vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 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: NV

Complaint narrative:
PayPal suddenly 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. They suddenly closed my account without any reason and I have not been able to get help from them for months but I just remembered I could file a report on here. I am unable to get any help from them and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I contacted someone via XXXX  regarding available concert tickets to a local event. The poster indicated 4 available tickets. When I reached out to the poster, I was advised they would agree to sell 2 tickets for an agreed price, {$60.00} each. We exchanged emails and I submitted a payment via PayPal. Upon my payment, the poster responded back to me that XXXX ( where the supposed electronic tickets were held ) would not allow a partial transfer of tickets and that I would now need to buy all 4 tickets. I advised I would not proceed and wished to cancel to transaction. The poster did not reply. I was able to make a dispute online with PayPal within XXXX  minutes and also connected with a service representative who informed me that since I selected the friends and family pay option, I was not eligible to dispute the charge. As a consumer who uses PayPal to pay for goods and services with traditional retail establishments, it is not easy to distinguish when you are paying an individual ( not retail ) that would land in the friends and family versus choosing paying for goods and services which feels like it is associated with a company. In totality, I feel like I was scammed, PayPal has the funds delayed to pay to the recipient until XXXX XXXX XXXX, and PayPal is not willing to take steps to prevent the payment. I was advised to go dispute with my bank, which I can do, however it seems like this should be a solvable issue for the payment provider to get in front of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America prepaid had my debit card stolen back in XXXX of last year Bank of America finally fixed the case in the beginning of XXXX giving me my money back in the amount of XXXX. Today Bank of America issued a credit of XXXX to my account again and then took XXXX XXXX time out of my account. Leaving me now overdran by XXXX. The XXXX issued money to me after fixing my XXXX claim the had been suspended since XXXX of last year. I was able to get my money from XXXX of this year to present just last week. And now a week later Bank of America does this. I'm on hold with them as I am sending you this email. They are saying that the have no record of the XXXX  giving me my money back even though it shows in my app and bank statements that the XXXX has given me my money.

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 2021-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Pursuant to my consumer rights under FCRA 1592 ( g ) I am the original creditor. As the original creditor I do not validate this debt and it should be removed. The law also states that accounts are voluntarily reported. There is no law that states that a account has to be reported. It is always up to the company 's discretion to remove it. This account is not valid and should be removed from my credit files. Wells Fargo is in violation of my consumer rights by failing to provide original debt validation documents as requested and failing to remove this account. PLEASE STOP SENDING COPIES OF CONTRACT, COPY OF A ONLINE APPLICATION AND COPIES OF DATABASE TRANSACTIONS as that is not valid verification under the law. As I am the original creditor I am demanding for this account to be removed immediately.

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 2021-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: D2 Management LLC
State: AR

Complaint narrative:
Ive been making payments for my student loans to a company called D2 Management who i thought was handling my loans, turns out that they haven't and XXXX XXXX has no reported payments on my loan. I was told by D2 that they worked with them but tirns out that they do not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have send left to transunion llc XXXX XXXX XXXX XXXX PA XXXX asking where did they obtain information on my credit report of a bankruptcy. The letter that was sent to me stated verified as accurate. They have not advised me of who or how they obtained that info.

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 2021-06-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have included information on accounts that are are reporting and not mine. 
1. CREDITOR : SANTANDER ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/2019 BALANCE OWED : {$30000.00} BUREAUS TO DISPUTE : XXXX XXXX XXXX 2. CREDITOR : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/2019 BALANCE OWED : {$20000.00} BUREAUS TO DISPUTE : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've contacted Transunion multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave Transunion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request.

In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 

1. XXXX - XXXX XXXX 2. XXXX XXXX XXXX Delete Late Payment 3. XXXX Original creditor : XXXX XXXX XXXX 4. XXXX XXXX creditor : XXXX XXXX These accounts are individual actions, they must be delete immediately.

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 2021-06-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX I called a company name XXXX XXXX XXXX with an inquiry dated for XX/XX/XXXX. listed on my credit report to request a copy of the credit inquiry or credit account and full documentation bearing my signature allowing them to pull and place a credit inquiry on my XXXX and Equifax credit report. I spoke with XXXX in customer care, who was very rude by the way. She could not find an account nor a credit inquiry with my name or SSN as well. She connected me to someone else by the name of XXXX in customer service who didn't have a badge number as well, that there is no account nor a credit inquiry with my name and that is all the information they could give. They didn't care to hear my concern about the false credit inquiry, being reported and damaging my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX Date opened : XX/XX/XXXX Date account charge-off : XX/XX/XXXX Amount : {$810.00} Midland Credit Management is the debt collector that sent me this report regarding this case. Someone is using my personal information using the last name from my last marriage 15 years ago. and i am not familiar and never live in the address stated in statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Some 3rd party company names XXXX XXXX XXXX XXXX XXXX XXXX WORKING FOR SCAMMERS XXXX is listedClosed on the credit bureaus is on my credit. This company has a bad reputation and deals with shady timeshares. They are trying to collect a XXXX  balance collection as this matter has been already resolved with the original scam creditor. XXXX XXXX XXXX refuses to get off my report, even though they admit they are NOT a party to the transaction nor is there a contract between myself and them. 
THE SCAM BACKGROUND AGAINST CONSUMERS : I attended the TimeShare presentation in XX/XX/2016 in XXXX XXXX. In short, during the presentation I was swayed into purchasing the timeshare of one of their properties as during the presentation I was told that " it is a great deal that you can't lose money on! ", " you can use it at anytime and you can rent the property out to someone else if you don't want to use it yourself '', " No, you can not step away and think about it because it is a very limited time discount that you will get only if you decide right now '' " We have worldwide properties that you can trade your timeshare for and go anywhere you would like '' After signing the paperwork, there were additional fees that were not disclosed to me when I agreed to the deal. It was also not disclosed that even after signing the paperwork, legally, I had a time window to back out of the deal ( because I would, once I had time to do my research ). 

I attempted to trade my week at another property of theirs several times at no luck ( as it turned out, my week was the lowest priority ). Despite what was said at the presentation, I was not allowed to " rent it to a friend '' either. After 3.5 years of paying for the timeshare installment loan at at steep rate ( as it turned out no bank wanted to refinance a timeshare ), taxes and maintenance fees and not being able to use it even once, I contacted a consumer protection agency to help me with this. They worked on my behalf to prove that XXXX practice was unethical. Eventually, XXXX agreed to accept the deed back. 

Aside from the aforementioned credit, I have never been late or missed a payment on my credit card and any loans. My credit score on TransUnion and XXXX  is XXXX and XXXX, respectively ( the agencies where timeshare loan was not reported ).

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 2021-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Closed our Loan XXXX, 2020 and as of today after several attempts to get answers from my lender, Carrington Mortgage Services, my title as not yet been filed. Although my loan has been closed and funded the title work still has not been filed. I have been trying to do another mortgage transaction and since the title from my loan that closed in XXXX, 2020 has not been filed I have not able able to proceed. I would appreciate it if I could get some help in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: NY

Complaint narrative:
I've contacted Equifax through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX - XXXX XXXX 2. XXXX Original creditor : XXXX 3. XXXX XXXX XXXX Original creditor : XXXX These accounts are individual actions, they must be delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I do not have a Well Fargo account but a Wells Fargo customer provided them with my e-mail address. I therefore receive unwanted emails regarding bill payments, ATM transactions, statements being available, etc. The first e-email was received XX/XX/XXXX to " confirm your e-mail address for Wells Fargo ''. I obviously never confirmed the address but confirmation is apparently is not a requirement for them to start using the address. None of the e-mails have an unsubscribe mechanism. 

On XX/XX/XXXX I called Wells Fargo customer service and after speaking to 4 different people over the course of an hour I was finally instructed to forward the e-mails in question to XXXX. I started doing that and got automated replies indicating that they would investigate but never got any responses asking for more information and it did not resolve the situation. 

On XX/XX/XXXX I called Wells Fargo again and spoke to two representatives. The second, XXXX, claimed to have submitted a request to remove my e-mail address from the account. 

Today I received yet another unwanted e-mail from Wells Fargo.

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 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was in a payment plan for three months and the company is blocking me from using the card. I paid {$82.00} for three months. A criminal is using my cards as well. They have duplicate numbers of XXXX. Also numbers XXXX XXXX XXXX are getting hacked from criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent XXXX  and Convergent Outsourcing ( original creditor XXXX XXXX  account # XXXX ) a followup letter regarding an alleged debt collection on my credit report by the company " Convergent Outsourcing ''. XXXX  has responded to my verification letters sent on the the aforementioned dates above. XXXX  has sent me a letter dated XXXX stating that the collection account has been DELETED but the account still remains on my credit profile. The account numbers shown on the letter sent from XXXX  are different from the account number shown on my actual credit profile. It has now been over 30 days since the original dispute on XX/XX/XXXX. They are in violation of my rights under the " Fair Credit Act '', for not removing inaccurate information off my account of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both XXXX  and the creditor, Convergent Outsourcing, for their failure to remove the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my XXXX  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 2021-06-25 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
My concern that remains is the FICO score was XXXX at this time last year and is currently at XXXX, and went down to XXXX in XX/XX/2020 due to this company 's inaccurate reporting and failure to observe the laws established by the FCRA. I don't know of a process that will allow me to recoup my points because I attempted to consolidate my bills to get a lower interest rate and pay off all of my credit card debts, including this Target Red Card, but was denied due to late payments reporting that should not have been. This just seems like a vicious cycle. I am still looking for a reduced interest rate from this company since I was unable to get a credit union consolidation after I made the last payment on my car loan in XXXX, with a credit union that DID FOLLOW the CARES Act and mailed my title to me with ( 0 ) zero late payments on any of my CBR. I am asking for this company to correct my credit report by removing the XX/XX/XXXX 30 days late according to Section 4021 of the CARES Act which amends the FCRA to address how furnishers report accounts subject to an accommodation. Otherwise, it looks like a FCRA case is in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2021 while on vacation in XXXX my credit card was stolen while at a restaurant. I was unaware that it was taken until I got home on XX/XX/XXXX after the limit was already spent. Ive explained to them that I had two cards with the same account number because chase had upgraded my slate card to freedom unlimited. I have sent them photos of my chase slate card to prove that I still have that one and thats what I used to try and make a purchase at a restaurant near my house. I have spend hours calling and being put on hold. Ive sent photos that supported my statements showing I wasnt in XXXX and couldnt have made purchases at XXXX and a jewelry store. I was in the process of applying for a loan to purchase a home while this has been going on and it significantly impacted my credit score. I have filed police reports and proceeded everything they have asked for. I have been told I would receive a phone call back the same day multiple times and I have not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/2021 I received several suspicious msgs on my phone supposedly from " Chime '' so I took screen shots of said msgs and sent to customer service @ Chime. They immediately locked my account. After two day of calling and calling finally spoke to a supervisor ( which his name and notes are on my account ) " XXXX '' employee number XXXX conformed they had in fact received my email containing front and back photos of my government issued driver 's license, social security card and a utility bill in my name with corresponding address wwhich was at their request. No one @ Chime will explain why they will not " unfreeze '' my account. They just keep saying your account looks fine and should be unlocked within 24-48 hrs, since the XXXX. After much leg work on my end finally got deposits stopped to the Chime card but two deposits were before I could get all stopped so there's even more on my card now. XXXX XXXX XXXX Chime XXXX has basically stolen my money. PLEASE SOMEONE HELP

Company response to consumer: Closed with explanation