vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I opened a venmo account around XX/XX/XXXX. I managed to make a payment with no problems using PayPal. To my understanding, PayPal is no longer a trustworthy and/or unreliable company, I decided to link my XXXX  account with venmo. Ever since I made this transaction I've been having serious problems with : adding/removing my funds from venmo. Every time I made an attempt to add money, it stated that an error was made. About a week or two I received an email from venmo letting me know that I've been restricted from using venmo, without any explanation. I finally figured out how to add money into venmo, after so many attempts and disregarding the above message, I decided to add {$400.00} dollars in the account. Now my venmo account is frozen and I can't find any way to withdraw the funds or transfer them to a bank. 
In other words, I can't take the money out my venmo account or transfer it to another account. What can I do to resolve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
This is a written notice to XXXX XXXX who acts as ceo of Southwest Credit Systems that I the consumer am invoking my right of rescission pursuant 15 usc 1635 in good faith. Certain information in this contract was not disclosed to me. Please delete all of my information, rescind all signatures, and return all money in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I am reaching out to you to see if I can finally resolve this matter with this stubborn company. I have written them serveral times requesting validation of this derogatory closed account that continues to stain my credit worthiness. 
Repeatedly they have written me telling me that they SOLD the account to XXXX XXXX XXXX. They are not the ones reporting this on my credit ; CCB/XXXX is. 

They did not send me medical records proving that I owe this debt, nor did they show me what right they had to sell my information to a third party without my consent. Now I have this credit collector attempting to collect on a debt I do not owe them thanks to CCB/XXXX violating my HIPPA and PHI rights. 

Prove that I signed a HIPPA or PHI release allowing you to sell my private medical information to a third party without my consent. I am beyond LIVID at this point and I am trying to be amicable for the last time before I turn all this evidence over to my lawyer and have our day in court in my state and I will sue you for up to {$10000.00} or the maximum amount that my state allows according to FCRA and the OCR. You are well aware how serious HIPPA violations are. 
Do theright thing and DELETE this account from my credit reporting with XXXX, XXXX and XXXX. As you can also see from the attachment, the information that was reported was completely inaccurate and false. Prove your rights or I will see you in court and you will lose more than what you are claiming that I owe you. This is my final attempt to get you to delete this closed account from my account. You are the one who put it there, you take it off. Take this matter very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: FL

Complaint narrative:
I suspect that I am a victim of identity theft because there are names and addresses that are reporting on my credit report that do not belong to me. I notified the credit bureau 's on XX/XX/2021 but when I checked a new copy of my credit report the names and addresses continue to report despite sending each bureau a copy of my identity theft affidavit. 

I requested the following names to be removed : XXXX XXXX I requested the following addresses to be removed : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My current information is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL 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 2021-08-30 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: IL

Complaint narrative:
THIS IS THE THIRD TIME EQUIFAX HAS DROPPED MY CREDIT SCORE AFTER I HAVE DISPUTED A ITEM ON MY CREDIT REPORT, I WAS IN THE MIDDLE OF APPLYING FOR A HOME LOAN, NOW I CANT APPLY BECAUSE EQUIFAX DROPPED MY SCORE, WHY ARE THEY ALLOWED TO DO IS?. ALSO ACCOUNT # XXXX WAS NOT VERIFIED BECAUSE THE OTHER XXXX CREDIT AGENCIES REMOVED IT FROM MY CREDIT REPORT, SO THERE IS A MAJOR PROBLEM WHEN EQUIFAX VERIFY A ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I have used the cash app by Square for 4 years to send and receive payments from my roommate. Out of the blue the past couple of months every single payment that I send to my roommate I am given the message that it could not be completed for my protection. My roommate can turn around and send me a payment and it will auto accept and deposit into my account.

Everytime I ask Square through their support I am told that it is for my protection and the money will be returned to my account after 3 days and to use another service to finish the transaction. They don't say why or how its for my protection it just is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XXXX, I mailed my payments from XXXX XXXX XXXX in XXXX, NV. We gave the head of housekeeping the bills that where addressed to Companies that I owe. She put them inside of a box that said out going mail. 
Check number XXXX, Made out to XXXX XXXX XXXX XXXX, In the amount of XXXX, it was electronically cashed by XXXX XXXX. 
I have filed complaints with Chase Bank 4-5 times. Every time they tell me that it is going to take 30-90 days. 
XXXX XXXX also cashed other checks electronically which was corrected by the bank. These checks were marked through the companies names and XXXX XXXX wrote her name in. 
the XXXX XXXX XXXX XXXX check number XXXX was not marked through by XXXX XXXX but she was able to cash electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I'm currently having a primary home mortgage with Mr Cooper. I was in the Mortgage Forbearance during Covid-19 pandemic, so the mortgage payments were paused. However, before I exited the forbearance, I contacted Mr Cooper to resume the monthly mortgage payments. In XX/XX/2021, Mr Cooper provided me the modification option after exiting forbearance. In order to get back to regular monthly payment, they set up a trail payments for me for 3 months, and I was told this will be autopayment. However, Mr Cooper messed up and failed to process my 2nd trial payments. After I noticed the situation, I contacted them immediately, then I was told that I was given wrong information, which was not autopayment. Since then, I contacted Mr Cooper almost hundreds of times for solutions, however, no one could really help me to get back to the trail payment again. It just keeps me waiting and waiting. I was left all alone by myself, and I couldn't even make a monthly payment on my account. It was locked in the system. I'm also concerned this would damage my credit report when Mr Cooper keeps delaying it, or even worse, it might cause me to lose my primary house. 
I just want to get back to the trail payment for modification plan because Mr Cooper made the mistake on setting up the payments that caused the issues. I would like to be able to get back to regular monthly payments. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX XXXX a credit card was opened using my social security number to Target department store. The store called me and I told them not to approve the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 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: FL

Complaint narrative:
I am a victim identity theft and I found some unauthorized inquiries reporting on my credit report and I requested that the bureau 's remove them from my credit report on XX/XX/2021 and they failed to remove all of the unauthorized inquiries from my credit report. 

I have requested that they remove XXXX XXXX, XXXX/ XXXX , XXXX XXXX, XXXX and they are still reporting on my credit report. 

Please see the attached identity theft affidavit.

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 2021-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, Transunion and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX credit card, discover credit card, XXXX XXXX credit card or XXXX XXXX  card or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.

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 2021-08-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, XXXX  and Equifax. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX  or XXXX XXXX XXXX or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: FL

Complaint narrative:
I suspect that I am a victim of identity theft because there are names and addresses that are reporting on my credit report that do not belong to me. I notified the credit bureau 's on XX/XX/2021 but when I checked a new copy of my credit report the names and addresses continue to report despite sending each bureau a copy of my identity theft affidavit. 

I requested the following names to be removed : XXXX XXXX I requested the following addresses to be removed : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My current information is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus are 100 percent a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: FL

Complaint narrative:
I was looking over my Equifax Credit report and I have no idea where all of the inquires below came from. I have tried to dispute this with Equifax but have been unsuccessful. None of these inquiries are showing on the other 2 major credit reporting agencies. I am asking if you could help assist in this matter since Equifax is not help me at all. Thank you XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: FL

Complaint narrative:
Please help me understand why this investigation is taking so long. Im a victim of identity theft!! I first notified Equifax XX/XX/21!! Its now XX/XX/21 and Equifax is still investigating!! I see I must get and Attorney and file a report with FTC and FCRA!! Its 3 accounts on my report which are fraudulent!! XXXX XXXX & XXXX  has blocked & deleted items!! Equifax keep saying they are investigating, its nothing to investigate. One company sent me a few pages of a contract, WHICH DOES NOT HAVE MY SIGNATURE ON IT!!! IT ALSO HAS THE WRONG DATE OF BIRTH BECAUSE ITS FRAUDULENT! Equifax NEEDS TO FOLLOW SUIT AND DELETE THIS ITEMS FROM MY REPORT ASAP!! 

1 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$610.00} 2. XXXX  XXXX ( XXXX XXXX XXXX  ) {$590.00} 3. XXXX XXXX XXXX {$500.00} IVE NEVER DONE BUSINESS WITH ANYONE OF THESE COMPANIES, IVE NEVER ENTERED INTO A CONTRACT WITH THESE COMPANIES!! These accounts are fraudulent!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: DE

Complaint narrative:
i, am a victim of identity theft from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX. These companies has fraudulant accounts on my profile that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
You are reporting this account as 60 days late, However this account has been paid and it is closed therefore it should not be reporting as LATE. I have sent a couple rounds of dispute to your company but never saw any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021 PayPal confiscated all the money in my account, {$7200.00}, claiming I was in violation of their acceptable use policy, and that the money they confiscated was for " damages ''. I have had an account with PayPal for over a decade, first selling books, and then selling tools and firearm parts on my website for over four years. I was not aware that PayPal had an issue with gunsmithing tools and firearms parts until I recently read their acceptable use policy.

I was never told what part of PayPal 's Acceptable use policy I was in violation of, but according to PayPal 's acceptable use policy, under the AUP, which provides that " you may not use the PayPal service for activities that... relate to transactions involving... ammunition, firearms, or certain firearm parts or accessories, or... certain weapons or knives regulated under applicable law. '' I assume the issue was because of the firearms related items I sell, however I did not sell anything illegal, I did not sell any firearms or ammunition through my PayPal account. Under the AUP, " certain firearms parts or accessories '' are against the AUP. Which firearms parts are against the AUP, and how can the benign tools I sold possibly damage PayPal, and by what accounting method were these damages calculated? According to the AUP, certain firearms parts are acceptable, but some are not. Is the AUP purposely vague? I maintain that Papal is illegally confiscating their customers money, without warning or explanation. Even PayPal 's shareholders are concerned with this illegal practice, and have filed complaints with the SEC. There are now attorneys working on a class action lawsuit to get the millions of dollars back to the innocent people that PayPal has stolen from. I find it incredible that a financial institution would risk getting the reputation of taking their customers money without warning, and without recourse, and on a very vague and non-specific policy. Why would anyone take a chance on having money in a PayPal account when it can be arbitrarily confiscated?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
The apartment complex The XXXX XXXX  XXXX XXXX  XXXX  continues to state that there is a previous debt. The debt has been disputed by myself with the collection agency. The apartment complex resubmitted the collection and has appeared on my most recent credit report.

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