the escrow account transparency and audit request. Last year my mortgage payment was {$2100.00}. Beginning of the year it is {$3600.00}. Past month was {$3200.00}. Now this upcoming is {$3700.00}. My principal is {$650.00}. Interest is {$1200.00} and my property tax this year ( $ XXXX = $ XXXX ). So my monthly payment should be {$2300.00}. But its not. My property tax year 2021 was {$7000.00}. My escrow account to date paid is {$15000.00}. They even request a {$1500.00} underage payment to my escrow that I paid. I have communicated to the lead for Synovus mortgage over past two weeks and no resolution. I have tried emailing the CEO XXXX XXXX today for response. Please help me resolve the escrow mess. Thank you. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have XXXX reward points to use for my Bank of America card. They are changing the terms of the card to cash back only. I have repeatedly tried to call this company to ask how I use the points ( money ) I have already earned and have been on hold for Long periods of time and no way to speak with a live person. Can not find a way to answer this question from their website. I need help getting the point rewards I already earned before they changed the terms. 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 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I tried to close my PayPal Credit account. On their website, there was a message that said to call XXXX to do so. When I called ( about an American account ), an XXXX woman was the rep and asked me for my full name and SSN. I gave it to her. She then told me I was nowhere to be found. That is impossible. Even with my full name and SSN she could not find me. We ended the call. I then searched on XXXX and found that this has happened to many others. I believe it's an XXXX scam to get our name and SSN and fraud us. Please help. Please find out who's behind that phone number and shut them down. I am worried that something will happen with my SSN now.

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 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had an account with bank of America and my debit card was stolen. I reported the card stolen in the summer of 2020 and someone tried to enter a fraudulent check into my account. Bank of America immediately closed my account without investigating an put my name into the checks system. I can now no longer open a bank account with another company until I get this resolved. I have tried to contact the bank multiple times and have not received any help. When the check was entered I immediately didn't have access to my online banking so I could not see what was going on at first. The check was entered at an ATM in the state of Florida and I was in Texas at the time where I reside so I did not understand why I was being punished.

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 2022-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Back in XXXX, I had a judgement filed against me on XX/XX/XXXX. I did not receive notice of this court date or where to appear. In regards of me not appearing to a court date that I had no knowledge of, a judgement was entered in the amount of {$1700.00} ( Cause No. XXXX XXXX by XXXX XXXX XXXX XXXX  on the behalf of Midland Funding XXXX LLC. This judgement was placed on my Business Credit of XXXX XXXX  as a Lien and on my Personal Credit Report as a judgment, Herein, this has been updated as of XX/XX/XXXX. 

I have tried to dispute this several times off of my Business Credit report. It was disputed off of my personal credit. 

However, I have recently researched that Midland Funding, LLC is not licensed in the State of Mississippi.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted Rocket Mortgage ( aka Quicken Loans ) to inquire about obtaining an FHA Cash Out Refinance Loan ( it would be used to pay off a Federal Tax Lien, debts and home improvements ). I would deliver over several days by e-mail to the loan servicing agent all requested information after receiving his verbal delivery of potential FHA approval. After several days and his directive to change document submissions from his corporate e-mail to his personal email ( he conveyed often documents did not go through/transmit properly ). He advised I would not be approved for an FHA loan. I would have to obtain a conventional loan. He stated it was due to the fact I had a Federal Tax Lien ( he had been delivered payoff documentation from the IRS by fax ), which did not appear on my credit report. Because of the Federal Tax Lien did not appear on my credit report I would then be subjected to what was called XXXX payments. A requirement the FHA applicant should have one full payment of mortgage loan principle and escrow ( principal, taxes, insurance ) in reserve/savings. I did not currently have that in my savings. I contacted XXXX ( XXXX ) to confirm the lenders policy. I was advised it was not within their guidelines. I also researched through XXXX and found out Tax liens won't show up on your credit report. That was due to the credit bureaus deciding in XXXX of this year ..tax information would no longer be provided ( due to a creditors ability to find out the information through public records etc. ) I was sent an email conveyance which I forwarded to the loan servicing agent. He later would respond it was his lenders preference in accordance with our government condoned fair lender policy... basically a lender overlay ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Hello, on XX/XX/2022 at XXXX XXXX  I was stolen money from my account. This person did not have my card on them and used it at a XXXX in XXXX NJ. I have never been to this town in my life and they took XXXX dollars from my checking account. I filed a complaint with my bank Chime, and they denied my case. I went to the police to get a report since the almost same exact situation happen to me in XXXX of XXXX The same wawa and an amount of XXXX dollars was stolen from me, and again it was in a town in NJ i have never been to and I was refunded my money back from Chime. However this time and after countless emails and only so much information I can give them ( including my police report ) they still are denying me of my money and sending me the same automated email that the case has been closed and wont refund me my money. I don't know what to do, this is my money i worked hard for and my bank isn't protecting me or helping me get my money that was wrongfully stolen from me.

Company response to consumer: Closed with explanation