vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
For the past two or three transactions that I've attempted to make using Western Union they have accepted the payment and confirmed the transaction only to take the money from my account, and when my wife goes to pick the moneyup in XXXX she is told that they can't pay it out and I need to contact Western Union. Once I contact them, I'm told that there's a hold on the transaction and it will be refunded to my account in 3-5 business days. The first one was on XX/XX/XXXX for {$1500.00} and the other one was today XX/XX/XXXX for {$200.00}. This is insane, I typically don't have enough money in my account to resend the same amount of money that I just tried to send and they are holding. Last time I was told that it was because they are unable to pay out more than 9000 pesos, and this time I sent $ XXXXUSD - which would have been XXXX pesos and was given the same XXXX  reason for reversing the transaction. Also, I just checked on the app to make sure I got the dates correct and the transaction from today still shows 'In Progress ' after they specifically told me they were cancelling it. So they're basically just collecting interest on it. 

If they aren't going to pay the money out why would they accept the transaction in the first place? They have all the info available before they take the money out of my account ( destination, amount, etc. ), and they still take the money. So while they collect interest on the money they took out of my account my wife has no way to pay her electric bill or phone bill because i have to wait 3-5 business days for them to give me my money back. Customer service is worthless, I've been read the same script twenty times already. Either they don't understand the problem or they don't care, probably a mix of both.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Im having this problem with Coinbase. On XX/XX/XXXX XXXX I sent XXXX xrp coins to my coinbase wallet, and had also purchased {$100.00} in bitcoin through coinbase on XX/XX/XXXX, Coinbase would not let me withdraw my xrp to my secured wallet, I read online that it was a problem with the mobile app and to try on a computer browser. To log onto my coinbase account on my computer I had to do 2 factor-authenticator, this required me to click on an email they sent to the email on file which I no longer have access to. So I clicked I no longer have access to this email, which allowed me to change it by uploading my ID to confirm my identity. I was told I would receive an email when my ID was confirmed and that my email has been changed. I got an email saying that they couldnt confirm my identity and to try again, but the next time I opened my app I had to re-log in, but when I went to enter my credentials I noticed I could only sign in with the emaiI had requested to change to even though I was notified that they couldnt confirm my identity. And when I logged in my total account balance was {$5.00}. No bitcoin and no xrp was in my portfolio, and no transactions from the last two years are showing. I know its the same account because all my info is the same and I have the same wallet addresses. I contacted coinbase support and received no response, submitting a ticket and all and received nothing in return. I will attached transaction ID and blockchain ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I opened a line of credit with Conn 's Appliances on XX/XX/2016. The original amount was {$2000.00} or so at the time of signing the agreement. As i review all payments up until the charge-off, I've paid {$3600.00} to Conn 's Appliances on this line of credit and they're still threatening to take legal action if they don't receive an additional total of {$4200.00} in interest and fees which is absolutely outrageous. I would've paid this account off 3 times with the amount of interest and fees that Conn 's is asking for to resolve this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
To Whom it may concern, This is a complaint against Citibank for failing to properly investigate the disputes on my account ending in XXXX. 
The organization did not properly investigate the issue and made the decision to close my account due to one or more returned payments in the past six months. The payment they were referring to was in the amount of {$3400.00} made on XX/XX/XXXX Pay by phone ACH from a XXXX XXXX XXXX Account. I never made this payment and don't own a XXXX  checking account. O called Citibank numerous times and they failed to take any action- instead I was transferred from one department to another speaking with several agents that were not in the position to assist. This was a fraudulent transaction which was later removed. In XX/XX/XXXX I've sent a letter to dispute their decision and I didn't receive any response. Subsequently, I send an email with the documentation on XX/XX/XXXX to XXXX, ATTN. XXXX XXXX, dispute analyst. 
Please see more details attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/2021 Portfolio recovery add a derogatory mark in my credit report at XXXX XXXX  upon further research this account was transferred/ hold and I am not longer responsible for the account, debitors credit did not verify this collection. Also there's was not written form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the fcra Portfolio recovery has violate my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I was coming back from my first duty station in XXXX and I was looking forward to buy a truck. Long Story short I got a load with SNAAC and I didn't know the XXXX have a Law called the SCRA which protect military from paying to high of an interest rate. I already paid my car off but I wanted to know if i could get some of the money back to me. My APR was 28 percent. Being young and dumb I didn't know that was high. My brother and wife told me about this a few days ago. I have been in the XXXX now for eight years and I just paid that truck off last year.

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 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
What time do you make electronic payment before the end of the grace period for approximately {$3200.00} for XX/XX/XXXX the payment was held by fifth third bank and was not excepted despite there being sufficient funds. I called after making a payment and they confirmed over the phone that the payment was made on time and for the sufficient amount and I was not to worry however the bank still held my payment I have a late charge and a negative report reflected on my credit for this payment of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX of 2020, I discovered that I am a victim of identity theft. I find out that someone unknown to me had used my personal information and good credit to get two credit cards from XXXX and BANK OF AMERICA. At that time I had filed an FTC report through identhitytheft.gov and sent a dispute letter and copy of identity theft report including copy of my drivers license and notice to furnisher to the all major credit bureaus, also sent the same dispute letters to XXXX and BANK OF AMERICA. The dispute letters that was sent to the original creditors stated that these accounts were opened under my name fraudulently. XXXX removed the account immediately and BANK OF AMERID did the same thing, About three weeks after through my real-estate agent i find out that BANK OF AMERICA has re appeared on my credit report. being annoyed I contacted BANK OF AMERICA FRAUD DEPARTMENT and I asked them about the fraudulent account that re appeared on my credit report and why I was not notified about they put back that account on my credit report and what was their reason they put it back and I was told by their fraud department that they did not have enough evidence and they requested a police report from me. which I did give 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 explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
President Trump sent emails about the moratoriums that were in place because of covid-19 and that all foreclosure sales and hearings were set aside until XX/XX/2021. Every foreclosure sale and hearing was set aside XXXX in the XXXX judicial circuit except XXXX XXXX. This caused XXXX XXXX to sell my home of 31 years to XXXX for XXXX on XXXX. The chief Judge, XXXX XXXX presiding at the time allowed this to happen. Judge XXXX XXXX wouldnt allow me to introduce emails I received from the White house signed by President Trump in any hearing as evidence. The presiding Chief Judge XXXX XXXX honor my request to recuse himself but dishonored my request to change venue. XXXX appointed Judge XXXX XXXX to honor a writ of possession fir the XXXX XXXX to remove my grandson and myself on XXXX from XXXX XXXX XXXX XXXX. The new moratorium that now in place and these judges dishonoring a presidential moratorium order set themselves each up to be charged XXXX fine plus a year in jail. All of them basically stated that the covid-19 pandemic affected everyone in the United States except XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
The servicing company show a balance of {$10000.00} on my mortgage after the maturity date of XXXX XX/XX/2021. This would mean that I had missed 2 years of payments. I did not have any modification to my original loan agreement. i was approved for 2 times for deferment payments totaling {$2500.00}. As of the XX/XX/2021 statement I mailed in the XXXX P & I payment and the deferred amount of {$2500.00} for a total of {$3100.00}. This should have satisfied the account. Prior to the maturity of the loan, i made numerous contact with the prior servicing company, Ditech, and the current servicing company, Shellpoint. Neither has given proof showing 2 years of the missing payments nor any legal documents showing that there was a modification to the loan that would validate the balance in question. The payment documents provided by the companies do not show 2 years of missing payments but only the deferred payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: OK

Complaint narrative:
On XX/XX/2020, an amount of {$14000.00} USD was stolen by PAYPAL. 
Paypal closed my account for no reason and will not help me to get it back up and going. I believe that was a mistake, but I can not do anything about it. Then, paypal informed me that the balance on my account will be on hold for 180days, after that, they will send me an email and let me know when I can withdraw that balance. However, the balance was transferred from my paypal account to PAYPAL itself. As the account holder, I even don't know anything about that payment, because don't want to let me know. They took the money without my permission. I just remembered that I can report this to CFPB and get help from you. My email linked to this paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/2021 I received a letter from PNC Bank in the mail indicating that 3 accounts had been opened on XX/XX/XXXX. I received a separate envelope with a virtual wallet debit card. I had not opened an account with them and have never had a relationship with them. 

On XX/XX/2021 I called the PNC customer support phone number XXXX and reported the accounts as opened fraudulently. The person on the phone did not seem interested at all in the issue and would not give me any information. Upon my insistence, she said someone in the complaints dept. would contact me in a few days. 

On XX/XX/2021 i received a voicemail from the retail support group on behalf of XXXX XXXX, with a phone number ( XXXX ) XXXX. I called the number back the same day and left a message indicating I was returning a call. 

On XX/XX/2021 I received a call back from XXXX XXXX. He indicated that he needed to verify my identity and would send a text ... to the phone number he had just called me on ... and would need me to give him the PIN. Hi then placed me on hold and I received the following text : PNC will not call and ask for your passcode or your online banking login info. Your code is XXXX So naturally I asked, why does this say PNC wont call me to ask for this code ... but you are calling to ask for this code? He got XXXX, indicated that he was very busy, and demanded that I give him the code or he would not be able to help me. I asked for His direct phone number. He gave me the same phone number from the voicemail on XX/XX/2021. This phone number is not registered to PNC. It is registered to someone named XXXX XXXX in XXXX, PA. 

I hung up and drove to a branch located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. When I arrived I asked for help to set up online banking for the fraudulent accounts. The branch manager would not give me any of my account details, but indicated that there was no history on the account of my previous reports that the accounts were fraudulent. There was no note to close the accounts, despite multiple contacts with the company customer service that should have initiated this. He suggested I file a police report, which I did. 

As far as I know, the accounts are still open but I am not able to access them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I initially filed a complaint with this company. I asked for information verifying the debt. I received information such as a bill and invoice information. However, I do not recall this debt in question. Now, I am asking for validation of this debt. I need a document that shows my signature stating that I owe and will pay this debt to this company. I do not recall this debt. I have attached a letter stating the information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
i paid this particular accout back in XXXX sometime it was paid in full

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CA

Complaint narrative:
On XXXX of 2020, I discovered that I am a victim of identity theft. I find out that someone unknown to me had used my personal information and good credit to get two credit cards from XXXX/XXXX and XXXX XXXX XXXX. At that time I had filed an FTC report through identhitytheft.gov and sent a dispute letter and copy of identity theft report including copy of my drivers license and notice to furnisher to the all major credit bureaus, also sent the same dispute letters to XXXX and XXXX XXXX XXXX. The dispute letters that was sent to the original creditors stated that these accounts were opened under my name fraudulently. XXXX/XXXX removed the account immediately and XXXX XXXX XXXX did the same thing, About three weeks after through my real-estate agent i find out that XXXX XXXX XXXX has re appeared on my credit report. being annoyed I contacted XXXX  XXXX XXXX FRAUD DEPARTMENT and I asked them about the fraudulent account that re appeared on my credit report and why I was not notified about they put back that account on my credit report and what was their reason they put it back and I was told by their fraud department that they did not have enough evidence and they requested a police report from me. which I did give 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 explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jim Bottin Enterprises, Inc
State: IN

Complaint narrative:
When I signed up for the membership the manager gave me the option to sign up for 3 month, 6 month, or 12-month membership ( with different price rates ). I opted for a 12 month at {$38.00} a month. Given the time period for each membership option, I assured that the membership will be only active for that amount of time. I was not told that the membership will automatically renew itself every 12 months. They did not even show me the membership agreement and hence never walked me through the agreement. They kept charging me a monthly membership fee of {$38.00} plus {$30.00} every year. I then decided to close my bank account and soon they send me the notice for the unpaid balance. 
I contact the company via email to cancel the membership but they said I have to come to the gym location to cancel. Unfortunately, I am in the XXXX XXXX and can not get out of the house at this moment. The company then sent me a Final notice and threatened to transfer the case to the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CO

Complaint narrative:
On XXXX, 2020, paypal took the money from my paypal account, the amount is $ XXXX. They says the funds will be on hold for 180days when they put a limitation on my account, but when I checked my account recently, I noticed the money was gone, it was taken by paypal already, and I, as the account holder, don't know it at all. They took money from users without authorization from its users, which is unacceptable. I wish you can help me to solve this issue. I don't think I did anything wrong when I was using paypal, and I got so disappointed about this company. The email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation