vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-19 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: OR

Complaint narrative:
I sold three sewing machines on XXXX. These machines were personal items. I loaned money from my business to family members in anticipation of these funds. PayPal has for no reason taken my money i.e. {$7000.00} and told me they are closing my account and keeping this money for six months. The buyers are happy and Im happy with the transaction. PayPal has no reason whatsoever to do this. Two machines sold on XX/XX/XXXX and one on XX/XX/XXXX. Totaling {$7000.00} I shipped the items immediately. Provided tracking info. Provided PayPal with additional info. I have never had chargebacks, never a customer complaint, and only use PayPal and XXXX  once in a while. I was planning to start doing more business but could lose my business and my home over this. {$7000.00} is a lot of money my family and I were counting on as soon as PayPal said money was there. I have emailed, called and called and called PayPal and all employees act as if this is just ok and Ill get an email in six months about how to get my money. If there was a reason for this I would have no problem but nobody has done anything wrong except PayPal trying to take this money for six months. Fine if thats how it is but Ill be asking for interest, penalties, my time @ {$75.00} hour for this whole debacle, attorney fees and potential growth of {$7000.00} dollars at my business that PayPal has cost me after six months. I just want whats legitimately mine and my familys. A computer algorithm at PayPal has caused this problem and nobody there is willing to fix it without someone going to these extremes. Hopefully this complaint and this agency can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: FL

Complaint narrative:
Re : XXXX XXXX XXXX, XXXX XXXX, Fl XXXX  Title Policy # XXXX Closing Date : XX/XX/17 To whom it may concern : Following a description of my complaint.

Both, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( closing agent ) are negligent by overlooking an existing lien on the above referenced property.

No document in my closing package mentioned or referenced the existence of a Green Corridor '' lien/ or a consent to assume said loan, payable once a year via the property tax bill.

Moreover, the underwriter failed to include, as a requirement to close in SCHEDULE B - SECTION I, Payment, the cancellation and satisfaction of record of mortgage executed in favor of Green Corridor.

Please contact me should you require any supporting documentation or information.

Looking forward to hearing back from your agency soon.

Sincerely, XXXX XXXX XXXX p.s. YES, I agree that you publish my complaint. I am certain many consumers are in the same predicament and are not aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
They called me early on XX/XX/XXXX, about XXXX from a blocked phone number. I called back to speak with a supervisor the same day after XXXX to put in a complaint they told me they can call from a blocked phone number as long as they tell me they are calling about a debt. When I asked wasnt that breaking federal law they told me someone in their compliance department told the supervisor, they werent in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed unauthorized activity in my checking account and my line of credit account on XX/XX/2019. I also discovered that account preferences had been changed without my knowledge, request or authorization. I have not had access to over {$1500.00} of deposits since XX/XX/2019. Wells Fargo admitted a glitch in their system and stated my funds are in limbo. This is affecting my commitments to my creditors. I have filed a police report with XXXX and a complaint wi OCC. Thank you in advance for your help and attention.

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 2019-01-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I complained to the consumer protection bureau about Equifax not allowing me to get into my account after asking 20 questions two different times. I wanted to put a PERSONAL STATEMENT on my credit report that said MY PREVIOUS BANKRUPTCY WAS DUE TO IDENTITY THEFT. This could have been prevented if EQUIFAX would have accurately investigated the problem. Now instead of putting the personal statement which I was SPECIFICALLY THE REASON I called about AND complained about, they wrote me a letter and purposely put a fraud alert on my file instead, making it harder to access my credit report. What is wrong with these people? How can I spell it out to them? They do not want me to have anything accurate on my file. I am so sick of this and I will now have to hire a lawyer again!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I don't know what actual route I need to take through the prompts are to get to the right place, so this is probably not in the right department.

I found out today that Experian has been charging me {$22.00} a month for something that I did not want and had no idea that there was any recurring charge, let alone the insanity that is {$22.00} a month.

I paid {$1.00} for what I thought was a 7-day trial so that I could see my credit score a single time. Apparently the 7-day trial is a 7-day period of a " discount '' before the price goes up to $ XXXX/month, not a 7-day trial to check your score before you lose access to it as I think almost anyone would expect.

They pay to have XXXX  display them at the top when someone searches for " free credit score '', then they actually charge you {$1.00}, which is actually over {$250.00} a year. This is not ok. We are held unjustly behind an unfair and unregulated credit score system, extorted to even be able to check it, then are hit with hidden bills like this. Seriously?

I was under the impression that stuff like this was supposed to be shut down. Isn't this the EXACT situation referenced in this article?

XXXX XXXX XXXX Thank you for any help on this matter and for doing the work that you do. It IS VITAL.

Additional information that I find egregious : 1. I have no email from them telling me that I'm being billed or even that I created an account.

2. They make it nearly impossible to figure out how to cancel future charges. I honestly don't know if I am opted out of the recurring charges or not at this point.

3. They hold customer service hours that make bank hours look like XXXX. I can't contact them in any reasonable way during any reasonable hours. I work. They know that. That's why they have such unreasonable hours. This is not right.

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 2019-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
Between the years of XX/XX/XXXX and XX/XX/XXXX, the college I attended ( XXXX  University ) offered a direct private student loan to bridge the tuition gap that my Federal Student Loans did not cover. After XXXX  in XX/XX/XXXX, I was suprised when I received a letter in the mail that the private student loan portion was due immediately, instead of the usual 6 months until AFTER XXXX. I was unable to pay as I was unemployed for nearly a year after XXXX. By the time I eventually did get employement and had the ability to pay, it was too late - the school had sold the debt to a third party collection agency, damaging my credit. The main problem is I have received minimal to NO communication from this third party collection agency other than a single notice in the mail that the entire balance was due. I reached out to my school directly if I could come to an agreement with them, but they simply told me there is nothing else they can do and I have to deal now with the third party collector instead. Now I don't know who currently owns this private student loan debt as I have not received any communication on it for almost 2 years and don't know who to reach out to, and the school offers no additional help. This account is still on my credit report as a derogatory and has prevented me from being able to request any kind of credit, even things as simple as a credit line increase, much less a loan for a dependable car.

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 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: UT

Complaint narrative:
On Thursday, XX/XX/2019, around XXXX EST, I contacted my bank, North Carolina State Employees Credit Union , and requested they report a line of credit ( {$500.00} ) to XXXX credit bureau . They denied my request to have it submitted to this agency claiming they only report to one credit bureau, XXXX. When I asked them what can I do to make this happen, their response was " sir there is nothing you or I can do to have the credit union report this to another credit agency. '' The only option they gave me was to contact XXXX  and have them request the updated information but they said it would do no good due to the fact the bank will not divulge the information to anyone. In my mind and based on what they just said but already did, if they were not going to share that information with another credit agency at my own request then why have you already shared that information to a credit agency without my consent?

This complaint is in conjunction with a previously file complaint against the credit bureaus.

Reference number= XXXX The circumstances of me requesting this information be sent to the other credit bureaus is in order for me to exercise my VA Home loan benefits I must have a second credit score for the underwriting guidelines under XXXX XXXX and XXXX XXXX . All I am trying to do is use my VA benefits, which I sacrificed more than you could comprehend, for the point of being exempt from the funding fee. I am in the understanding that this violates my rights as a veteran under the " Service men and women 's act of the armed forces '' in a way that may not be as black and white as the foreclosure process but it is still as detrimental to me that prevents ownership of my family 's first home.

A timely response to this ongoing issue is imperative to the concerns of my family and I.

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 2019-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We have a home equity loan with lender XXXX XXXX. The company closed doors and we contacted a lawyer to pursue this company and found out they closed doors and no longer in business. All payments were seized and never heard from XXXX and all correspondence stopped and on line account access locked. Statue of limitations were reached. And now to our surprise the loan was sold multiple times. And we have sent letters to each of these new debt collectors asking for proof of original copies of loan and terms and real time payment made to loan so we can see the real time date and amount and transaction payor id so we can determine the information is in deed accurate, true and just so we can identify if statue of limitations has been meet. No one can provide that info. the loan is know in the hands of Shellpoint who has numerous complaints of Racketeering and unfair debt collection practices for mortgage loans that have unfair subprime terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I already filed a complaint for fraud. We had over {$20000.00} taken from a checking account with TD Bank with no alert at all. 
Most recently we got a letter stating we were late two months and after trying to call because we are 'locked out ' to sign in online because of the fraud and the issue with the theft of the funds ... .I couldn't see what happened. I then asked to be connected to the IT dept and both depts said we needed to go to a branch. We go to a branch in XXXX XXXX XXXX NJ and both managers had to wait on hold ... .only to tell us the XXXX had been posted 'wrong ' and the XXXX payment just posted. Again all very suspicious!!! This company needs to be investigated, the service is awful but we have had issues every few months with payment postings, theft, etc. 
I had to leave the branch as we were there too long but after telling us again this was their fault they couldn't even provide proof that our credit wasn't affected that our late fee was removed and that the bill is current. They said they can not email stuff like that. 
OMG!!! I emailed their corporate office also. We can't get another mortgage to pay this off since the rates went up so we are stuck for a few years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had issues with making online payment for a XXXX XXXX XXXX Credit card. They charged me for late payment while later it was discovered that they had issues with their online payment technology. They have accepted their mistake on the phone and sent me a letter. But the letter does not state that they have issues with their payment technology. Also, I applied for a new credit card with Chase but my credit card was rejected by chase and they had sent me a letter stating that they used my XXXX XXXX credit score to base their decision.

I checked my XXXX XXXX credit report online and the issue with late payment of XXXX is still reported in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax-XXXX  XXXX had did there investigation on these account i had send copys to Equifax XXXX  many time to the years they had not take these account of my credit report. 

1. XXXX XXXX XXXX  XXXX {$700.00} 2.XXXX XXXX XXXX XXXX {$760.00} 3.XXXX  XXXX  XXXX  XXXX {$100.00} 4.XXXX  XXXX  XXXX, XXXX {$1500.00} These account have been investigation by XXXX  and was deleted from my credit report. 

I had ask Equifax to add the these account to my credit report. 

CREDIT CARDS XXXX XXXX XXXX  XXXX XXXX Last reported : XX/XX/2018 {$0.00} Good XXXX XXXX Last reported : XX/XX/2018 {$0.00} Good XXXX XXXX XXXX Last reported : XX/XX/2018 {$0.00} Good XXXX XXXX   XXXX  XXXX XXXX Last reported : XX/XX/2018 {$0.00} Good XXXX/XXXX Last reported : XX/XX/2018 {$0.00} Good They will not add my account to my Equifax report. These are good outstanding account need be add. Just dont unstand why they are doing me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: AZ

Complaint narrative:
I have sent three 609 dispute letters to each credit reporting agencies, XXXX XXXX XXXX  Experian, starting in XX/XX/2018 XX/XX/2018 and XX/XX/2018, to verify and validate all accounts and collection accounts and inquiries, yet they fail to give the proper information stated under fcra law, example who verified name dates where the validation came from contracts with my signature on it, or any other documentation supporting these are my accounts. I sent each letter registered with returned signature, they did this up to 12 business days later, when I sent it 2 day mail. inquiries that were not verified and validated, lawyers requested these inquiries not under my authority. to my dismay, they sent back results in some cases over 30 days later which is against fcra law, anything over 30 days must be removed per fcra law. I listed on each letter to each reporting company dates names account numbers and all other important info, but yet would not give me any, documentation or other contracts with my signature on it. nor did they provide any information of who did the verification, or validation dates companys anything. under fcra they are supposed to provide all this, and nothing.i sent 1st letter to Experian on XX/XX/2018 and did not receive until XX/XX/2018, 2nd letter XX/XX/2018, and third XX/XX/2018, XXXX  1st on XX/XX/2018, 2nd XX/XX/2018, third XX/XX/2018, XXXX XXXX 1st XX/XX/2018, 2nd letter XX/XX/XXXX, third XX/XX/2018, now I have there signatures and returned info signed by them for proof, each letter contained accounts, inquiries and collections that needed to be validated and verified along with documentation to show my signature and or contracts nothing was provided on any.please if there is anything you can do, I would appreciate your help to get this straightened out. I am willing to take this to litigation and ask for damages and my time.i can provide each account and dates if wish, aprox. 6 or 7 items on each report with illegal inquiries not authorized by 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 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
On Thursday, XX/XX/2019, around XXXX EST, I contacted my bank, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and requested they report a line of credit ( {$500.00} ) to Transunion credit bureau XXXX They denied my request to have it submitted to this agency claiming they only report to one credit bureau, XXXX. When I asked them what can I do to  make this happen, their response was " sir there is nothing you or I can do to have the credit union report this to another credit agency. '' The only option they gave me was to contact Transunion and have them request the updated information but they said it would do no good due to the fact the bank will not divulge the information to anyone. In my mind and based on what they just said but already did, if they were not going to share that information with another credit agency at my own request then why have you already shared that information to a credit agency without my consent? 
This complaint is in conjunction with a previously file complaint against the credit bureaus. 
Reference number= XXXX The circumstances of me requesting this information be sent to the other credit bureaus is in order for me to exercise my VA Home loan benefits I must have a second credit score for the underwriting guidelines under XXXX XXXX and XXXX XXXX . All I am trying to do is use my VA benefits, which I sacrificed more than you could comprehend, for the point of being exempt from the funding fee. I am in the understanding that this violates my rights as a veteran under the " Service men and women 's act of the armed forces '' in a way that may not be as black and white as the foreclosure process but it is still as detrimental to me that prevents ownership of my family 's first home. 
A timely response to this ongoing issue is imperative to the concerns of my family and I. 
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