vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been a customer with XXXX  since 2014 and use the service regularly. I recently bought a new phone and needed to re-verify my identity with the XXXX  app. The email address I originally used to set up the account is no longer active. XXXX is requiring US government issued identification, which I do not have as I am a XXXX citizen in the process of applying for a green card which has been applied for and is pending. I am currently and have always been a legal resident during my time in the US. 

Because of this alleged policy, they are unable to offer any way to verify my identity and as a result I am locked out of my account. I recently attempted to make a payment of {$2000.00} and am unable to confirm the status of that payment, or determine if XXXX  has any other funds belonging to me. I have offered to provide passport, immigration processing papers, and to visit one of there offices. 

Their customer service representative was unwilling to offer any solutions and in effect said that I would not be able to access my account or any funds therein. XXXX has explained they will be keeping my money, potentially thousands of dollars until I can produce US ID which is being processed and I have no way to know when it will be completed. There is no clear mention of this policy and I was never required to provide US identification to sign up for the service. After multiple requests for escalation, the customer service representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Telephone payment made via BMW system. The system did not post the payment at the time payment made. I discovered this error made by BMW payment system and notified BMW Bank. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error occurred at the time the payment was made. The telephone system provided by BMW Bank to consumers allowing the processing of payments is not infallible. BMW to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was trying to pull my free annual credit report from Equifax but it doesn't let me print it online because it failed me several times in verification of my identity and it's asking for a numerous requirement to mail to get it thru mail also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
Briefly describe your complaint : On XX/XX/XXXX/19 I had noticed there was {$27.00} from my XXXX account from XXXX XXXX XXXX XXXX. I then contacted them at XXXX. I asked to speak with a manager regarding a transaction that was debited from my bank account without my authorization. The person transferred to a Mrs. XXXX and statred to give her my information on what happen. I then stated that I changed my account back in XXXX and then in XXXX I called to cancel all my payments. I asked to speak to the person that I tooked to but she stated she no longer worked there.Then she  started to talk over me and I asked if she was a manager and she stated SHE WAS NOT. So then I asked to speak to a legal manager and what was his or her name. She then stated it was XXXX and then she transferred my call. HOWEVER SHE NEVER DISCLOSED THE MINI MERANDA. 
I then spoke to XXXX XXXX and I stated to him why I was calling. He then verified who I was but he had my wrong address on the account and stated the MINI MERANDA. I advised him that Mrs. XXXX stated she was a manager and she never disclosed the mini meranda. We then went over my account and I again asked for the person I spoke to last year and he also stated that she no longer was working there. He then stated that his company tried to debit my account 3 times -XXXX, XXXX, and XXXX but there were no funds in the account and also he stated THAT THEY DID NOT DEBIT IT IN XXXX BUT THEN ON XX/XX/XXXX/2019 .AND HE ALSO STATED THAT NOT ONCE DID ANYONE CALL ME TO VERIFY ANY OF THOSE TRANSACTION TO BE APPLIED. I THEN ADVSIED HIM THAT YOUR COMPANY SHOULD HAVE PLACED THE ACCOUNT IN NSF STATUS THE FIRST TIME AND I SHOULD HAVE BEEN NOTIFIED THE FIRST TIME WHEN THERE WAS NO FUNDS TO COVER THAT ACCOUNT BECAUSE I CANCELLED THE PAYMENTS. HE STATED HE WOULD REVERSE THE CHARGES. HOW EVER I ADVISED HIM THAT I WOULD BE FILING A COMPLAINT FOR EACH VIOLATION OF THE FDCPA THAT HIS COMPANY VIOLATED INCLUDING CONSIDER MY ACCOUT PAID IN FULL AND TO REMOVE THIS FROM THE CREDIT REPORTING AGENCIES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/2019 I attempted to purchase hockey tickets from a XXXX ad and was told to send the money through XXXX. I didn't have a XXXX account but it was backed by all the big banks including my bank PNC so I figured it was secure. I sent the payment for {$400.00} through the PNC app. He immediately said that there was a 1-3 day hold since he didnt initiate the request and that he would cancel that and send me a new request. I asked for proof that he cancelled it and he said it wouldnt show right away. I knew at this point that I had been scammed and immediately reached out to my bank, about 30 minutes after sending the payment. I was told the payment was gone and there was nothing they could do. They said to contact XXXX which I attempted to do but everything is automated and I wasnt able to reach an actual person. The money was sent to a bank account so XXXX has to know who received the money. I'm hoping you all can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
have been trying repeatedly to get my mortgage modified by Carrington Mortgage Services which is a devision of XXXX XXXX and have been told that it wasn't received to send it by email. When I tried that approach their site would not allow it to be done so I called and told them and was told to send it in asap. So I filled out another set of forms and sent them and all documentation by 2nd day mail requiring a signature and they waited until the XXXX to sign for it then till the XXXX to look over it just to tell me that now it was too late to do that. When I pointed out that I sent it requiring a signature etc I was told to send the proof in which I did by fax. The very next day they once again denied it for being too late even tho I was informed by a supervisor that they could still do it. I was then told to send it in one more time and again the very next day it was turned down for the same reason. My intentions have always been to keep my house however I had lost my job and am now finally starting a new job. Due to all of this happening my house is now under water as far as what it is worth compared to what they now say I owe yet I'm sure that they will find someone to say it is worth more than what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: NM

Complaint narrative:
XXXX I started repaying my student loans, I am a XXXX and used the income based repayment plan, I payed on them from XXXX - XXXX, every year they made me do a new income based repayment plan request and send tax documents, which I did. In XXXX, they asked for paycheck stubs also, I sent those, then they asked for a letter from the company I work for, I sent that. During this time, I had automatic payments coming out. Suddenly I received a letter with a message " your request for a deferral has been approved '' then no payments. in XXXX, I tried finding the loans, but the company had sent them off and told me to go to the default loan service, I tried finding them to who they sent me to, they had no information. Now XX/XX/XXXX, I get a letter that my XXXX original loans is now XXXX dollars and it is with some other contracted company. I had auto payments set up and the company stopped taking money out, then could not find the loans even though I was looking and contacting the company. How do I fix this and get back to the income based repayment plan I had been on for 3 years, when they suddenly deferred it and then moved everything around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Seattle Service Bureau, Inc
State: AK

Complaint narrative:
The phone calls started last year. Not sure of the date of the first call but the first one I could find on caller ID was XX/XX/XXXX at XXXX from XXXX to our home phone number. I told them that we dont owe what they claim we do and to stop calling. XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX and XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX all to our home number. The calls continue getting more frequent until they call every day. They call our house, my cell phone and my husbands cell phone every day now. Phone numbers they use are XXXX, XXXX, XXXX. The guy said if we dont pay then they will take our drivers license away. I received a letter dated XX/XX/XXXX from XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX stating we owed {$2400.00} for some damages that we had nothing to do with. Ive been in contact with our insurance company, XXXX, and they sent them letters stating not to contact us and to contact our XXXX claims agent only. This company harasses us every day on all 3 of our phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Telephone payment made via XXXX system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
un approved charge to my Chase checking account. 

XXXX add offering free trials on pills. I ordered the free trial I paid the shipping cost. 
The pills don't work I believe they are no good. I contacted the customer on XX/XX/XXXX to cancel. I did receive a E-Mail confirmation for no future charges on my account. and on XX/XX/XXXX. I get a charge for {$92.00}. and there was no additional product sent only the original free trial. I contacted my bank, they added a credit for this amount and mid month I received a notice from Chase that they have charge the {$92.00} again. I have not received any additional product from this company but they did charge my account after the day they agreed to cancel. I will attach the accepted cancelation notice. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi is acting with gross incompetence and negligence regarding a financial matter. Citi is in violation of RESPA title X. 

At issue are multiple of submissions of documents that Citi keeps requesting and Citi is not reading the documents submitted. First Citi is asking me to send them a mortgage statement for their own loan. No lender on earth asks for the borrower to send in their own mortgage statement, they send that to me, not the other way around. When I sent it in, they actually rejected it stating it was outdated yet it was the most current one they sent to me. This is gross incompetence. 

I have sent their requested docs ( attached here ) multiple times. All mortgage statements, all current and nothing cut off as they are claiming. They have all required documents for modification review yet are refusing to open my modification review per RESPA guidelines. 

Additionally Citi is requiring me to mail in an authorization letter which I have done so multiple times and Citi still hasn't updated our authorization in a month. First I shouldn't have to mail in a form. This is the year XXXX not XXXX, they accept payment electronically they can most assuredly accept an authorization form electronically. Secondly they aren't even processing my paperwork. It seems Citi has too many loans and not enough people working there. They need their portfolio trimmed by the government just like XXXX XXXX. Homeowners should be losing homes due to their negligence and incompetence.

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 2019-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
On XX/XX/2018 I sent my mortgage holder, Caliber Home Loans Inc. XXXX. XXXX XXXX XXXX, TX XXXX a check for {$4000.00} to cover my normal monthly payment and extra on principle. On XX/XX/2018 the check cleared my bank but was never credited to my account. According to the back of the cleared check it appears that it was Cashed by XXXX XXXX XXXX. The back of the check said " CR PAYEE ACCT LACK END XXXX XXXX  XXXX XXXX ''. I understand that it means it was credited to Caliber Home Loans account with lack of endorsement, guaranteed. Caliber claims they have no record of it. Around XX/XX/XXXX I was finally able to talk to someone from the home loan department at XXXX  XXXX XXXX who directed me to send my information to XXXX  XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. Which I did and after 3 months have heard nothing. 
In XX/XX/2018 Caliber Home Loans started charging extra to make payments on line. I made the XXXX payment by check, they received it but did not apply it as I requested. The XXXX payment was made by phone, which they miss applied. It appears they are trying to force payments to be made on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/18 I opened a Bank of America checking account with referral-promotion code XXXX. This promotion code entitled me to {$150.00} bonus after meeting certain requirements such as two direct deposits of {$500.00} or more each within 90 days of account opening. 

I can confirm I met these requirements, however I was paid only {$100.00} on XX/XX/2018. for the promotion. After talking to Bank of America, their customer service representatives are clueless and continue to escalate the situation by opening up " tickets '' to supervisors which I never hear back from. Wasted time, efforts, and resources for the promotion that was not given as promised. 

I have attached the promotion page and promotion code given to me through a referral that stipulates all the requirements. Bank of America should and WILL honor the promotion for the {$150.00} as promised.

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 2019-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I'm not exactly sure what happen but the bank no longer wants to due business with me, which is fine by me. 

XX/XX/2019 Account was closed by bank. 
Amount owed is {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed on my credit report that there's a new claim by XXXX XXXX XXXX XXXX for {$930.00} from a claim by XXXX. The address associated with this debt claim is XXXX XXXX  XXXX XXXX Texas. We have NEVER lived in Texas nor do we ever have XXXX. We live in XXXX CA and use XXXX. I do not know anything about this claim and therefore can not submit any " proof '' as requested by the credit reporting companies : XXXX and Experian. I submitted a request for them to investigate and all they said was that it was accurate without any explanation. I have submitted a dispute to XXXX XXXX but have not heard from them. Please 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 2019-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Randolph, Boyd, Cherry and Vaughan
State: NY

Complaint narrative:
My ex wife and I purchased a car with XXXXXXXX XXXX XXXX, we got divorced in late XXXX. She allowed this car to be repo and filed bankruptcy on the debt ( since in the divorce decreed, per the judge, she was given the car and the judge removed me from all responsibility with this debt ). In XXXX, before I was about to be transfer to my new command in XXXX, I received notification regarding being suited for this auto loan. I tried to contact the law firm and received no response from them-They refuse to call me back. I went to court and I should the paperwork of my divorce and other document to the judge. He proceed to dismissed the case, and told the attorney that they need to come back to court when they can prove their case properly. I thought it was done. In XXXX I'm XXXX in XXXX and filed out that I'm being garnished for a auto loan that I wasn't served on after the court case in XXXX. I can't pick up the phone and call the law firm-I 'M IN XXXX. By the time I get back- I'm sent back to XXXX XXXX and then TO XXXX XXXX XXXX . I have tried to contact this law firm and XXXX XXXX XXXX and can't get any responds back. THIS GARNISHMENT HAS BEEN GOING ON FOR ALMOST TEN YEARS-The problem with judgment is, Virginia Court System Clears their system every about 5 -7 years, so I can't find anything on this original judgment other then the garnishment paperwork. They have taken from me a total of XXXX on a car and I still owe XXXX. And the best part of this issue, the car didn't even cost that much in the beginning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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 noticed on my credit report that there's a new claim by XXXX XXXX XXXX XXXX for {$930.00} from a claim by XXXX. The address associated with this debt claim is XXXX XXXX   XXXX XXXX Texas. We have NEVER lived in Texas nor do we ever have XXXX. We live in XXXX CA and use XXXX. I do not know anything about this claim and therefore can not submit any " proof '' as requested by the credit reporting companies : Transunion and XXXX. I submitted a request for them to investigate and all they said was that it was accurate without any explanation. I have submitted a dispute to XXXX XXXX but have not heard from them. Please 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 2019-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I noticed on my credit report that there's a new claim by XXXX XXXX XXXX XXXX for {$930.00} from a claim by XXXX. The address associated with this debt claim is XXXX XXXX  XXXX XXXX Texas. We have NEVER lived in Texas nor do we ever have XXXX. We live in XXXX CA and have XXXX. I do not know anything about this claim and therefore can not submit any " proof '' as requested by the company. I submitted a online dispute to Sequium Asset by so far have not heard from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation