vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 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: VA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. They are not even giving me any idea on what is happening. They just say we are shutting your account down. I am not sure if this is some mistake as I assume it has to be I have followed all rules and regulations. I have been using Paypal for years with no issues and now I have not been able to get help from them. 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. The large to me amount of money in my account is used for me to live on a daily bases and this is crippling me and my family 's well being. If Paypal wants to not let me use there platform any more that is there choice but they will not let me get my money out at this time. 

My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputed items on XXXX and still no reponse from the credit agencies. Listed below are the accounts I disputed. 

XXXX | XX/XX/XXXX ( N/A ), XXXX XXXX AF inquiry XXXX  ( XXXX ) collection XXXX | XX/XX/XXXX inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: PA

Complaint narrative:
Since XXXX, I use the services of Wise.com ( formerly Transferwise ) for US to Europe and EU to US money transfers in EUR or USD. 
On XX/XX/XXXX, I transferred XXXX $ to my Wise account from my account at XXXX  XXXX XXXX. 
Wise.com recorded the incoming transfer from XXXX on their corporate XXXX XXXX account on XX/XX/XXXX and notified me that my money can not be sent to my XXXX  XXXX account under the pretext of missing information concerning my account name, number and wire transfer details at XXXX  XXXX XXXX ( the bank they got the money from ). 

I submitted comprehensive information about my XXXX  XXXX XXXX account, name, account details - despite that, Wise.com did not credit my account with the XXXX , but went silent and kept the transfer on hold. I called their service center three times on XX/XX/XXXX and XXXX, and although the call center agents said the information was comprehensive, the money was not credited to my balance. They had no explanation why Wise does not process the information I submitted, held back the transfer, or even credited it to my account. The XXXX $ is inaccessible to me. 
I assume Wise uses the collection of more information as a tool to prolong transfers in the interest of cash management. A transfer that normally takes 2-3 business days has been put on hold for several days without proper explanation. 
I would like to request the CFPB to investigate the deterioration of customer service at Wise.com. As I write this, nobody at Wise.com could so far explain why the XXXX $ are not credited to my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was scammed on XXXX by using XXXX with Chase Bank. I did not realize XXXX did not have buyer protection at the time of purchase. It was unclear how unsafe XXXX is for money transfers to buy goods. Chase does not make it clear that XXXX should not be used for goods and services. I ultimately lost {$100.00} I can not get back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC
State: MO

Complaint narrative:
Today, XX/XX/2021 about XXXX XXXX  CST the collector sent a text message to my brother. It detailed how much I owe {$2000.00} and it says how much they are willing to take, {$1600.00} which would be payments of {$130.00}. I have attached a screenshot of my brother 's message he forwarded me and the message he received from the collector. The loan was through XXXX  and the debt collection agency that picked up the debt and texted the information to my brother is Capital Link Management

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have contacted comenity bank ) Victorias Secret ) to please remove late/ missed payments from my credit bureau reporting due to Covid job loss. I contacted them several times in regards to this, and was unable even with a supervisor get anywhere. 
I am a single with XXXX kids receiving no support going through a divorce I was unable to feed my kids during the government issues with unemployment, somehow my information was incorrect and I had issues with switching to XXXX and received nothing until it was corrected. Can you please remove all my late payments as I was both exposed to XXXX as well as my state had a shelter in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
Tuesday XXXX XXXX a guy name XXXX @ XXXX XXXX. He contacted me as a family friend for help with a fundraiser he stated to pay under family and friends he asked me to send my email address. Next thing I know a payment for the amount he stated is already gone. Being that my Chime debit card is linked to my XXXX account @ XXXX the amount of {$540.00}. I sent him screenshot to ask how did he do this? He sent me a fraudulent shipping agency and a fraudulent tracking number. That's when I disputed with XXXX. I was informed the family and friends payment method is not under the XXXX protection policy. I sent information that verified that the information I received for my product was fraudulent. I don't understand how he can get into my XXXX without having my password. The Transaction was Not Authorized for XXXX. XXXX on XX/XX/2021. I filed a dispute with chime being that on the dispute form says Please complete only one of the sections below. I was unable to chose more than one option to explain this in totally of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I checked my credit report on Experian. To find a XXXX XXXX XXXX XXXX loan which I did not do. I have called XXXX SBA and no one has been able to help me. I have asked them for the copy of the loan which was in my name. I was told it was unable to be found. Experian has stated there is no way to dispute the claim until there is proof from the XXXX SBA. In regards of it not being me .Please advise

