vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 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

Complaint narrative:
My name is XXXX XXXX XXXX, on the XXXX of XXXX, i received XX/XX/2000 usd as payment for a service that i am to render to my client called XXXX via paypal, in a few munites paypal limited my account until i proved to them what the funds are for which i diligently did but they permanently limited my account to an extend that i can not withdraw or deposit neither can i send or refund my clients. 
i have tried raising the issue with them but they keep on saying that they are protecting their clients and i am left wondering who i am, my business is in shambles at the moment because i can not raise the blocked amount of money to finnish what it was ment for, i have gone to an extent of getting intouch with my clients to tell them to ask for a refund but paypal says its going to hold to the cash for 6 months which is rediculously insane, i really dont understand and they can not explain as to why they limited my account. 
i am suppost to do the XXXX   on XXXX XXXX and XXXX XXXX but i can not, holding this amount will not only negatively impact my business but give us a negative review to over 200 people who are suppose to join us for the XXXX  XXXX. 
funny enough i went online and found out that am not the only one whose account has been permanently limited, there has been so many negative reviews from this year this has pushed paypal to be the lowest ranked financial institution. 
i believe this is more than a scam institution as they dont even follow up to with the source of funding or payments so that they can establish their cases before they completely block one from accesing their fund

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I had XXXX as cable company for 3-4 years. Upon purchasing a new home i tried transferring services with them to my new address but they did not offer service at the new address. I then had to cancel my service. I was told I owe {$0.00} I paid all my bills on time never late on anything. I have perfect credit and have never missed a payment and have no derogatory credit at all. After a year I received a collection notice saying I owed a collection company or XXXX over {$890.00} for terminating my services early. I called XXXX and asked for proof of any contract XXXX phone recording with me agreeing to a contract or written contract ) they provided me with nothing. If there is proof of me agreeing to a contract after having services with them for over 2 years Im more then happy to pay what I owe. But they wont provide proof of anything. I had XXXX from XXXX to XXXX when I moved to my new address. I tried calling the collection agency not only do the refuse to delete this collection or provide proof of contract but they hang up on me every time I call, I cant even speak with a supervisor. Im beyond frustrated because this is dropping my credit score over 40 points and Im personally in the financial services field with no derogatory remarks on credit except for this. I even went to a XXXX location and they said your right you owe {$0.00} but you need to take this up with customer service and or collection company but they are not doing anything for me and I have been trying to get this removed for over a year. Please help me get this deleted off my credit. The collection company is convergent outsourcing. I would like this collection deleted off my credit report please

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 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I had identity theft in XXXX in XX/XX/XXXX I requested my credit report and corrected wrong information. There was a collection XXXX at XXXX XXXX XXXX for {$2900.00} from XXXX XXXX XXXX. I disputed this account because I never received info on it. In XX/XX/XXXX the collection was deleted from my report. In XXXX I applied for a loan and this debt showed up again as opened XX/XX/XXXX. I disputed it with XXXX who said the collector was accurate? I never received any info on this debt? It was opened on XX/XX/XXXX But it was opened XX/XX/XXXX! That is not accurate. And I do not know if that is my Bill or identity theft because I was never given any info at all. The debt is barred XX/XX/XXXX which I dont understand because it was initially opened XX/XX/XXXX! It was deleted now XXXX says they provided accurate info? This cant be true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP

Complaint narrative:
Applied for Bank of America XXXX XXXX XXXX XXXX late XX/XX/ 2021. 
Instant reply was : Denied, we will send a letter explaining why Received letter to my military APO address XXXX XX/XX/2021, dated XXXX XX/XX/2021, stating the application was not approved because, " You are currently or have recently been enrolled in a consumer credit counseling service or a reduced payment plan. '' A check of the XXXX  credit report they CLAIM to have used to disapprove credit shows NO such information and no indication of any such service or payment plan This is behavior by Bank of America ( B of A ) is problematic for three reasons : 1 ) Neither I nor co-applicant nor anyone in my household is or has been enrolled in a consumer credit counseling service or reduced payment plan - NONE. This matches the ABSENCE of ANY such notation in Credit Report. Credit report is not wrong, only B of A 's false claim / excuse is wrong. 

2 ) Was this actually B of A discriminating against Americans XXXX  XXXX  with U.S. Military addresses, even when a credit report verifies those military addresses? My credit score from XXXX was over XXXX, according to B of A 's letter of denial, and claim of " consumer credit counseling or a reduced payment plan, '' proved false by looking at credit report. So, why the false claim and why the denial? What other hidden criteria did B of A ACTUALLY use to deny credit? Why did they lie about it in their written explanation? 

3 ) Even if we HAD been enrolled in credit counseling ( we are/were no ), it seems worrisome that receiving consumer counseling services would be a negative thing used to deny credit. Shouldn't disapproval of credit be based on ACTUAL losses or failures to pay rather than consumer education received?

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 2021-02-19 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I am a united XXXX veteran, While in service my unit provided me with a commercial travel card from CITI back which they used to pay for the travel fights and for missions and training. 

This was a restricted card and was paid by the United States XXXX, Upon the XXXX transferring me to a new unit, My prior unit never handle the card pay for my last training mission or paid it late Because of the lack of someone in the past XXXX unit outside of my control forgetting to take care of this account because I was targeted to a new unit and was forgot about. 

