vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I received {$64.00} in a transfer to my Paypal account. I had previously filed a complaint through my credit card ( XXXX ) for an item I'd paid for via Paypal - that complaint with XXXX was resolved. 

Paypal will not let me access my account funds. It advises that I need to upload XXXX statements and bank statements and utlity bills to prove my identity, and I have tried to do so MULTIPLE TIMES, but it will not let me upload them. They are all in PDF, all fit the size constraints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Ive sent letters regarding this debt on my report, for one the company took longer thank thirty days to respond. For two, the original creditor deleted the debt do to information not being substantial. So if credit one the ORIGINAL CREDITOR! deleted the debt why is midland still reporting it. Also their are inaccuracies midland has documented. Im requesting for this account to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
There is a Procollect Inc debt of {$10000.00} reporting on my credit since XX/XX/2017, my identity was stolen. I do not owe this debt. It does not belong to me. I am requesting this inaccurate debt be blocked form my XXXX  credit file. I am requesting an original contract and sworn statement of this alledged debt.

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 2020-04-30 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XXXX, XXXX of XXXX and XX/XX/XXXX I was late on payments for Comenity Bank. During the month of XXXX I was very ill due to XXXX complications which caused me to be XXXX and missed payments. I gave birth in XXXX and shortly after I was on XXXX XXXX without pay which also caused me to miss payments. Prior to this incident I have never been late or missed payment with this company. I did reach out to Comenity Bank to resolved this issue with no luck. As of today I'm current on payments and have been since XXXX. I'm asking out of good favor that the delinquent payment history be removed from my credit report because its preventing me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been scammed by this person and filed a complaint to the bank that needs to handle this matter and have sent legal paper as well, but there is no any response from the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: GA

Complaint narrative:
THE credit reporting agencies Experian and XXXX are reporting a fraudulent account XXXX XXXX Account # XXXX is the original creditor and is now listed as XXXX XXXX XXXX ... ..this account was never reported to either Experian or XXXX ... .it was reported as a closed account only on XXXX ... .and now they are reporting to the to other 2 bureaus as a collection and has dropped my credit score and I am in the process of purchasing a home ... .this is FRADULENT bs and this account should be removed and deleted immediately!! how are you reporting a collection that was never reported to either of the 2 bureaus to begin with and the account was Fraud! 

Experian XXXX XXXX XXXX ( XXXX XXXX ) no account number listed XXXX XXXX XXXX XXXX ( XXXX XXXX ) no account number listed now how fishy does this sound ... ..this ACCOUNT IS FRAUD ... I am submitting the docs to prove it! I submitted my IDENTIY THEFT AFFIDAVIT in XXXX in 2019 ... I am attaching the documents 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 explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica

Complaint narrative:
In 2017, I opened an account with Direct Express, an operation of the U. S. Dept. of the Treasury, for the purpose of receiving payments from the Social Security Administration. The account was later closed after it was noted that a 'commission ' was charged on the money withdrawn, contrary to the terms of the agreement. 

On closing the account I notified DirectExpress that I wanted the balance on the account to be returned to the SSA. Instead, DirectExpress have pocketed the balance ( {$910.00} ) and have refused to respond to my phone calls or written communication for over 2 years. 

As a result, I had no option but to withhold the money from the IRS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Good Morning- Since XXXX my monthly mortgage has been {$720.00} every month with no changes until Shellpoint servicing took over this alone. Then it went up to {$930.00} due to forced lender insurance placed. Now that we have those charges lender placed insurance fees were refunded to my escrow, and an updated escrow analysis, my statement is showing that my monthly payment will be {$780.00} and that the escrow balance should be {$1100.00} ... when my XXXX property taxes were only {$460.00}. 
County Tax XXXX COUNTY {$460.00} XX/XX/XXXX XXXX According to the federal websites I am reading, Shellpoint should not be requiring more than 1/6 of a cushion in my escrow over what was actual due. 

There is no reasons my mortgage should continue to increase for another entire year and Shellpoint collect additional funds from my monthly payment to float in escrow that FAR exceeds my annuall property tax. My escrow should only be for property taxes and not other amounts of fees. 

They placed forced lender insurance after sending statements to the wrong address for months when I did indeed have insurance ... now it seems they are using the additional insurance fees in their escrow analysis calculations to increase my escrow unnecessarily. There has never been any lapse in any insurance coverage for my condo or through my HOA, so Shellpoint 's mistakes should not be used against me financially. Are they trying to increase my escrow to grain more capital? 

( 5 ) Cushion. The cushion must be no greater than one-sixth ( 1/6 ) of the estimated total annual disbursements from the escrow account. 

( ii ) Charges during the life of the escrow account. Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( 1/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition, the servicer may add an amount to maintain a cushion no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the account. However, if a servicer determines through an escrow account analysis that there is a shortage or deficiency, the servicer may require the borrower to pay additional deposits to make up the shortage or eliminate the deficiency, subject to the limitations set forth in 1024.17 ( f ). 

Sincerely, XXXX XXXX property XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have a very hardship and was sick for a long while during the pandemic. The charges of BJ 's master card issued by Comenity Bank are extremely high and quite amount of charges can not be found in the charges of my BJ 's orders on BJs ' website. I have no energy to check the charges and am stressed out as afraid that my family to catch the virus from me when I was sick. I still have no energy now to check all the charges, but tried my best to pay off $ XXXX balance though I am short of money. I contacted the Comenity Bank to ask them to waive the late fee charge $ XXXX because I had a very hard time and paid off the balance at one time. Some item I ordered from BJ 's was not shipped to me because of out of stock and was not refunded me as I was told in XXXX. I doubted quite amount of charges in my account, but I did not ask them because I am sick and have no energy. But I was extremely upset as I got the Comenity Bank 's replies. In the first reply, they lied to me, saying there is no late fee charge in my account. In the second reply, they lied to me again, saying they didn't charge me late fee, it is master card 's charge. a lie. In the third response, they said I should pay on time without any mercy. Since I have been their customer more than 6 years ago, I always pay on time. During this hard time, I am sick and have no energy to question the charges as they are extremely high and quite amount of charges are unrecognized. I understand that they are having high amount of business to handle though BJ 's customer service did not respond to my emails. I paid the large amount balance at one time and need to submit my doubts/debates when I am recovered and have energy. I am so kind that I did not want to debate the unrecognized charges now because it seems that the BJ 's people are too busy to respond to my emails these days. But Comenity Bank is so cold and take advantage of people during this hard time. 
I submit my complaints against Comenity Bank to you and hope you can tell this Bank to be a good citizen, not just XXXX up people during this hard time. I ask Comenity Bank to waive the late fee charge {$32.00}. Please help me and other people because they are doing bad things to other consumers too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a online bank account with capital one 360 and I deposited the my income tax check they placed a hold on my account I've been reaching out to them for about a month now I left a voice mail in this particular department that only do out bound calls no one has called me back I need answers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE credit reporting agencies XXXX and Transunion are reporting a fraudulent account XXXX XXXX Account # XXXX is the original creditor and is now listed as XXXX XXXX XXXX ... ..this account was never reported to either XXXX or Transunion ... .it was reported as a closed account only on XXXX ... .and now they are reporting to the to other 2 bureaus as a collection and has dropped my credit score and I am in the process of purchasing a home ... .this is FRADULENT XXXX and this account should be removed and deleted immediately!! how are you reporting a collection that was never reported to either of the 2 bureaus to begin with and the account was Fraud! 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) no account number listed Transunion XXXX XXXX XXXX ( XXXX XXXX  ) no account number listed now how fishy does this sound ... ..this ACCOUNT IS FRAUD ... I am submitting the docs to prove it! I submitted my IDENTIY THEFT AFFIDAVIT in XXXX in 2019 ... I am attaching the documents 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 explanation
Consumer complaint received 2020-04-30 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: GA

Complaint narrative:
THE credit reporting agencies XXXX and XXXX are reporting a fraudulent account XXXX XXXX Account # XXXX is the original creditor and is now listed as XXXX XXXX XXXX ... ..this account was never reported to either XXXX  or XXXX ... .it was reported as a closed account only on EQUIFAX ... .and now they are reporting to the to other 2 bureaus as a collection and has dropped my credit score and I am in the process of purchasing a home ... .this is FRADULENT bs and this account should be removed and deleted immediately!! how are you reporting a collection that was never reported to either of the 2 bureaus to begin with and the account was Fraud! 

XXXX XXXX XXXX XXXX ( XXXX XXXX  ) no account number listed XXXX   XXXX XXXX XXXX ( XXXX XXXX ) no account number listed now how fishy does this sound ... ..this ACCOUNT IS FRAUD ... I am submitting the docs to prove it! I submitted my IDENTIY THEFT AFFIDAVIT in XXXX in 2019 ... I am attaching the documents now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have been trying to reach citi involving my Citi Simplicity Card, as they sent me a letter in the mail and here on the CFPB website. 

Today is XX/XX/2020, and they finally answered their phones at the Citi Recovery Department, but the internal department said they did NOT have a copy of the letter that XXXX XXXX sent to me. The case number is # XXXX and his letter is dated XXXX XXXX. The agent told me that they couldn't work out a repayment plan with me, and didn't have a copy of the letter. 

My Citi Simplicity account number is XXXX. I was ready to pay my two amounts that XXXX XXXX stated in his letter, but they couldn't do it the agent said on the phone. I'm not understanding, as XXXX XXXX even said, that the representative didn't inform me, that my account was being charged. He gave me a phone number to call which I was finally able to get through too, as they had closed temporally because of the Corona Virus. 

I want to make my payments, and have a payment plan going forward. I need to know who to exactly contact regarding this matter, even if it's via email XXXX, my address, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX. My phone number is XXXX. 

Please get in contact with me.

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 2020-04-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I submitted a purchase dispute to my credit card company regarding a purchase of eyeglasses and contacts and they have sided with the provider. After speaking with a billing inquiry specialist on this date, I was told that once the glasses were made with my prescription, the sale is final. I am still to this date without glasses and contacts. The provider admitted that the glasses did not pass inspection and had to be redone XX/XX/XXXX. In XXXX they had to have the glasses remade with different frames, and the glasses still had what looked to be a calculus equation visible in the lenses and the legs of the glasses were completely wobbly. The provider claims the contacts were delivered on XX/XX/XXXX, but would not provide me with a PO number to file a claim. My concern is the credit card company is holding me responsible for a bill and I do not have the product. The billing inquiry specialist stated their policy, which could not be found online in the company 's FAQ 's, in fact it said nothing about conditions of the product in regards to returns. I have made contact with Synchrony on numerous dates which they have conveniently deleted from the portal, but I have confirmation emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After attempting to call them on this date, their CSR put me on hold came back and acted like he could not hear me and held the phone. They have sent letters to further the dispute, and I reply giving them the documentation requested, leave voice messages for who they directed them to go to, and they still have yet to respond.

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 2020-04-30 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
So back in XXXX we leased Honda from American Honda, all payments terms of 36 months were paid on time. However when we returned the car no one told us that there is return fee. No mail, no phone calls, then I noticed 30 day delinquent in my credit report. When I called them to ask why is this, they hanged up the phone and told me this is not our problem and you shouldve known Since then XXXX cant fix this 30 day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Below is the main body of the letter that I sent to American Express ( regarding the account ending XXXX ) on XX/XX/XXXX ; I have received no response from AMEX and have subsequently been hit with {$28.00} late fee. 

On XX/XX/XXXX I ordered 2 tickets for my wife & I on XXXX XXXX flying from XXXX to XXXX on Monday XX/XX/XXXX at a cost {$410.00}. I used our AMEX points to pay for those tickets. 

On the same date, AMEX travel charged an additional 168 tickets on the exact same flight at the exact same rate ( {$410.00} ), then simultaneously credited my account for 141 tickets at the same price ( {$410.00} ) such that I suddenly had a net charge of {$11000.00} for 27 tickets I did not order, tickets that were never issued, and tickets that were never used. 

After multiple phone calls, and two letters the following transactions/events occurred in my account : - On XX/XX/XXXX my account was credited with an airline refund of {$330.00} for ten ( 10 ) of the twenty-seven ( 27 ) tickets ; those credits were {$75.00} less than the charge associated with each of the tickets, for a total shortfall of {$750.00} for those XXXX tickets. 
- On XX/XX/XXXX my account received a {$750.00} credit from the AMEX travel agency ; I would assume that was meant to cover {$75.00} per ticket credit short fall from the airline. 
- On XX/XX/XXXX my account was credited with additional airline refunds of {$330.00} for the other XXXX ( 17 ) tickets ; those credits were also {$75.00} less than the charge associated with each of the XXXX tickets, for a total shortfall ( charge to the account ) of {$1200.00}. 
- There was no subsequent AMEX Travel Agency credit to offset the shortfall associated with the 17 credits. 
- In XXXX, after sending my first letter XXXX dated XX/XX/XXXX ) AMEXs Fraud Department issued me credits for the 27 tickets that I never bought at the {$410.00} price that aggregated to a total credit of {$11000.00} ; those credits along with the just mentioned shortfall of {$1200.00} resulted in my account showing ( incredulously ) a credit balance of {$9900.00}. 
- My second letter, explaining that there should be no credit balance, dated XX/XX/XXXX, resulting in the Fraud Department reversing all 27 credits for a net charge of {$11000.00}. 
- The net result of all these adjustments/transactions is that my account is showing a balance due of {$1200.00} XXXX which equals the shortfall associated with the 17 tickets that received the {$330.00} credits on XX/XX/XXXX ). 

That balance is wrong ; it is associated with tickets I never ordered or bought. The balance on my account should be XXXX.

Company response to consumer: Closed with explanation