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 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Was a customer of Simple Bank. Parent company, BBVA, transitioned Simple Bank out and made Simple customers BBVA customers. Have not been able to access funds via mobile/online banking since XX/XX/2021 because I have not been able to enroll in online banking or speak with a representative over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: UT

Complaint narrative:
The 3 major credit bureaus are erroneously reporting an account and it must be fixed. I have been disputing some XXXX XXXX XXXX accounts with the bureaus because they were included in my bankruptcy but they continue to update. I have gotten in contact with XXXX XXXX XXXX and received a letter saying they were sorry and they would get this update in XXXX XXXX. However, when I look at my credit it has been updating every month. This is a violation of my bankruptcy stay and this account must stop updating.

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Disputed items on XXXX and still no reponse from the credit agencies. Listed below are the accounts I disputed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  inquiry ARS ( XXXX ) collection XXXX | XX/XX/XXXX inquiry

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Disputed items on XXXX and still no reponse from the credit agencies. Listed below are the accounts I disputed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX AF inquiry ARS ( XXXX ) collection XXXX | XX/XX/XXXX inquiry

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 2021-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Minto Financial dba Minto Money
State: CO

Complaint narrative:
On Friday, XXXX I called XXXX XXXX for a payoff amount and was given the total of {$720.00}. At that time I authorized payment for {$720.00} to payoff and closeout the loan. 

On Monday, XX/XX/10 the loan payoff was deducted from my checking account as well as a " regular payment '' of {$230.00} which should not occurred due to my loan being paid off. 

I used the online chat and called minto money requesting the extra payment to be refunded and both channels refused a refund because the {$230.00} was my regular payment. 

XXXX XXXX should have cancelled my XX/XX/10 regular payment when I called on XXXX for a payoff amount and processed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Evergreen Moneysource Mortgage Company
State: WA

Complaint narrative:
I closed on a home on XX/XX/XXXX and paid for home inspection in advance through my realtor with XXXX XXXX realy XXXX XXXX. Inpection found standing water from a leak. I ask that the owner repaired before i closed. The realtor said it was taken care of, i moved in on XX/XX/XXXX and over a few month, i started smelling a odor and smell when i opened my cabinets under the bathroom sink and drain in the shower. I googled a company called crawl pros that come out for a free estimate. They said that i had 8 - 10 inches of water in my crawlspace. I called my realtor and text her to see if the guy that did the inspection went back after the work was done. I finally found his number because she sent me a text that she would contact the owner. 
I ask to see proof that repairs were done. She forwarded me a invoice from the company that sold me the home XXXX  XXXX  XXXX  that looked like fraud with there name on the letterhead and different prices for the repairs and no taxes included. In the state of Washington they are contractor s and can not do the work themselves. The date was on XX/XX/XXXX that XXXX  XXXX  inspected my home and i called safeco insurance and opened a claim on XX/XX/XXXX and called XXXX XXXX XXXX on XX/XX/XXXX or so. One compsny had to drain water and sanitize and XXXX XXXX XXXX sent the plumber. The company And previous owner XXXX XXXX  license was suspended on XX/XX/XXXX I feel like this owner sold me a home and never fixed the repairs and tried to falsify records. I will have to come up with money that i sm not responsible for and i wouldn't never had bought this home if it was in this condition.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please update my personal information on XXXX, Transunion, XXXX. 

My only address is XXXX XXXX XXXX XXXX, VA XXXX. 

any other addresses do not belong to me and need to be removed.

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 2021-05-11 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: EQUIFAX, INC.
State: UT

Complaint narrative:
The 3 major credit bureaus are erroneously reporting an account and it must be fixed. I have been disputing some XXXX XXXX XXXX accounts with the bureaus because they were included in my bankruptcy but they continue to update. I have gotten in contact with XXXX XXXX XXXX and received a letter saying they were sorry and they would get this update in XXXX XXXX. However, when I look at my credit it has been updating every month. This is a violation of my bankruptcy stay and this account must stop updating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
The 3 major credit bureaus are erroneously reporting an account and it must be fixed. I have been disputing some XXXX XXXX XXXX accounts with the bureaus because they were included in my bankruptcy but they continue to update. I have gotten in contact with XXXX XXXX XXXX and received a letter saying they were sorry and they would get this update in XXXX XXXX. However, when I look at my credit it has been updating every month. This is a violation of my bankruptcy stay and this account must stop updating.

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: GA

Complaint narrative:
This complaint is a follow up complaint to LexisNexis and the egregious inaccurate information they are reporting on my credit report. They are continuing to report an inaccurate bankruptcy on my credit report, an account they have continuously verified as 100 percent accurate and complete. Most recently, on XX/XX/2021, LexisNexis has just certified and verified the information they are reporting is accurate and true. I disputed this information again via certified mail by USPS on XX/XX/2021. LexisNexis received this dispute on XX/XX/2021. I called today to inquire as to why they have not responded to my demand to delete the inaccurate bankruptcy, and they stated they did not receive the dispute. Even though USPS tracking has them in receipt of the dispute on XX/XX/2021, they claim to have no knowledge of the dispute. LexisNexis reported bankruptcy includes upwards of 4 different errors and inaccuracies. If I dispute these inaccuracies and LexisNexis verifies they are 100 percent accurate and complete, by law, per the FCRA they are required to DELETE the entry. This outcome is required with only 1 inaccuracy. LexisNexis bankruptcy reporting includes 4 inaccuracies. 

I spoke to XXXX today from LexisNexis

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Fed Loan Servicing is telling me that 84 of my student loan payments that I made under the Income-based repayment plan, are ineligible to count toward my Public Service Loan Forgiveness program PSLF. PSLF requires 120 payments to be made while working in a public or non-profit agency, which I have. I've never worked in the private sector. I graduated and began my repayments in XX/XX/2012 and that means I've worked non-stop since that time. I submitted a request a few months ago, formally informing them that I don't agree with that decision. I was then informed that they could not do anything about that. I've also called to request a number for me to discuss this with an ombudsman or advocate, but that was not provided to me, saying they did not have such a number and apologized. In my Fed Loan Servicing online account I see that 9 of the 84 ineligible payments are " payment is pending manual review '' so I hope those become eligible payments counting toward my PSLF program. The only time I've stopped working at a non profit was when I had to go on XXXX leave to have and care for my children. I hope you can help me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc.
State: MI

Complaint narrative:
I was approved XX/XX/2021 for the amount of {$18000.00}. I signed my DocuSign XX/XX/2021 and according to XXXX I am supposed to be funded within 10 business days. I have verified my identity twice and still have not been funded. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
La Curacao is reporting a charged off account on my report incorrectly. It opened in XXXXand the last payment was XXXX.It was a toy car for a kid. The item immediately broke and they refused to honor the warranty for the defective merchandise. I returned the item to the store to be fixed and they kept it. Now they are illegally re-aging the account trying to show that the account i constantly 90 days late every month since then to hurt my credit even though this has charged off over almost 6 years ago. The credit report erroneously shows that that the account is 90 days delinquent every month since XX/XX/XXXX. It also shows that the account closed in XX/XX/XXXX. An account can not be closed and be late every month and be charged off all at the same time. This account is hurting my ability to obtain fair and reasonable housing and I am seeking the advice of counsel and the fair housing authority.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
A letter was sent to challenge the items on my credit account 30 days ago. No response or acknowledgement of the the items protested was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: CA

Complaint narrative:
I have submitted two letters to the company about to accounts that they have on my report that is not supposed to be on there and is damaging my credit. The last was dated XX/XX/2021 that was sent them I did receive some conflicting information from the response of the first letter. Both letters was dated XX/XX/2021 that I received from them. One of them stated that The count was removed and the other letter stated that they needed additional identification information. I have provided all identifying information for me and both accounts to them. I will provide supporting documentation as well.

Company response to consumer: Closed with explanation