vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Email address associated with my PayPal account is XXXX My name is XXXX XXXX and I will attach my ID here too I will attach the error message i got when I tried to access my account too. 

Whenever I want to log in it says " We are sorry, something went wrong on our end '' I have tried for months without success and whenever I tried to reset my password, it will send a code to my phone number which is XXXX but when I put the code correctly it will say " Something Went Wrong on our end '' This has repeated for months and I am not able to access my PayPal account with over {$2000.00} I contacted a customer service representative on XXXX known as XXXX and the response I got didn't help any issue as he was very rude. 

I need PayPal to resolve this and also to allow me to add my bank or card to my PayPal account so as to withdraw my funds.

I need to be able to log into my PayPal account so as to see my balance because I believe PayPal might have taken it to themselves as I have read thousands of other complaints from other PayPal users how PayPal take people 's funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: TX

Complaint narrative:
XX/XX/2018 {$4400.00} XXXX XXXX. Original Creditor XXXX XXXX XXXX. I gave 60 days notice that I wasn't renewing my lease. They stated they had to repair and clean stuff. The repairs should have been fixed when work orders were submitted. Exterminator said my apt was the cleanest one he serviced in whole complex. My deposit should've been returned. They just treat me like I'm lying about it. Other places can't believe the amount they fabricated.

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I place a credit freeze with the three credit bureaus and just did a release of credit only with Experian Credit I noticed that there are credit inquires that supposed be soft inquires that are reporting instead they are reporting hard and with they still place a hard inquiries.

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 2021-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
Hello, I have a loan with Caliber Homes and they force me to escrow the money for taxes and insurance. In years past they mailed a payment for the taxes in early XXXX. this year they had not mailed a payment towards the end of XXXX. I reached out to them to find out why they had not mailed out a payment to pay the 1st half of the taxes. Their response was that the taxes had been paid ( in XXXX of 2020 ) and were up to date. Funny thing is I then check back after I made the inquiry they mailed a check, which made it impossible for the county to process it by the deadline. They also assured me that the taxes will be paid on time. Well going on to the county 's web site I see that they have not still been paid, or now late and interest is accruing. I have tried to contact them multiple times and constantly get the run around and a non-answer answer from them or a delay in response that it will take a week to get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: NC

Complaint narrative:
I had the issue resolved and XXXX XXXX from XXXX XXXX XXXX investigated and removed the negative marks on my credit and I have letter confirming and it was removed. Now I see this month it is back negative on my credit reports.

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 2021-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am a member of USAA since XXXX and have checking accounts with them, and where I receive my direct deposit from my employer. 
On XX/XX/2021, I made a transfer through the USAA app from my XXXX checking account in the amount of {$13.00} and my funds which usually are available immediately were put on hold until XX/XX/2021. Those funds have been debited from my XXXX account since XX/XX/2021, but I am still unable to access it because the funds are still on hold with USAA. Today I made a check mobile deposit in the amount of {$25.00} and again, the system placed a hold until XX/XX/2021. I contacted USAA to cancel that deposit, since it was done through the mobile app and the system was putting a long hold without warning me about the holding time to allow me to cancel the deposit and was on on the phone from XXXX PT until XXXX PT. I spoke with a representative who kept me on the call for a long time and then finally transferred me to a senior representative named XXXX, who refused to remove the hold on my {$25.00} deposit. I explained to him that the system did not inform me of such a long hold time prior to complete my transaction, and still he said its USAA policy to keep long holds on deposits. Since I have been a member for almost 30 years, I knew XXXX was not giving me the correct information, since small deposits becomes immediate availability, so I contacted USAA again, and spoke to another representative named XXXX, and then was transferred to a representative named XXXX, who said that earlier her colleague XXXX had refused to remove the hold and placed a note on my account at XXXX CT. She used refused when referring to the notes placed by XXXX earlier XXXX I told XXXX that I called to get to the bottom of this problem that has been occurring with my deposits and transfers and the extended holds, as I feel I am being discriminated by the bank and asked why all my deposit transactions have been put on long holds on the past few weeks, but she didnt have an answer for me and again, just didnt give me an explanation or offered me a resolution on this issue. I am attaching copies of my transactions with USAA, copy of my XXXX list of transactions showing funds paid to USAA on XX/XX/2021 and copy of check deposited today for review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I had a lease agreement with Ally Financial. The lease end was XX/XX/XXXX. I made the final two payments towards the loan in XXXX. One on XX/XX/XXXX in the amount of {$310.00} for the month of XX/XX/XXXX and the second on XX/XX/XXXX in the amount of {$300.00}, which was the remaining amount due on the loan. I needed a letter from Ally to XXXX XXXX, who I was initiating a new lease with, that the account had been paid in full as a remaining balance of {$300.00} was showing on my credit report. When I called Ally for the letter I was told there was a remaining balance owed for property taxes and they could not send a letter that the account is paid in full until those charges had been paid. I paid the balance in full over the phone via XXXX XXXX Wire Transfer on XX/XX/XXXX in the amount of {$1300.00}. I was told my account was now fully paid and closed and they in turn faxed a letter to XXXX stating that there was no remaining balance due on my account. Two months later I received a bill from Ally saying I owed {$550.00} in property taxes and {$790.00} in extension fees. The extension fees were due to XXXX not returning the vehicle on time and they worked with Ally to remove those charges. I disputed the {$550.00} property taxes, requesting documentation of validity of charges and was never sent any supporting documentation for these charges. I refused to pay as these charges were not valid. I called Ally several times trying to reconcile this issue, but they never sent me anything to support the property taxes and only sent bills monthly while simultaneously reporting this negative information to the 3 credit bureaus. It has been almost 4 years now and I recently disputed with the credit bureaus and Ally continues to say I owe this and now has reported a recent missed payment and past due balance of {$550.00} as of XX/XX/XXXX. This has very negatively impacted my credit score and I am extremely upset. It is not right that I should have to " pay off '' Ally an amount that is not valid in order to get this resolved. In disputing with the credit bureaus I feel they automatically take the creditor 's word over the borrowers and that is not right. I would like for this charge and the negative history reported with it since XXXX removed from my credit report but do not know what else to do at this point. 
Thank you in advance, XXXX XXXX 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 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX I sold a XXXX XXXX XXXX to XXXX XXXX XXXX He paid me using cashapp in the amount of {$650.00}. XXXX XX/XX/XXXX XXXX XXXX used a chargeback on me for the amount {$650.00}. Cashapp allowed this person to get his money back and Cashapp took the money out of my Bank. This is clearing fraud by XXXX XXXX because I sold him the XXXX XXXX XXXX. This transaction was done at a police station which has video proof that was a legit transaction. The only information I got from cashapp is they do not deal in chargebacks. I clearly did not wrong and cashapp is aiding XXXX XXXX in commiting Fraud by giving him his money back and keep the product I sold him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Went to XXXX for XXXX XXXXXXXX in the institution had all the paperwork in XXXX. I told him I do not read XXXX and I let them know I want to cancel the procedure. I put down {$1000.00} deposit I did do labs that day and I agreed to pay {$250.00} for the labs and navy federal refund of me {$750.00} Now the institution is saying I owe them {$750.00} and navy federal wants to take it out of my account, Without any proof they didnt ask me for any proof they just taking it out of my account. I recently found out that this institution is known for fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: DISCOVER BANK
State: WA

Complaint narrative:
I applied for a secured Discover Credit card and was approved. On XX/XX/20, {$300.00} was taken out of my credit union as a security deposit for this new card. Before I received the card, Discover canceled the card and kept my {$300.00}. I have written several times to Discover and have never received any response nor return of my {$300.00} security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: LA

Complaint narrative:
I am a victim of identity theft someone has fraud accounts in my name. I do not know if i was involved in a data breach were my personal info was compromised.

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 2021-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: SC

Complaint narrative:
We had a home equity loan with Discover Home Equity Loans. We sold the house and had a closing set for XX/XX/XXXX. The closing attorney pushed the closing to XX/XX/XXXX and the final payoff was submitted by the closing attorney. We completed closing and thought all was well. I received a call on XX/XX/XXXX from Discover Home Equity saying that we were late on payment and that they had not received a monthly payment since XXXX. After 3 hours on the phone with them and being switched around to many people, we learned that they received our final payoff from the closing attorney on XX/XX/XXXX. They said it had a {$120.00} shortage. They stated that a letter was sent to us on XX/XX/XXXX and that the letter was NOT sent certified. As of XX/XX/XXXX, we have not received this letter. They also stated that they called every day. We had no knowledge of their calls or received any messages from them until the call received on XX/XX/XXXX. They returned the entire payoff amount back to the closing attorney on XX/XX/XXXX which the closing attorney received on XX/XX/XXXX. Throughout all of this they started to hit our credit reports with late payments for our loan. The closing attorney re-sent the final payment with an updated amount and Discover received that payment on XX/XX/XXXX. As of XX/XX/XXXX the loan has been paid in full. However, there was no communication that any of this was happening, we never knew that there was a shortage on the original payoff, we have no idea why they sent the entire wire back which took multiple days, the closing attorney had no knowledge anything was amiss until they randomly received the money back on XX/XX/XXXX from the XX/XX/XXXX closing date. We are trying to get a mortgage and are not able to because of the late payments Discover Home Equity listed on our credit report from the closing situation. We have explained the situation and have even asked them to do a goodwill removal of the late payments. We had excellent payment history until the closing of the house. This is hurting us tremendously and we do not know how to correct something that was completely out of our hands. Discover has sent us a check for an overpayment on XX/XX/XXXX that was more than the original shortage that started all of this. We have not received any communication from Discover that the loan has been paid in full. I was only made aware of that by looking at my account online. Our credit reports are still showing the loan as open and with the payoff balance being owed. Also, I am not able to see any of the activity that took place in XXXX with the payoff being sent, a shortage and the full payoff sent back on my account online. Ive attached what I am able to see in my online account and have attached documents from our closing showing that closing was on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2020, I purchased a service with a marketing agency called XXXX  XXXX XXXX. During my consultation call, I was told the services could get me 2-5 appointments. I needed 2 appointments to trigger my insurance salesperson contract. The gentleman XXXX was told my situation and that I didn't have the XXXX asked for. I was told that XXXX could give me a discount for XXXX if I signed up on that call. I only had barely the amount. I was nervous but XXXX let me know he had used the service for his insurance career and if it didn't work, I could get my money back within 30 days. I sent an email letting the company know it did not work and requested a refund. I was told that I could not get the refund promised and I was within the 30 days and had followed all of the steps advised by the company. I did not get any appointments. 

I disputed with USAA and have called pretty much everyday or sent a chat. Many of USAA 's agents saw but USAA still sided with the merchant. The merchant sent in a false invoice without a signature or my name or information and lied in the statement sent. My email proves my statements. 

I have attempted to let USAA know this almost daily and they are telling me to contact the merchant which is why I contacted USAA to dispute. The merchant ignores me and has not responded. 

Also, the merchant showcases a money back guarantee on his website, blog and XXXX channel. 

Yet, USAA still does not refund my money. I also sent in all of the documents to show the information. 

I am asking for help and a refund as an over drafted account affects me and I am telling the truth. I also do not have XXXX to waste especially at a time during a crisis. I was trying to keep my job. I lost my job because I did not trigger. 

I can provide all of the documents provided to USAA and all forms of communications, including what the merchant sent in which was false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I had the issue resolved and XXXX XXXX from TD Auto Finance investigated and removed the negative marks on my credit and I have letter confirming and it was removed. Now I see this month it is back negative on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
I have contacted google multiple times and told them that I don't remember applying for different recurring accounts with them. I also believe that a family member has used my info to get recurring accounts and I didn't realize this until charges from different recurring companies started posting to my credit/debit accounts. I have reached out to google to ask them to stop charging me and I told them these are not charges that I recognize but they are not corresponding back to me. I also believe that the charges were fraud on my XXXX and I changed my XXXX password.

Company response to consumer: Closed with explanation