vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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:
I don't know what happened. 
I was doing smoothly with this company for more than a year. my account is already verified. 
But today I was shocked because they limited my account. 
I can't withdraw my money and I cant receive payments. 
I still have money in my account that I can't withdraw. 
They did not send me a notification either what is happening to my account to give me an option to resolve it if it has a problem. 
My account has still {$1700.00} USD, I was so disappointed with this. 

My email linked in PayPal is ( XXXX ). 

Please help me to resolve with this. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Applied for a refi on an existing NewRez mortgage on XX/XX/2020. Loan number XXXX. XXXX. No cash out. Rental property. NewRez has the existing mortgage. Paid for appraisal up front. Appraisal done in XX/XX/2020. All documents provided to NewRez as requested in timely manner. " Conditional approval '' many months ago. Credit scores near 800. All additional documents provided in timely manner. Appraisal at XXXX, so 38 % LTV. Appraisal expired as no action by NewRez. They had to request recertification of value. That is in. Have had to make several complaints with their customer service to get any response. Last request New Rez made for was verification from primary lender on primary home that payments current. They have 6 months of my bank statements showing this. They keep requesting more bank statements as the original 3-4 months they requested apparently got too old. No end in sight, no close date, little to no communication. Interest rates are now up and I can't go elsewhere and get the same rate after they have wasted all this time and tied up my credit for 6 MONTHS awaiting a close on this tiny mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
XXXX hacker was attempting to steal my funds from Coinbase and Coinbase Pro and I lost access because they changed my password and I asked them to freeze accounts. They confirmed that they froze accounts but now they will not let me recover access. They ask me to open a new account but when I try I get a letter back that I am not allowed and that my account is deleted. 


I filed complaints with them, the XXXX, the SEC and have heard nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I opened a mortgage with Loan Depot and paid an initial escrow for taxes of {$3000.00} and this was to be placed in an Escrow for a payment in XX/XX/XXXX. I started paying {$520.00} to Loan Depot in XX/XX/XXXX for an Escrow each month and they paid the taxes on XX/XX/XXXX in the amount of {$5200.00}. They never posted the initial deposit of {$3000.00} and so they stated by Escrow in the negative. Informing me of this in XX/XX/XXXX ( when prior screens showed it applied ). 

I initiated this as a concern and now being asked to pay {$960.00} per month to catch up and 60-days later I am still get that this requires significant research. 

In the closing documents ( attached ), you will see there is a left and right side. On the left side shows the collection of the escrow for the one month before a payment happens and on the the right side you will the amount I paid in full for taxes for the first year less the credits to the sellers. Where did this money go?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute with TransUnion requesting that inaccurate information be removed from my credit report. It has been beyond 30 days and they have not returned any results or corrected the issues. 

1. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
2. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
3. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
4. XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
5. BANK XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
6. XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report. 
7. XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
In XX/XX/2020, I came across a citi bank add promotion where if I opened a checking/savings account and deposited XXXX for a minimum of 60 days, I was going to get a {$700.00} bonus at the end of the 60 days. I did everything and even contacted citi customer service via the online chat service and spoke with an agent to confirm that my account was set for the promotion and everything was fine. The agent confirmed and told me to go ahead and deposited the money, which I did. 60 days later, I contacted the citi customer service again to make sure the promotion requirements were met and I could withdraw the money. I was told again by another agent that everything looked great and to go ahead and withdraw the money. I was told I should be receiving the bonus within 90 days by XX/XX/XXXX. I waited until XX/XX/XXXX and I never received anything. I contacted the customer service and was told all that needed was to filled out a dispute and I will get my bonus since they will just need to enter it manually. I was surprised to receive a letter in the mail saying my request has been denied and I will not receive any bonus. I'm really upset about the fact that Citibank used a false ad to get me to open an account and now doesn't want to pay. I have attached a pdf document showing the screenshot of my conversation with the citibank customer service.

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 2021-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XX/XX/2021 I have previously filed a complaint regarding this company. They are in receipt of my refund from The XXXX County Tax Assessors Office due to the fact that the company overcharged me for ESCROW. This has been a back and forth situation since XX/XX/2021 with this company. I spoke with a Supervisor XXXX XXXX, She hung up the telephone on me and did not call back. They continue giving various excuses for not issuing my refund in an expedient manner. I am requesting assistance with this matter.

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 2021-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Franklin Collection Service, Inc.
State: AZ

Complaint narrative:
I was sent a letter with a fake case number and logos impersonating a government agency. I have never been a customer or done business with Franklin services. This is illegal and a violation of multiple fdcpa laws including attempting to impersonate a government agency using former President Franklin face as a seal. The letter states I have a open case aswell as a case work and I need to contact my attorney regarding potential remedies and to discuss my defense. " XXXX # XXXX '' amount they are attempting to extort is {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: NV

Complaint narrative:
My account got paid in full and because of COVID I was initially having a hard time. Every time I would call BMW they would tell me not to worry nothing will get reported to my credit bureau. I always checked with different representatives regarding this issue. After I paid my entire balance off BMW decided to report to CRA that I was late. This is misleading information and this should have never been reported to the bureau because I have always been on time. As of XXXX it is reporting 90 days past due. I paid the balance off spoke to representative and they advised not to worry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
Owner XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX Washington, DC XXXX Contact XXXX XXXX Account number XXXX PHH Mortgage Services XXXX. XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir, contacting you to discuss my mortgage and the serious issues I am having with my mortgage. I am in pre-foreclosure. I am 1990 days behind in my mortgage payment. 
My XXXXirst mortgage company XXXX XXXX  XXXX XXXX, which was closed by the Government for mortgage fraud case. This started with my hardship of my husband passing away, than I lost my 23 year job. I experienced 2 great lost. With losing an income and my job I reached out to Housing counseling who set me up with a pro-bono attorney. This attorney was horrible, I told him this mortgage is a fraud account he agreed and stated he would point that fact out in court he did not say a word to the judge. 

This account continues to be under review, when I spoke to my customer account manager on XX/XX/2021 he states that they are waiting for XXXX XXXX who is the owner of the loan, XXXX XXXX has not sent the required approval for the loan to be modified. When contacting XXXX XXXX they state they " don't own the loan '' I have sent in all requested documents, i.e. tax years, bank statements, 3 pay studs, also my son 's document also. I have a full and part time job and social security. 
I am overwhelmed with this on-going merry-go-round. Please know this is very serious and I am taking it as so. 

Please assist me in this 1900 day of turmoil. 

A true and sincere thank you for your attention is this very serious matter. 
Sincerely, XXXX 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 2021-05-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Apparently Synchrony Bank is now handling Paypal Credit, a company whose services I have used without a problem for years until recently. They seem to think I joined this year, when in fact I've used Paypal Credit for a number of years now. 
When I try to pay the bill for the account and go to the Paypal Credit website, strangely I can not find any account information, like how much I owe or when it is due much less how to pay at all! There is simply no link, though they claim by going to " wallet '' that I can do just that. I find nothing useful at all. I have used credit cards and paid bills for decades and this is the very worst I have ever seen. 
I have looked and searched and found no useful information and can not imagine why a company like this would create such a useless website with no provision to pay a bill. Of course when I try to call, the automatic recording informs me that " wait times may be longer than usual due to greater than usual call volumes ''. Perhaps they need to hire someone to answer the phone. This is not my problem and I have lost any patience I ever had with a bank that essentially is dysfunctional to the max! 
In good faith I have tried countless times, I have called and spoken to someone who told me to do what I just described, which does not work. Beyond that, just how intuitive is a link saying " wallet '' in terms of " pay your bill '' Does not work for me and even if I try, it still does not work because there is no provision for providing me an amount due, a due date or any other provisions normally found on a credit card statement.

Furthermore, for all my good will ( which is now expired ) attempts to deal with this of course there are, as far as they're concerned, going to be late fees, which I refuse to be responsible for due to their negligence in providing an appropriate means to pay the damned bill.

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 2021-05-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been trying for years to get an explanation of how the original loan with a principal amount of approximately XXXX XXXX was REHABILITATED into a principal amount of almost XXXX XXXX dollars. And how there can be such an excessive collection amount of almost XXXX XXXX dollars! All I ever receive are the ledgers with no explanation of what Rehabilitated constitutes. 

Furthermore, there appears to be a loan on the account that I never borrowed for {$19000.00}. I was also on a XXXX  Scholarship as my dad was an XXXX XXXX XXXX  in XXXX. 

After not getting a complete explanation from the lenders, the case was turned over to a collection agency, Pioneer, which also has been unresponsive to my communication. I hired an attorney and he has also been unable to get the requested information. Causing me to incur legal fees. 

Furthermore, they have violated the fair billing act and held the position that I had to pay the fraudulent amount without a complete explanation or suffer the complete suppression of my credit score. 

Lastly, for over a decade I was unable to purchase a house or get a credit card. Accordingly, I should be compensated for my loss of opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My identity was been stolen, I have contacted TransUnion regrading this issue a ton of times and they refuse to help me. I have mailed paperwork after paperwork and they have done nothing for me. I need some help

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 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: GA

Complaint narrative:
XX/XX/2020 my property had a sewer flood. I reported an insurance claim for collection on homeowners policy. The insurer issued payment for repairs to be made to property from my homeowners policy in the amount {$62000.00}. The Mortgage company SNService was informed the Contractor hired for repairs estimate was signifacantly higher at {$73000.00}. The insurance company did not cover the repairs to be made by the c ontractor that was hired due the insurance company failure to provide the additional {$10000.00} that was not enough to hire my preferred contractor. As the property owner I was responsible to provide due diligence and make repairs. I used personal funds to finance the mitigation while waiting for the mortgage company to reimburse me for personal funds to be dispersed by the mortgage company that had received {$62000.00}. SNService Mortgage denies disbursement for payments for mitigation and repairs that were completed. To obtain disbursement I submitted receipts, pictures for before and after mitigation along with reports from the structual engineers, and even allowed a home inspection to provide evidence I had indeed spent substantial funds for mitigation and home repairs. The mortgage still denies disbursement of the insurance funds provided to them to be disbursed for the purpose of mitigation and repairs to my property. When I demanded the funds be made available to me and even to me and the contractor I was denied. The mortgage company tells me that they will have their legal department contact me, which has never happened. This has been going on for months and delays my repairs to the property. The mortgage company provides no reason, and has NO LEGAL reason to refuse to reimburse me for the funds needed for the property. SNService mortgage only continously denies my funds they hold from my insurance claim which they were provided for repairs to be made which they deny providing for those repairs. I can not repair my property which will go into foreclosure due to the illegal withholding for these funds which I was to access and repair the property. I am XXXX and this is my primary only property, foreclosure will make me homeless. Snservice is forcin the situation into a foreclosure by denial for disbursement for the repairs needed and to prevent immenent forced foreclosure. They are illegally with holding my funds, I need assistance.

Company response to consumer: Closed with explanation