vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
We received an email from Cedars Business Services LLC XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX, asking for a total of {$1900.00}, related to a speeding ticket issued in XXXXXXXX XXXX XXXX, XXXX. In the attachments are the email and letter received in the mail with the details of the case ( Their file XXXX, Account # XXXX XXXX, principal balance {$1900.00} ). 
I am not familiar with this situation so I did some research with the XXXX XXXX in XXXX XXXX  and XXXX. We cross email, and also included in the attachment. The recommendation was to pay immediately, thing that we did. 
We sent a Wire transfer of XXXX euros to XXXX XXXX according to the instructions on their web page, and also included in the attachments. 
The debt collector is sending us emails, and letter by mail asking for the payment, that is was already honored and commented by the XXXX ( people in charge for the collections in XXXX ) representative, as mentioned in the emails. 
Also in those emails, the comment that they will report to the XXXX XXXX XXXX, that the debt is fully honored and no more pending on our account as reflected in the attachment notes. 
In XXXX magazine there was a good article on debt collection, so we decided to contact You for help in how to be removed from this process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I rely on transferring my money through XXXX XXXX, to my family. Being as that the PNC APPS are sub par at best, I havent been able To use the XXXX application embedded into their app. This leaves me with no other option to switch banks, especially when I am authorizing the use of the app to transfer money to my sick family members. This is terrible and Ive never experiences such bad coding in an app, nor have I ever been told that I couldnt transfer money in the way I see fit! The app never works, and Im at a loss. This needs resolved ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Late fees and interest without receiving a bill. Visa does not want to fix. Attempts were made. Requested a bill copy and received another person 's bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I previously submitted a police report and a FTC report for Identity theft. Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : 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 explanation
Consumer complaint received 2020-08-11 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
pay pale i tried calling. I dont use pay pale at all. 
I see and inquiry that I didn't do and would like it removed thanks

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 2020-08-11 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: CBC Companies, Inc.
State: OH

Complaint narrative:
XXXX XXXX i tried calling. I dont use XXXX  XXXX  at all. 
I see and inquiry that I didn't do and would like it removed thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I attempted to transfer money from my Regions account to my XXXX account using XXXX on XX/XX/XXXX, under the impression that the funds would be available same day. After submitting the transfer, I was informed by Regions ' mobile app that the funds would not be available until next day ( XX/XX/XXXX ). After reading Regions Account Agreement,  the only exception for the funds not being available same-day ( other than for suspicious activity ) is if the Receiver has not enrolled in XXXX. The receiving account XXXX XXXX XXXX has been enrolled in XXXX for a while, and funds have been transferred to and from this account previously. 

I called Regions at XXXX and spoke with XXXX who explained that Regions does not dictate the processing times for XXXX transfers, but XXXX does. Is this true? 

I am wanting to know the reason as to why the funds are not being sent, to be available, immediately ; as Regions is holding the funds. This has caused a huge inconvenience and if I would have known the processing time ; I would have found another means to transfer the money. The notification of when the funds will be available should be displayed before the transfer is initiated.

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 2020-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On XX/XX/2020, I transferred XXXX to an existing online Savings Account I had with XXXX by Goldman Sachs Bank. However, this bank suddenly dropped its rates from 1.05 % to 0.80 % in less than a month and I had to return my money back to its source savings account with a different bank. XXXX sent me an email message informing that the transfer was complete on XX/XX/2020 however the money never showed up at the destination bank as of today XX/XX/2020 XXXX one week )! I've tried to log in to my online account, however I was prompted by a message indicating that my account was locked and requested that I call XXXX. After calling this number multiple times I was prompted by automated messages which could not help me unlock my account. Finally, I was able to speak to a representative who was unable to unlock my account and could not reach out to a banking representative to do so. He advised that he would call me back within two business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: MD

Complaint narrative:
i obtain a copy of my credit report and noticed accounts i did not authorize

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 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX was the star of fraud claims against my Paypal account. i opened disputes telling Paypal that i am not a seller, do not have an internet store and to not accept these claims.The claims were for exact amounts $ XXXX, contained no description of item and often notices came in French language. 

I called the Paypal phone line in California, went through the auto-menu process, they do not have live persons handling the phones due to Covid and still charges/refunds were being made. 

after a week of not shutting down the account to stop the crime i sent a certified letter to the company which was recieved but i havent had a reply from them in over 3 weeks.

i am reaching out to the CFPB for help. there is an internet criminal that is taking advantage of PAYPAL, some innocent buyer and myself. Currently the loss of monies is over {$1000.00}. that is just my loss i imagine that the criminal is doing the same to others making millions of dollars off of cyber crime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11 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: OH

Complaint narrative:
I was offered mortgage loan forebearance so did not pay my XXXX and XX/XX/2020 payments, however in XXXX I paid for 3 months and have been current since. 
In fact I have never missed a mortgage payment in the past with any lender. 

I then applied with another mortgage company to refinance my loan to improve my rate and terms and when credit was pulled it showed late payments for XXXX and XXXX. 
This incorrect information has put my refi on hold, cost me appraisal extension fees, etc, and now I may lose my rate lock soon. 

I have made many calls in the last 2 months to XXXX bank and while they agreed those payments should not have been shown as late, they have not updated their information so the credit scores are still depressed. 

They make lots of excuses and this is costing me time and money now for their admitted mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Walmart i have no knowledge of this inquiry please remove. I'm trying to buy a house. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendUp Loans LLC
State: CA

Complaint narrative:
This company offers both payday loans and installment loans. I took out a payday loan in order to be able to pay off my installment loan and renew it. I paid off the loan early but when I tried to initiate it again, it was denied. The stated reason was that my income was insufficient. This seems dubious for several reasons : 1. My income is the same as it was the last times I renewed the loan. 2. The loan amount is also the same, and is only {$400.00}. 3. I have the highest status in their internal reliability rating statement and a history of 100 % complete and on-time payments. 

The company will not allow me to apply again for 30 days, by which point the loan will not help me. In the past, they unilaterally changed the rules of their system and took away the most exclusive loans that offered friendlier rates and mandatory credit bureau reporting ( to build good credit ). This was frustrating as I was working toward the status level that would allow me to do this and had nearly attained it when they took it away. Their rates are excessively, punitively high- just like your local check-cashing place. I had continued to use them because they allowed me to choose for the {$400.00} installment loan to appear on my credit report. Now that they have denied it without giving me a legitimate reason, I will never use them again. In the long run, I will be better off because I will no longer be paying Lendup their abusive interest rates, but in the short term it has been painful. I used all of the money in my checking account to make the last payment early, so when they then did not allow me to renew the loan I found myself facing late bills and overdraft fees. I would caution anyone against using this companys services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
i obtain a copy of my credit report and noticed accounts i did not authorize

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 2020-08-11 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: LendUp Loans LLC
State: OH

Complaint narrative:
XXXX i have no knowledge of this inquiry please remove. I'm trying to buy a house. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: OH

Complaint narrative:
I don't recognize XXXX  so can this inquiry be deleted. Im trying to buy a house

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 2020-08-11 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian, XXXX  and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit report that don't belong to me.

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I Cant lift security freez in my account by either calling and online! I spent days calling. I need it resolved as soon as possible and I am doing refinancing and need lock my rate but I could not get a hold of one single person and the whole process is so frustrating.

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 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had enough funds in my account to XXXX and to pay for another item and then apparently the bank removed the debit and allowed funds to be available and charged my card for the same things again when the funds were not available instead of returning the items or declining the charge and charged my account XXXX dollars in overdraft fees. I was told this would not happen unless these were reoccurring fees on my account which they are not. Once a charge is made on a debit card it should be paid and the funds should be removed from your account. They are playing games with funds to charge nsf fees.

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 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Two transactions were made on my paypal acct. I did not make or approve the transactions. I notified paypal and they say as far as they are concerned they were valid transactions and refused to issue a refund. Info is below. 

Case Closed : Transaction not covered Case ID : XXXX Thank you for reporting this case. After reviewing your case, we found that the reported transactions were not unauthorized and hence couldn't be covered under PayPal XXXX XXXX. 
Case details Dispute reason Unauthorized access Case Status Closed Date reported XX/XX/XXXX Transactions not refunded We have been unable to provide any refund on the transactions listed. 
XX/XX/XXXXsuccess online solutionsPayment - {$59.00} XX/XX/XXXXsuccess online solutionsPayment - {$180.00} XX/XX/XXXX XXXXXXXX XXXX  Page 1 of 2 Board : Mortgage Brokers , Businesses & Lenders Complainant Information First : XXXX XXXX : XXXX Last : XXXX Address : XXXX XXXX XXXX City :  XXXX XXXX : Florida Zip ( XXXX or XXXX ) : XXXX Home : ( XXXX ) XXXX Work : ( XXXX ) XXXX Cell : ( XXXX ) XXXX Email : XXXX Education Level ( Highest Degree Received ) : XXXX XXXX Subject of Complaint Complaint is against : Company/Organization Company Name : Paypal Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX State : California Zip ( XXXX or XXXX ) : XXXX County : XXXX XXXX Complaint Details Are you filing this complaint on behalf of someone else? 
No Summary of Complaint : Someone used my paypal acct to make a purchase without my authorization. I notified paypal of this and they refuse to return my funds, saying that it was a legal transaction as far as they were concerned. Two transactions totaling {$240.00} Was this a joint account? If yes, please give name and relationship of other party. 
No Enter dollar ( $ ) amount in dispute ( if applicable ) : {$240.00} Date of Transaction :XX/XX/2020 ( mm/dd/yyyy ) XX/XX/XXXX XXXX XXXX Page 2 of 2 Have you contacted or hired an attorney to look into this complaint for you? 
No Was the product/service advertised? No How/Where/When? Success online solutions thru paypal. 
Have you submitted a complaint to another regulator? If yes, to whom? 
No Did you receive a response to your complaint? 
No If yes, have you received a response from the company that you have entered a complaint against? 
No

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion Credit reporting Agency has not fixed the problem since my early complaint to them in XXXX of XX/XX/2020 and also earlier this year. 

For the past several years, I have improved my credit with my various creditors. Paid on time, never charged on my credit accounts for the past several months, never applied for new cards, never asked any agency to pull my credit report in the past year, etc. But despite these efforts, the 3 Credit Reporting agencies ( TransUnion, XXXX, and XXXX ) have continuously tainted my credit report. This has been a disappointing and disgusting experience. 

To show you as a proof or an example, I am sending an attachment file showing TransUnion report to my XXXX  account with XXXX XXXX XXXX for the following periods : prior to XX/XX/2020, my score was XXXX on XX/XX/2020, my score went up by 2 points at XXXX by XX/XX/2020, my score was back to XXXX again by XX/XX/2020, my score went down by 22 points at XXXX. 

This is ridiculous because I am not doing anything in my credit accounts for several years now, and in more recent 6 months I have never made charges on my credit cards and instead just continuously paid my monthly dues on time and never been late in my payments. So, why the heck will my score go down by 22 points in a matter of 7 days. This is a XXXX Credit Bureau Reporting agency. All they do is provide false information despite despite huge efforts to improve your credit.

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 2020-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I don't recognize XXXX  so can this inquiry be deleted. Im trying to buy a house

Company response to consumer: Closed with explanation