vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: GA

Complaint narrative:
Paypal closed my account one day, and its says we can not do business with you anymore. The paypal balance on your account will be on hold for 180 days, after 180 days, you will be able to eligible to withdraw your paypal balance. However, when I was checking my paypal account, I saw NONE balance. I was shocked to see a transaction that posted by paypal, the note says, $ XXXX, paypal posting on XXXX XXXX to paypal '' paypal took the money from me while I, as the account holder, dont have any idea about that! That is definitely not fair and is illegal, as they are taking money from its users. Since it says, I can withdraw the balance after 180days, why they took the money from me? I was trying to reach them for help, but they can not help me. I think I can file a report here because they didnt do the right thing for me. And I need to get the money back. The email linked to my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
Reopen, dup of XXXX. Wrong code on 1099-C! Will not offer explanation! 1099 code should be A. I will keep submitting these complaints until they fix this! Like I will do this for years until they get this right!

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account is reporting as a collection item, with a current balance. This account is not my account has not been verified and not accurate. With each Bureau it shows a different amount and starts and stop date. Fields 17 and 12 have information that does not match. Most important this is not 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
Consumer complaint received 2021-04-18 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: FISERV FINXACT CORE
State: IL

Complaint narrative:
On XX/XX/11 I was charged a pending charge after I already paid the charge amount in full. The pending charge is still on my account 2 weeks after I have made several calls and had the company who the charge was to fax a removal form. Money Network told me XXXX XXXX had to fax a letter stating that the pending charges could be removed that XXXX XXXX was not going to be charging them because the order was already paid in full. I have made several attempts with Money Network and they lie to me and keep increasing the so called date the pending charge will be removed. Every time I call Money Network employees are in a hurry to get me off the phone and when they tell me they are going to transfer me to the escalations department the phone always hangs up. The amount that Money Network owes me is {$170.00}. I have attached a snip of my account. On XX/XX/11 at XXXX I was charged {$26.00} and {$140.00} which adds up to {$170.00}, which is what I purchased paid in full. After that I was also charge {$170.00} in a pending charge after the full purchase amount was already paid.

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: OH

Complaint narrative:
Under article I this account is reporting as a collection, with a balance. The data in fields 17 and 12 are not accurate. Most important this is not 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
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The account is not accurate or mine.

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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have disputed the accuracy of an account balance with BESTBUY/CITIBANK. 

I CONTACTED BOTH COMPANIES VIA CERTIFIED MAIL and was told they could not find my account after I included my Social security, date of birth and address. 

When I sent my dispute they did not update my account status as disputed. This was Pre-Covid. So theres no excuse for violating my rights under the FDCPA. 

They received a dispute from the Credit reporting agencies. I pointed out to them that the following fields of the account do not match on XXXX, XXXX  and XXXX  reports.

Date Opened, Date Closed, Date of Last Activity, Date of Last payment, Account Status, and Comments.

Furthermore the creditor reports " 29 '' CHARGE-OFFS on XXXX XXXX XXXX. Every month since XXXX they report a charge-off which is FALSE and unfairly reporting an account status. 

This creditors is aware of the Automatic underwriting process which is critical and necessary that is both accurate, consistent and objective in order for me to apply for credit, car loans, a mortgage and a fair interest rate. 

I gave them multiple chances to correct the information and now this creditor must cease all reporting of this account 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 2021-04-18 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: MoneyLion Inc.
State: NY

Complaint narrative:
Have tried to call XXXX to report that someone took out an installment loan for {$500.00} using my social security number or with my social security number registered to their account. I can not get through to this online lender despite five or more tries. Because someone else used my social security number, I am not the client that is recognized. The loan is now delinquent and is be reflected on my credit reports, despite the fact that I did not ask for or establish a loan and my social security number is either being used in error or fraudulently. 
The loan was taken out on XX/XX/2021, according to XXXX etc. I had a fraud alert already established ( on XX/XX/XXXX ) despite this a new installment loan was issued by MoneyLion. The amount of the fraudulent installment loan is {$500.00} and the XXXX payment is delinquent by whomever fraudulently took this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a line of credit with Bank of America, which has had a XXXX balance for several months. I applied for a mortgage with another bank, and when they checked my credit scores, they found that Bank of America had reported my line of credit delinquent, with a balance due of {$5.00}. My BoA online banking app still shows a XXXX balance on that line, I was never notified of any charge or delinquency. This error on my credit report caused me to miss out on a mortgage refinancing that would have saved me {$10000.00} a year. I tried calling BoA but couldnt get a human on the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: NE

Complaint narrative:
On XX/XX/XXXX, I went to a US Bank ATM in XXXX Nebraska. I withdrew {$1000.00}, but there was an error and I didn't receive my money. I called and made a dispute on that day. As of today XX/XX/XXXX, I still have not received {$1000.00}. I called them today and they still do not have an answer to where my money is. I get this money on a prepaid debit card through unemployment. This is my only income because I lost my job during the pandemic, and now I can't pay my bills and will start acquiring late fees. If I had a choice I would never bank with US Bank.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello, its been 5-6 months and I have not gotten feed back on any of the items that's suppose to be disputed. By law after 30 days of no response the debt is suppose to be deleted of the report. I know my rights and you guys should look into 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 2021-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Hi, I am on a COVID-19 pandemic forbearance, I was been told that my loan is not eligible for loan modification because as per XXXX XXXX guidelines since I had received 3 modifications in the past therefore at present ( COVID ) time it will not be modified. The current times are different, I sincerely request for help as I am unable to pay lump sum amount of about XXXX and also probably can not afford repayment unless it stretched out to very long time. 

I do not want to loose my home. Just like certain rules and policies have been changed due to the worst ever times humanity is facing in US, I sincerely request my loan can be modified to a lower interest rate ( XXXX at present ) with an affordable payment. 

No one contacted me in the last 30 days from the servicing company and when I last contacted I was been informed that I do not qualify for any options. Why does the servicing company even write on their website that No one will be required to immediately make up the paused payments, all at once or in a lump sum. 

My email address is XXXX. 

Thanks. 

Regards, 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: Conn's, Inc.
State: CO

Complaint narrative:
I have reached out to the creditor and the credit bureaus on multiple occasions. I have received no response. This account wads open XX/XX/2015, It is and outdated account that is reporting has charged off but has a negative balance. This account has been paid in full and is out of the statue of limitation of 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the accuracy of an account balance with XXXX/XXXX. 

I CONTACTED BOTH COMPANIES VIA CERTIFIED MAIL and was told they could not find my account after I included my Social security, date of birth and address. 

When I sent my dispute they did not update my account status as disputed. This was Pre-Covid. So theres no excuse for violating my rights under the FDCPA. 

They received a dispute from the Credit reporting agencies. I pointed out to them that the following fields of the account do not match on XXXX, XXXX and Transunion reports. 
Date Opened, Date Closed, Date of Last Activity, Date of Last payment, Account Status, and Comments. 

Furthermore the creditor reports " XXXX '' CHARGE-OFFS on XXXX  and Transunion. Every month since XXXX they report a charge-off which is FALSE and unfairly reporting an account status. 

This creditors is aware of the Automatic underwriting process which is critical and necessary that is both accurate, consistent and objective in order for me to apply for credit, car loans, a mortgage and a fair interest rate. 

I gave them multiple chances to correct the information and now this creditor must cease all reporting of this account 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 2021-04-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the accuracy of an account balance with XXXX/XXXX. 

I CONTACTED BOTH COMPANIES VIA CERTIFIED MAIL and was told they could not find my account after I included my Social security, date of birth and address. 

When I sent my dispute they did not update my account status as disputed. This was Pre-Covid. So theres no excuse for violating my rights under the FDCPA. 

They received a dispute from the Credit reporting agencies. I pointed out to them that the following fields of the account do not match on Experian, XXXX and XXXX reports. 
Date Opened, Date Closed, Date of Last Activity, Date of Last payment, Account Status, and Comments. 

Furthermore the creditor reports " 29 '' CHARGE-OFFS on Experian and XXXX. Every month since XXXX they report a charge-off which is FALSE and unfairly reporting an account status. 

This creditors is aware of the Automatic underwriting process which is critical and necessary that is both accurate, consistent and objective in order for me to apply for credit, car loans, a mortgage and a fair interest rate. 

I gave them multiple chances to correct the information and now this creditor must cease all reporting of this account 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 2021-04-18 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

Complaint narrative:
Paypal closed my account for no reason and will not help me getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical & Professional Collection Services, Inc. NC.
State: IN

Complaint narrative:
on XXXX of XXXX contact them about the debt they say I owe them and the original creditor had a very small balance than this company say I owe them. They have use this to hurt my credit. They would not even accept a pay for deletion to remove the from my credit file. This debt was in XXXX reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I participated in the following Marcus Savings {$100.00} Bonus Offer : Marcus is offering {$100.00} when you deposit {$10000.00} or more in new funds into a new or existing Online Savings Account within 10 days of enrollment. You must maintain those funds plus your current balance for at least 90 days. 

And I satisfied the requirement by depositing $ XXXX into my account by XX/XX/2021. I was able to see the bonus tracker after the deposit, which means I was eligible for that bonus. At that time there is total ~ $ XXXX in my account ( XXXX old XXXX new ) and I kept existing money along with the new money in my account as required. Later on XX/XX/2021, when I transferred my old $ XXXX out of my account, someone from Marcus called me to confirm the account details, but he did not mention or warn me that doing the transfer would cause me losing the eligibility to receive the bonus. 

And after I did the transfer, I found out that I don't have that bonus tracker anymore, therefore I called Marcus and they said my eligibility is revoked. As a customer who was attracted to deposit new money into Marcus saving account because of the bonus program, Marcus should have the obligation to notify/warn me if any transaction would cause me losing my eligibility to receive the bonus, I should have the right to be clearly informed with the consequences.

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 — Reporting company used your report improperly
Company: Nelnet, Inc.
State: PA

Complaint narrative:
on both XX/XX/2021 and XX/XX/2021, I sent dispute letters to all three credit bureaus for the accounts on the letters attached to this complaint. 

I then followed up with a demand and comply. 

Lastly, I sent settlement letters for the violations on behalf of each credit bureau. 

I have yet to get any responses with results or notice of inaccuracies with my disputes. 

All letters are attached to this complaint. 

this is also a follow up to complaints XXXX and 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: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: PA

Complaint narrative:
on both XX/XX/2021 and XX/XX/2021, I sent dispute letters to all three credit bureaus for the accounts on the letters attached to this complaint. 

I then followed up with a demand and comply. 

Lastly, I sent settlement letters for the violations on behalf of each credit bureau. 

I have yet to get any responses with results or notice of inaccuracies with my disputes. 

All letters are attached to this complaint. 

this is also a follow up to complaints XXXX and 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
The Credit bureaus seem to throw my letters out or do not do anything on my file. I want the inquiries I did not authorize removed. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NJ

Complaint narrative:
In a recent review of my credit report, I have noticed some errors. Please make the following changes : XXXX XXXX account # The Date of First Delinquency with the original creditor is not provided. Please provide this. 
The end of the seven-year reporting is not listed. Please provide this. 
Credit Limit is not listed. Please provide this. 
Date of Major Delinquency is not listed. Please provide this. 
Actual Payment Amount is incorrect. Please correct or remove this The Date of Major Delinquency is not listed. Please provide this. 
Charge Off Amount is not provided. Please provide this. 
Incorrect Account Status. Please correct or remove this. 
Original Company Name Not Listed. Please provide this I understand that under the Consumer Credit Act 1974 ( sections 77-79 ), I am entitled to receive a copy of any credit agreement and a statement of account when I request it. I understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days. 
I understand that, under the Consumer Credit Act 1974, creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account. 
In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
I just bought my minor child a phone and this debt collector keeps calling her every single day since we got the phone. Its sickening that my minor child is being harassed by a collections agency when nothing belongs to her myself or my husband. We dont even know how they got this number since its brand new. The number that keeps calling my XXXX  child is XXXX. We owe no debt and Im trying to figure out how a collections agency got her number.

Company response to consumer: Closed with explanation