vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
I deposited funds into my account with Robinhood ( RH ) to purchase stocks. Due to my oversight I selected the incorrect checking account which resulted in 3 rejected transactions. I admit this is my fault and have since remediated the Deficit of what was provided up front to me as an instant deposit of {$1000.00} when I deposited that amount after realizing I used the wrong account. My account was locked from being able to purchase more stocks which also is fine. With the instant deposit money provided to me I made over {$700.00} from my investments. I deposited {$1000.00} from the correct account days after noticing my error. Now that I have rectified my deficit and no longer want to trade on the RH platform, I am attempting to withdraw my money. RH claims I now have account restrictions that prevent me from withdrawing my money. I can not withdraw funds that have gone through a regulatory clearing house process and RH is denying me the earned investment accrual from the {$1000.00} instant deposit. I am being denied access to money I provided to RH for trade in addition to money earned. Additionally I have reached out to RH via their contact us process and have not received any correspondence or outreach from an actual service representative to resolve the situation. I have only received canned responses with a claim number via email each time i go through the contact us process. On social media I provided my claim number and have not received a contact from anyone. To be in a pandemic and have a company prevent access to money that is free and clear is down right criminal. It is very transparent in the light of recent events that Robinhood and its leadership do not have the financial capital or technology support in place to support their model and platform.

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 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX, XXXX, XXXX  any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is in regards to my complaint sent on XX/XX/2021 on PayPal. Not only has an unauthorized charge on my account by someone in XXXX ( I've never been to, nor do I know anyone in XXXX mind you ) been allowed by PayPal, they have retaliated by limiting my account usage. I have tried twice to dispute the UNAUTHORIZED charge but they have denied me both times. I will attach screenshots. Now, to my knowledge this is the CFPB 's main function- keeping big bad consumers from violating the rights of consumers. 

Paypal states ( on the screenshot ) that the limitations are a result of questionable activity on my account. If they had used some common sense and put limitations on the transaction going to XXXX, we would not be involved in this dispute right now. Additionally, why would a transaction to XXXX not be considered questionable? There are no transactions to XXXX or anywhere else internationally on my account EVER! As one can easily see, this is willful malice on Paypal 's part. 

I am counting on the CFPB to con duct a thorough research into this as this is not the first time Paypal has acted with malice to me. The only reason I still do business with them is because there's a client or two who comes along that I am unable to convince to use another form of payment ( due to Paypal 's protection program ). And on that note why does the protection program not apply to me? 

Is it because Paypal does not count this as unauthorized transaction? An unauthorized dispute means that an account has been hacked and used without their consent. My account was hacked by an individual in XXXX and the individual used my account without my consent. Why is it that my funds are not being restored to me? Maybe it's retaliation. Maybe it's discrimination. Maybe it's laziness. Whatever it is, it is also a violation of my rights as again this charge is not authoirized by the account owner, who is myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: NY

Complaint narrative:
i am having a situation with identity theft on my file. i have sent in my police report on several ocassions to experian but i believe due to the corona virus mail has gotten lost or staff is to short to process. i am attaching my police report and i am including a list of the fraud accounts that need to be removed from my file XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance for any help you can provide in bringing this matter to a resolution. 

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 2021-02-21 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
I purchased {$30.00} worth of Childrens clothes with my Childrens Place/Comenity credit card. I made the payment with Comenity, paying off the card. I was unaware that they payment was not completed due to having old banking information store to pay the bill. I was not sent any type of notification even though, I had enrolled in paper statements. A {$30.00} late fee was attached and I noticed that the payment had not gone through my bank and was unaware of why the original payment did not go through, so I tried again to pay the bill ( not knowing that the bank account used to make the payment was a closed bank account stored within Comenity ( account closed due to a recent divorce ). This time, I checked to see if paper statements were turned on and they were still off, so again, I made the change to paper statements. Once again the payment did not go through and I was not notified by paper so another late payment of {$30.00} was applied. Making my total balance {$90.00}. This time, I called customer service and asked them what was going on with my payments, they relayed the information that the bank account info was not correct, therefore not going through, so I was able to get assistance in changing the banking info so that the payment could be pulled from the correct account. I also received assistance changing the statement to paper statements since they still showed electronic. If paper statements had been sent to my house, like I had originally requested, then I would of received the notices/statements and this whole mishap would have been avoided and payments would be reached on time and pulled from the correct bank account. I explained the reason that I need paper statements is because I am XXXX XXXX military, working in the field and when statements are sent, my roommate or mom can notify me of my mail and bills that need to be paid. Since being in the field many times, I don't have access to a computer to check accounts so the papers statements allow my mom, to make the payment for me when I am in the field. Because of this, my credit score dropped 70 points and it went from Excellent credit to Good. I disputed the incident with XXXX  and they corrected the late error and my score increased. When I disputed the incident with XXXX, my lowered score stayed the same. When I called Comenity about the issue, they said that there was nothing they could do to assist, that they don't have any way of changing late payment information that is reported to the credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
My father passed away XX/XX/XXXX, I have been trying since XX/XX/XXXX to transfer his mortgage account to my name. Ive been told I would receive emails with paperwork needed to be filled out twice ( never received ) and sent information the said they require three times with no confirmation the paperwork was received. 
Was told I could still make a payment, attempted to make a payment of {$2900.00}, was never taken from my account and refused to give me an explanation why payment was not accepted.

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 2021-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital LLC added a collection on my credit reports without my knowledge and in doing so on XX/XX/2021. This collection violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that Jefferson Capitol verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I sent money via the MoneyGram app to another country and i got a confirmation email stating that the money was sent. But 1hour later i got an email saying it was canceled but its already 3 days and my refund is still not available!!! They took the money out real quick but they couldnt give it back quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority
State: CT

Complaint narrative:
My name is XXXX XXXX. This loan is in my name and my daughter XXXX. For starters this loan was to refinance a previous student student loan that was through XXXX XXXX, XXXX XXXX had while attending college. We started this new loan process in the fall of XXXX. On XX/XX/XXXX we were approved for XXXX. That check was mailed out to the previous lender on XX/XX/XXXX. This new lender was KHEAA/KHESLC. The loan agreement, percentage rate was fixed at 4.34 %. We were told that if we did auto transfer the rate would be 3.70 %. Recently I was going through paperwork that we receive from KHESLC and while carefully reading the fine print noticed the loan was now 5.03 %. I contacted KHEAA and spoke with a representative that helped us back in XXXX, XXXX XXXX, and ask him what had happened. He said he remembered me because there had been a mix up in the amount that we were to borrow and agreed with what I was saying about the loan agreement. He then said he would investigate this and get back to me. On Friday XX/XX/XXXX he contacted me and told me that, according to upper management, the interest percentage rate had changed to 5.30 % and that they sent us paperwork that confirmed that and that XXXX and I signed off on it .I was never made aware of any interest change. I have every piece of paperwork from them regarding this loan and told him I had no such paperwork. He said he would email me the material, which he did. After close review on my part these signatures, which are just initials, are not mine. XXXX 's signature does not even appear on this paperwork and although it does not say on this paperwork, signatures invalid, for some reason on my computer it is printed signatures invalid. I would have never agreed to 5.30 %. I expressed my frustration with XXXX and he understood where I was coming from but said there was nothing he could do. There is definitely something going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: DC

Complaint narrative:
To reduce our monthly mortgage and possibly access an equity line of credit advertised by our servicer 's lender affiliate, XXXX, I started the process of cancellation of PMI by contacting the mortgage service, LoanCare, and asking they send me instructions in XX/XX/XXXX. Having not heard anything, I called LoanCare on XX/XX/XXXX and they emailed me an electronic copy of a letter dated XX/XX/XXXX ( which I never received in the mail. ) Following the instructions in the letter on how to cancel PMI, I sent a check to LoanCare to pay for the needed appraisal of my home in the amount of {$520.00}. My bank statement shows that LoanCare cashed the check ( XXXX XXXX, Check # XXXX XXXX on XX/XX/XXXX. Having not heard from LoanCare since XXXX, I tried to get a status update earlier this month. I called multiple times, and spent several hours, calling on XX/XX/XXXX and XX/XX/XXXX, the toll-free number ( XXXX ) printed on the XXXX letter. The toll-free number continuously looped through a series of pre-recorded prompts and account information, like my last mortgage payment amount and my next payment due date, none of which had anything to do with cancellation of PMI. There was no PMI option. When I followed the prompts for options like refinancing or filing insurance claims, knowing they were not relevant but wanting to at least hear the voice of a live person on the phone who could help me, these XXXX live operators ( including XXXX in refinancing and XXXX in Claims ) " transferred '' me back to the servicer, LoanCare, or gave me other toll-free numbers for LoanCare ( including XXXX and XXXX ). The transfers and trying additional toll-free numbers sent me through the same continuous loops of pre-recorded prompts and account information with no options for PMI. After several frustrating hours, I gave up trying to get a status update on my PMI cancellation request.

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 2021-02-21 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:
On my current credit report, it is stating that owe XXXX on a XXXX balance with XXXX. This was with a previous collection agency with whom I settled this debt for XXXX dollars on XX/XX/17. I received email confirmation that this debt has been settled with XXXX for XXXX and that no further collections will be pressured unless perhaps I decide to rejoin services with XXXX  which i have not. I do not understand why I am still being gone after for the remaining balance. I have the bank statement of the XXXX being taken out by the collection agency and the email confirmation proving debt was paid. I dont understand why there is a collection for the remaining balance. I have proof and I want this off my record.

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 2021-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: MD

Complaint narrative:
I had attended XXXX college ; through XXXX. XXXX closedIn the summer of XXXX by giving me false information that I need to take out a loan for the school so I did that with sallie mae. my student loan was for XXXX and now all the way up to XXXX during the fall of XXXX and was I was supposed to graduate from XXXX University I had suffer a almost life ending injury in which I was not able to return to school. Because of my injury, sallie mae in which I try to explain my situation took it as we graduating from XXXX even though I was trying to explain I couldnt go back to finish my degree because ( Im at XXXX XXXX ) my degree wouldnt let me finish because of my injury. So one I believe I had to take a loan out for no reason because XXXX had lied to me and to sallie mae charge me almost XXXX grand and its only been four years going on five with the loan being taken out and Ive actually only graduated two years ago because I had to wait a whole year to go back to school so Im trying to see what my options are here and if I can get help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I set up automatic payments and Wells Fargo continued to remove the automatic payments without my consent. This caused payments to become late until Wells Fargo decided to close account. They accepted payment for the balance despite letting me know that the account was closed. The amount was then returned back to me and sent to collections. I received a customer remediation check recently and feel that this is due to accounts being open/closed on my behalf without my consent.

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 2021-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have requested the files and paperwork used to verify this debt two times directly from the company and credit bureaus XXXX and XXXX. No verification has been provided neither times, it just keep being updated with no explanation, no proof. I don't have any knowledge of this debt or visit to this medical provider. I have medicaid thru the state so all my medical expenses are covered I just want the debtor provide id used upon visit, patient visit reason, date time and any paperwork used cause I just wan na protect myself from identity theft I have not been to any hospitals in the past 2 years. I just want verification so I can proceed with a police report as I have a history of identity theft incidents.

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 2021-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Spoke with customer service yesterday, XX/XX/XXXX, and was told the amount of {$550.00} incorrectly debited from my account while it was frozen due to fraud would be returned on Wednesday to accurately reflect my true account value, XX/XX/XXXX after the system updated. 4 line items were nondescriptly posted to my account as Paid Item listed under the category Other : XX/XX/XXXX {$7.00} {$13.00} XX/XX/XXXX {$10.00} {$520.00} The only individuals who had access to my account at that time to enact debits were Suntrust Bank employees, as the accounts debit ability was disabled as well as online access. Suntrust Bank continues to delay use and possession of my personal property citing internal processes for the fraud and systems for the erroneous debits : an ostensible, rather than veracious reality due to severity, frequency, and consistency. 

Due to this instance, I will submit the requested amended complaint to reflect recent findings, remove XXXXXXXX XXXX from any culpability due to Identity Theft compliance, and add Suntrust Bank due to proven theft. The selected jury in case number XXXX with judge XXXX XXXX XXXX presiding will oversee the proceedings to determine if Suntrust Bank remains an ongoing concern or is demanded to divest, terminate, and dissolve.

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