I have disputed this account with the information above to the credit reporting agency as a business account that I am not responsible for. As well sent goodwill later asking for this to remove from my credit report because and this was a commercial account for the united states XXXX which I was not responsible for paying. They have denied all my good faith a temps

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 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
This is about SETERUS.Inc. And XXXX XXXX XXXX. As the successor in interest to SETERUS. Inc. WE NEED A lost mitigation applications to recoup our losses because of SETERUS VIOLATIONS OF REGULATION X PLEASE Respond to us at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX We need a lost mitigation application s Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
at the end of XXXX i began to have fees placed on my account that would place me in a hardship that i would not recover from. There was numerous fraudulent transaction on my account that they were fully aware of. I was not notified. They simply kep processing them even after the first card was cancelled. i received a bad check from a vendor in XXXX of XXXX with a account balance over XXXX XXXX in checking and XXXX in savings the check. the check was only for XXXX no issue i had money to cover it never the less i didn't spend a dime in that account two weeks prior or any time after four more payroll checks were deposited. i losses it all even with the 25 pending disputes that were in my favor. because the third party merchant informed me that they reversed the payments at question. I called non stop and if they were not hanging up they simply pretended to forward my issues but nothing was done. I loss almost XXXX this created a big hardship for me and my XXXX kids. please help i have all of the needed documentation.

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 2021-02-19 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: Absolute Resolutions Corp.
State: PA

Complaint narrative:
ABSOLUTE RESOLUTIONS C XXXX**** Balance {$370.00} XXXX/XXXX XXXX Balance : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: PA

Complaint narrative:
XXXX/XXXX XXXX**** Balance : {$0.00XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX**** Balance : {$920.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: OR

Complaint narrative:
After locking our rate at 2.625 % on or nearXX/XX/2021, our rate changed at some point before XX/XX/2021. I did not authorize the rate change. When I asked why our rate changed from 2.625 % to 2.5 %, Better Mortgage could not explain why it changed. They ultimately said this was some kind of technical " glitch. '' With the rate change, our fees and credits changed as well. Because it happened automatically, they said they could not tell me what changed in terms of costs. I was concerned because I wanted to know if points were paid for to attain a lower rate. To help, they added some credits to my account on XXXX and again on XXXX. With the credits, we continued the loan process. 

The day before signing our final documents XX/XX/XXXX, they swapped many numbers on the Loan Disclosure. I believe they did this to hide where the credits were to make their own price up. By updating the county property tax ( which we informed them was wrong on XX/XX/XXXX via email & confirmed with the county & title company ), their defense is that a lowered property tax is why all the numbers changed drastically. They said they could not explain exactly how. Our final loan estimate from XXXX to XX/XX/XXXX was stating we would need {$140000.00} to close based on a 12-month prepaid county property tax ( for {$8600.00} ). 

On XX/XX/XXXX, they updated the county tax prepaid to {$2200.00} ( based on the correct county property tax ) creating a {$6300.00} gap. When I compared the " Cash to Close '' between estimate & loan disclosure the difference was only ( $ XXXX XXXX {$3400.00}. What I wanted to understand was where the {$3400.00} credits went. I understood there could be fluctuation in the difference such as the home insurance we purchased for {$570.00}, but I thought the gap was too big. No one could explain the gap besides telling me it was because the tax amount was different, which I already understood. 

On XX/XX/XXXX our cash to close went up to {$130000.00}, creating nearly a {$4300.00} gap from what I expected based on the logic of the final loan estimate. I thought a more reasonable difference from the estimate to final loan disclosure would be somewhere around or under {$1500.00} instead of what materialized to a {$4400.00} gap. 

In my opinion, the loan estimate mistake ( rate change without authorization ) was covered up by throwing credits at our loan only to get us to accept moving forward, and then pulling those credits out just when we needed to sign & close on the home. It felt like a bait & switch to me, which I read was illegal so I wanted to make this complaint in case other customers are also dealing with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
XXXX/XXXX XXXX**** Balance : {$0.00} EOS CCA ( Original Creditor : XXXX XXXX ) XXXX**** Balance : {$920.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: CA

Complaint narrative:
Please see the letter below that was sent to the company regarding the unauthorized credit inquiry : XX/XX/2021 Capital One XXXX XXXX  XXXX XXXX XXXX XXXX, Utah XXXX It has been brought to my attention that Capital One has made two inquiries regarding my credit history ( XX/XX/XXXX, XX/XX/XXXX. ) I did not authorize a credit check and am concerned as to why my credit report would be of interest to Capital One. I have no business dealings or pending applications with Capital One and believe there could potentially be some type of fraudulent activity taking place. Please investigate and advise as your inquiries negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XX/XX/2019 I had stereo equipment installed at XXXX XXXX in XXXX, TX using a predatorial loan program they were promoting provided by ACIMA CREDIT. My issue is with the business practices of ACIMA and is meant in no way to accuse XXXX XXXX of any wrongdoing. After a while, I didn't think it was loud enough so I went back to the same place and returned all of the equipment and had better equipment installed. I didn't get any of the equipment back that was initially installed returned to me because that was supposed to be considered a trade-in towards the better equipment. The equipment was switched out on XX/XX/2019. Instead of using the equipment to reduce the cost of the better equipment, they opened a new loan and charged me full price, leaving me still liable for both sets of equipment. I disputed the accounts on my credit report for this exact reason and they just updated my past due amount in order to act like they actually made a change and avoid addressing the actual problem. 

Full disclosure : I haven't completed paying for the second set of equipment either. It was stolen within 24 hours of being installed and I immediately called them to ask if we could work something out so that I could just pay for the equipment but waive all of the interest because I wasn't going to pay the INSANE amount of interest they were charging while I no longer had the equipment. They refused to work anything out with me, so after being shafted with the first account, I just quit paying on both accounts and used the money to replace my stolen equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Capital One Bank absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WFDS XXXX**** Balance Owed : {$8000.00} XXXX  XXXX**** Balance Owed : {$270.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WFDS XXXX Balance Owed : {$8000.00} This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the account that was obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Comenity Bank/ XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation