vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 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: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I tried to make a purchase at a XXXX XXXX in XXXX, CA around XXXX. The amount was for {$100.00}. I knew I had enough to cover that amount but when I used the cash card associated with the wallet it was declined. I opened the app to see what was going on and I had enough money however there was a message stating they had closed my account. I also had received an email which I will attach. Supposedly some transfer of funds, of which I had not done any, any time recently, went against some policy. They refuse to explain what allegedly occurred and they will not reply to any emails and they do not answer their customer service phone. They pretty much hide behind a wall. The email states for me to withdrawl my funds to a debit card or bank account. I have tried 3 different cards and the only bank account I have that can receive that type of a deposit are all denied. On Tuesday XX/XX/2021 I decided to take another route of which has proven helpful with other incidents and companies. I used XXXX. I did receive a response. They said they were limited in what they could do, told me to add a debit card or bank account that had not been associated with a XXXX account to with drawl my remaining balance. As mentioned earlier, I attempted to add such methods of which 2 debit cards should not have been ever associated with closed account. Now no one will respond to me and I still have not received my money. It's not much, {$53.00}, but I desperately need it to pay rent, phone or food. I will possibly be out on the street because of this and am just asking for what is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently challenged the validity of XXXX XXXX {$2000.00} XXXX XXXX AND XXXX # XXXX {$9300.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$750.00} XXXX XXXX XXXX {$250.00} U S DEPT OF EDXXXX # XXXX {$84.00} U S DEPT OF EDXXXX # XXXX {$1500.00} U S DEPT OF EDXXXX # XXXX {$2500.00} and U.S. DEPARTMENT OF EDUCATION # XXXX {$2400.00} DEPT OF ED/XXXX # XXXX {$2800.00} DEPT OF ED/XXXX # XXXX {$15.00} DEPT OF ED/XXXX # XXXX {$3000.00} DEPT OF ED/XXXX # XXXX {$1300.00} DEPT OF ED/XXXX  # XXXX {$2100.00} DEPT OF ED/XXXX # XXXX {$800.00} DEPT OF ED/XXXX # XXXX {$560.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I had cell phone service with XXXX they sold to XXXX. I was not able to get service with XXXX and XXXX told me to go back to them. I did this for 3 months before I went to XXXX  because I needed service. I tried XXXX again in XXXX and still didnt have service in my area. They let me out of my agreement and I went to a provider that works in my area. I tried to do what they wanted but they refused me service. I owe nothing and this date of XXXX is incorrect. 
Service was XXXX XXXX and I believe part of XXXX. XXXX we were on cricket. They keep changing the date to keep reporting it.

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 2021-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS Account Resolution Service account # XXXX Creditor XXXX XXXX XXXX XXXX XXXX PA Amount {$1500.00} date XX/XX/17 I sent a certified letter asking to validate my debt because I have the right to have it validated. They failed to do so by sending me a letter in response with what I owe and has my name on it. That is it. 
I'm asking to have this debt removed from all credit bureaus that this debt is reporting to. They failed to validate my right as, Fair Debt Collection Practices Act, section 809-Validation of debts [ 15 USU 1692g ].

Thank you. 
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 2021-04-17 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

Complaint narrative:
we back XX/XX/2021 paypal put on hold my money amounting to XXXX US dollar but to date XX/XX/XXXX they email me that I can no longer access or use my money for withdraw even I made convertion to XXXX  money they put on hold it up to 180 days and its too long I badly needed my money. My Paypal email : XXXX You can no longer use PayPal At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive payments. Funds in your balance will be held for 180 days, after which well send you an email with instructions about withdrawing your funds. 


Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: FL

Complaint narrative:
I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: FL

Complaint narrative:
I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA 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 2021-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am disputing the past due amount that has been calculated for a private loan. Despite multiple attempts, Navient has declined to explain how they initially calculated the past due amount which now stands at XXXX ( I have brought the amount down with continued payments. ) I am also disputing the recent delinquency placed on the loan. I have continued to make payments on the disputed loan amount due. At no point have I stopped making payments. 

I have not been able to get answers to my direct inquiries to Navient. Rather than answer my requests for verification of debt and clarity of how past due amount was calculated, Navient has harassed me with phone calls and other letters with threats of delinquency and credit reporting to maliciously harm me financially. This is reprehensible behavior given my consistent payment record and the recent events ( weather disaster in state/pandemic ) that have so greatly impacted many individuals like myself. 

I have made consistent and accurate payments on my loans yet Navient has sought to exploit the debt owed on this particular private loan. I have made every attempt to pay, but also have the right to verify that what I am being asked to pay is fair and accurate. 

In an attempt to communicate my desire to resolve the issues with this private loan, I responded to a request in XXXX sent concerning settling the loan for an agreed amount. The letter ended up being false and deceptive. Navient did not respond to my attempt to settle the loan via phone. They then placed the loan in delinquency. 

Due to the deceptive, predatory, and hostile customer service of Navient it is nearly impossible to communicate with them directly. Every attempt that I have made to engage with them directly has always resulted in a negative confrontation. My goal is to pay my loan debt off under reasonable and fair terms based on my loan agreements. Navient is a hinderance to this process. Logging that attempts to contact someone was made is not sufficient evidence to justify Navient 's actions but a way to give cover for their abuse of borrowers by the use of delinquency and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: NC

Complaint narrative:
I recently sent a dispute letter toXXXX, XXXX  and Experian on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On XXXX XXXX I sent my money to my own email address, I was trying to read their support page about sending money to own eamil address and it clearly state they will automatically refund within 30 days, I also emailed Coinbase straightaway and they reply and say the same as in the support page to wait for 30days ang they will refund me back, 6 weeks past still i need not receive the money i emailed them back again and they said to wait again for another 15 days, this is getting rediculous anymore! The amount was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: NY

Complaint narrative:
PayPal limited my account permanent without any reason. XXXX PayPal. ( Ref ID - XXXX XXXX The processor PayPal has infringed in a violation of my consumer rights. PayPal has closed my account to prevent me from withdrawing my money to my bank account. Send them all the documentation they requested, bank account, photo identification. According to PayPal, accounts are blocked for unauthorized transactions, disputes, or chargebacks. I have no disputes, I have no chargebacks and I have always used my account respecting the policies and use agreement that are established in PayPal. The reason for the limitation was due to the withdrawals I made to my bank account. My account is XXXX I am scared that this company will steal my money and not allow me to withdraw it. I enclose all the evidences of how this company does everything possible so that I can not withdraw my money Account ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: NC

Complaint narrative:
I recently sent a dispute letter toTransUnion, XXXX  and XXXX  on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-04-18 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: NC

Complaint narrative:
I recently sent a dispute letter toXXXX, Equifax and XXXX  on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA ran a {$400.00} cash bonus when a checking account was opened and certain requirements were met. 

I opened an account online on XX/XX/XXXX with promo code XXXX. The promo stated that if I made a direct deposit of at least {$2500.00} by XX/XX/XXXX then I would receive a {$400.00} cash bonus by XX/XX/XXXX. The requirement was met on XX/XX/XXXX but the {$400.00} cash bonus has not been applied to the account. 

I reached out to BBVA in writing on XX/XX/XXXX requesting a status update on the bonus. I received a response on XX/XX/XXXX informing me that I had not met the requirements for the bonus. 

I responded in writing on XX/XX/XXXX with supporting evidence showing that the requirements were met. I received a response on XX/XX/XXXX dismissing my supporting evidence without adequate explanation and informed they would no longer review my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: NJ

Complaint narrative:
* Do not have access to my account for the last two days.

* Lost potential gains of at least US {$4000.00} so far due to inability to login to close my positions.

* Password reset doesnt work and they refuse to reset or give me a call back.

* There is no phone support.

* In the live chat, customer support claims password has to be reset manually but they haven't done that for two days.

* Have been persistently trying to talk to someone in the live chat. Average waiting time is two hours. Half of the time that I reached an agent, they say I'll get an e-mail, which I never get. The other half, the queue just resets and I go back to the end of the queue to wait for two more hours.

* As I was writing this complaint, I got an e-mail saying my account has been disable for security checks, and they won't allow me to login unless I send them an e-mail with a statement that would clear them from wrongdoing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
For over a year ARS has wasted my time and money as well as negatively impacted my credit on purpose on debt that I have NOT claimed. They have yet to validate the debts within the allotted 30 days and even upon receiving it was NOT a validation ; instead it was a typed " verification ''. The second validation request was ignored completely. This " verification '' also has my name incorrectly on 3 of the 5 alleged debts. I am XXXX XXXX XXXX XXXX. Maybe it is my fathers debt? Maybe some random stranger. Without validation I have no way of knowing. I have been given the wrong account balance multiple times due to, amongst other things, " XXXX '' and " clicking the wrong box ''. Their automated system actually says that I owe the {$0.00} for all accounts. They have also already lost a dispute from the credit bureaus for Taking a payment for a single account ( heavily documented ) and purposely spreading the payment across multiple accounts unfairly and HIGHLY against FDCPA. Due to their shady practices with the singular payment, they impacted my credit report by hitting it with five accounts for no reason. After " fixing '' it, it caused the accounts to be removed from credit report and re-added ; FURTHER damaging my credit report for no reason. I have been hung up on over 13 times in the last month alone for mentioning their FDCPA violations. I have been transferred to a " supervisor '' line 17 times, left 17 messages, and received ZERO response. I have been told by representatives that they were going to direct message the " supervisors '' and that they will get a hold of me as soon as possible. ZERO response. I am a XXXX veteran that has service connected XXXX XXXX problems that require me to record my phone calls. I let everyone that I speak with know that I do this because of mild to moderate short term memory issues. I have been hung up on with the following statement, " what you're saying doesn't allow you to record '', click, hung up on. Twice actually. I am currently in the process of logging complaints and disputes with all credit bureaus, the Oklahoma Attorney Generals Office, CFPB, FTC, and the BBB in multiple locations. I have kept very detailed notes, recordings, screenshots, logs of phone calls, and logs of violations. I have access to all of this and would be more than happy to share if needed.

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 2021-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I spoke with a representative from transunion XX/XX/2021 and I told them I do not recognize multiple inquires on my credit report Im a victim of identity theft and I wanted to get it removed immediately the representative denied me service and would not help me dispute the multiple inquiries on my account.

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