vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-05 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: KS

Complaint narrative:
PayPal has " permanently limited '' my account claiming that I violated their policy. I dont sell items on PayPal ... I use it to easily transfer and or send money and to purchase items online ... they told me they will hold my money for 180 days and then email with instructions on how to get my money transferred, if I'm allowed to have my money after the 180 day time limit is up ... I'm not the only one they have done this too ... hundreds of people have the same problem ... after receiving deposits from unemployment PayPal sends this message saying the account is permanently limited for violation of the policy and that they no longer offer any services to me ... what I dont understand is my first unemployment payment was for over {$8000.00} and also deposited into my PayPal account ... however they never limited my account then nor have I had any issues with the account until the last deposit ... first of all PayPal is NOT a bank so why do they think they can operate as such? They are a payment platform ... it should be illegal for them to do this to people! I am a single mother and it's been 2 months since I got the XXXX and that was all gone as soon as I got it due to the months without any income so I need this money just as badly as I needed that money ... please please please help!!! I've reported the issue to PayPal via a transaction dispute and of course was not given any help at all ... I dont care if they want to do business with me or not because I will never ever use PayPal again once they release my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: BOK FINANCIAL CORP
State: NM

Complaint narrative:
I was given " cash for keys '' and settled with the Bank of Albuquerque or as they are known Bank of Oklahoma, with their lawyers, the State of New Mexico mediator, and myself. This agreement was in XXXX of last year, I was to leave the house XX/XX/XXXX, which I did. They have been reporting every month this year that I am not paying my mortgage and hurting my credit every month. When I called their lawyers, they said all the info is with the bank they are done with the case and will not deal with me. When I call the bank, they hung up on me and refuse to resolve. I can produce the check i received as well as contact the state who also have record of the agreement. I do not have a mortgage with them anymore it was resolved through a cash for keys settlement agreement and they are wrongfully charging me every month and still have it open in my name while I am not even at the property and they already are working deals on it with others. Completely no right or legal, and their inability to even talk to me is unbelievable and they should be held accountable. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: PA

Complaint narrative:
Experian is refusing to remove fraudulent information my wallet with my Identification and social security card were stolen someone has used my information to lease something I will attach my tax forms to prove I never lease anything with that company also will attach Identification IDs with precious address I already disputed this with two other credit bureau the items were removed with documentation submitted Experian is giving me a very hard time I will take legal action if they continue to advertise this information on my credit that doesnt belong to me ( fraudulent )

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 2020-09-05 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: NM

Complaint narrative:
I was given " cash for keys '' and settled with the XXXX XXXX XXXX or as they are known XXXX  XXXX XXXX, with their lawyers, the State of New Mexico mediator, and myself. This agreement was in XXXX of last year, I was to leave the house XX/XX/XXXX, which I did. They have been reporting every month this year that I am not paying my mortgage and hurting my credit every month. When I called their lawyers, they said all the info is with the bank they are done with the case and will not deal with me. When I call the bank, they hung up on me and refuse to resolve. I can produce the check i received as well as contact the state who also have record of the agreement. I do not have a mortgage with them anymore it was resolved through a cash for keys settlement agreement and they are wrongfully charging me every month and still have it open in my name while I am not even at the property and they already are working deals on it with others. Completely no right or legal, and their inability to even talk to me is unbelievable and they should be held accountable. 
XXXX 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 2020-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2020. I begin noticing, during this pandemic, that I was having money taken from my accounts from different lenders, but also it was appearing Wells Fargo was taking advantage of those of us who do t check our statements often. 
I checked my statements for the past 9 months and have had to dispute fraud charges XXXX months .But recently Wells Fargo began charging me.a monthly service charge of XXXX, for the account which was stated in contract and verbally, that if you had direct deposit of more than XXXX you were exempt from service charges. 
I mentioned this to Wells Fargo and 4 such employees mentioned that the direct deposit had to be put in the checking account, not savings as I had been. 
I quickly Reminded then that the contract I signed said nothing of mandatory checking deposit .After hours on theogony and a visit to the branch manager, they removed the charges .I have been treated poorly, disrespectful, rushed by Wells Fargo employees throughout this process .Meanwhile XXXX has disappeared from my account.I kindly mentioned that I would be contacting more authoritative and skilled people to address these issues.

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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Armada Corp.
State: WA

Complaint narrative:
I have disputed items that are too old to be in my credit report besides the fact that they should have been included in a bankruptcy. They would not remove the items off my credit and it has been hurting my credit score for too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I applied for SBA  loan in XX/XX/2020 under my name as individual XXXX XXXX ( XXXX  XXXX ) also under my bank account so in XX/XX/2020 i received XXXX in XX/XX/2020 the bank blocked my account which is XXXX $ and oblige me to open a business account to release the fund so i responded now its been 35 days allegedly under reviewing i went branch several time they told my contact management so i contacted management they told me visit the branch!!!!!!!!!!! many times and nothing changed ... so in need to set my business and bank refuse to unblock the account which caused to me business loss and delay i couldn't buy a new XXXX  car to start work or pay insurance i couldn't set up my XXXX XXXX in addition of through the pandemic period i never claim or receive any kind of unemployment or benefit please help me to sue this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I switched payment schedule from mail to direct deposit and the company has me 30 days late which is incorrect.

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 2020-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have consistently wrote the company LVNV Funding to provide me information on this debt with my signature in the amount of XXXX. This account is not my debt LVNV only gives me Billing Statements from a XXXX XXXX XXXX. I have never had an account with LVNV funding nor XXXX XXXX XXXX. If LVNV can not provide me with my signature i would like this account to be remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
I started an application and was unable to finish it. CashNetUSA pulled my credit based upon an incomplete application that I never submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I started an application and was unable to finish it. XXXX pulled my credit based upon an incomplete application that I never submitted.

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 2020-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
I have been getting a call starting XX/XX/2020 daily. The debt collector XXXX XXXX could not tell me the company she was calling or the reason for the call but stated each call I will have a case filed against me with XXXX County and they will be calling my job to speak with my supervisor. I also saved a voicemail when she called my XXXX year old daughter trying to locate me for a case filed against me and said that my daughter name and address is the most likely location for me. This totally terrified my child had her thinking I was going to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have always lived in XXXX. I moved for a XXXX XXXX job to XXXX  in XXXX of 2019. I called everyone of my bills, lenders, etc to give forwarding moving address. I moved to XXXX  and had difficulty with receiving a bill from Capital one. I had already given them the forwarding address. I have other credit cards with capital one, since they have brought out many of my credit card companies. I received all of the bills except one. I called Capital one, and the woman on the phone went through every one of my accounts and could see that my new address had changed to XXXX XXXX XXXX XXXX, XXXX XXXX. On this particular account though the person who had changed the account from Capital one had changed the address to XXXX instead of XXXX. There is no certain address. The USPS did not deliver and sent it back to Capital one marking undeliverable address. It took until I called to find this out. They have the correct address on all my other accounts with them, they have my  phone number, old address which could have been forwarded to me. The woman on the phone assured me that it was their error, that my account had been marked with non payment for XX/XX/2019 and was charged a XXXX late fee. I basically had a fit. I told the lady that I would pay the XXXX XXXX payment, as well as XX/XX/2019 since I was on the phone with her, and the XXXX. XXXX late fee. I pay XXXX total and my account was current. She apologized and stated it was human error. I stated this better not be put on my credit report since I have never been late on any of their payments, I had changed my address and it was their fault for typing address incorrectly. she stated it would not be. I then later applied for credit and learned that it had indeed been reported as an XX/XX/2019 late payment. Now why would anyone pay a XXXX late fee for a XXXX charge. for a credit card that ive always paid on time. Its ridiculous. I will close this account when its resolved because it is bad business. They are falsely reporting and breaking FACRA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
1 ) please see CFPB case XXXX 2 ) US Bank has now deducted an ADDITIONAL mortgage payment from my checking account that I NEVER approved, one on XX/XX/XXXX, the other on XX/XX/XXXX. I would NEVER approve an additional mortgage payment and instead I make ad hoc payments when I can to PRINCIPAL ONLY.

3 ) US Bank appears to have geri rigged my account to justify the missing money they mysteriously took from my checking account. Please see CFPB case XXXX 4 ) When I called them to resolve, they kept telling me that I could resolve the issue by simply making a standing additional payment. Firstly that is NO SOLUTION to this issue. Secondly, I CAN '' T do this because I don't always have money to make an additional payment AND because I have had numerous issues with their improperly putting such payments towards my mortgaged despite being clearly stated on the checks that the money is for principal payment only. Please see complaint : XXXX What is wrong with this bank?!! They are incapable of handling people 's money!!

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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion disclosure report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation