vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, In XX/XX/XXXX, I sent around $ XXXXUSD to a trading platform called XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) using PayPal. On XX/XX/XXXX, PayPal notified me that due to new XXXX regulations, payments to XXXX would no longer be allowed and they closed my account. In consequence, I was unable unable to get my funds out of XXXX and I requested PayPal to reverse all the made payments to the broker because the merchant ( broker ) breached PayPal 's Merchants Terms and Conditions. However, PayPal refused to cooperate and reverse back the transactions. 

Here is the XXXX complaint that I have raised against PayPal : XXXX : XXXX Here are some useful links regarding the broker : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX is not allowed to offer their trading services to XXXX residents. XXXX XXXX was aware of the fact that I was a XXXX resident. Despite this, on the the XXXX of XXXX, XXXX, the Merchant : XXXX XXXX XXXX XXXX XXXX informed me that, due to XXXX regulations, XXXX XXXX would have to cease supporting trades by any client who is a XXXX resident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY

Complaint narrative:
Pursuant to 15 USC 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Cash should not be included in a finance charge it should be all credit INTERCONTINENTAL CAPITAL GROUP has taken over {$120000.00} in federal reserve notes as a downpayment and many other fees. Adding on INTERCONTINENTAL CAPITAL GROUP has not included insurance under 15 USC 1605b ( 1 ) which should have been included in the finance charge which makes them criminally liable under 15 USC 1611 for taking downpayment many other fees and not including my insurance in the finance charge. INTERCONTINENTAL CAPITAL GROUP has to return twice the finance charge. Pursuant to 7 CFR 1436.10 ( c ) the down payment may not include any trade-in, discount, rebate, credit, deferred payment, postdated check, or promissory note to the supplier or contractor INTERCONTINENTAL CAPITAL GROUP has received promissory notes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I FILED DISPUTE AND I DIDNOT GET NO RESPOND. I FILED DISPUTE REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

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 2021-12-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I FILED DISPUTE AND I DIDNOT GET NO RESPOND. I FILED DISPUTE REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

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 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I, XXXX XXXX entered a consumer credit card transaction with XXXX XXXXXXXX and in XXXX  sold my private information to Portfolio Recovery Associates LLC. Pursuant 15 USC 6802b XXXX XXXX never disclosed to me that I had the option to opt out of this transaction being reported. My social security number is an open-ended credit plan. Pursuant 15 USC 1692g I am the original creditor, natural person, private individual of this account. 15 USC 1602d the term " organization '' means corporation, government, governmental subdivision or agency, trust, estate, partnership, cooperative, or association, XXXX XXXX is a corporation. XXXX XXXX also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This credit arose from a credit card which is supposed to be excluded from my consumer report. My account was sold to a third party without my consent or my permission. As a natural person/ private individual, how can a corporation/ legal person sell or report my private information to a third party without my permission or my consent? Without my written permission it is Identity theft. Portfolio Recovery Association LLC has violated my rights as a Federally Protected Consumer. Several Federal laws under XXXX XXXX XXXX & XXXX XXXX XXXX have been violated and are noted in my Exhibits. I will also be reporting this identity theft to the FTC as well as the state attorney general 's office. Also, each violation is a fine {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
I received a " replacement '' Visa debit card in the mail, which looked like a real replacement card until I realized it had no bank info, the chip was just painted on, etc. I was supposed to call XXXX to activate the card, which I did not do. The envelope contained a " Checkwriting, ACH and Debit Card Services Agreement : Terms and Conditions '' printout, which cites " BNY Mellon '' as the overseeing company. The return address on the envelope is XXXX XXXX XXXX, XXXX, NE XXXX. ( My wife wrote " Visa debit card? '' on the envelope when she was sorting our mail. ) The " debit card '' is not plastic, it's just hard cardboard, but it's a good fake- if I hadn't been paying attention I could easily have been fooled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dealer XXXX XXXX XXXX ( XXXX, FL. ) ( * ) intentionally and fraudulently misrepresented buyer contract down-payment figures on a vehicle loan amount in order to desperately secure a loan from financier XXXX XXXX XXXX XXXX XXXX, CA. ). 

The consumer/ buyer notified XXXX XXXX of the fraud and a investigation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was launched. 

On or around XX/XX/2021 I had phone conversations with XXXX XXXX XXXX XXXX XXXX ) who confirmed that XXXX XXXX XXXX had demanded ( dealer ) XXXX XXXX XXXX 'RE-PURCHASE ' the loan. 

Since that time XXXX XXXX XXXX has refused my request for a copy of this demand letter and has reported the contents of the loan as accurate to all ( XXXX ) credit reporting bureaus. 

( * ) Reported that I submitted ( {$7000.00} ) dollar down-payment when in fact I only submitted ( {$3500.00} I don't believe I should be held liable for intentional misrepresentation and fraud in a fradulent contract.

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 2021-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result 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 2021-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-12-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-17 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In XXXX I sent a letter to the major credit bureaus disputing the information contained on my reports as most, if not all, of the reported information was inaccurate. By right they are supposed to correct or delete the information, none of which was done. After the conclusion of the dispute ( XX/XX/2021 ), all of the accounts disputed still report the same erroneous information, not to mention the fact that particularly one of the accounts shouldn't even be showing on my report. This is according to information reported from the original creditor, whom I contacted on XX/XX/2021 at the phone number contact listed on my report. According to the customer service representative XXXX with XXXX XXXX whose badge number is XXXX, they didn't even show an old account for the account number XXXX. So I asked why this account was even reporting on my credit in the first place, as it was negatively affecting my profile. XXXX agreed, but said the only way to get it removed was to dispute it with the credit bureaus, which was already done, and redundantly might I add. I let him know that the collection agency listed on the account also sent a letter confirming that they were ceasing collection of the debt. I then asked how it was that the credit reporting agencies verified the account information, if he couldn't even find any in his system for the account, to which he answered that he couldn't speak for the credit bureaus. What is the point of disputing to get inaccuracies corrected or removed if the credit bureaus don't even bother to properly verify the information they are reporting? This is not only a form of gross negligence, but also a poor lack of communication and is very arbitrary to continue to do this to consumers. The credit bureaus continue to do this and there is never any recourse, but this needs to desist before grave ramifications occur in revolt.

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 2021-12-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
XXXXXXXX XXXX did nothing wrong mortgage Company lies on XXXX XXXX workers Pennymac was the Company doing illegal work

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The XXXX XXXX XXXX XXXX ( credit bureaus Equifax, XXXX, XXXX, and XXXX ) doing business as XXXX XXXX XXXX XXXX requires individuals to pay postage to opt out of the database shared with XXXX marketers of prescreened or " preapproved '' offers of credit. Though the charge of postage is small, it is multiplied by the number of individuals in a household and in the 21st century, it is less and less likely that individuals will have postage stamps on hand. This is an unnecessary obstacle for a feedback mechanism mandated by federal law under the Fair Credit Reporting Act ( FCRA ). 

The industry website itself undercuts the alleged importance of this mail step, putting the apparent justification in quotes : " you must 'confirm ' your request in writing by submitting a signed XXXX XXXX XXXX form '' XXXX XXXX XXXX It's not literally confirming, just a process that, for purely legal reasons, must be considered confirmation-flavored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solomon and Solomon, P.C.
State: MA

Complaint narrative:
I already took care of what the credit card company wants in return. So tell this stupid collection job company of what they are trying to do which is collection fee 's interest. I already took care of what needs to be done. It's been taken care for about a year already. Back off I'm taking care of it already for a year now. The debit is to XXXX XXXXXXXX not collection I was told to take care of it before it went to collection and I did so take them off my credit report and stop mailing me fraudulent letters seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: FL

Complaint narrative:
My venmo account has been frozen and I don't know why, they refused to tell me why and now my {$2000.00} is in the app and I can't have access to it, my account was frozen on the XXXX of XXXX and I submitted my drivers license and it still hasn't helped me to recover my money, even when my account is verified I still can't Get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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:
I was checking my credit and i have to say that i got disappointed, Because it's not my account and You are still reporting this. I got letters which says, that they are agreeing, that this account was open fraudulently. I sent mail to this company and asked to send me proofs with my signature, they never send it to me. So means this is not my.

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 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I filed for a cash advance of {$250.00} from Ace Cash Advance. I dont remember the initial date, but I was employed but due to covid I was placed on a Leave of Absense due to not being able to work remotely. I have been telling ace cash express. The calls will stop then abruptly will start up again as early as XXXX to probably normal closing hours. 

At first I would stay in communication but then I started feeling like I was being interrogated like if they thought I was lying so I quit answering. Well, today XX/XX/21 to communicate I was still unemployed. Im getting foodstamps, I applied for rental assistance, I have no source of income. I went to let the lady know. I applied for a medical emergency. I literally almost lost my brother due to an XXXX. I didnt have time to save the money. I had to do it right then am there. Then she got hostile. And wanted to know how I got the loan if I wasnt working and then her tone just got agressive so I hung up. This is why I dont answer because she. It leads to the aggressive attitude and questions of interrogation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I checked my credit report and noticed that it has been used without my consent and there was and attempt to apply for credit in my name i talked this over with these companies ' numerous times i need this investigated and removed!! 

XXXX XXXX XX/XX/XXXX BB & T XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
This is an attempt to get rid of a debt that I have no knowledge of. AFNI. Says I owe XXXX XXXX for a debt that doesnt belong to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: MD

Complaint narrative:
After defaulting on one of my student loans, I had scheduled some monthly hardship payments over the phone. The first installment I had scheduled was in XXXX where I spoke to XXXX. She explained my limited options and suggested a settlement plan with their own private debt collection agency. Her explanation was brief and I asked where I could get more information on their specific program/policy. I was told they are common and I could do a generalized search online. I explained how I wanted something company-specific so I could understand what I would be agreeing to with no success. I scheduled 3 monthly hardship payments and ended up calling again in XXXX to schedule 2 more. During that call, I asked again for specific information for their settlement option. I was navigated to the bottom of their website for more something more specific but it ended up being a wild goose chase. This week, I sent a message to their customer support explicitly requesting literature for their settlements be sent to my email address on file. The next day, I was sent a generic reply to call their direct support line so they could better assist me. I do not think it should be this hard to make an informed decision about how I handle my debt.

Company response to consumer: Closed with explanation