vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
I'm reaching out as there was {$37000.00} taken from my Account by PayPal after I was promised my funds back after the 180 day hold Firstly my Account was put on a rolling reserve due to an increase in claim backs due to the significant delays for shipping caused by COVID Following this my Account was suddenly closed and funds were put on a 180 day hold without any information as to why this was done To my surprise after looking into it, I found this was a common issue and something PayPal has been doing for a while without any explanation I sent several emails to PayPal to find out why this hold was put in place but never received a response I was patient and waited the 180 which just ended today and to my surprise when I re opened my Account and the {$37.00}, XXXX was removed from my Account by PayPal. There was not a single email sent to me infrom me this has happened, let alone why! 

I called PayPal as quick as I could to be told by Paypal staff that I breached the Policies because I was selling drugs and cigarettes and PayPal has taken the {$37000.00} as compensation. " I had no need to be informed as I breached their policies '' and there was no allowance for any clarification on my end There has never been a trade of any of these types of products and I made it very clear what I was selling through PayPal with several conversations with their staff and through the initial application process where I provided my webiste which displayed the products and explained the nature of the products They classified the products we sold which were 'XXXX XXXX XXXX ' with cigarettes and drugs and thought they could just take the money I had in the Account under their simple answer of " you breached our policies '' I want to do everything in my power to have my money returned as just taking all my money without any indication, reasoning or any form of communication at all is absolutely wrong I really hope you 's can help me with this Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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 {$270.00} 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 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: OH

Complaint narrative:
We recently refinanced our mortgage through XXXX at the end of XXXX. They sold our mortgage to Homeside Financial to service the loan immediately after closing. I requested on XX/XX/21 to not include insurance in escrow. I followed up on XX/XX/21 and was told it was still in process and would be complete at the end of business on XX/XX/21. I also informed them at that time our address was incorrectly entered into the system. I submitted their change of address form with our signatures to correct the clerical error. It should have taken 5 days to complete the address change. Neither issue has been corrected. I followed up again on XX/XX/21 and no response has been provided to me. Our first payment was due on XX/XX/21. The company took the insurance money and has not corrected the issue still. It's now XX/XX/21. These are two simple issues to correct and Homeside Financial is unwilling to correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed this account listed on my credit report. The credit bureau returned to me a response as updated without correcting the errors or deleting the account. Basically handing me back the same issues I disputed like they were corrected. I disputed this account because the information in which the credit bureau reflects is not 100 % accurate and is not Metro 2 compliant. I have highlighted errors for easy finding but yet they still failed to correct the problems or delete the item. My dispute was done in XXXX of 2020.

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 2021-04-06 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: TX

Complaint narrative:
I disputed this account listed on my credit report. The credit bureau returned to me a response as updated without correcting the errors or deleting the account. Basically handing me back the same issues I disputed like they were corrected. I disputed this account because the information in which the credit bureau reflects is not 100 % accurate and is not Metro 2 compliant. I have highlighted errors for easy finding but yet they still failed to correct the problems or delete the item. My dispute was done in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CA

Complaint narrative:
Paypal deducted all balance on my account to theirs, that amount is {$1400.00} USD on XX/XX/2020. 
I was supposed to withdraw the money from my paypal to my own account. However, paypal broke its own rules. It says, the funds will be on hold for 180days, and we will notify you then to withdraw the money. The 180days limitation means, I will get the money after 180days, but its a lie, they took the money from me without letting me know. I can own check it through recent activities. That sucks! such a big platform taking money from its users. 
good thing is, I was told you can handle this, everyone says CFPB is really a great place to report cases like this. 

I wish you can help me to investigate on this and help me to get the money back. my paypal email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed this account listed on my credit report. The credit bureau returned to me a response as updated without correcting the errors or deleting the account. Basically handing me back the same issues I disputed like they were corrected. I disputed this account because the information in which the credit bureau reflects is not 100 % accurate and is not Metro 2 compliant. I have highlighted errors for easy finding but yet they still failed to correct the problems or delete the item. My dispute was done in XX/XX/2020

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 2021-04-06 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: IL

Complaint narrative:
They told me they couldnt do anything about it, to call trans union. I called trans union so they could remove the false information and they told me its correct like XXXX, my credit score has been XXXX ever since the vehicle was totaled and was being paid by insurance. The vehicle was paid by insurance company and gap coverage insurance people. The vehicle was totalled XX/XX/XXXX and it is now XX/XX/XXXX i need help.

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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
They told me they couldnt do anything about it, to call XXXX XXXX. I called XXXX XXXX so they could remove the false information and they told me its correct like XXXX, my credit score has been XXXX ever since the vehicle was totaled and was being paid by insurance. The vehicle was paid by insurance company and gap coverage insurance people. The vehicle was totalled XXXX XXXX and it is now XX/XX/XXXX i need help.

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 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB is claiming that I owe them {$6400.00} 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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a letter to Equifax on XX/XX/2021, to have my credit score reported in my credit report. I am using XXXX as my credit monitoring provider and I just recently pulled up my credit report for this month only to find out that the problem still hasn't resolved. My score in Equifax and all the accounts that I am supposed to see are missing. 

I just wanted to see what's on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Experian Credit report has multiple Credit Inquiries I did not authorized as follows : 1. XXXX : Inquiry Date : XX/XX/XXXX 2. XXXX XXXX : Inquiry Date : XX/XX/XXXX 3. XXXX : Inquiry Date : XX/XX/XXXX 4 : XXXX : Inquiry Date : XX/XX/XXXX 5. XXXX XXXX : Inquiry Date : XX/XX/XXXX 6. XXXX Card : Inquiry Date : XX/XX/XXXX 7. XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX 8. XXXX XXXX XXXX OR : Inquiry Date : XX/XX/XXXX 9. XXXX XXXX : Inquiry Date : XX/XX/XXXX 10. XXXX XXXX, XXXX XXXX : Inquiry Date : XX/XX/XXXX I have tried to reached out to Experian over the phone to initiate a dispute on these credit inquiries but their phone line do not connect with an agent.

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 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am not sure what to do anymore. Company is refusing to accept that my identity was stolen. I already submitted a police report, an identity theft report, letters, and nothing is being reviewed. They just sent me a letter that they have finish their investigation and have decided that this is not identity theft. No proof as to why. I need this company to stop collecting from me. I do not owe this debt. They can not provide proof that this is not identity theft. I am providing everything I can. It is not correct for Capital One to decide that they will continue to charge a debt that has been proved to be identity theft.

Letter 1 : Sent on XX/XX/XXXX, received on XX/XX/XXXX. 
Letter 2 : Sent on XX/XX/XXXX, received on XX/XX/XXXX. 
CFPB complaint was already submitted on XX/XX/XXXX and company decided on XX/XX/XXXX that it is not identity theft. Despite proof of all the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX citi bank approved me for XXXX $ secured credit card withdrawal XXXX $ from my checkingaccount. On XXXX I went to make a purchase. It was declined I checked account and seen it was closed. Shocked! 
I called customer service they told me to wait 30 days for my XXXX $ Only to offer paper check to be refunded I asked where is my money! 
I wasn't given answers but, " well you need to check your XXXX  and credit '' Very rude and patronizing demeanor towards me. 
Disgusting financial institution, to claim helping individuals, instead deny knowledge of closing the account and deny refund. 
I can't afford to wait 30 days before returning my money. 
Huge scam to false promote service. They refuse to explain cause! 
Tell me I need to do research on why it was closed. And say it was a bad decision to open the account in the beginning. 
. Wowww. To XXXX WITH CITIBANK

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 2021-04-06 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 2021-04-06 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV has continuously violated their duties pursuant to the law. Please see the attached PDF as my complaint as I do intend to litigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
This account was paid in XXXX I have proof and they still keep saying that the information is not correct I have bank statement and a email confirming that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bank as well as the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
On or about XX/XX/2021 Regions Bank closed my checking account for being overdrawn over 60 days which they caused to be overdrawn by excessive fees as I live and reside in XXXX Mo and we don't have a atm here and closest atm or branch is in XXXX MO or XXXX MO over XXXX away! They also never notified me in any form they would be closing account. I was suppose to receive direct deposit from Mo Unemployment XX/XX/2021 which was rejected! Therefore their actions caused me economic harm by putting me into a economic hardship during COVID-19 pandemic.

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 2021-04-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax and XXXX should not be reporting me as an authorized user on the XXXXK partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bank as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
There is a account on my credit for XXXX XXXX opened XXXX for {$210.00}. I have never received information on the debt and have tried to dispute through my credit asking for validation including information proving I opened the account but they never send me anything they just validate and keep it on my credit. I have been trying for almost 5 years to get it removed or validation. At this point I want it removed as I feel my rights have been violated by them not providing proof that I opened this account and that I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: MA

Complaint narrative:
Dear Madam or SIr, I did not ask US BANK credit card. I never had any account or business with US Bank I did not receive any credit card in my address XXXX XXXX XXXX XXXX MA XXXX I have been charged in my bank account at XXXX XXXX XXXX in $ {$36.00} for 3 months I asked my manager to block it I have been trying to talk with US BANK, but I am XXXX XXXX XXXX, and I am in XXXX due to pandemia I can not go now to the US I need to know who is using my identity and asking a credit card in my name and XXXX XXXX XXXX is charging me - ID XXXX My email is XXXX Att XXXX 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 monetary relief
Consumer complaint received 2021-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The purpose of the letter attached is to dispute the Bank of America credit card suspension, the negative effect i has had on my credit report, and denial of a recent application. Please, see the letter an d credit report attached.

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