vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-11 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:
On XX/XX/2021, the amount of XXXX usd has been taken by paypal from my account. I has been informed by paypal that I can withdraw the balance after my account has been limited for 180days. I have been waiting all the time. I logged in my account and want to check status of the account, however, I found my money was gone!!!!! 

I earned the money by myself, that is mine! why paypal can ignore the LAW and took money from others without a reason, without a notification. 

It seems I was not the only one who suffered this, because I found some posts from others about similar issue. 

I wish I can get help from you, and get the money back to me. thanks! the email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
In XX/XX/XXXX I was transported to the hospital by XXXX XXXX. When I received the bill I provided both my XXXX and XXXX  insurance information. Around XX/XX/XXXX I received a call late at night from a very rude person saying I owe XXXX XXXX XXXX. I informed him that I don't and that not only did I provide both my insurance, you can not bill XXXX recipients separately. He said it's going to go on your credit. I said you can not do that. I provided all my information and do not owe you any money. Stop harassing me. You are calling late at night and being very rude. I informed him to remove my number from the system and send me any further communication in writing. XXXX XXXX still put me in collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: Total Card, Inc.
State: DC

Complaint narrative:
On XX/XX/2020, I received an email from XXXX  XXXX XXXX, Total Visa that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued In spite of this notice, I made a payment that was posted on XX/XX/2020 and another on XX/XX/2020. A new card was NEVER sent in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a 30-day-late-status reported for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the Total, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, after calling back to Total Visa about my credit report 30 day late notification, on XX/XX/2020 I received the new card that the original email stated that I would receive automatically. 

I have disputed this information several times through the credit bureau. Last year XXXX  XXXX XXXX, Total responded to my complaint but it had some inconsistencies with the my statements and dates. TOTAL has refused to assume any responsibility for THEIR data breach, lack of communication on what was my current account numbers and reissuance of cards which was ultimately THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
I will be willing to have a no information found or reported but the late payment status is not justified. 
All documents proving these statements are attached. 
I emailed and faxed this dispute and in spite of being called and told that it would be fixed ASAP, it hasnt. I AM IN THE PROCESS OF TRYING TO BUY A HOME AND THIS IS HINDERING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: DC

Complaint narrative:
On XX/XX/2020, I received an email from XXXX  XXXX XXXX, Total Visa that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued In spite of this notice, I made a payment that was posted on XX/XX/2020 and another on XX/XX/2020. A new card was NEVER sent in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a 30-day-late-status reported for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the Total, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, after calling back to Total Visa about my credit report 30 day late notification, on XX/XX/2020 I received the new card that the original email stated that I would receive automatically. 

I have disputed this information several times through the credit bureau. Last year XXXX  XXXX XXXX, Total responded to my complaint but it had some inconsistencies with the my statements and dates. TOTAL has refused to assume any responsibility for THEIR data breach, lack of communication on what was my current account numbers and reissuance of cards which was ultimately THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP.

I will be willing to have a no information found or reported but the late payment status is not justified. 
All documents proving these statements are attached. 
I emailed and faxed this dispute and in spite of being called and told that it would be fixed ASAP, it hasnt. I AM IN THE PROCESS OF TRYING TO BUY A HOME AND THIS IS HINDERING ME.

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 2021-04-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings
State: CA

Complaint narrative:
The IQ DATA INTERNATIONAL company collects the debt that I do not owe. The amount keeps increasing without any notice. 
I have disputed to XXXX  to original creditor XXXX Original Date : XX/XX/2019 Current Date : XX/XX/2019 ( From Credit 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 2021-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX and XXXX Opinion by facts! No matter how simple you state it or how often these companies can not get correct. Time after time disputes rejected but correction data remains. The CFPB says hey is this the same complaint- DUH tells you how worthless they are. Of course its not correct and n one does anything Opinion a rip off of the American tax payer. " We're sorry. You replied to a confirmation-only address that can't accept incoming e-mail. For more customer service options, please access XXXX '' Incompetence or deliberate you decide.

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 2021-04-11 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: DC

Complaint narrative:
On XX/XX/2020, I received an email from XXXX  XXXX XXXX, XXXX  XXXX  that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued In spite of this notice, I made a payment that was posted on XX/XX/2020 and another on XX/XX/2020. A new card was NEVER sent in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a 30-day-late-status reported for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the XXXX, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, after calling back to XXXX  XXXX   about my credit report 30 day late notification, on XX/XX/2020 I received the new card that the original email stated that I would receive automatically. 

I have disputed this information several times through the credit bureau. Last year XXXX  XXXX XXXX, XXXX responded to my complaint but it had some inconsistencies with the my statements and dates. XXXX  has refused to assume any responsibility for THEIR data breach, lack of communication on what was my current account numbers and reissuance of cards which was ultimately THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
I will be willing to have a no information found or reported but the late payment status is not justified. 
All documents proving these statements are attached. 
I emailed and faxed this dispute and in spite of being called and told that it would be fixed ASAP, it hasnt. I AM IN THE PROCESS OF TRYING TO BUY A HOME AND THIS IS HINDERING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Oklahoma Student Loan Authority
State: OH

Complaint narrative:
In 2019 around XXXX I decided to join the XXXX. I enlisted XX/XX/2019, and found out that I was leaving to go to basic a week later. I called my students loan to make sure they had me in deferment but the system was down that whole week. I went off to basic for my students loan to take me out deferment because I wasnt in school and start charging me for my students loan from XXXX of 2019. I called the company to see if they can take of my credit report. The company Osla told me they cant take off my credit unless I was XXXX for those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Sezzle Inc.
State: WA

Complaint narrative:
Sezzle Inc refuses to acknowledge and follow its own published dispute policies. I have had 2 recent issues with merchants where they clearly violated the merchant guidelines published on Sezzles website resulting in a case that clearly qualified for a dispute. In both instances, the company completely refused to even open a dispute and investigate the now fraudulent charges. 

The first instance was a merchant named XXXX XXXX. This merchant shipped the package to the wrong address and admitted it via email, but refused a refund. Screenshots of all conversations with the merchant, including their admission were submitted to Sezzle and they refused to investigate the dispute. 

Most recently, I used Sezzle to make a {$730.00} purchase from one of their merchants XXXX, and paid for expedited delivery with an advertised delivery date of XX/XX/2021. As of XX/XX/2021 this purchase still has not been shipped by the merchant, a clear violation of the published Merchant policies on Sezzle.com, and a situation that is specifically pointed to in their customer dispute policy. Documentation and requests have been submitted to Sezzle Inc via their online portal multiple times. As of XX/XX/2021 Sezzle responded stating that they would not open an investigation. This company refuses to support customers when there is an issue and instead continues to withdraw funds from customer accounts in an effort to support fraudulent merchants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NV

Complaint narrative:
Close to XX/XX/2021 I opened a dispute for a ACH transaction. I received a letter in the mail and is more than 10 days and I havent received temporary credits for the transaction and overdraft fees charged by US Bank. 
I called again and they said that they are going to reopen the dispute, I dont understand why I have to reopen a dispute that was opened before. 
Now I see a transaction for {$360.00} with a name of Forced Post ACH, I dont understand what is this transaction for, I havent provide that information to anyone.

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 2021-04-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit score dropped 89 points after paying a credit card balance down from 95 percent usage to 7 percent usage and nothing negative added and all open accounts paid on time for over a year. Even people on the phone from Equifax can't explain it and say they can't fix it. Should have went to XXXX at the least not drop to XXXX and ruin my loan chance this coming week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is an account that has been reported with an incorrect balance, incorrect payment history, incorrect opening date and all 3 of these issues have been brought to the attention of the Credit Bureau by dispute. 

However, each dispute has come back as 'VERIFIED '.

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 2021-04-11 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: IA

Complaint narrative:
paypal put a permanently limitation on my paypal account without a reason, and they won't help me to reinstate my account. Anyway, they told me that I can withdraw the balance after 180days limitation passed. I found that the balance on my account was gone. Based on the record in my recent activities, it says there is a amount of {$1600.00} has been transferred to paypal due to so called damages caused. Well, I contacted paypal for help, but no one can tell me the exact reason behind all this. I didn't receive any notification about this transfer, and this transaction didn't get my approval and authorization. I feel this is illegal and that's why I report this to you, and wish you can help me out. The email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I have an account balance from XXXX XXXX that I can't withdraw at all because of Gemini. Gemini owns XXXX XXXX and what happened is that my gemini account got deleted without any notice. I was not verified yet after almost 2 months and i figured there was a bug with my account. I tried creating a new account, with my job e-mail, and provide better pictures of my passport etc, but unfortunately it wont let me create a new account. It is saying that my e-mail address is unavailable. XXXX So now Gemini / XXXX owns my money and it is impossible for me to withdraw it. I have been sending numerous e-mails to their customer service and got no replies. It's been 2 months now ... I need this money back. This is fraud. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation