vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I sold products to a client in XXXX. A few hours after PayPal accepted the clients money, they sent me a mail stating that they are closing my account and they have seized my funds. I asked them to return the funds to several clients who had paid on the same day since it would be unfair to deliver these items if I would not be paid for them. 

On the XXXX XX/XX/2022, one of those clients wrote to me and informed me that according to PayPal, I had lodged an appeal to not return the money. 

I told the client that I would never do such a thing, and that it must be a mistake. A few hours later, I received a mail from Paypal which referred to " my appeal ''. Within the same minute, I received another email from PayPal stating that my appeal was rejected and they then took a rejection fee from my account and charged me for the refund. 

This is clearly fraud. I made no such statement. I wrote to the customer support, and they replied with an incoherent and unrelated " copy and paste '' response. 

I made contact with XXXX XXXX ( XXXX ) and XXXX XXXX, XXXX ( XXXX ) on several occasions, but they have ignored my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am a XXXX XXXX XXXX. I must have a credit report to submit to the state governing agency before I can obtain my renewal license. I have retrieved my credit report on several occasions utilizing the free annual credit portal. I have not changed any information at all. Yet, the three credit reporting companies will not allow me to access my reports online. I have to wait as long as 2 weeks before receiving it in the mail. This is untenable as I need it now. I can not practice XXXX  without a XXXX XXXX XXXX. 

Their actions will have a devastating monetary effect on me. 

XXXX has promoted inaccurate information on an heir property where my name appears as an administrator as my home address, which has never been my place of abode. In other situations, as a Realtor, I have served as a fiduciary for my clients and was required to have my information along with my company registered as the point of contact. No matter how much I have attempted to have the companies recognize my address I have used for several years they refuse to do so. I believe there exists a XXXX and XXXX nuance as to why these companies have created a problem for me on my reports. They can not conceive how I am affiliated with several addresses which I have absolutely never connected with my personal affairs. 

I have tried to get that corrected to no avail. Additionally, XXXX XXXX is reporting a delinquent account to XXXX XXXX, which is untrue. I have tried to get it corrected on many occasions and can not. I have a 100 % payment record with no delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX continues with their systemic institutional XXXX XXXX XXXXXXXX inequality procedures in improperly ordering a unauthorized hard credit report inquiry on my credit reports WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate hard inquiry from my credit reports.

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 2022-02-09 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Didnt give this company any authorization to check my score, and would like these inquiries to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank double charged me for payments in XXXX and withdrew monies without my authorization XX/XX/XXXX ~ {$430.00}. I paid the total amount due of ~ {$430.00} on or around XX/XX/XXXX and TD credit card charged me again although the balance due on XX/XX/XXXX was XXXX and the amount required was already paid. TD stated they would reverse the error and never did. 

In addition TD does not report payments and credits in a timely fashion. Charges and debits are posted to my account over XXXX days after the transaction occurred. TD customer service was unwilling to resolve the issue and left my card to be charged by unauthorized users honoring payment even when I had reported my card stolen/lost. TD credit card company is a risk to the consumer with their latent and insecure credit card platforms and finance methodologies which are subpar and below average for a global bank with risks and diverse customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09 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: Southern Auto Finance Co
State: FL

Complaint narrative:
Didnt give this company any authorization to check my score, and would like these inquiries to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Real Estate Attorney XXXX XXXX ( with many many aliases in many states and large family fraud scheme circle ) also undisclosed Real Estate Title Attorney for XXXX XXXX XXXX working with XXXX XXXX XXXX escrow closer for same title company posing as an escrow officer, realtor XXXX XXXX also dual agent and managing broker for XXXX XXXX  XXXX XXXX XXXX XXXX County Recorder, XXXX XXXX XXXX XXXX XXXX  aka XXXX XXXX XXXX XXXX XXXX real estate attorney. XXXX county recorder is backdating for bribes ( only explains why these documents are suddenly showing up after repeated research and I have the original forms in hand ),. XXXX XXXX XXXX ( many aliases, many states ), is back filing with back dating files to cover for her large-scale scheme defrauding sellers in distress with large amounts of equity and XXXX XXXX and XXXX XXXX recorder participating in fraud. My warranty deed that just was filed yet dated XX/XX/XXXX but warranty deed signed XX/XX/XXXX when closing occurred XX/XX/XXXX and all through docs says send to myself and not my real estate attorney XXXX XXXX. I was defrauded of approximately 100,000 dollars with false liens etc and false forms and straw buyer. False POA, closing supposedly on XX/XX/XXXX yet XX/XX/XXXX ( XXXX XXXX XXXX ) completed after fraudulently ecrow advancing large sums of money and ALL closing costs from escrow to falsely inflate payoff statement only to repay hours later after closing on sale where attorney with the aide of XXXX ecrow closer repaid all closing costs and LIENS not paid off and 2 completely fraudulent and per IRS both state and federal, liens llikely fraudulent and not yet paid. ALL persons involved refuse to speak with me and XXXX XXXXXXXX XXXX with XXXX works for XXXX XXXX XXXX.!! 

I VERY MUCH BELIEVE THE BUYER XXXX XXXX DOES NOT EXIST. 

PLEASE CALL OR EMAIL AS i AM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
i have attached the three credit burau reports. Advantage formally was named XXXX loan company. now they're named XXXX. XXXX would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to SSA and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc

Complaint narrative:
I live in multiple countries. ( XXXX XXXX, XXXX & XXXX ). I travel allot since my business is located in XXXX. 

I used PayPal to transfer money between these countries, and then deposited the money into the local bank so that I have money available to use in that country whilst I am there. 

In early XXXX, I sent myself money from my XXXX  XXXX PayPal account to my XXXX PayPal account. 

When the money arrived, I noticed that PayPal had charged me a fee of XXXX for the transaction. PayPals website specifically states that I will not be charged for a transaction between personal accounts. I contacted the customer support, who agreed that there was an error and told me that they would refund the transaction fee. 

On the XXXX XX/XX/2022, I contacted them again to ask when they would be refunding my fee, and within two minutes, I received notice stating that they have seized all of my money and closed my accounts. 

On XXXX XXXX, I received a notice stating that my funds are available, and yet I am not able to get the money from PayPal into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
I met XXXX XXXX on linked in and we became close friends he helped me get off XXXX we tried to create an orphanage that failed due to XXXX credit and their sabotage of multiple transactions xenophobic handling apocryphal fees and mishandling of transfers and we suspect hate crime i later became a security guard at XXXX XXXX to have my phone and record searched and sorted and verified no fraud on my end nor XXXX XXXX then XXXX XXXX  also dropped our business then investigated us and determined no fraud no crime nor scam this then leads us to suspect fraud against foreign banks seniors and mentally ill like me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they lost thousands bait switched fees then charged me for a fraudulent check and say I owe them yet can't produce an image of the check and I would like them thoroughly investigated and will pay what I owe again due to my experience i do not trust them and feel the need for your assistance XXXX We need to access the files we are precluded from online banking yet they send us impossible links as a senior and mentally ill person this is hateful cruelty the representative XXXX XXXX only partially Sent incompetent data and attempted to bully me without acknowledge the theft on their part and bait switch practices please note I will pay what I owe but based on my experience with XXXX XXXX  XXXX XXXX XXXX  and XXXX XXXX I simply can not rely on the verification of Alliant Credit Union at all and would like them investigated please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Capital Eleven Auto, LLC dba Capital Auto Loan
State: CA

Complaint narrative:
I was in a car accident XX/XX/2021 my car was totaled in the accident and my insurance was going to pay them off so I called them the day I was hit and told them I wasnt going to pay my bill because I was just in a wreck nd insurance was going to pay for it. They said thats fine and the car was paid off in full by my insurance in XXXX and now there saying I missed a payment when they knew exactly what was goin on and they said it was no problem now it shows I have a missed payment I never missed a payment the insurance company paid it off. Why would I make a payment when they said they were in the process of paying it off that doesnt make sense. Capital one was a nightmare to work with and I feel like this is them coming after me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have attached the three credit burau reports. Advantage formally was named XXXX loan company. now they're named XXXX. Sh would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to XXXX and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.

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 2022-02-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
i have attached the three credit burau reports. Advantage formally was named XXXX loan company. now they're named XXXX. XXXX would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to XXXX and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: GA

Complaint narrative:
i have attached the three credit burau reports. XXXX formally was named XXXX loan company. now they're named XXXX. XXXX would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to XXXX and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.

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 2022-02-09 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Im not sure at this time but let 's call it 15 years ago. My credit card info got stolen. Alot of charges took place on my name. Fast forward now my paychecks are garnished XXXX per week. I cant live on whats left. Not after since the pandemic. Im just starting to catch up now this happens. Im ruinined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: TX

Complaint narrative:
trying to collet amt not owe, the DR did not response to health ins inquiry, there for i am not paying it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Account isnt correct and needs it to be removed

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 2022-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Company gives you the impression youre getting an unsecured personal loan when in reality is a secured loan, secured by fictitious goods made-up by the underwriter. Without your consent they add collateral items such as electronics to the contract that you have never told them you own, they do all this without consulting you and rush to sign the documents and tell you nothing about what theyre doing. It wasnt until after I signed that I read my contract in full and found this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
XXXX XXXX Vervent inc. have been willfully and unlawfully violating my rights as a consumer and I have proof. XXXX XXXX / Vervent have been attempting to collect a debt and reporting negatively on a closed account that was previously deleted off of my credit report. Somehow without my consent XXXX XXXX Vervent and XXXX reopen a closed account and Negatively impacted my credit profile, bringing harm/ pain and suffering to my/ family 's livelihood. 

In a previous complaint back in 2021, XXXX XXXX Vervent resume responsibility of my presumption calling it an " oversight '' ( please see attached letter as proof where they admitted to me closing the account and them ( XXXX XXXX  ) continued to bill my authorized cardholder 's account, which is illegal ). please see pictures as proof of deletion after the first complaint. This is Fraud and against the Law Pursuant to 15 usc 1692 and many more.

Company response to consumer: Closed with explanation