vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My son sent me {$40.00} dollars from his PayPal account to mine ( This is all relevant to my complaint so please bear with me. ) He immediately realized that he used the wrong card to send me the money. he use his credit card and intended to use his debit card. He contacted me and I initiated a refund. ( this all happened in less than 2 minutes. ) Here is the complaint number he filed against PayPal concerning this issue.XXXX-XXXX. Basically PayPal stole the {$40.00} from him and told him numerous lies to justify stealing it. He filed a dispute with his bank. He kept a verbatim copy of the conversations he had with PayPal, Concerning this {$40.00} refund using their messenger app. He included a copy of that conversation in with his dispute. After his bank read the conversations and saw all the lies PayPal told to him regarding the {$40.00} the bank refunded his money back to him. Yesterday day I log into my PayPal account and I have a message that I have a negative {$40.00} balance on my PayPal cash account. I contact PayPal using their messenger app and they tell me that since my sons bank found in his favor and returned the money PayPal stole from him that I owe PayPal {$40.00}. I refunded the {$40.00} immediately. PayPal even confirmed that I refunded the money ( see attachment PayPal refund XXXX ) and that the refund had completed. I did my part and refunded the money. What PayPal did with it after I refunded it is not my responsibility. PayPal went on record and stated that the refund from my PayPal account to my sons account was completed. Now PayPal is trying to steal {$40.00} from me. I in no way owe PayPal {$40.00}. PayPal stole the {$40.00} from my son and that was fraud. My sons bank ruled in my sons favor and returned the money PayPal stole from him back to his card. How am I responsible for PayPal stealing {$40.00} from my son and telling lies to justify stealing it.? I am uploading the original conversation my son had with Paypal using their messenger. ( See PayPal conversation ) read it yourself. They told numerous lies. Nothing PayPal says can be believed. I am also uploading my conversation with PayPal where they claim I owe them {$40.00}. ( See PayPal lies volume 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
Paypal informed me on XX/XX/21 that my account was permanently frozen due to alleged violations of TOS. In the email, it stated the current balance of {$1800.00} would be held for up to 180 days as insurance against any chargebacks, disputes filed, etc. None have been filed by any buyers. At day 170 of the 180 days ( XX/XX/21 ), the entire amount was removed from my account for " damages to Paypal '' without any notification to me. Customer service can not tell me anything about my account or offer anything but canned answers. I requested accounting of realized damages that totaled this amount but they have refused to furnish this to me. The best thing they could offer is that I hire an attorney to send a lawsuit or have a law enforcement subpoena sent to their legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). ABILITY RECOVERY SERVICE violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).

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 2021-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have had enough of big banks stealing money from me because i did not sign up for overdraft protection and was taken for XXXX i am a XXXX veteran who was hit with by the pandemic i can not afford to be taken advantage of like this because they dont care can and will be homeless if cant pay their bills because of your outlandish fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
Dear CFPB Team, I have a mortgage with Citadel Servicing Corporation.

Due to the Coronavirus lockdown, we were forced to apply for forbearance which Citadel approved from XX/XX/2020 until XX/XX/2020. 
We then agreed on a payback plan which we honored and made full payments every month according to the contract we signed. 
However, there was a change in servicing within Citadel and due to that internal change, our new mortgage statements did not reflect the payment amount that was agreed upon in our payback contract.

We contacted Citadel and they told us that they were not aware of any payback contract or agreement and that no such notes were recorded in their system. 
We were advised to only send in the new lower payment that was shown on the monthly mortgage statements which we did every month on time.

Besides the fact that Citadel incorrectly reported us to the credit agency as delinquent, they had no idea that we had an existing legal payback contract. Therefore, I emailed Citadel a copy of the signed payback contract and advised them to remove any negative reporting on our credit. 
As per their suggestion, we applied for a new loss mitigation package. Meanwhile, they told us that they would honor the payback contract but only if we could pay the difference of the new lower payment to the higher repayment plan for the multiple months they did not bill us correctly. Due to our financial situation we were unable to do so and sent in our loss mitigation application. 
Today we received a letter that states that we have 30 days to pay off {$50000.00}. 
This is absolutely ridiculous and unethical. This complete mess was NOT caused by us but by Citadel due to the change in their servicing operation. 
None of this should be to our disadvantage since we kept our part of the agreement and were clearly harmed by Citadels sloppy payment department that did not know that we had a signed repayment contract. 
Please help us resolve this matter and start our new repayment agreement from this month on. 
Thank you very much. 
With best wishes, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01 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: GA

Complaint narrative:
Equifax has violated section 611 ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy On XX/XX/2018 I received my dispute results from Equifax. In the results it shows the account I disputed, XXXX XXXX  that had a balance of {$4500.00} deleted from my Equifax credit report. I just recently looked at my Equifax report and I see Equifax has reinserted the account back on my report without notifying me. According to the FCRA section 611 ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy it states, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion. Equifax did not send me anything in writing about a reinsertion which is a violation under the FCRA. Please remove this account immediately. It was removed in 2018. Please check attachment. It will show the account was removed in XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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 a victim of identity Theft. Someone got hold to my person information and Social security number. I believe it happened during the XXXX  data breach or the Experian data Breach i am not sure. I sent Experian and XXXX  a FTC report, report number XXXX regrading a fraudulent XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX reporting on my Experian and XXXX  consumer report. I have no knowledge of this account. I did not open up this account. Experian and XXXX  refused to block the account as stated under the FCRA section 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. Experian and XXXX  stated the account was verified, and declined to block this account. I am the consumer and i am the only person that can verify an account. No one else can verify an account that's in my name. So I need this account removed immediately. If Experian and XXXX  refuses to block this account, I want to know how this fraudulent account was verified, what method of verification was use, who verified that this information was accurate. Experian and XXXX  has not sent me any of that information as they should under 609 of the FCRA, but yet they are furnishing and reporting a fraudulent account to third parties. Also, as a consumer I have a right to privacy under the FCRA. Section 602 " Congressional findings and statement of purpose '' [ 15 U.S.C. 1681 ] ( 4 ) states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian and XXXX  is violating my right to privacy plus they are furnishing an inaccurate consumer 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 non-monetary relief
Consumer complaint received 2021-08-01 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:
I am a victim of an improper reinsertion. Federal law prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report unless the bureau receives a certification that the information is correct and then provides notice to the consumer that the information will be reinserted. After disputing the account, as of XX/XX/2019 Equifax showed no record of this account on my credit report and as of XX/XX/2019 the account was removed from my Transunion credit report. Recently, I realized that the account has been re-inserted into my credit report. I never received any notice regarding the reinsertion of this account. 
Previously, I have requested to see a complete list of all documents and correspondence in their possession that are associated with the account. This has been to no avail. There has not been any documentation sent to me. 
Therefore, I am requesting, in accordance with FCRA, that they delete this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XXXX of 2020 I sent TU, XXXX, XXXX  a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of 2020. I then sent copies of deletion along with ID documents to TU, XXXX, XXXX  through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XXXX XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/2020. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question

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 2021-08-01 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 a victim of identity Theft. Someone got hold to my person information and Social security number. I believe it happened during the Equifax data breach or the XXXX  data Breach i am not sure. I sent XXXX  and Equifax a FTC report, report number XXXX regrading a fraudulent XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX reporting on my XXXX  and Equifax consumer report. I have no knowledge of this account. I did not open up this account. XXXX  and Equifax refused to block the account as stated under the FCRA section 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. XXXX  and Equifax stated the account was verified, and declined to block this account. I am the consumer and i am the only person that can verify an account. No one else can verify an account that's in my name. So I need this account removed immediately. If XXXX  and Equifax refuses to block this account, I want to know how this fraudulent account was verified, what method of verification was use, who verified that this information was accurate. XXXX  and Equifax has not sent me any of that information as they should under 609 of the FCRA, but yet they are furnishing and reporting a fraudulent account to third parties. Also, as a consumer I have a right to privacy under the FCRA. Section 602 " Congressional findings and statement of purpose '' [ 15 U.S.C. 1681 ] ( 4 ) states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX  and Equifax is violating my right to privacy plus they are furnishing an inaccurate consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's DSNB has committed federal mail fraud pursuant to 18 USC 1341 & 1343 by sending me the consumer/natural person alleged debts requesting me to pay when they knowingly knew that the credit card/social security card provided by the United States of America. The also know that debts are the obligation of the United States pursuant to 8 USC 18 and 31 USC 3123.

18 U.S. Code 1005 - Bank entries, reports and transactions U.S. Code Notes Whoever, being an officer, director, agent or employee of any Federal Reserve bank, member bank, depository institution holding company, national bank, insured bank, branch or agency of a foreign bank, or organization operating under section 25 or section 25 ( a ) [ 1 ] of the Federal Reserve Act, without authority from the directors of such bank, branch, agency, or organization or company, issues or puts in circulation any notes of such bank, branch, agency, or organization or company ; or Whoever, without such authority, makes, draws, issues, puts forth, or assigns any certificate of deposit, draft, order, bill of exchange, acceptance, note, debenture, bond, or other obligation, or mortgage, judgment or decree ; or Whoever makes any false entry in any book, report, or statement of such bank, company, branch, agency, or organization with intent to injure or defraud such bank, company, branch, agency, or organization, or any other company, body politic or corporate, or any individual person, or to deceive any officer of such bank, company, branch, agency, or organization, or the Comptroller of the Currency, or the Federal Deposit Insurance Corporation, or any agent or examiner appointed to examine the affairs of such bank, company, branch, agency, or organization, or the Board of Governors of the Federal Reserve System ; or Whoever with intent to defraud the United States or any agency thereof, or any financial institution referred to in this section, participates or shares in or receives ( directly or indirectly ) any money, profit, property, or benefits through any transaction, loan, commission, contract, or any other act of any such financial institution Shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.

As used in this section, the term national bank is synonymous with national banking association ; member bank means and includes any national bank, state bank, or bank or trust company, which has become a member of one of the Federal Reserve banks ; insured bank includes any state bank , banking association , trust company, savings bank, or other

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 2021-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MO

Complaint narrative:
AFNI have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these violation. Afni has violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing false damaging misleading information on my consumer credit report.

I have sent a affidavit of fact regarding the laws under title 15USC 1692 and 18 U.S. Code 1341 Frauds and swindles AFNI has violated for attempting to collect a debt. I also mailed an Enforcement action, cease and desist and exhibits proving the violations.

AFNIs consent order requires Afni to take certain steps to prevent future violations and imposes a civil money penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This bank refuses to process or check my credit to see if I qualify for a credit card based on a previous account with them which I dont recognize having this is not fair Im a victim Of identity theft

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 2021-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX XXXX XXXX  has a defaulted account in my name for a XXXX XXXX store card I never opened. I had identity theft issues during the XXXX  breach a few years back. I disputed many accounts that came up in my name but have had a lot of trouble with this particular one. Ive disputed many times and other. Credit collection companies just pick it up again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Applied for Best Buy Credit Card specifically to purchase an item worth around {$1500.00}. During the application process, I was offered the Best Buy Gold Visa, and was required to accept the annual fee of {$59.00}, which I did. 

It was only after accepting the annual fee that I was advised the credit limit would not be sufficient to purchase the item I had specifically applied for the card to purchase. 

I contacted the issuer to discuss if an increased credit limit would be possible, which was declined, and at this point I requested the annual fee either be waived or refunded and was advised it is company policy not to waive or refund annual fees, despite the card not being suitable for the reason I had applied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief