vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello there, My name is XXXX and I belong to a lower middle class family whose duty is to take care of a family of 5 being the only earning member. 

I sell on XXXX for my living. Few days back 2 reserves were placed on my account holding more than XXXX XXXX XXXX. I had my own obligations to pay the vendors, pay XXXX invoices, family expenses. So, I requested multiple times to release the funds so that I might be able to fulfil the obligations. 
Yesterday I was even confirmed by PayPal that one of the reserves have been released and will be transferred. But now my account has been permanently limited and neither the funds have been released. They say that I have violated policies by selling restricted products. You may check my account. I sell the products what other millions are selling too and if there was anything restricted, XXXX already would have removed that listing. 
Please show mercy on me and remove the limitation as it's not just a PayPal account for me but my entire one year 's effort & time. PayPal has left me in a situation where I am not able to think of anything other than committing suicide. Please, for XXXX sake, activate my account and release the funds. I am just doing a small business for my living. This is my whole world. 

Thanks in anticipation. 

XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TN

Complaint narrative:
I PULLED MY CREDIT REPORT. I CANT BELIEVE WHAT I SAW. I HAVE STUDENT LOANS AND IVE NVER ATTENDED COLLEGE. THIS IS HURTING MY PRFILE TREMENDOUSLY. THIS IS A VIOLATION OF MY RIGHTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS. I ALSO HAVE A MEDICAL BILL FOR MEDICAL SERVICES I NEVER RECIEVED. PLEASE HELP ME FIND A SOLUTION TO REMVE THESE ACCOUNTS FRM MY PRFILE. 
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Two claims were sent on my behalf with regard to debt validation for NAVY FEDERAL CREDIT UNION for a balance of XXXX dollars. Each time I did not receive the requested documents to validate the debt in question. I am still receiving phone calls, but have yet to see documentation to validate that there is or ever was a contract between me ( XXXX XXXX XXXX and NAVY FEDERAL CREDIT UNION ), and proof that the debt was not paid with my wet ink signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
To my surprise I found out that I stilled owed as much as I did when i bought the car. My insurance company is paying XXXX to Santander and they say I still owe them XXXX. First of all they gave me the loan frauduently as well as reported to the credit bureau 5 late payments in a row which is not true. I called and made arrangments on onXXXX late payment and they agreed and I followed through. That inaccuracy cost me a XXXX job. 
i called and explained it to them only to be told I would have to fix their mistake too all three Credit bureaus which takes atleast 30 days, I paid XXXX for for 3 years and still owe as much as when ipurchased the car, Also the co signor on my car XXXX XXXX over a year ago and i contacted them and they did nothing to remove her which causes me problems every time I get car tgs because has to be cleatanve on past due taxes and its hard for her to pay taxed when she is dead and yet they put me through it. 
At the time of loan i was told that I would have gap and warranty coverage which i paid for but they said it was added. 

I feel like they are getting XXXX from insurance and my 3 years of payng XXXX a month that should cover XXXX dollor loan. instead they are asking me to pat an additional XXXX after the insurance pays them. I was a candidate for the lawsuit nut i choose to pay my payments and carry on. I was lied too assaulted by false cedit information and fraud loan. I cant talk with anyone at Santander because the customer service people whom i cant understand will not give a phone number for help, Please see if there is any possible thing i can do to avoid giving them another dime. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ECMC GROUP, INC.
State: NV

Complaint narrative:
I went into default 8 years ago with educational credit management for a school loan.They sold my debt to performant creditor. I made payment arrangements of XXXX dollars a month on the XXXX to be direct deposited out of my account. I have never been late or had a missed payment. They send me a letter each month saying they are taking out XXXX dollars and the account information. Educational management sends me letters every four years stating that I need to settle the account. I called up and they told me I am in good standing then they transfer me to a lady that says I must resettle the debt. I told them I had made arrangements with the creditors they sold my debt to. They said those are volunteery payments and dont count. Now thet sent a letter saying I am in default even though they took out XXXX dollars XX/XX/2021. Now they sold my debt again to a credit company XXXX and they added XXXX in fees. I am paying the original agreement as agreed they are harassing me in and already stressful time covid. I have bank records proving I payed as well.

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 2021-03-10 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: NJ

Complaint narrative:
I reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.

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 2021-03-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.

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 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: SD

Complaint narrative:
Never had account XXXX XXXX XXXX. Convergent sends settlement letter. Name wrong. Middle initial not mine. No way sign stuff wrong name. Fighting this last couple decades. They passing around their dozen names come back again and again and again. Every time always tell never had account. Know own name. Cross country got dozen same name people different middle name. Not mine not mine not mine. Go drop dead

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 2021-03-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After speaking with collection mgr at XXXX, I continued to believe this is unfair practice for which the company does not have an implemented policy in place that would address what happens in a global crisis to consumers credit itemsthings arent as usual but it seems XXXX has no answer as to what to do when a crisis arises, other than lets do what we would usually do. Although living under a pandemic is unusual to say the least. This is unfortunate!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: NJ

Complaint narrative:
I reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CT

Complaint narrative:
Fay Servicing and or XXXX XXXX, and or XXXX proceeded with foreclosure process in XXXX of XXXX. I was told today by a loan servicer from Fay servicing. XX/XX/XXXX His name is XXXX XXXX. I was not notified prior to this action taken. I paid the balance that was on my statement in XX/XX/XXXX. {$5600.00}. This would have closed the loan. Covid-19 happenend in XXXX I was furloughed from XX/XX/XXXX. I took it upon myself to train for a new career in the medical field in XX/XX/XXXX, So I could help with the pandemic, I took a significant decrease in income. All this time from XXXX XXXX XX/XX/XXXX. I lost my Mom due to Covid 19 in XX/XX/XXXX. She died without someone at her side, this has had a huge emotional impact on myself. On XX/XX/XXXX I lost my job, That I started in XX/XX/XXXX. In the middle of the pandemic. I decided to re enter the workforce. Even though I fight and live with XXXX every single day. Today XXXX XXXX told me " I have no options '' But to pay the balance or " ball park '' he states {$11000.00}. I told him that i was holding a mortgage statement from XX/XX/XXXX, that reflects a total balance of {$6300.00}. He then said he didn't have a payoff amount, on hand. I responded to a summons that I found in the dirt and snow last week after the snow melted, The State Marshall, just left it on my step, I was at work for a couple days, as it snowed, so I found it buried, What a way to serve a court summons. I did not sign for it. The marshall left it on my step and the blizzard proceeded to snow on the papers. They said that they do not have to follow the Covid 19 relief federal laws or bills. I was offered, no forbearance, no mitigation, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TN

Complaint narrative:
I PULLED MY CREDIT REPORT. I CANT BELIEVE WHAT I SAW. I HAVE STUDENT LOANS AND IVE NVER ATTENDED COLLEGE. THIS IS HURTING MY PRFILE TREMENDOUSLY. THIS IS A VIOLATION OF MY RIGHTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS. I ALSO HAVE A MEDICAL BILL FOR MEDICAL SERVICES I NEVER RECIEVED. PLEASE HELP ME FIND A SOLUTION TO REMVE THESE ACCOUNTS FRM MY PRFILE. 
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2021-03-10 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: TN

Complaint narrative:
I PULLED MY CREDIT REPORT. I CANT BELIEVE WHAT I SAW. I HAVE STUDENT LOANS AND IVE NVER ATTENDED COLLEGE. THIS IS HURTING MY PRFILE TREMENDOUSLY. THIS IS A VIOLATION OF MY RIGHTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS. I ALSO HAVE A MEDICAL BILL FOR MEDICAL SERVICES I NEVER RECIEVED. PLEASE HELP ME FIND A SOLUTION TO REMVE THESE ACCOUNTS FRM MY PRFILE.

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
On XX/XX/XXXX I deposited {$10000.00} check issued to me by wife from her XXXX  XXXX XXXX account and this check was deposited into my Bank of Texas XXXX Bank of Texas with hold the check since since XX/XX/XXXX till now.On XXXX XX/XX/XXXX I visited the bank and i was told for the first that my check was placed in hold because my wife wrote XXXX XXXX  but she entered the {$10000.00} correctly.Despite this minor mistake this check was cleared by XXXX  XXXX XXXX. Bank of Texas collected the money since XX/XX/XXXX and refused to release the money till today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion is a publishing company that is in the game of advertising on peoples Credit Worthiness or reputation as defined as congress. TransUnion is in fact reporting/Advertising negatively, inaccurately on my credit card as defined by congress which has put me in financial hardship that has not allowed me to use my open end credit plan.

15 USC 1602 ( l ) : means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This has been an ongoing problem for more than a year now. I have not asked for anymore reinvestigations but for TransUnion to show me permissible purpose that they have to report on my credit card. They have no consent and we are not engaged in contract to report on my likeness. No consent is identity theft.

Today I have mailed an Affidavit of truth showing proof that TransUnion is in fault for completing reinvestigations without my consent. 15 USC 1681d ( D ) ( 1 ). They have never had my consent to report anything on my likeness which is a violation of 15 USC 1681b ( 2 ) : in accordance with the written instructions with consumer who it relates. 
I have no more time to waste with frivolous reinvestigations when TransUnions does not do investigations in accordance with congress 15 USC 1681a ( e ) information on a consumer are obtained through personal interviews with neighbors, friends, or associates of the consumer reported on.

They have never taken the proper channels to investigate properly. This a request for a reinvestigation or dispute any matter

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 2021-03-10 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: PA

Complaint narrative:
I have been apart of Equifax 's data breach including 17 other breaches that have exposed my social security number along with my personal information. I would like all accounts checked properly. I want original copies of the accounts on my credit report to show me physical original documents that prove these fraudulent accounts are min.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Kashable LLC
State: TX

Complaint narrative:
After speaking with collection mgr at Kashable, I continued to believe this is unfair practice for which the company does not have an implemented policy in place that would address what happens in a global crisis to consumers credit itemsthings arent as usual but it seems Kashable has no answer as to what to do when a crisis arises, other than lets do what we would usually do. Although living under a pandemic is unusual to say the least. This is unfortunate!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
my credit card account with USAA XXXX XXXX as 30 days pass due, which is inaccurate. 
Date : XX/XX/XXXX my auto loan account with USAA XXXX XXXX as 30 days pass due, which is inaccurate. 
Date : XX/XX/XXXX 2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After receiving a mail offer, on XX/XX/2021, I applied for a Chase Ink Business Card.

I'm the XXXX of XXXX XXXX that includes a commercial lease and residential lease which I own as a sole proprietor. I completed the information on the application and agreed to a credit pull. I already own a personal credit card from Chase.

I was denied the card because of the " business structure ''. I reached out to Chase to understand what that meant, since I properly report my XXXX XXXXncome and 1099-Misc on my tax returns and the card would be used for the residential and commercial property. The response was the same, business structure without any detailed explanation. If sole proprietorship is not eligible for such a card, then during the application process this should be disclosed so that there is no credit pull. 
I find that the offer and the application are misleading and deceiving, and at the end my credit was unnecessarily pulled. I suggest Chase revise the application process and clearly define eligibility criteria of which 'business ' is eligible for the card. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation