vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
In XX/XX/XXXX, I received a letter from XXXX attempting to collect a debt for PayPal. As I do not have any outstanding debts with PayPal, I sent a letter requesting validation. In return, I received a letter from PayPal stating that I opened an account under email address XXXX on XX/XX/XXXX. This is not nor has it ever been my email address. PayPal refuses to speak with me directly regarding this false debt because I " am not the owner '' since I can't log into the PayPal account. I can not do that, because I don't have access to an email address that isn't mine. I refuse to pay something that I legitimately do not owe and for them to contract a collection agency to add to my credit profile is damaging, to say the least. I'm not sure how this account was created and if it was whether it was created with my name ONLY, or with my SSN or bank information. I do not understand how I can be held liable for debts that I. Again, I can not obtain ANY of this information from PayPal even though this is supposedly my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I logged into my account with NewRez to make my monthly payment. Upon doing so I noticed my Escrow Account had a negative balance which was very unusual since my Home Owners Insurance or Property Tax Bill had not been disbursed. 

I noticed {$6500.00} has been deducted for " Insurance Premium Disbursement '' I called and was told this was a one time PMI charge and I asked for an explanation and was never provided one. No one with NewRez notified me in writing or by calling regarding I was going to be charged this. I inquired again a few weeks later in late XXXX/early XXXX and was told the same thing. I just could not understand why I was charged this amount and I was told I would receive a letter ( which I never did ). 

Over the Holidays I didn't follow up much on the issue, but started again in XXXX. I've called XXXX who could not tell me anything other than they did not bill me and I'm not the policy holder. I called Shellpoint since they are the lender and was not provided any new information as well. I have made two calls in XXXX XXXX being on XX/XX/XXXX where I was told by XXXX XXXX someone would reach out to me in 3-5 business days and no one never did. 

I understand there may have been an error in the closing process, but after talking with several realtors, lenders, etc. none have heard about the Lender putting the charge back on the borrower ; especially with no notice! My mortgage payment has increased over {$650.00} per month. This is beyond unethical for a company to be allowed to do this. 

I'm attaching my escrow statement along with a few loan documents for your reference. 

I also have done research where a charge of this magnitude would change my APR for my closing disclosure and the lender is not allowed to go over 0.125 percent and if you do the math you will see they have gone outside this range. 

I would like to be reimbursed the full amount as that is what a reputable company would do and since they provided no notice and did illegally not provide me with an updated closing disclosure. 

You will also see where they have taken 17 PMI payments of {$66.00} and refunding two for a total of 15 deductions and I've only had made 13 mortgage payments. 

I have inquired about this as well and no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America took {$1500.00} plus {$120.00} out of my savings account on XX/XX/XXXX. 
Reason said LTS Legal Svc and Legal Fees. 
I knew i had no outstanding debts. 
Called BoA XX/XX/XXXX. After several calls was told i needed to call NJ Courts to get ANY info. This started months of getting the run around. 
I was able to get a copy of the official NJ Civil Suit. IT IS NOT IN MY NAME. But the person 's address is mine. 

The letter from BoA advising me of a debit to my account clearly states another person 's name in the subject line as well. This letter was late in being received. The person named on the suit/letter formerly lived at my address. 
In summary, BoA took MY money for someone else 's debt. 
In the last few weeks i have been in contact with their XXXX customer service. They have the situation as " escalated '' at this point. They're waiting for lawyers to get back to them. I demand my money returned to me now.

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 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
On the XX/XX/XXXX I deposited XXXX into my coinbase account. They said it was not funded by my bank and took XXXX of assets out of my Coinbase wallet in return. However, XXXX XXXX DID fund the transfer and they are mistaken. I contacted XXXX for 4 weeks and they are ignoring me completely. I filed a fraud claim with wells and won. Now they are strong arming me and locked my account saying that I must pay them the XXXX I won or else they will take it from me. They are going to steal back the XXXX grand from me again! Im so upset and really need help. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I paid my XXXX statement of {$2300.00} and also paid an additional {$200.00} to the principal which brought my outstanding principal balance to {$450000.00}. On XX/XX/XXXX the servicing of my mortgage was transferred to Mr Cooper. 

