vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 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: CA

Complaint narrative:
PayPal has closed my account and will not help me With getting it back up and going i am not sure if this is a Mistake as I assume it has to be. I have not been able to get help From them for months And I feel like they are not doing there job my linked PayPal email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason, I've been trying to ask for help from their customer service, but they are always offline. I heard that I can file a report here because I think they are not doing their job properly. I desperately need my money for our everyday expenses. I hope you can help me with this matter. My email linked to my Paypal account is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital One Credit card scam. 
I had Capital One - VISA credit card, for about 10 years, with the same address and phone number, I accumulated over XXXX XXXX credit rewards and I indicated last year to the customer service representative that I am interested in redeeming them but the Epidemic changed the plan. 
To my surprise my card was declined in earlyXX/XX/2021, and when I called the capital one I was told that there was fraud involved - they did not elaborate what - and that the account was restricted, and when I asked about the rewards they said that they are off limit until the fraud - investigation - is complete, when asked how to lift the restrictions I was asked to send my driver license 2 faces, social security card and proof of residence. suspicious of these demands I decilned and offered to take these documents to one of there Local Branches and show it to a customer service person, but they declined, to tell the truth credit card companies are the target of hackers all the time and i do not trust them with these Documents. 
they still send me e-mails and bills to my address, and today I called and asked to fix the matter but i went no where, and when i demanded that my cash reward be mailed to me in a check they declined too. 
Now I do not care about the card - I have others - but I firmly believe that they created all this problems to scam their customers out of their Sky miles and cash rewards because what will prevent them from just simply give me a credit with my rewards there has to be a law against their unreasonable requests of sensitive Documents and denial of the rewards that the customer is entitled to receive and if they did this to me i think they do it to others

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$4000.00}, {$23000.00}, {$28000.00}, {$2200.00}, {$4700.00}, {$2600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. AXXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$1000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
I received a mail saying I owed money to XXXX but I never used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: MO

Complaint narrative:
They are reporting third-party information that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This complaint is being sent to the bureaus due to an unsigned letter of debt and several listed errors on my credit file.Please be advised that the items below are disputed and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 

This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that a re-investigation with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, please advise all debt account companies shall cease all verbal communication. No phone calls to me or my job. 
Due to this fact ; if any negative mark is found on any of the credit reports by these companies or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) Please provide verification or delete these items : XXXX XXXX CU # XXXX, XXXX XXXX # XXXX, XXXX XXXX, # XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This complaint is being sent to the bureaus due to an unsigned letter of debt and several listed errors on my credit file.Please be advised that the items below are disputed and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 

This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that a re-investigation with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, please advise all debt account companies shall cease all verbal communication. No phone calls to me or my job. 
Due to this fact ; if any negative mark is found on any of the credit reports by these companies or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud XXXX Please provide verification or delete these items : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX, # XXXX # XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
This company loaned me money through a title loan that was originally XXXX I ended up asking for another loan of like XXXX or so. For some reason they show I have refinanced this loan like 3 times and I have never asked for them to refinance it. I haven't seen any additional money besides the original and 2nd transaction. After 3 years they are only showing a paid amount of like XXXX and I pay XXXX there is seriously something not right here. The company is trying to get over on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: CA

Complaint narrative:
I received a mail saying I owed money to paypal but I never used it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I've been with this company since 2017 and have never been late or had an issue. I was consolidating some credit card debt and went to pay it off and they denied the payment. In the meantime, I still had automatic payment set and had switched it to full balance because I thought the other payment went through which it didn't. So I had my bank stop the second payment After I tried to get them to stop it. So then my credit card had a credit on it of XXXX I believe. Then they charged me charge refunded payment fee. And ever since, every payment I've tried to make they've stopped the payment and charged a return payment fee. I've called five times and they just won't budge and reverse any of the charges so I close my card after I paid it off today. I thought I had paid it off a few weeks ago and then I looked at it today and there was {$190.00} again from these fees. I want my {$100.00} XXXX {$29.00} XXXX, {$40.00} XXXX XXXX, {$40.00} XXXX ) back and the interest I paid on these fraudulent fees. Even the final payment I made today shows it was returned and than processed like all the others and they better not charge me another fee. Again I have never had any issues until I paid the balance off. This is RCI Barclay credit card.

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 2021-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  Equifax and XXXX  are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/XXXX, XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have inquiries on my credit report that are inaccurate. I have 4 XXXX items that are incorrect and should be removed immediately XXXX, XXXX, XXXX and XXXX. Also, XXXX XXXX XXXX and XXXX XXXX are incorrect. Ive reach out to your customer service department, they did not help me to remove the negative inquiries reporting to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV

Complaint narrative:
USAA Savings bank credit was called about issue. Issue was resolved for 2 years. Suddenly, bills started appearing again. I do not owe any $ $ XXXX No goods/services were purchased on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi there my name is XXXX XXXX. 
On the dates from XXXX I was fraudulently sent money over XXXX through Wells Fargo to an unknown person. They have blocked me from several numbers and Wells Fargo hasnt denied claim I submitted. Total Amount is {$3500.00}. The number I XXXX was XXXX. I hope you guys can help me get back my hard earned money as I have a XXXX year old daughter and rent I am solely responsible for. I appreciate your time 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 2021-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
There are five steps to submit your complaint : Step 1 : What is this complaint about? 

Ocwen serviced my loan and now PHH Mortgage is. 10 years ago we did a loan modification and now we are trying to refinance and we can't because there is a second lien on the home. According to the loan modification, there should not be a second lien because we did a loan modification. We have never been charged on this lien and I looked on FDIC and the bank doesn't even exist for that lien. This is the XXXX  XXXXXXXX XXXX Florida, XXXX XXXX. 

Step 2 : What type of problem are you having? 

We can't refinance our home because there is a mysterious lien on our home. 

Step 3 : What happened? 

We did a loan modification with Ocwen over 10 years ago and now we are trying to refinance the home and we can't. I have tried several times since XX/XX/2020 to ask the bank to help me figure this out although they never have an answer for me and they keep on sending me to " escalation '' in which they don't even help me. 

Step 4 : What company is this complaint about? 

Ocwen, although they are now called PHH Mortgage Bank. 


Step 5 : Who are you submitting this complaint for?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
OnXX/XX/2021, Isent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal BANNED/CLOSED my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months, I even verified all info needed for my account to operate as needed. I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX Please help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp
State: LA

Complaint narrative:
I entered a consumer credit transaction with LENDING CLUB and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that LENDING CLUB claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. LENDING CLUB has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
On XX/XX/2021 XXXX had a collection agency put a collection on my credit for a XXXX account at an address that is not mine. I found a police report several months ago with XXXX XXXX sheriffs office and provided that to XXXX XXXX XXXX global  fraud support. They claim this does not cover XXXX. When I call XXXX I get the runaround. I have tried to buy them with information and they keep trying to collect as well as the collection agency

Company response to consumer: Closed with explanation