vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Gotmortgage.com
State: FL

Complaint narrative:
I have been getting phone calls from this company everyday and yesterday a lady that called cursed at me because I got upset with them calling me. I asked them to take me off the calling list at least five times. The companies name is Lending3.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
After being a member of Paypal for around 15 years, I received a notice from the company that they have frozen my account since they could not verify my identity. I provided the identify verification documents to the company and they have since not responded. On XX/XX/2020 I received a notice that my account has been restricted and my funds will not be made available for 180 days. My current balance is {$3300.00}. My Paypal email is XXXX I have talked with Paypal customer support and was notified that I violate their Terms and therefore my funds will be frozen for 180 days. I asked which term I violated and was told that they could not share that with me. This is absolutely arbitrary and capricious and doesn't make sense. They have not legal authority to freeze my funds. They do not have a judgment order or any other legal avenues through which they could legitimately freeze my funds for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
HELLO THERE ARE THREE ITEM ON MY CREDIT REPORT AND THEY ARE STOPPING ME FROM BUYING A HOME, BELOW ARE THE THREE ITEMS AND I HAVE FILED A POLICE REPORT. 

XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$97.00} XXXX OPENED XX/XX/XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX BALANCE {$970.00} XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: OH

Complaint narrative:
HELLO THERE ARE THREE ITEM ON MY CREDIT REPORT AND THEY ARE STOPPING ME FROM BUYING A HOME, BELOW ARE THE THREE ITEMS AND I HAVE FILED A POLICE REPORT. 

XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$97.00} XXXX OPENED XX/XX/XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX BALANCE {$970.00} XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$430.00}

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 2020-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd.
State: MN

Complaint narrative:
I keep getting calls from XXXX XXXX XXXX from someone named XXXX XXXX and a XXXX XXXX that I will get served and sued for breach of contract of a payday loan and for multiple bad checks when I haven't wrote checks. They are threatening to take this year 's or next year 's federal and state refunds as well as garnish my wages. I have asked for a validation notice of my debt and was told they don't need to send me one because im getting sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Cashier check was never sent. Funds never deposited into account after 5 business days as told

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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:
THE ACCOUNTS THAT ARE BEING DISPUTED WERE NOT AUTHORIZED BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS LISTED. IT HAS BEEN BROUGHT TO MY KNOWLEDGE THAT THOSE ACCOUNTS HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FOR QUITE SOME TIMES AND I HAD NO IDEA HOW THIS HAPPEN. PLEASE IF THERES AN INVESTIGATION THAT CAN BE DONE TO HAVE THOSE REMOVE OFF MY CREDIT, PLEASE HAVE IT DONE TO CLEAR MY REPORT OF INACCURATE 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 explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
On XX/XX/2020, I sent via PayPal, {$10.00} to a friend. ( Both of us are residents and currently located in Idaho, U.S. ) While / previous to sending the money, Paypal asked " Whats this payment for? Sending to a friend or Paying for an item or service? '' I opted for " Sending to a friend - No fee to use your bank to send to friends and family in the U.S '' and used my bank / debit card. Contrary to what I thought would be " No Fee '', I was charged {$.00} On my friends end, I'm not sure what the problem was. She said PayPal required a higher balance or fees or something for her to get the money. She declined and sent the money back to me via payPal.

Now Paypal wants more money from me to get my money back ( back onto my bank card ). Again, contrary to the " no fee '' that it stated for the return if I wait a few days, there would be more charges.

After talking / complaining ( via paypal website messaging ) with Paypal, no resolution.

I then refuted the charges ( original {$10.00} ) with my bank ( on a three-way phone call with paypal and my bank ). PaypaI then explained I could access my money if I entered my checking account number and routing number. I went to do that online ( while we were still on phone ) but Paypal wanted my password to my bank account. Not!

I want my {$10.00} back. ( And someone should XXXX them! )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I Submit through the mail to XXXX  XXXX  and Trans Union Deletions to credit report According to the provision of the fair credit reporting act 611 ( a ) 15 USC 1681j ( a ) to all three credit bureaus Failed to send me the names addresses and numbers of the people they contacted during the investigation to get these negative items removed they sent me updated reports but they are not accurate and they never sent me the information of who they contacted for the items that was not removed some items were removed and some items were not they never contacted me about who they contacted doing their investigation with the names, phone number, and address so that I could do my part to follow up on The investigation of why the items have not been removed thanks and god bless

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 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I Submit through the mail to XXXX  Equifax and XXXX XXXX Deletions to  credit report According to the provision of the fair credit reporting act 611 ( a ) 15 USC 1681j ( a ) to all three credit bureaus Failed to send me the names addresses and numbers of the people they contacted during the investigation to get these negative items removed they sent me updated reports but they are not accurate and they never sent me the information of who they contacted for the items that was not removed some items were removed and some items were not they never contacted me about who they contacted doing their investigation with the names, phone number, and address so that I could do my part to follow up on The investigation of why the items have not been removed thanks and god bless

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I am requesting your help with this matter since I do not know what else to do to resolve an unfair issue with my credit. I have been a victim of fraud and had fraud charges on my account. I did not benefit or have any knowledge of these charges. I tried to solve this issue with Ford Motor Credit by sending a letter ( XX/XX/XXXX ) requesting this FRAUDULENT ITEM to be removed. 

They did not investigate nor respond and also did Not even mark the account on my Credit Report as disputed. This is a violation according to the FCRA. This has caused lot of inconveniences. Please help me get my credit freedom back. I am requesting the following company to remove this fraudulent item from my credit report and also a DELETION LETTER. I will not hesitate taking this case to court if they do not remove this negative mark. 

COMPANY : FORD MOTOR COMPANY Account # : XXXX. 
Date Opened : XX/XX/XXXX. 
Balance {$0.00}. Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As of last year, around XXXX, then the last two months and yesterday, I've been having serious problems with CitiBank. I have 5 CitiBank cards. However ; after today I contemplating on cancelling them. Since ; for a week I tried to access my rewards via email to no avail. My XXXX, email and computer would freeze up when I tried to print the reward check. I tried forwarding it ; printing it ; saving it ; and viewing it. Citibank 's extreme security paranoia is beyond my comprehension. The Business sense and customer service skills are replaced with their security paranoia. It also leads them to arrogance and abuse. My final call to Citi was yesterday from XXXX XXXX. The Costco manager wanted to talk to them, becasue they cancelled my rewards when I called them again Wednesday.. They sent me a replacement email, but NO REWARDS. When I showed Costco the first forwarded rewards ; they had been cancelled! And when I Called them at Costco because the manager wanted to speak to them they were not only uncooperative but threatening and abusive. Since ; by then they riled me up. Thus ; I was very ill this morning because it hurts me to get upset due to my broken sympathetic nervous system and cerebral hypoxia, leading to extreme gastritis. I wish I could cancel all my CitiBank cards, but I can't cancel the Costco card. After driving 120 to XXXX and XXXX XXXX and back to Costco, the rewards had been inactivated, unbeknownst to me! I've earned my rewards ; but could not claim them! Instead ; he displayed threats and abuse conduct!

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 2020-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: GA

Complaint narrative:
We paid our mortgage in full on XX/XX/2019. GA statute 44-14-3, Guild is liable to us for failure to Cancel the security deed within 60 days of full payment. As of XX/XX/2019, Guild mortgage had not provided us with copy of security deed cancellation, so I proceeded to send them a demand letter requesting {$500.00} as provided by the same state law.

Guild mortgage refuses to acknowledge and to execute GA law citing that because Guild sent to the clerk on day 58 of 60, they are in compliance with state law. I keep insisting that the 60 days was all the time Guild have to provided to grantor ( us ) with a cancellation of the debt after full payment of the mortgage. 

Your prompt assistance is appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
Toyota Financial Services repeatedly continues to report to credit bureaus that my account is delinquent, at present 6 payments, 30-59 days late. I may have been a few days late on a payment occasionally buy never, never 30 days late. The situation has been corrected by Toyota, my account has been monitored by them to assure this falso reporting will not happen again but repeatedly it does. XX/XX/2020 I received a letter from Toyota stating that corrections were made in their system again and reported to all credit bureaus, by XX/XX/XXXX, the correction showed on my credit reports. XX/XX/XXXX, I was notified by XXXX XXXX thru an email that Toyota was reporting me with 6 months of payments 30-59 days late. I have gone round and round with Toyota and XXXX XXXX, both say it is the others fault. I have filed dispute after dispute and they are settled and corrected only to resurface again. I need help and I am at a loss as to what to do. Help please!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The law requires Equifax to provide a feature to place/lift security freezes on credit reports. 

I have created an account on myEquifax.com as required by the company, but the feature to place/lift a security freeze is not working. 

I have contacted the company dozens of time. They spend weeks/months to investigate and close the complaint simply stating the status of security freezes on my account. They do not address the problem, of being unable to CHANGE THIS STATUS online. They have been aware of this problem for nearly six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Navient Student loan company stated, They were taking over my student loans and was funded by Department of education, which is a complete utterly lie! Now this had devastate my credit score. Also I have paid thousands of dollars into a company that doesnt exist!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
My credit report reflects accounts that I have not opened. I would like these fraudulent charges and accounts removed and my score restored

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 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
Complaint against Discover card account number ending in XXXX For Inquiries XXXX XXXX XXXX, XXXX XXXX XXXX UTXXXX I have been an excellent client of Discover card for over 20 years. I never missed a payment in my history not only with Discover but with all the other credit cards. I purchased XXXX for XXXX XXXX XXXX In XXXX CA account # XXXX for {$100.00} on XX/XX/2019. The services offered by XXXX TV was not reliable and I called to cancel the order immediately. discover issued a credit of the same amount on XX/XX/2019, took the credit back on XX/XX/2019 and on XX/XX/XXXX onwards started charging penalty of various amounts still as of this month. I had multiple communication by phone and 6 communications by emails. But the irresponsible behavior of Discover and unaccountability of XXXX XXXX ignored all of my emails, never responded to me continuing to charge me late fees and are continuing to report it to the credit reporting agencies. My excellent credit history with a top credit score has been dropped from XXXX to XXXX. Discover and XXXX XXXX has violated all rights under the fair credit act fair credit reporting Act. I hereby request the respected FCFB to investigate this matter and help me to have them issue credit for all late charges and take all corrective actions, penalties to correct any related errors in my credit history. 

Attachment communications with Discover discover statements from XX/XX/XXXX copies of the credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc.
State: AZ

Complaint narrative:
Calls work, I have never left a voicemail and they are complete XXXX artists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient grossly mishandles loan payments. While it is apparent that the lender receives the overwhelming majority of protections compared to students that take out loans, Navient payment processing is worse than any other payment processing I encounter for various other loans/recurring payment apps ( car loan, bank loan, credit card payments, etc. ). 

If I make a student loan payment on the same day as the other payment types mentioned above, Navient will withdraw the money from my bank account before the other institutions that I make a payment to - and yet my Navient payment posts to my Navient account after every other payment I make. This is not a problem, except that Navient is constantly assessing interest on the amount prior to the payment. There is no reason that Navient should be able to charge interest on an amount they have already withdrawn from my bank account. 

Not only do they mistreat lenders financially, but they leave no other alternative to changing loan servicer other than consolidating loans to switch servicer. This is a poor option for myself and many other lenders since interest rates and amounts borrowed can fluctuate from one academic year to the next, especially if you receive a graduate degree and use federal student loans to pay a portion of expenses ( since these interest rates are higher than those for undergraduates ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I have done business with ace cash express in the past and was able to pay the loan/s off. So this time around I ended up needing to take out another loan with ace cash express I Bel it was like last year. And because I was having trouble making ends meat at that time, I haven't been able to pay them back this time. My plan is to pay it back. Well today our of snow I receive an agressive call by a unknown number in XXXX. He stated that I was going to be sued and that my case was redflagged and that they were getting ready to take me to court and that if I didn't make a payment they were going to continue with the he summons. I am so scared right now that I cried. And am still shaking. He gave a case # XXXX and to call this attorney at XXXX to stop the civil suit against me and to ask for a " Stop order on case '' .And he said, I had two case 's that were so serious and had been filed against me that I was en serious trouble. So I called that number and the man said he was an attorney and I gave him my information and he threatened me that if I didn't make a payment here soon, I was going to jail. He said, I owed ace {$1800.00} and I gave him my bank information and my card number. And he forced me to make XXXX $ payments every two weeks, in which I don't have. I hung up. I looked online and there was my account open and unpaid in the amount of {$1700.00}. He said I have to make 6 1/2 payments. If I did not comply they would severe me and I would go to jail. I am really scared right now. My XXXX XXXX flew off the roof. I have never been threatened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
My credit report reflects accounts that I have not opened. I would like these fraudulent charges and accounts removed and my score restored

Company response to consumer: Closed with explanation