Mr Cooper issued me a statement on XX/XX/XXXX showing an outstanding principle of {$450000.00} and an amount due of {$4600.00}. when I called and asked why the principle is high and the amount due is double they stated they had not received the XXXX payment I made with my old servicer. 

Understanding that it takes time for the accounts to update I made a regular XXXX payment on XX/XX/XXXX in the amount of {$2300.00} AND an additional {$250.00} towards principle. when I checked my account a few days later the XXXX payment had not posted and Mr Cooper did not apply my additional {$250.00} towards my pricinciple. When i called and asked why they said they could not move the {$250.00} towards my pricinciple because my account was past due. Trying to pay off debt and not being able to be can be frustrating. 

I then called my old servicer and asked if they had sent my XXXX payment of {$2500.00} to Mr Cooper. They said they had. They wired the money to Mr Cooper on XX/XX/XXXX. 

Seeing that was over 10 days ago I called Mr Cooper to please issue a ticket to find the money and apply it to my account so that my account is corrected and that i can apply extra payments to my principal. They then told me to go back to my old servicer and ask for the wiring information to prove that there was a XXXX payment. 

I do not feel I am making progress with Mr Cooper in getting this payment recognized and the fact that Mr Cooper will not issue a ticket to investigate this XX/XX/XXXX payment leads me with doubt that they will correct it which is why i am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2021-02-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted several ( 5 total ) factual based disputes to Equifax and provided documentation demonstrating and proving to Equifax my dispute is valid ; however, Equifax continues to report inaccurate information yet Equifax has failed to properly investigate my disputes nor have they reviewed the documentation I have provided. 

All 3 credit bureaus are reporting different payment histories, different payment dates, and inaccurate dates last active. Each time I dispute the inaccurate information, each credit bureau indicates they have verified the information. If each credit bureau is reporting different information for the same creditor ( s ) how can the information be verified? This is proof Equifax is not verifying the information or conducting an investigation I have the right to a fair and accurate credit report under the FCRA and if the creditor can not provide the credit bureaus with consistent accurate information, these items must be removed from my credit report. 

I have given the creditor and Equifax several chances to properly report the information or remove the inaccurate accounts from my credit file and the credit bureau has failed to investigate my dispute, correct, or remove the inaccurate information from my credit report. 

I submitted a CFPB complaint on XXXX against Equifax and Equifax initiated a new dispute as a result ; however, Equifax has still failed to properly investigate these disputes and the documentation provided sand still continues to report inaccurate information. 

To See Disputed Accounts, review Disputed Accounts_Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am the victim of ID Theft and LexisNexis is reporting information that does not belongs to me such as addresses, last name, first name, phone numbers and accounts such as XXXX insurance and many more. I sent LexisNexis my police report and also a FTC ID Theft report a number of times and nothing seems to be done about the problems but LexisNexis is reporting false information to XXXX XXXX  and XXXX Credit bureaus such as bankruptcies, wrong addresses, wrong work history, wrong phone numbers and wrong accounts. This the 3rd time they investigated these items with no proof these are my accounts and nothing changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
In early XXXX I tried to access my Ally bank accounts online. I received a message that there was a problem with my account and I should contact customer service. I contacted customer service and was told that my account was flagged for fraud because one of my accounts had two owners with different last names. I explained that it was a joint account with my mother and that we were the correct owners of the account ( That is how the account was opened. No changes had been made. ) The person assured me they would make sure I could access my account. 

Yesterday XX/XX/XXXX I tried to access the account again and received the same message. After 3 phone calls I was able to talk to someone who said the issue was still under investigation ( not sure why there is nothing to investigate ) and that the investigation could take up to 90 days.

I asked to speak to a supervisor and was sent to voice mail ( 2 times ). I left 2 messages and no one has called me. 

In the mean time, since this is an online only bank I can't access my funds. I can't even print my 1099-INT to do my taxes. 

Please help me get Ally to unlock access to my accounts.

