vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 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: TX

Complaint narrative:
After actively using and promoting Paypal services for over 5 years, and trusting this company with my personal and business funds. This completely changed on XX/XX/2021. Prior to this, my businesses were using paypal with no issues. Come XXXX, I tried to transfer funds from my Paypal to my bank account and was unable to. I called Paypal and they told me I shouldn't worry, that it was only a measure they took and needed additional information. I quickly provided paypal all the information requested and waited a few days with no response, and transactions still processing into my paypal account. Days later, I receive a call that completely startles me, I'm told told that my account has been limited for 180 Days! That all funds in the account are on hold and non transferrable. This was the start of a huge downfall for my business. And much financial troubles for my family and continues to be. With multiple 5 figures in the account needed for cash flow. All orders have been delivered promptly, I am able to provide tracking for my orders. It has been several months now and I am still unable to access these funds. This is taking food out the mouths of my family and disabling me from paying my rent. I understand to PayPal this sum of money may not be significant, but in my situation this put me on the verge of bankruptcy. If I am unable to have access to these funds very soon not only my business will collapse, but my family will suffer as well. I have not abused PayPals services in any way, this must be a mistake. I have reached out to PayPal several times, but there is no response and if they do respond they do not answer my questions. PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC
State: OR

Complaint narrative:
I opened an account on the trading exchange etorro on XX/XX/2021 with two deposits totally {$110.00} made from my XXXX XXXX XXXX checking account. This deposit completed successfully. 

On XX/XX/2021, etorro said they lacked information about the XXXX XXXX XXXX although it is listed as an approved bank on their website. The etorro case number for this is XXXX. 

I have come to discover that I can not deposit new funds, I can sell lthe crypto currency I purchased, and I can not withdraw funds. 

Over time etorro asked for more proof of identity, which I provided. They told me to delete my bank, which was impossible because I am locked out from taking their requested action. 

I get pleasant email responses that they are reviewing my case, but as of XX/XX/2021 etorro has not fixed the problem. In effect, they are holding my money captive. 

At this point I do not know what to do to get them to fix the problem that they now acknowledge does exist. 

The corporate address for etorro in the U.S. is eToro USA LLC. XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. 

I would appreciate any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Home Loans took our application XX/XX/XXXX, said it would take 6-8 weeks, they strung us along, harassing us with multiple requests for the same info. After two months and getting to underwriting we were declined credit because of " XXXX XXXX Type '', XX/XX/2012. Whatever that means. Having reached out for an explanation and how we could fix whatever problem it is we have not heard back from anyone. They have not removed themselves from my home XXXX and on one call to them to try and understand the problem they said that the loan number printed on our decision letter was not a loan number of theirs and they could not help us. Very poor customer service and no ability to understand our denial nor get our wasted time or credit scores back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX my wife and I purchased a home. Our mortgage was " sold '' several times in the early XXXX and we refinanced a couple of times. In XXXX we did a refi with XXXX XXXX. In XXXX we paid the loan off in full with never a missed or late payment. In XX/XX/XXXX I applied for a HELOC loan with my local bank, A couple of weeks later they informed my that their was a lien on my house. Someone sold the mortgage and didn't release the lien therefore my HELOC loan was denied. Correcting problem this was put squarely on MY shoulders with no knowledge of loans or mortgages. I eventually tracked the lien to 5th 3rd bank. I literally spent hundreds of hours tracking this down and attempting to get them to release the lien. After months of fighting to reach someone XXXX XXXX told me that they don't have the lien. Everyone else says they do. I have hired a lawyer and he has been working on this for months as well. I have no idea what his final bill will be. And still I don't own my home. 
This has been a nightmare for me and my family. Any help would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
DRS Not mine or No knowledge of account successful icon

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I deposited {$3900.00} into my Coinbase account via a bank transfer. After the 10 day holding period I was informed I could now trade. When I tried to make my first taste I received an email that suspicious activity was detected on my account. I answered immediately tell them to cancel all transactions and disable my account. No confirmation was received. My account has been temporarily disabled since then. Despite several emails to support only response has been that an account XXXX was reviewing and I would hear from them in 4 to 5 business days. Its been nearly 3 months and no response. I have no idea if my money is still in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Credit inquiries on my account that I didnt authorize and is fraud XX/XX/2020 tried to get them to remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 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: VA

Complaint narrative:
On XX/XX/XXXX I attempted to re-access my " XXXX XXXX '' account, and received a statement via email : " Your XXXX XXXX account has been closed and can no longer send or receive payments.

Reasons for this decision may include your account history, transaction disputes, or other violations of the XXXX Terms of Service. 

We can not provide further details regarding our decision, which is final. We are unable to reactivate the account. '' In XXXX XXXX I received similar cancellations from PayPal and had several XXXX XXXX " frozen '' for 90 days, then never returned to me. I've contacted PayPal several times to try to resolve this, but never get anything except for form letters in response and " there's no further information ''. 

In the Fall of XXXX, I had my Venmo account frozen with a similar result, only I was able to withdraw all outstanding funds. 

I have NOT conducted any business that is in violation of the terms of service for any of these organizations. There is no information given as to WHY my accounts were frozen/locked/canceled, and I have no recourse to reopen new accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is a complaint with TD Bank in regards to a credit card I have with them. Back in XXXX we missed a payment that was due on XX/XX/XXXX as well as missed a payment that was due on XX/XX/XXXX. We again missed a payment on XX/XX/XXXX but paid the next day on XX/XX/XXXX. So according to my calculations, we were only ever 61 days late for a payment, which is the largest lapse in payment on our TD credit card account. When we called to make the payment on XX/XX/XXXX, the person on the phone informed us of a program called the Re-age program that would help us catch up on our past due balance which was over {$600.00} at that point. We were told that we could split up the payment to {$200.00} a month for 3 months which was the duration of the Re-Age program. Once those 3 months were up, we would go back to making the minimum payment due. Our issue is, we were told over the phone that our new payment due date under the Re-Age program was now going to be on the XXXX of the month for the next 3 months. So, XXXX, XXXX and XX/XX/XXXX. The problem is, they never noted this on our account and we didn't realize that they still had our payment due date listed as the XXXX of the month. We didn't realize this until we checked XXXX XXXX and saw that TD had listed us as delinquent payments for months and months, completely destroying our credit score. We've called TD bank numerous times since we discovered our credit score and not only has our credit score been affected but we were charged late fees erroneously. The frustrating part is, they have no records in their system that this new payment date of the XXXX was discussed, which it was. TD claimed that they would launch an investigation to go over recorded phone calls that we've had with them since XX/XX/2020 to prove that what we are saying is factual. I've repeatedly been calling TD to check on the status of this investigation and it appears every time that no investigation has been launched. If all calls are recorded as they say they are, there would be numerous call where this new payment date of the XXXX is referenced, At this point, TD has done absolutely nothing to correct this and it's affecting us trying to by a house because of the hit our credit score has taken due to TD incorrectly reporting us month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing this complaint because I can not understand the situation with my XXXX  XXXX account. In all my reports, it shows missed payments in XXXX and XX/XX/2019. I downloaded the annual report to compare transactions for this account and did not find information on exactly these dates. I'm not hinting at anything, I just want to understand the situation. During this period I was very sick and I do not remember what happened during those months.

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 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WESTERN EXPRESS LENDING
State: CA

Complaint narrative:
I began a refinance process with this company in early XXXX : XXXX XXXX XXXX XXXX XXXX NMLS # XXXX Mobile : XXXX FAX : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX We locked a rate, and during the process of the next two months the initially agreed fees changed, I paid {$600.00} for an appraisal, and then paid {$300.00} for a subordination to an existing HELOC. Ultimately the company did not complete the loan timely and rates changed creating a disadvantage compared to my existing loan. The company has taken no responsibility, not willing to reimburse me for fees. Completely unacceptable!

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 2021-03-18 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: GA

Complaint narrative:
This company continues to report an auto loan that was included in a bankruptcy almost six years ago. They are currently reporting 120+ day late payments. There are several inaccuracies also being reported and I need the account removed from my credit reports immediately. The date the account went delinquent is also incorrect. They have it reported as XXXX. This account was due to be removed from my report this year but then they changed to date and continue to report late payments. They have continued to report false information. This is a predatory lender with several claims and lawsuits already filed against them. They must be stopped from doing this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: GA

Complaint narrative:
This company continues to report an auto loan that was included in a bankruptcy almost six years ago. They are currently reporting 120+ day late payments. There are several inaccuracies also being reported and I need the account removed from my credit reports immediately. The date the account went delinquent is also incorrect. They have it reported as XXXX. This account was due to be removed from my report this year but then they changed to date and continue to report late payments. They have continued to report false information. This is a predatory lender with several claims and lawsuits already filed against them. They must be stopped from doing this to people.

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 2021-03-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I took a look at my Equifax credit report and I seen that XXXX  XXXX XXXX  AND XXXX XXXX XXXX was on there. I have never dealt with them nor signed paperwork with them. They believe that this is mine, I've also requsted them to show me that I signed ( signature ) a contract with them. I submitted a report with the FTC. I do not know who this company is and never signed any paperwork with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX last 4 :XXXX To Whom It May Concern This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. 


This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 


Here is the account that keeps negatively being reported XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX XX/XX/XXXX Original Balance {$18000.00} {$18000.00} Current Balance {$18000.00} {$18000.00} Responsibility These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case. 





XXXX XXXX XXXX  XXXX XXXX XXXXPresident and Chief Executive Officer XXXX XXXX XXXX XXXX XXXX IL XXXX Email-XXXX XXXX XXXX Executive Vice President XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Email-XXXX XXXX XXXX XXXX XXXX  Executive Vice President Consumer Interactive XXXX XXXX XXXX XXXX XXXX Illinois XXXX I have already hired a consumer attorney to plead my case. an will be pursuing full legal action against ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 
( XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: OK

Complaint narrative:
3 days ago, I received a notice from a debt collector, XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , WA XXXX. 
The creditor is : Regions Bank - Client Account # XXXX - XXXX Account # XXXX. 
The notice states that I owe Regions Bank {$850.00}. I had NEVER heard of Regions Bank before I received this notice, nor have I EVER done business with them. 
I called XXXX who told me to call Regions, which I did. I called Regions Customer Service, XXXX, who told me to call the Fraud Dept. 
I tried to call Regions Fraud Dept. ( 2 different times, 2 different phone # 's, XXXX and XXXX, that were provided ). I was on hold for 2 hours one day, 1 hour the second. A person never came on the phone. 
I called XXXX. They are putting this into a Fraud File. 
Yesterday, XX/XX/17, I called Regions Customer Center. They had no record of my SS #, and asked me to bring the letter to the branch. I've lived in XXXX  XXXX years. There are no Regions Banks here. She then hung up on me. 
This bank is very poorly run, and is NO, absolutely NO customer service. They need to be investigated. They, out of blue, declare that a person owes " X '' amount of dollars, yet refuse to speak to the person they are attempting to fraud. 
I would appreciate it if you would look into this for 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 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I filed a dispute for fraud on XX/XX/XXXX for 2 transactions with XXXX, after some time TCF denied my claim, and then denied my appeal. after I filed a CFPB claim they agreed to help me " recover the funds '' from XXXX. 10 days later I received an e-mail from XXXX that the funds from these transactions had been withdrawn and TCF now had the funds in their possession. However to date I STILL have not had these funds credited to my account, why is TCF holding onto these funds that are rightfully mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANCO POPULAR DE PUERTO RICO
State: NJ

Complaint narrative:
I finance a car back on XXXX with banco popular of  Puerto Rico the account was charge off on XXXX but the balance was paid on XXXX and then they give me the title off the vehicle and right now they are re aging the account to keep it on my XXXX  credit bureau and know said that the charge off was XX/XX/XXXX this negative account have already 14 years on my credit because they are re aging it and I have the pay off letter that shows that I paid this car on XXXX I already call them couple of time and make claims to XXXX and nobody help me

Company response to consumer: Closed with explanation