vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, ( I have to apologize for re-uploading this compain ) Please help me, I have troubles with Paypal. I am running a legal vape business in the XXXX since XXXX. We started to manufacture vape units for retail and export on XXXX and has been using Paypal for international transactions ever since. Our business is complete with permits, we work with legitimate suppliers and couriers. Paypal asked for proof and eventually upgrading my account to business. 

XX/XX/XXXX Paypal put a limit on my account without any warnings. They sent an email, saying that they will need to put a hold on my funds for 180 days. I found out from other clients that tobacco and e-cigarette products are not allowed to be sold via PayPal. For two weeks, I called, and messaged PayPal but no resolutions. I received an email saying that PayPal found my account as a potential risk and was promised to receive an email after the 180 day hold, with the instructions on how to withdraw my funds.

May 14-15, 2021 Again without any warnings, Paypal took away all my funds. 
XX/XX/XXXX XXXX XX/XX/XXXX {$8300.00} With this description : Payment to : Paypal XXXX PayPal 's damages caused by Acceptable Use Policy violation ;. 

After talking to PayPal for more than 2 weeks, again no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
In XX/XX/2020 with the COVID outbreak I spoke to a GM representative who supplied me with the belief that I would be placed in a forbearance program where I would not need to make payments for a certain amount of time. Immediately following that discussion I paused making full payments due to my businesses being closed, government orders in place and an inability to make payments. The very next month I was assessed a late fee for not making the XXXX payment. This continued on even after payments began to be made again. I've called and spoken to several people at GM Financial and they will not provide a full accounting of all late fees charged. I have asked on 3 separate occasions to have my account history sent to me and I've never received. I have an online account that does not show a full history of invoices, due dates, payments or late fees. They essentially have charged fees on top of fees and continued to assess. I believe because this is a zero percent interest loan and fees are the only way to make profit off of this loan GM Financial took advantage of the pandemics economic impact and unlike most other reasonable and ethical businesses continued to charge late fees knowing that a customer had reached out and that my business was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a consumer of the United States and i never gave EXPERIAN nor XXXX XXXX written permission nor the right to report on my consumer report. The fact that this account is reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681b, also a violation to 15 USC 1692d for harming my consumer reputation reportinb late paymenta. I the consumer in fact, natural person, original creditor, lender, executor, administrator and holder demand that my federally protected consumer rights not to be violated at any given place or time. I, the consumer, filed a cfpb complaint on XX/XX/XXXX, complaint number XXXX regarding this account above to be immediately removed from my consumer report for violating my federally protected consumer rights. Attached to this complaint labeled as exhibit A was sent along with my complaint XXXX revealing these violations and reportings on EXPERIAN, XXXX  AND XXXX. After my complaint was filed XXXX XXXX was removed from my XX/XX/XXXX and XXXX  consumer report. As of XX/XX/XXXX XXXX XXXX and EXPERIAN willfully and knowingly continues to violate and harm my consumer rights and reputation. Also attached labeled as exhibit B showing proof of deletion of this account from XXXX  and XXXX  but EXPERIAN and XXXX XXXX continues to violate. Labeled as exhibit C is the letter i received from XXXX XXXX on XX/XX/XXXX stating my account was opened on XX/XX/XXXX and was closed on XX/XX/XXXX due to delinquency when they are reporting delinquency on XX/XX/XXXX when my account was already closed. The information being reported is incorrect amd misleading

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 2021-06-01 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: TN

Complaint narrative:
On XX/XX/2021, I 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 Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its 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 inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Received a past due demand from Speedy Cash for {$300.00} letter dated XX/XX/2021. I have no knowledge of this transaction and never applied for the speedy loan. This is a fraudulent transaction and attempting to intimidate me to paying the {$300.00}. I am not responsible for the {$300.00} and will file a complaint against the alleged creditor Speedy Cash. Just returned from a short vacation to XXXX and opened the late payment notice today i.e. XX/XX/2021. The fraudulent account number is XXXX. Speedy Cash is demanding that I pay via credit card or debit card and provide my account number. I gather that this is an attempt to obtain my credit/debit card number to further maximize the rip-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: TN

Complaint narrative:
On XX/XX/ 2021, I 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 Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its 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 inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
This complaint involves my Apple Card Mastercard that is managed by Goldman Sachs. 

On XX/XX/2021, a charge of {$240.00} was added to my account from a merchant in the State of Georgia for food and beverages ( see Attachment A ). I was not physically present in Georgia on that day and I did not authorize the charge. On XX/XX/2021, I disputed the charge and a provisional credit was added to my account in the same amount, {$240.00} ( see Attachment 2 ). On XX/XX/2021 the provisional credit was reversed on my account thus resulting in the {$240.00} being added back to my account ( see Attachment 3 ). On XX/XX/2021, I received an email from Goldman Sachs stating that the dispute was resolved in my favor, and that the provisional credit would be permanent ( see Attachment 4 ). The root of the problem is that the provisional credit that I received on XX/XX/XXXX was taken away thus resulting in the {$240.00} staying on my account. The charge was the result of fraud and I should not be held responsible for this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 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: NV

Complaint narrative:
I previously filed a complaint under ID : XXXX. However, today, I've received an email from the airline XXXX with a snapshot of the transaction ID where it shows the refund was made to my credit card. However, it is not showing on my card. 

Unfortunately, the email is in XXXX, this being a XXXX American airline. It basically states the details of the transaction and also asks me to share this information with the bank ; unfortunately, I have no recourse with Chase Bank as it has refused to entertain dialogue about this issue any longer. Thank you for your assistance in getting Chase to research this transaction and provide a resolution. 

Attached is an email received today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I previously received a loan modification of my mortgage with Mr. Cooper in XX/XX/XXXX. That same year in XX/XX/XXXX I was having financial difficulties and could not pay my mortgage. I was working with Mr. Cooper to try to reinstate my loan when the pandemic hit. I applied for and was granted forbearance for my payments. They let me renew my forbearance for a year. In XX/XX/XXXX I contacted Mr. Cooper and asked for a loan modification on my mortgage. I am able now to resume paying my mortgage but unable to reinstate the loan with a lump sum payment of {$53000.00}. They say I am not eligible for a loan modification because it has been modified before also I defaulted in the first 12 months of the modification but YET they let me have forbearance for a year! There was NOTHING in the loan modification stating these investor regulations. When I asked them they said the investors go by XXXX XXXX guidelines. I had no way of knowing this! They NEVER have contacted me after my forbearance was over, I have had to contact them every time. Mr. Cooper is NOT helping save my home their only options are to fully reinstate the loan or sell the house. They have not even offered a repayment program for my past due payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I emailed and wrote several letters to XXXX XXXX XXXX XXXX XXXX regarding a late that they are reporting to the credit reporting agency. 
I ask that to proved or remove this late, pursuant to the FCRA. 
They refused to prove such late see attached response from XXXX XXXX Services

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 2021-06-01 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: PA

Complaint narrative:
I emailed and wrote several letters to XXXX XXXX XXXX XXXX XXXX regarding a late that they are reporting to the credit reporting agency. 
I ask that to proved or remove this late, pursuant to the FCRA. 
They refused to prove such late see attached response from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
A third party is attempting to get pay off demands on my property - yet I have not been noticed or granted permission to any third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a victim of identity theft, I have tried to reach out to the creditors and get this situation rectified. These accounts below are fraudulent and unauthorized. 


US BKPT CT OH XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX CAPITAL ONE BANK USA N XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX  XX/XX/XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 there were charges made on my account with suncoast credit union made by XXXX - XXXX XXXX for both transactions the total amount was {$9000.00}. I did not authorize these transactions I filed a dispute and Suncoast credit union sent me a letter on XX/XX/XXXX stating they were going to do a good faith collection of the charges from the merchant instead of following through with the dispute and getting me my money back. I waited about 25 days and called the bank and they said there was no communication with the merchant. Then when 30 days came around they said the documents that were sent to them were invalid. Now they gave them 5 days to respond which I am unsure when the merchant responded but it must have been after the 5 days were up because I called the bank and they said there was no communication. Now the bank has sent me the document that made them come to a decision and I can not open the document up. I did not authorize these charges and some one must have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Upon seeing a listing for computer parts posted to an app called XXXX, communication was initiated by me the buyer. Information was exchanged about the product then about shipping and finally about how to pay. The seller messaged me, the buyer, XXXX account information to send the money to. XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX were transferred around XXXX, on XXXX tXXXX of 2021. The seller then asked for the rest of the money so he can ship the products. I did not feel good about what had happened so I asked for more information about him and for some pictures. The seller then got caught in a lie and I figured out he was a scammer. His identity was fake but his phone number was belonging to him. He than blocked me after I had said I would not pay him any more and asked to return the money to my account. It was late and the banks were closed so I waited till the following morning. On XXXX XXXX of 2021 around XXXX I called the Chase bank and they said they could see if they can help. I just had to wait and call back at XXXX when the fraud branch of the bank opened. I waited and did so just to be placed on hold for thirty minutes and told there is nothing that can be done to return the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: VA

Complaint narrative:
These accounts are not mine. I am victim of identity theft nd I do not know them. Its a fraud and I am kindly asking you to make investigation and let me know the results. Also I want you to remove these unknown items.

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 2021-06-01 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: VA

Complaint narrative:
These accounts are not mine. I am victim of identity theft nd I do not know them. Its a fraud and I am kindly asking you to make investigation and let me know the results. Also I want you to remove these unknown items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: FL

Complaint narrative:
I AM VERY CONCERNED AT THE FACT THAT XXXX  NOR TRANSUNION HAS BEEN ABLE TO RECTIFY THE INACCURATE INFORMATION REPORTING WITH XXXX  XXXX. AFTER SEVERAL ATTEMPTS AT TRYING TO REMOVE THE NEGATIVE INFORMATION, XXXX  WENT AHEAD AND WASHED OFF THE INFORMATION BECAUSE THE INFORMATION REFLECTING IS VERY FALSE. I NEED TO RESOLVE THIS ISSUE AS SOON AS POSSIBLE. THIS IS A MATTER I NEED TO TAKE CARE OF AND I WOULD LIKE TO HAVE IT FIXED PLEASE. I HAVE ATTACHED PROOF OF THE ACCOUNT TO THIS CONCERN. PLEASE RECTIFY THE ISSUE 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 2021-06-02 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: Porsche Financial Services, Inc.
State: NY

Complaint narrative:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the XXXX and XXXX XXXX format ignoring to report. 

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

It is very important that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: VW Credit
State: NY

Complaint narrative:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format ignoring to report. 

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very important that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
on XX/XX/2021 at XXXX XXXX  a I received a voice message regarding a debt owed. My roommate returned the call XX/XX/2021 at XXXX XXXX  not knowing what it was. They spoke to Ms.XXXX  this representative disclosed not only the debt, the amount, dates, and where it was from but also even gave out my personal address to a 3rd party. 
The only verification the represented asked was " what is the first name? '' and when my roommate said I believe XXXX. She said " XXXX ''? 

This is horrible tactics giving out my personal info including my address!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation