vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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: IL

Complaint narrative:
Im a XXXX  seller who has been selling valuable items that I had to get my money together during COVID. I have sold items such as XXXX, and a XXXX and those buyers were proud with there order but I didnt get my money which hurts. So now those people are going around flexing with my items while my money is on hold for 180 days. I think PayPal is being a little overprotective by putting my money on 180 day hold because I dont do fraud or any negative activity, and if you check my PayPal account you will mainly see only XXXX  orders. Im a dedicated XXXX seller who wants to make a brand called XXXX and sell expensive jewelry and designer clothes Ive received in the music industry. I created other PayPal accounts because I felt that PayPal tried to stop me from making money during this rough time in my life. Ive contacted PayPal multiple of times and I get the same email saying I have to wait. The PayPal email Im contacted to work on is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
I just received a letter on Monday XX/XX/2021 informing me my mortgage has been sold from XXXX to XXXX XXXX. The letter was dated XX/XX/2021. I was not provided the required 15 days notice from my current mortgage servicing XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
It looks like I got scammed by a website called XXXX. I placed an order ligaly for a fire arm that I never received {$460.00}. Some one contacted me the next day asking if I wanted to complete my order and I did. They said they were going to ship the order in 48 hours. I thought they were going to send me more information but nothing. I contacted XXXX to get my money back, also my back golden1. And no help from both companies. Not sure if this is going to help but it seem like no one is going to do anything and this person is going to keep scamming people. The bank did nothing. As far as I know XXXX my have blocked this person. I thought fraud was a crime so why is no one going after this person and I'm left to pay a bill that my bank transfered to this person. Not fair at all. I have all the information about this person if you need more info. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: PA

Complaint narrative:
I have card.comto received my SSA benefits and every month they are charging me a XXXX fee another fees for this card I suppose to get my check 5 days before the XXXX of month And everytime I call in they will not let a supervisor and they are stealing money out of my account every month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
How long does it take to get results after a dispute is file?. I am aware it supposed to be 30days well we are now way pass 30 days and still nothing. I dont feel that I should have to be writing this complaint just to get my results. Are bureau not working because of Covid? Because that the only reason I can see why they arent replying to me. There is no excuse for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: U.S. BANCORP
State: IL

Complaint narrative:
Dear Sir or Madam : Good afternoon. I was issued a BUSINESS line of Credit from US Bank in XX/XX/2015. I was explicitly told that this would be registered under my business. Not my personal credit bureau. It wasn't until some years later that it was FRAUDULENTLY added to my PERSONAL CREDIT. 

It is making it very difficult for me to get a job, buy a car, or even get an apartment. 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 non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.

Complaint narrative:
As you will see on the following screenshots, the e-mail conversation between XXXX XXXX XXXX XXXX Customer ) ( XXXX XXXX and XXXX @ XXXX XXXX XXXX ( Supplier ) ( XXXX XXXX. These are the official accounts we are always communicating through. 

The swindler was able to get into the conversation hacking our accounts and carrying out a fraud using the fake e-mail address : ( XXXX ) as our supplier, which one could fool us so we didnt suspect and XXXX our second account ( XXXX ). 

So, based on false information, we proceeded to send wire transfer for {$29000.00} to the fraudlent account of hacker, as we thought he was our supplier in XXXX : Bank Name : CITI BANK Bank XXXX XXXX XXXX XXXX XXXX NJ XXXX Beneficiary Name : XXXX XXXX XXXX XXXX XXXX  Account XXXX Routing XXXX Beneficiary XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX : XXXX Through XXXX conversation we found that our supplier in XXXX did not receive the transfer. Then, after checking slowly, we overlooked that made the transfer to an XXXX bank account and not in XXXX, but we thought the XXXX supplier has an account in XXXX, which is also normal, but that was the scam because he hacked our emails.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Amsher Collection Services. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: FL

Complaint narrative:
There are numerous accounts and inquiries listed on my credit report that I have no knowledge of and didn't authorize. This was a a result of malpractice or an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I RECIEVED A LATE ON MY STUDENT LOAN IN XX/XX/2021, THEYRE SUPPOSE TO BE IN FOREBERANCE RIGHT NOW DUE TO COVID,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
To start with I had {$870.00} in my checking account. 
I had received a voicemail from a XXXX XXXX, phone # XXXX, his employee # XXXX, in supposedly, XXXX XXXX, CA. He said headquarters in XXXX, XXXX for his company of Light Stream, a division of SunTrust Bank. He stated I could get a loan up to {$9000.00}. He already had some of my personal information, such as my phone number to leave me the message about a loan. Since he stated he was with Light Stream, I assumed it was legitimate. To process the loan he stated he needed to deposit {$980.00} into my checking account to make sure my information was correct, then he wanted me to transfer {$950.00}, by way of XXXX transfer, to him ( but the name was XXXX XXXX that was shown ). Then he deposited the {$980.00} back to my account, supposedly paying me back. Then he stated I needed to go to a store and get a prepaid debit card for the {$980.00} and call him the card number. That is when I got really suspicious. I told him I did not have a way to a store at that time. He wanted me to call a taxi or somebody to take me. I told him I would call him back after I got to the store. But instead I called my bank and the bank was calling me at the same time. They said my account was looking suspicious, so I told them to lock it. I did not get a prepaid card, but they got me for {$870.00} and so my account is in the RED now. So I have been SCAMMED much to my own fault and not realizing it. I hope these scammers get caught and not hurt anyone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A balance is reporting on my XXXX  XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2021. I have tried to resolve this issue directly with XXXX XXXX XXXX and they have failed to correct it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A balance is reporting on my XXXX XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2021. I have tried to resolve this issue directly with XXXX  XXXX XXXX and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
DEAR SIR OR MADAM : TOYOTA MTR ISSUED AN AUTO LOAN ON XX/XX/ IT WAS SUPPOSED TO BE CATEGORIZED UNDER MY BUSINESS CREDIT. XXXX XXXXXXXX XXXX. HOWEVER, AS NOTED IN MY CREDIT REPORT, IT WAS FILED UNDER MY PERSONAL CREDIT BUREAU. 

IT HAS PREVENTED ME FROM GAINING EMPLOYMENT, RENTING A NEW PLACE, EVEN GETTING A SECURED CREDIT CARD. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
On XX/XX/ I pulled my report to see a medical debt from a collection agency from Franklin Collection SV in the amount of {$470.00}. This is not mine and I believe i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A balance is reporting on my Bank of America account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2021. I have tried to resolve this issue directly with Bank of America and they have failed to correct it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: KS

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2021-02-24 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: MS

Complaint narrative:
Ive contacted the company to tell them the account is not mine and submitted a ftc report. This is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2021-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 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: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LCS FINANCIAL SERVICES CORPORATION
State: MS

Complaint narrative:
I received a alert that my credit was pulled for a installment loan. I havent applied for a loan so I called them. I provided my info and she stated it was in regards to a home my ex husband and I purchased in XXXX. I have been divorced from him since XXXX and I also filed bankruptcy which was discharged in XXXX that includes the house. I advised that I didnt authorize them to check my credit and I had never even heard of the company before. She stated something about them trying to collect a debt. I asked for it to be removed from my report because I didnt tell them they could run my credit for a home I havent had since XXXX and again was discharged on my bankruptcy. I was placed on hold then hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Lending Club Corp
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief