vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Have had multiple issues with USAA. Without any notice or right to cure sent usaa sent a repossession company to my home at midnight on Thursday. After a back and forth the company called my local police. After speaking with the officer the officer requested the company leave my property. After the officer left the driver returned to my home and threatened me by telling me to be ready as he will be back. This breaks laws, morals and speaks to the standards of USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
CONNS is claiming that I owe them {$2900.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OR

Complaint narrative:
My account was held on XX/XX/2020. I have not.been given a reason of why or until XX/XX/XXXX I received a letter stating it was closed for suspected fraudulent activity. I had gone in on XX/XX/XXXX and was told in a utmost rude fashion and disrespected by one of the tellers that they closed it. So I received a statement for XXXX to XXXX closed XX/XX/XXXX statement received late XXXX. Now it's XX/XX/XXXX. I have no funds from my account. Which was over XXXX $ and I on XX/XX/XXXX receive a text and email saying my account which I have had no access to nor have I made any checks out on. Or other payments, is overdrawn XXXX $ with was the EXACT amount of the unemployment check in which they stated was fraudulent. When will I get my money refunded and how is this negative balance even allowed on the account, and how does a bank get awY with taking your money and not telling you why or when especially during a pandemic in which we are already suffering. This is inhumane. I can't qualify for funding cause of unemployment money I received but I don't even have. So how long does my family suffer and my kids go hungry because of this. It's appalling. I need my funds returned.

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 2021-04-08 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: UT

Complaint narrative:
Hi. PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 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 effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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:
My paypal account are no longer to use and I hvae a balance thir which is its hard to make, During this pandemic ( covid 19 ) I hard to find a foof we it and also a job that because I join different application to have a money ( XXXX $ or in XXXX is XXXX  ) in my paypal, I dont what happen but I hope we fix it!!!! My paypal email - XXXX ( XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Assoc - I do not have any agreement with them. I never signed anything with them. They claim they purchased my debt, but I asked them to validate the debt TWICE by mail, and they never responded. Portfolio Recovery Assoc never showed me any signed documents by me and I asked for verification of debt and they did not respond.. Portfolio Recovery Assoc FALSELY is listing on my report that I am LATE ON PAYMENTS - this is false and fraudulent. I do not have any payment agreement with them. I submitted a complaint for this through the CFPB website and they sent me a generic letter stating I owed this debt as proof and that it was a XXXX account. I have NO XXXX accounts and those have already been disputed and taken off of my credit report years ago. Nevertheless, Portfolio Recovery continues to report for many many years that I have not been making payments to them. I will not make payments to a company I know nothing of for a credit that I did not owe and has been already disputed and removed. Portfolio Recovery this is reckless and fraudulent practice. You should not be able to damage people and their lives this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
For all three credit bureaus I spoke to them to see if I can get Santander consumer removed off of my credit report which was a previous loan back in 2010 It was charged off but it has been more than seven years and they will not remove it from my credit report also XXXX XXXX XXXX XXXX it has been more than seven years and I also tried to get it removed off my report and they will not remove it I want both of these removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have received a notice of a hard inquiry by Pentagon FCU on XXXX XXXX however I did not authorize this inquiry. I have made no attempts to open an account with them and this is unauthorized. I have tried to contact them several times but I get no where as no one seems to know what is going on.

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 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My td bank debit card was fraudulenetly used on tuesday for over 2000 dollars i called td bank as soon as it happened they said for me to dispute i have to wait for charges to post..today " ( thursday ) they posted i call td bank to dispute and ask for a credit.i am told i have to wait ten days for their investigation to end to get a credit..My card was used fraudulently now i got to sit in limbo for something that i didn't do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08 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 with getting it back up and going. I have not been able to get help from them for weeks now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently ( almost daily ). My email linked to my PayPal is XXXX. I hope you guys can take a look into this for me please and thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: MA

Complaint narrative:
I restructured my finances through a refinanced mortgage. I had various loans to be paid through the refinance all of the loans were paid without issues with the exception of upgrade. 
On XX/XX/2021 a check was received via fedex from the attorneys office that completed our refinance. This was signed by a person XXXX XXXX at upgrade The loan has not been paid off on XX/XX/2021. They claim that although the check has been received hey have not applied the funds. They also completed the payment for XXXX despite having the check in their possession for one month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
We had some critical repairs arise for our home and took out a home improvement loan with LightStream to cover the cost. After making the first payment, we noticed that the payment went 100 % to interest in 0 % to the principal. That feels like it shouldnt be legal. All of the interest on the loan is frontloaded, making it more difficult to pay off faster.