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 non-monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management
State: IN

Complaint narrative:
These scam artists are attempting to collect {$150.00} they are not entitled to because the original creditor that this bill originates from was informed that all statements are involved in malpractice litigation. The reps who have contacted me about this bill are rude and blatantly racist. I also informed the agency that this bill is part of litigation and they hang up, make threats, or are aggressive. They reported it to my XXXX  report and it needs to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I made several attempts, by phone and through the website, to determine why my conventional mortgage payments would go up from {$1100.00} to {$1400.00}. This was in the fall of XXXX. I got no response. Finally, on XX/XX/2020, I sent a message through XXXX. 
In XXXX, I got a call from Freedom Mortgage and the rep didnt really have an answer, but said he would escalate the issue and I would hear from a supervisor. As of today I have heard nothing further. 
I really want my account audited to determine what is going on. A definitive answer. I am very suspicious of the situation and have consistently had issues trying to contact the company. 
The company is Freedom Mortgage, XXXX XXXX XXXX, XXXX IN XXXX. Their phone number is XXXX.

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 2021-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted several ( 5 total ) factual based disputes to TransUnion and provided documentation demonstrating and proving to TransUnion my dispute is valid ; however, TransUnion continues to report inaccurate information yet TransUnion has failed to properly investigate my disputes nor have they reviewed the documentation I have provided. 

All 3 credit bureaus are reporting different payment histories, different payment dates, and inaccurate dates last active. Each time I dispute the inaccurate information, each credit bureau indicates they have verified the information. If each credit bureau is reporting different information for the same creditor ( s ) how can the information be verified. 

I have the right to a fair and accurate credit report under the FCRA and if the creditor can not provide the credit bureaus with consistent accurate information, these items must be removed from my credit report. 

I have given the creditor and TransUnion several chances to properly report the information or remove the inaccurate accounts from my credit file and the credit bureau has failed to investigate my dispute, correct, or remove the inaccurate information from my credit report. 

See attachment " Disputed Accounts_TransUnion '' for list of accounts in dispute

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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, XXXX reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.

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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, XXXX reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, XXXX reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.

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 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/21 I requested a loan from XXXX XXXX and was approved. XXXX $ was deposited into my account. When I tried to access my account it had been like I recently got out of a messy relationship so when I tried my password several times my account was then locked previously I have been using my face recognition to open my account and it has worked for the last 7 to 8 months upon speaking with a representative at wisely on the phone I was instructed to send several documents proving who I was my account was open later the same day. I was cut a check for {$470.00} the amount of the loan I was able to cash it by luck that I had to blank check That was sent the very first day I got my card so I cashed it and the next day I got my unemployment check deposited. ( XXXX $ XXXX I called to expedite my card and was charged {$35.00} My card never got delivered so I called wisely to please give me a refund while doing so I was asked for a security freeze which I have never been asked for before I dont remember the security freeze even if I did put it. I still have access to my web application and in charge of everything passwords phone numbers emails and have all that I have given them all the documents that I can and they are still holding my money it has been three days I have yet to be an issue a refund and they will not let me access my account I have called over and over I told him that I need this money to pay my bills and they keep telling me to wait another 24 hours Ive been hung up repeatedly on by different supervisors and would like you to ask them for the records so you can see how rude they were to me I got upset a couple of times asking him if theres anyway that they can help me to get my money I told him I was willing to go to the police station to verify my account a bank anythingXX/XX/XXXX they did not offer any other solutions. I think it is funny how when I asked for a refund on there overnight delivery fail I was asked for the first time ever if I knew my security phrase for the account. I ordered the card replacement wed. And have yet to receive it here on the following Monday. And still no refund. Can you please advise these people to open my account and refund my money. Please investigate. I would call and they would tell me. I know who you are I cant help youthank you for your time and concern

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: UT

Complaint narrative:
I called them on XX/XX/2021 after i noticed a debt on my credit report of {$2000.00} i told themI am on XXXX and XXXX that they have paid well over XXXX and who is this from and how can I contat them they told me that they could not disclose this information and that they would let themknow that I was on XXXX. I researched on what they are required to tell me and one of the things it mentioned was the information of the original creidtor I called them 3 times and on all of the 3 seperate occasions they still disclosed the same information that they are not to give me the information as I am XXXX and all my other bills are paid I thought this was a fraud collection agency I did some research and it indicates they are in fact a debt collector agency althought they are they are not following the laws of not disclosing that information to me I feel that they should be reported to you as the Consumer Financial Protection Buereau.

Company response to consumer: Closed with explanation