vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
ATTENTION : executive department of Paypal, CEO, In reaching out to a Paypal rep today about my chargeback of {$89.00} that according to her was made before my cancelllation request and company confirmation on XXXX XXXX, I took the suggestion of the company to cancel Paypal recurring charges, days after I independently changed the options on the website to " no recurring charges ''. I also put a stop payment on the company, XXXX, right afterwards they charged me the {$89.00}.

Currently, I have a few refunds coming my way through Paypal, and my fear is that Paypal will illicitly deduct {$89.00} from my refunds before providing me with the remainder.

Again, this is illegal, and infringes on my rights as a protected consumer. 
I request equitable and fair treatment as all human beings do as such. 
Most kind regards, XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I opened an online account with citibank and made my initial deposits with XXXX XXXX money orders. The checks have cleared but access to my account has been frozen. The initial deposit was made on XX/XX/XXXX. The bank is now demanding copies of the checks even after they have cleared. I sent a tracked package with notarized copies of said documentation. They have yet to even acknowledge receipt of paperwork, even tho I have confirmation of delivery on XX/XX/XXXX. I have called over 10 times and spent multiple hours on the phone trying to rectify the situation. I am not allowed to even talk to the department involved in the hold. Today ( XX/XX/XXXX ) I was informed that I would need to send the documents again, even though I have confirmation of receipt of delivery.

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 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This refers to XXXX # XXXX with Capital One. 
I have been a CapitalOne Quicksilver Credit Card customer since XXXX of 2006 and held that account in good standing with a credit line of {$30000.00} since its issuance. All payments on the card were made on time and the {$30000.00} credit line is important to be available for eventual emergency spending while on international travel. 

On XXXX XXXX, without cause or reason, I was informed that my spending limit on this account was reduced from {$30000.00} to {$10000.00}. Obviously such a dramatic reduction in available balance will have an immediate effect on my otherwise excellent FICO Score. I did write a complaint to Capital One asking for a reversal of that decision as there is no reason to punish my FICO score with the lowering of the credit limit, rendering the card practically useless for its intended purpose. Lowering a customer 's credit limit should be based on increased credit risk or a failed performance in accordance with the agreement, and not simply some short term, average balance consideration as it does have an immediate negative consequences on the financial status of a credit card customer. 

My letter was answered with a request to call customer service. The call itself today was basically useless, because the agent on the phone was in no position to address the real issue. The agent just suggested to wait for 6 months and then apply for a credit increase, which with all due respect is ridiculous, considering the facts of this case. 

I consider this practice of CapitalOne to be misleading as they offer customers for the first 5-10 years a reasonably good credit line, then, once the card use is established and the cc number used for a lot of recurring purchases, the credit limit is randomly lowered without cause or reason, making it hard to change all recurring charges back to a different card. The decrease of a credit card limit must always be based on an increased credit risk for the lender and not just a random occurrance without cause. If the lender can not support the credit risk posed by a customer, then the bank should never grant a high credit limit from the outset. It must be taken into consideration that the reduction of a credit limit has an immediate effect on a customer 's FICO score and therefore his financial standing. This practice is in my opinion wrong and should be investigated by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have over 20 open accounts which consist of 1 mortgage account, 4 vehicle accounts from XXXX XXXX XXXX XXXX, 9 credit cards, etc. and over 30 closed accounts which consist of 2 mortgages, several personal loans, etc. However, Equifax is missing ALL of my accounts. None of my accounts and great payment history is being reported on my Equifax credit report. 

Then they are reporting 4 old collection accounts which have been paid and deleted by the collection agency per our payment agreement. I have tried to resolve this with Equifax to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
We have had this deplorable issue with PayPal since XX/XX/2020. 
Still no resolution. 

One of our cards got hacked in XXXX. Took 45 days to somewhat resolve, still not answer to inquiries. 
The replacement card could NOT get activated for days! 
The account has been blocked since XXXX It is impossible to get an answer as to WHY. 
My son could not add money to send the child support payment last month My son could not send his share of the phone bill payment My son had to walk about a mile to take a bus, I had to pay the full amount of the phone bill. My son can not order food, nor use XXXX or XXXX I am unable to receive payments from my clients, and risk that I end up with no shows. 
I needed the {$600.00} owed to me to pay for my car repairs. The transaction was DENIED for no reason, leaving me with no transportation and in a very demeaning, embarrassing situation. 
My health is suffering, so is my sons. 
Why am I and my son- who shares my account- being retaliated against? 
PayPal owes us a huge compensation for emotional distress, pain, and suffering, and then some! 
XXXX is highly responsible for this as well! 

Please read the full description on these list in the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diverse Funding Associates LLC
State: MO

Complaint narrative:
I have started receiving all these attorney letters stating a company named DNF associates filed a lawsuit against me for an unknown debt of XXXX no name or what the debt is ... I havent received documentation nothing about this debt I dont even know what this alleged debt is for??? They have not attempted to contact me or anything Im disputing this ... .I can not have a judgement on my credit report for a debt I dont owe or know ... COURT!?? Are you serious garnishment who are these people court case is XXXX ... .I dont want a judgement for some allegedly as little as XXXX ... .i work hard to maintain the decent FICO score I do have ... AGAIN I am disputing this debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
This account does NOT belong to me. It was recently added to my credit report. I disputed and requested documentation which I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$180.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I do have a letter from XXXX as the data furnisher stating they have " REMOVED '' the bankruptcy from my report. also I have a letter from the bankruptcy court stating they do not share or verify information with credit report agencies. So please either provide me with the method of verification you used in your verification process or remove this bankruptcy from my credit file to not being in violation with the FCRA. 
Also ask the data furnisher XXXX or the bankruptcy court. and provide me with all the verifying process details, such as the person 's name who you have verified with, their address and phone number. I am providing you with a copy of the bankruptcy court stating emphatically that they do not share or verify information with any third party such credit report agency. so the response i received from Equifax claiming they have verified with the bankruptcy court is a big lie, they are violating the FCRA. 
According to the FCRA the information should be verified with the original source or creditor, i do have a letter from the bankruptcy court stating emphatically that they do not share or verify information with third party such credit report agencies, also XXXX as the data furnisher has sent me a letter stating that they have removed this bankruptcy from my XXXX report. so as Equifax is unable to verify this information accuracy with the original source, you should remove this bankruptcy from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
harassment and unethical demand of american express employee from XX/XX/XXXX i had 2 accounts with american express i was never late on any account payments were always made promptly on each account suddenly i was even given an unsolicited credit line increase about 6 months later i received a financial review requesting a nearly {$5000.00} on a revolving account the payment was made i continue to receive email requests for documents or large payments about six times i was so concerned that i contacted american express thinking it may be a scam in today 's culture of scammers i continued to cooperate with theses untimely unprovoked request until around the end of XXXX after spending over {$10.00}, XXXX cutting balances in half sending tax returns and and pay stubs at this review persons request finally at the end of XX/XX/XXXX i received a call from the review team at nearly XXXX XXXX  and the woman asked me to submit a copy of my employers last 2 months bank statements i told her that that was an unethical request and assured her that i would get in trouble her response to me was the following ( your employer doesn't have to know ) i refused the request and in a few days both of my accounts were subsequently closed ( the unethical request is on tape. ) this treatment was shameful and deserves to be published in some large corporations like American Express there are people who have there own XXXX  agendas this was my experience with American Express XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX the XXXX of 2020 I notice a XXXX transaction and immediately called BB & T while I was on the phone 3 more transaction pops up on my : DEBIT, CREDIT and CREDIT LINE. Luckily the report was made and the bank suspend the account and recommend me to approach to the branch because all my information was compromised so then i can changed all my account with them. 

Unfortunately 2 days after all this happened another FRAUDULENT/ UNAUTHORIZED transaction was made with the same name and amount that was on SATURDAY XXXX the XXXX of 2020 ( XXXX ). I went straight to the branch that is located on : XXXX XXXX XXXX XXXX TX XXXX when I arrived there I spoke to the branch banker IV telling me that due covid19 situation I have to make an appoint until Monday so basically they could still take more money from my account because nobody cancel it that day ( they suppose to do it online, on the phone since the XXXX ). 
On Monday XXXX I went to my appointment at XXXX XXXX  : 1. My bank account where the fraud was made at this point stills open because is under " investigation '' so this person took another {$1000.00} dollars from the account by XXXX. 
2. The branch open 3 new accounts to replace my old ones and they gave me a physical paper regarding the claim. 

On XX/XX/XXXX of 2020 ( XXXX ) the bank send me a letter which i actually received on the mail on XXXX THE XXXX OF 2020 notifying me : The investigation was concluded regarding the electronic fund transfer claim date XXXX in the amount of {$1000.00} dollars they do not find that an error occurred, therefore, no funds will be deposited to your account as a result of your claim. 

Today XXXX I called the bank because I still not have the refund of the money that they took fraudulent from it, the lady that answered me the phone told me that I authorized the transaction or maybe I did it by mistake because of the IP address was right and there's nothing the bank cant do about it. 

The last money transfer from XXXX of my account with my consent was on XXXX and I received an e-mail confirming that I send that amount thing that didn't happen with the 3 different transactions that this person did to me.

This investigation must be RE-OPEN again I demand it!. As the Bank that you are, you must to answer to me for the fraud caused to my account and the delinquency expenses that you also incur. 

You must prove the evidence that supports the claims decision base on facts not on " maybe you did a mistake '' that's what the lady on the phone told me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$25.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$63.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America is reporting a delinquent credit card to my credit but can not provide any validation of debt. I was referred to another company, XXXX XXXX, and they have no record of the account at all. BoA will not provide an address for a letter of dispute. They can not tell me how the account was opened, receipts with signatures, or who made any payments. I am not familiar with this account but they will not remove from my credit after multiple disputes, nor will they provide proof it is 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 2020-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Around XX/XX/XXXX I received a bill from XXXX. On XX/XX/XXXX I used my Barclaycard Rewards Mastercard and my XXXX XXXX  card to pay the bill from XXXX. XXXX XXXX  is a service that allows you to generate a random, temporary card number before you make a payment to increase your security. Because I was going to pay citi over the phone, I wanted to be as secure as possible. Although I was not receiving any cash from this transaction, The charge was for {$4500.00} while my Barclay card has a cash advance limit of a mere {$1800.00} so it did not occur to me that it was even possible for this to be classified as a cash advance. Nevertheless, when I logged into my Barclay account on XX/XX/XXXX there was a cash advance fee of {$220.00}. I called and was told that the customer service rep can not waive this fee and can not transfer me to a manager but that I  would be called back within 2 days and I was given case number XXXX. On XX/XX/XXXX I received a voicemail from a manager the next day and called her back within the hour but was connected to a frontline rep who couldn't transfer the call or resolve the issue and was again told I would get a callback. Fearing that this would stretch into eternity, I went ahead and paid off my balance in full for fear of the insane interest rates they must surely be charging me. Finally on  XX/XX/XXXX I spoke with a manager on the phone. I sent the manager copies of the relevant statements showing that I did not receive any cash but in fact had paid a bill. The manager said she can not waive the fee.

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 2020-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I went to Enterprise Car Sales in XXXX, PA to purchase a vehicle, XXXX XXXX XXXX. I filled out the credit application prior to so they can ensure that I was able to get a car loan since this is my 1st car loan. XXXX from XXXX XXXX XXXX  in XXXX, PA then connected me with Westlake Financial Services. Westlake financial services offered me a loan with a down payment of {$2600.00}. My car payments roughly would've been {$400.00} a month, which is what we agreed to. On XX/XX/XXXX ( Almost a month into the contract ) XXXX from XXXX Car Sales call me and states that Westlake Financial Services was not able to finalize the car loan just yet. They asked me if I can provide {$3000.00} more that day, I told them I do not have {$3000.00} more just out of the blue just to give you when we agreed on a {$2600.00} down payment. They claim the reason for this was because my credit score was not high enough? Which is what I am confused about. They showed me my credit score and I signed the papers from Westlake Financial Services, so we mutually saw my credit score and agreed to my rate. Westlake Financial Services claim that they " found more credit '' ( my name was legally changed years ago ) and without the higher down payment then I would have to return the vehicle. I'm just confused because my social security number never changed? Just my name. People change their names  everyday for various reasons. Since I am an identifying XXXX   XXXX and my previous name was a male name, for some reason they start referring to me as " sir ''! I'm just unsure what to even do.

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 2020-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a debt showing on my credit report from progressive dating XX/XX/2019 when I had XXXX  at the time and before that I had XXXX. It shows I have a debt of {$280.00} owed to XXXX  which is false information. I requested for this item to be removed and nothing was done.

Company response to consumer: Closed with explanation