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 2021-04-08 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: NC

Complaint narrative:
On XX/XX/XXXX I was charged XXXX for an item I did not purchase. I contacted the bank and reported fraud. They closed my account and reluctantly removed the charge while they investigated. This week I received a letter stating I received benefit and was responsible for this charge. I did NOT make this purchase and did NOT receive anything at all. There was NO benefit whatsoever. This was 100 % fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: TX

Complaint narrative:
AMERICOLLECT is claiming that I owe them {$120.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: LA

Complaint narrative:
On XX/XX/2020 The creditor notified Equifax to remove the delinquent account due to the account being including in my bankruptcy. I have disputed this account numerous times. Equifax disputes shows its being report correctly. I have included a copy of my bankruptcy statement also verifying that the account was included.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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 with 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 effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
Us bank is racially discriminating against me. They closed my business checking account and debit card for no reason.

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 2021-04-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting the following inquires from the companies below. These companies obtain my credit report without my consent : These lenders have accessed my credit file : XX/XX/XXXX Bank Credit Cards Inquiry date : XX/XX/2021 XX/XX/XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XX/XX/XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/2021 XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/2021 XXXX XXXX XXXXXX/XX/XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XX/XX/XXXXAuto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2021XX/XX/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 non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is claiming that I owe them {$940.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Synovus Bank
State: MI

Complaint narrative:
First Progress Credit card was removed from my credit report XXXX as closed. I don't have this card anymore. As of XX/XX/XXXX the company fraudlently added a closed account back on my credit report as a open balance {$160.00} as if I used the card ( see picture ) dropping XX/XX/XXXXdown 52pts and XX/XX/XXXX down 41pts along with XX/XX/XXXX. I would like to have my credit score returned back to where it was. I contacted the company on XX/XX/XXXX. Spoke to XXXX from the company she does not have a clue what happened and understands the error but did not correct the issue over the phone. She stated for me to send a credit report even though they have the account listed as closed. I have contacted my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: NC

Complaint narrative:
This is account is being reported to my credit by EXPERIAN as 23 Charge offs which is abuse. 

The account is in the amount of {$3200.00} I GIVE EXPERIAN PERMISSION TO HANDLE THIS

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 2021-04-08 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: IL

Complaint narrative:
ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
TRIDENT ASST is claiming that I owe them {$610.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: GA

Complaint narrative:
Transunion Credit Reporting updated an error that my mortgage company made and didn't improved the credit score. 
The credit scores need to adjust asap when errors are corrected. Their errors keep me from purchasing a car etc at a good rate. 
Also, the law needs to change about 7 years destroying credit, when debt is paid it needs to improve credit asap or at least a few years not 7!!! 
we have waited a long time, and really don't want credit anymore due to this law. 
we find any other lenders who do not go through credit whenever possible. 

please file a complaint they have lowered my scores when correcting the Mortgage issue instead or raising them!!!

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 2021-04-08 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: MI

Complaint narrative:
XXXX XXXX Credit card was removed from my credit report XXXX as closed. I don't have this card anymore. As of XX/XX/XXXX the company fraudlently added a closed account back on my credit report as a open balance {$160.00} as if I used the card ( see picture ) dropping Transunion down 52pts and XXXX down 41pts along with XXXX. I would like to have my credit score returned back to where it was. I contacted the company on XX/XX/XXXX. Spoke to XXXX from the company she does not have a clue what happened and understands the error but did not correct the issue over the phone. She stated for me to send a credit report even though they have the account listed as closed. I have contacted my lawyer.

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 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
PayPal MasterCard has refused to allow me to use my email address to set up an online account to make payments, view transactions, and receive statements. I have spoken to customer service and other staff and managers with PayPal and have not received a solution. I have to make payments by phone or by mail.

Synchrony Bank is the servicer. PayPal and Synchrony Bank are blaming each other for the system error like children, instead working together to resolve the system glitch or whatever is causing this simple, mechanical issue that seems to be not accessible for 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 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hello I tried disputing Navy Federal off my XXXX report. This have been a fraudulent item reporting. It's been over 30 days and I have yet to receive any letter updates of proof that the debt belongs to me. Can you please remove this of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation