vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
If I could give PAYPAL A NEGATIVE 0 I would ... I have been a PayPal user for a very long time and have never had any problems with them at all as a buyer. Due to Covid-19 I decided to start selling items on XXXX for extra cash to support my family ( I am a mother of small children ) and everything was going well all up until PayPal decided to limit my account with over {$5000.00} inside. At first it was only a temporary limit ( so they claimed ) until I could provide them with all of the documents they requested which was a picture of my ID and proof of fulfillment to my customers. I provided PayPal with all of these documents and waited a few days for them to reply thinking that everything would be okay just to receive another email asking for more documents such as my Social Security Card and Invoices from my supplier for proof that I am paying for the items that I am selling on XXXX. Shouldn't XXXX be worried about things like this? Anyway I replied to that email as well with a picture of my social security card and the invoices from my supplier and waited a few more days for them to reply back again. This second email from PayPal had me completely ( heart broken and devastated ) FOR NO REASON AT ALL they said my account had been permanently limited and I could no longer due business with PayPal in the future and that they will be holding any available funds in my account for 180 days. This is completely insane and fraudulent, how they are able to continuously do this to people and get away with it. I worked hard everyday to earn that money and they are keeping it away from me for no reason at all. If there were any problems with my account why didn't they inform of this before? The problem only came in once I tried to withdraw the funds from PayPal and add them to my own bank account. I DO NOT CARE TO DO BUSINESS OR HAVE ANY ACCOUNT WITH PAYPAL EVER AGAIN BUT I WOULD LIKE FOR THEM TO RELEASE MY FUNDS. The {$5500.00} that I worked my XXXX off everyday for and earned is what I want because it belongs to me not PayPal and they shouldn't have any rights at all to hold it for 180 days. This is ridiculous I do not and would not ever recommend PayPal services to anyone. I have moved on to another marketplace which I am happy with and XXXX  also allows me to continue to sell. I can not believe PayPal is doing this to hundreds of people and nothing is being done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
This is going to be kinda vague. I do have XXXX and XXXX. I have a big problem with the financial company I'm using due to my XXXX. To ask simple generic questions is talking over an hour. Before I got coupon book I asked once I make payment if I wanted to pay extra what would I do. I could never get an answer because of protocol. I've asked for help understanding things an they seem not to be able to stay on subjest. I call to set up auto pay and they refused to help me because they wanted me to make a payment first. The account wasn't past due. With my XXXX I usually have to practice how I want to do! Hi ngs if you make me change it won't work. 
I've even had staff make comments about my XXXX. One person stated she knew someone with XXXX and based on that determined I didn't need help that I was just wanting to cause trouble.

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 2020-04-16 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX XXXX {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  {$400.00} Opened XX/XX/XXXX XXXX XXXX  XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XXXX XXXX XXXX XXXX DEP OF ED {$600.00}

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 explanation
Consumer complaint received 2020-04-16 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX  XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XXXX XXXX XXXX XXXX DEP OF ED {$600.00}

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 explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received my Amex Serve card prior to the COVID stimulus check was sent, and had not activated it. When I heard checks were going out soon, I attempted to activate the card and was subsequently locked out of my account " for security '' purposes. I kept being directed on their website to call their automated service to activate my card. Nowhere in the automated menus is an option to activate my card and I spent over 1.5 hours on hold trying to reach a human one evening. Now when I call they are simply rejecting new calls and hanging up. I have no way of accessing my account information without first activating the card, even though I have already set up an American Express Serve account and don't want to use the card. I just want to transfer my money to my actual bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MD

Complaint narrative:
I had 2 fraudulent charges that were not made by me or for me on XX/XX/XXXX at XXXX XXXX. {$700.00} and {$50.00} at XXXX XXXX. as well as a XXXX fee. 
XXXX, live in Md. and some scammer listed as XXXX -PREPAID IN XXXX XXXX NV . -Looked up and CALLED -CLOSED CASINO-COVID. I was left with XXXX on XXXX, and no way to pay rent, phone, XXXX XXXX prescriptions, gas for rides or toiletries! Filed dispute-did everything asked of me, requested 2day Expedited card, dIdnt come, called Direct Express and with an open dispute they allowed the scammers to change my permanent Md. address to I assume the thieves address-XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX! I paid XXXX promised reversal due to taking 9 days to receive,16 days later still attempting Denied!! They mailed me a questionnaire to fill out and return within10 business days. Id already faxed in all information. Questionnaire came 8 days later and filled it out instantly, took to P.O. walked it in and asked when it would arrive in Texas, they said Monday 2 days to spare! I called Monday morning XXXX to check on stat of new card reversal, I was given more runaround and told they had denied my dispute ( HAD NOT RECEIVED MY QUESTIONNAIRE YET! ) denied with NO APPEAL because the SAME thieves withdrew XXXX twice in XXXX that I had NO KNOWLEDGE OF and theyre trying to keep MY INSURED MONEY because I did not KNOW or REPORT the 2-XXXX charges from similar name- PREPAID!! I am DESTITUTE, these PEOPLE ARE GIVING ME THE RUNAROUND, I have done the so called investigators job and it is clear as day this is THEFT and they WILL NOT TETURN MY MONEY! Please HELP ME! No savings, alone, XXXX  and no other income!! They even know they told me the thieves tried to withdraw money out twice the night of, but before XXXX XXXX  when my money was expected as always and had been denied! I had had XXXX in my account for at least 2 weeks and would have NEVER TRIED TO WITHDRAW MONEY THAT I KNEW WAS NOT THERE!! That is ridiculous! This investigator needs to be fired, did not do even a little bit of work, totally useless!! Thank you!!! Help me please!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

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 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I keep getting phone calls from a woman claiming to be from Diversified Adjustment XXXX. When I ask what this is in regard to she asks for personal information, Name, address etc. I ask again what this is about and she hangs up on me. They call me every day, several times a day. They never leave any messages. I am contacted every day from several similar, but different phone numbers. XXXX XXXX XXXX Also, currently collectors arent even supposed to be calling in nys due to the pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im missing a payment history on my XXXX  XXXX XXXX  account in the month of XX/XX/2020 and I disputed with Experian and it was denied after 30 days and Im trying to get it updated I paid my XX/XX/2020 statement and it not being reported to Experian at all .... I would like XXXX  XXXX XXXX to update my XX/XX/2020 payment thank you

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 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: R & B Corporation of Virginia
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit. 
1. I dont understand the payment history of this account and how the charges went from XXXX to XXXX. 
2. I asked for the original contract bearing my signature.

3. I asked for the payment history and last payment date made on this account. 
4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The email says that it is a notice from XXXX  XXXX   XXXX  in an attempt to collect debt that I am not even aware of. I check the website and it shows that it is a XXXX XXXX XXXX XXXX!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit report.!

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Screening Reports Inc.
State: IL

Complaint narrative:
SCREENING REPORTS, obtained my background check and credit report without my permission or signed consent. I did not authorize any housing application with Indiana housing to consent to a background check with this company. Nor did I give SCREENING REPORTS, INC permission to place a hard inquiry in my credit report as well. SCREENING REPORTS, INC also reported incorrect information in my credit report as well. SCREENING REPORTS, INC has refused to remove the hard inquiry from my credit report and I want it removed.

Company response to consumer: Untimely response