vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX, I had borrowed up to {$800.00} from CashNetUSA. They wanted me to pay {$390.00} and I asked for a payment arrangement because being on XXXX I could not afford to pay that much at one time ( they had worked with me before ). They did not agree to a plan I could afford this time so I had the bank to stop any payment to this company. They kept adding interest and ran the account up to {$1700.00}. I did not hear from them until XX/XX/XXXX. They offered me a settlement of {$860.00} instead of the {$1700.00} and I had to let them know by XX/XX/XXXX. I agreed to pay {$170.00} a month starting on XX/XX/XXXX through XX/XX/XXXX. They agreed but wanted it to start on XX/XX/XXXX. I contacted them on XX/XX/XXXX and told them that they were breaching the payment agreement when they did not withdraw the money from my account. They emailed me back and said it will take 2 days to post to my account. It is XX/XX/XXXX and they have not withdrawn the {$170.00} from my bank account.

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: Paypal Holdings, Inc
State: ME

Complaint narrative:
On XX/XX/21 I was the victim of a fraudulent Venmo request or spoofing where a user impersonated my sister. I sent {$400.00} to the scammer but realized almost immediately my mistake. Although the charge was still pending Venmo refused to freeze it and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
XX/XX/2021 I contacted Flagstar bank to refinance my loan. My income has reduced recently. A new mortgage with the low rates that are offered right now would reduce my payment to an affordable amount for me. I spoke with a XXXX. I was at work and did not have documents in front of me so I recited to him what I could remember about my income. He determined my debt by my credit report. He came up with a debt to income of 94 %! I knew something had to be wrong with this amount but he wasn't very clear about how he came up with that percentage ( He most likely counted my recently refinance truck 2x because its on my credit report 2x until the old company drops it off of my report ). I told XXXX that didn't seem correct. My debt to income IS the reason I need to refinance but it's not that bad. He repeated that he couldn't help me and we hung up. 
Since then I have called twice asking to speak to someone about refinancing because something needs to be done, soon. I've been transferred to a message machine, I've been told an email was sent out to XXXX to reopen the application ( I have copies of email ), I've emailed XXXX, all to no avail. No one from my lender will discuss what I can do. 
Then, on XX/XX/2021 I received a letter from my lender that they are raising my mortgage payment by {$100.00}. The same mortgage they couldn't refinance because my debt to income was not good enough they have just made worse. I called in XXXX I believe to ask for the PMI ( mortgage insurance ) could be removed and was told with my loan it can never be removed. 
Something needs to give here. My lender won't answer my emails, won't return my calls, won't communicate with me. I have never been late on my mortgage or anything else, I've never missed a mortgage payment or anything else, I have an excellent credit score of XXXX. I need my lender to work with me here before a problem starts like a missed payment which would lead to foreclosure problems. Anything besides this ignoring me would help. 
Thank You for your time. 
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 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: EQUIFAX, INC.
State: ND

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
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

Complaint narrative:
PayPal closed my account for no reason yesterday, XX/XX/2021, 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 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. I have funds amounting to {$560.00} ( gross amount ) that are on hold for 180 days. I just can't believe that PayPal hinders me from withdrawing my own money. My email linked to my PayPal is XXXX Thank you!

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 — Was not notified of investigation status or results
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
This is a formal complaint against United Auto located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, United Auto has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/21 I tried to deposit {$1000.00} USD from my bank account to Binance.US. There was no confirmation of a successful deposit ( either through email or Binance.US ), so I tried to make the same deposit again, and still no confirmation of a successful deposit. I check their support page on how to see if a deposit was successful using this link : https : XXXX. When I follow those instructions, my transaction history shows nothing for deposits, so from that I am under the assumption that no money was actually moved, and I decide to deactivate my Binance.US account because I decide I don't want to use that platform. 


On XX/XX/21 I see two pending transactions on my bank account : two {$1000.00} withdrawals from Binance.US, despite receiving no indication of a successful transaction ( described above ). 


On XX/XX/21 I see the two pending transactions are now posted, meaning that Binance.US indeed took my money without giving me any confirmation or indication of a successful transfer. Trying to get in touch with support to reactivate my account with them so I can attempt to withdraw the money and send it back to my bank and nothing so far. From reading other testimonials, it takes weeks or even months to even hear back from them.

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: AL

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

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: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Multiple accounts have been opened or have tried to be opened in my name. 

List follow as such : XXXX XXXX XXXX XXXX on XXXX the XXXX 2021 ( Checking and Savings ) - XXXX XXXX XXXX XXXX XXXX on XXXX the XXXX 2021 ( Checking and Savings ) - PNC Bank Region 1 on XX/XX/ 2021 - Multiple With XXXX XXXXXXXX XXXX from the XXXX to the XXXX of XX/XX/ 2021 - And More PNC Bank on XX/XX/XXXX and XXXX 2021. 

( From XXXX XXXXXXXX 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am puzzled that the below inquires appear on my credit report. Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 

Prove to me that the inclusion of this inquiry complies with this federal law, or remove them now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/XXXX

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

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
United Wholesale Mortgage offers a Budget Drafting Program. They have a list of requirements including filling out a form, adding ACH, and paying at least a month ahead of time in order to enroll. I have now filled out the same form several times over the last 7 months including paying the extra month in advance and have still yet to be enrolled into the program. Every time I call, the UWM representative agrees that I have done everything right in order to be in the program but they say there is nothing more they or I can do as it is another department who approves which I am not allowed to be in contact with. I have asked to speak to supervisors but am always told there a none available and that one will call me back. I have never, not once, received a call back. I am fed up with spending so much time for an advertised program as well as paying extra ahead of time to just be misled. Please help!

Company response to consumer: Closed with explanation
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

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 affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX I have followed all of their policies, submitted tracking info, submitted documents, etc yet they have banned me. I even called up the bank to check my card etc and nothing was wrong on their side. I have appealed, etc yet I am not getting any proper customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Biehl & Biehl, Inc
State: NV

Complaint narrative:
Claim that we owe an extra {$210.00} on freight for a shipment from XXXX XXXX dated XXXX. 

On XX/XX/XXXX we contacted XXXX XXXXXXXX. Their last shipment to XXXX was XX/XX/XXXX which corresponds to our records and we have no outstanding balance with them. 

On XX/XX/XXXX we asked the collection agency Biehl & Biehl for a copy of the original invoice. They sent us an invoice from XXXX freight on a shipment from XXXX  dated XX/XX/XXXX. 

On XX/XX/XXXX we contacted XXXX. They show no write-off or past due amounts on our account going back to XXXX. 

XXXX Biehl & Biehl. Many complaints about this company regarding bogus XXXX shipping charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
This account was opened up in behalf of my ex wife and she did agree to make the payment. My complaint is that the account is reported as {$29000.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of the vehicle far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 3 years and it has been hurting me XXXX  credit the entire time.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX have two accounts showing two different amounts on my credit report. I wrote to Transunion, XXXX and XXXX  to have these accounts removed. I wrote to XXXX XXXX XXXX. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me.

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation