vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal has placed a reserve hold on my account due to the fact that I have sold a few items that were on preorder. There were three items in total which are no longer on preorder and have been or are in the process of being shipped to the customer. I have been a long time PayPal user in excellent standing with hundreds of transactions that were made as a seller and all items have been processed, shipped and delivered to my customers. PayPal has chosen to flag my account without any merit and has held to date {$1600.00} of my money without releasing it to me. If you review my account, you will see that every transaction has been successfully delivered to all of my customers and that there hasn't been any chargebacks etc. There is no reason for PayPal to hold my funds despite their claims that they are doing this out of caution. They has caused harm to my business by freezing my hard earned funds in which I need to pay off my creditors for supply that was sold. I have contacted everyone up to the executive office and PayPal just refuses to help me and resolve this matter by releasing my funds. Again, I have never had any issues with any of my transactions that would have even warrant such a hold, and now that everything is said and done, I can no longer operate as a PayPal merchant due this practice and all I want at this time is what is owed to me. PayPal has been holding my money hostage. They may claim that they are in the right for doing this, however this is completely without any merit. They continue to hold funds for all of my items, those that were even originally preorder items, and as a result I had to spend additional money in shipping costs, funds out of my pocket for issuing refunds and having to issue additional money from my pocket to pay off creditors in which the funds being held by PayPal are owed to me. No bank or any other company does this, especially without a valid reason that would warrant this action. Again, my transaction history with PayPal as a long standing user for over a decade speaks for itself. Never had a chargeback, never have not shipped an item to a customer, never had not communicated with my customers. Also with transactions linked to XXXX sales, I have 100 % positive feedback on my account as well. I am an exemplary PayPal user yet, they refuse to release this warrantless hold and after all efforts in trying to speak with them, they have not been forthcoming in any attempts or helping me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of 2017 my payment did not go through when it was on auto bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2020 I mailed in dispute letters to Equifax, XXXX  and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me a great amount of stress and is slowing down my process of getting a home. Its been over 45 days and i haven't gotten any results back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
hi, my name is XXXX XXXX I dont know if you could help me. About 10 years ago I was sued by XXXX credit card. They got a judgment against me they were taking money out of my paycheck when I worked at XXXX home improvement back in XXXX what I was always told was that the debt was canceled by XXXX. Today I got a letter from a lawyer that theyre coming after me for a judgment from XXXX  that happened in XXXX. I called XXXX and I dont owe them anything anymore. I did a canceled date on my taxes back in between XXXX to XXXX. I can get my taxes for that time did I cancel that. I spoke to XXXX  and I was told I dont know anything it was canceled. And XXXX would I open up a new credit card we discovered in 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 2020-11-10 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: AES/PHEAA
State: GA

Complaint narrative:
There are several delinquent federal loans reporting on my credit. These accounts aren't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX of the last letter,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/2020 I mailed in dispute letters to XX/XX/XXXX, Transunion and XX/XX/XXXX Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me a great amount of stress and is slowing down my process of getting a home. Its been over 45 days and i haven't gotten any results back.

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/2020 I mailed in dispute letters to XX/XX/XXXX, XX/XX/XXXX and Experian. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me a great amount of stress and is slowing down my process of getting a home. Its been over 45 days and i haven't gotten any results back.

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 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Chime Financial Inc
State: CA

Complaint narrative:
The company chime has my personal information on file which I did not authorize. When I inquired as to how they got this information, they said they could only talk to me if I had sent down a copy of my ID and my Social Security number, I scanned both in and I attached them to the email, but they still said they would not talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2020 claim was reported some items recovered at pawn shopXX/XX/XXXX XXXX dollars was paid out on this claim but on 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 2020-11-10 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: NV

Complaint narrative:
My personal information was involved in the XX/XX/XXXXdata breach and ever since I have had multiple accounts and other personal info on my credit reports that don't belong to me and I did not in no way authorize. I have filed a police report and identity theft report. I have disputed it with all three credit bureaus and still the stuff remains like Im liable for it when I did not authorize any of it.

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 2020-11-10 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: NV

Complaint narrative:
My personal information was involved in the Equifax data breach and ever since I have had multiple accounts and other personal info on my credit reports that don't belong to me and I did not in no way authorize. I have filed a police report and identity theft report. I have disputed it with all three credit bureaus and still the stuff remains like Im liable for it when I did not authorize any of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 50 days 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 investigate these items within 50 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 50 days 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 investigate these items within 50 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.

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 2020-11-10 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: TX

Complaint narrative:
On XX/XX/2020 ; I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. It has been over 50 days. I feel like I am being taken advantage of and they are completely ignoring my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. Since it has been over 50 days, they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-11-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 ; I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. It has been over 50 days. I feel like I am being taken advantage of and they are completely ignoring my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. Since it has been over 50 days, they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-11-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Rocket mortgage charged me {$500.00} up front for an appraisal they insisted on before going forward with the loan process past the pre-approval. Once received and appraisal completed I was not satisfied with the appraisal and they refused to assist in getting corrections made to it that were incorrect and inconsistent. They strung me along from XXXX through XXXX asking for more document and updated documents almost daily. They requested complete access to my bank accounts. Underwriting took so long to process each document that the previous documents that were given to them would expire. This drug on so long my original appraisal expired and they sent the same appraiser out again for a new one even though I had requested they send another agency out. I spent hours amd hours gathering documents for this loan. In the end I was told after even making a date for closing that there was a lien on my property which I had to resolve- and I did through negotiations with the XXXX XXXX company to temporarily cancel theXX/XX/XXXXXXXX After that I was told that now my debt to income ratio was too high even though the were paying off all of my debt as a condition of the refinance. The only payment I would then have would have been my mortgage and the rental agreement on my XX/XX/XXXX which if added to the new mortgage payment would still been less that what I am shelling out in payments prior to the refinance. I was passed around between several people and asked repeatedly for documents I had already submitted. This process cost me time, money and more stress than was necessary all for the fake promise of an extraordinary interest rate. Also, the closing costs were extremely high for such a small loan. {$10000.00} for an XXXX loan- insane

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: GA

Complaint narrative:
There are several delinquent federal loans reporting on my credit. These accounts aren't mine.

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 2020-11-10 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:
There are several delinquent federal loans reporting on my credit. These accounts aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: GA

Complaint narrative:
There are several delinquent federal loans reporting on my credit. These accounts aren't mine.

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 2020-11-10 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: NV

Complaint narrative:
I filed a dispute with all three credit bureaus more than once now since XX/XX/2020 about accounts on my report that don't belong to me. Someone stole my identity and I filed a police report with XXXX XXXX XXXX Police and identity theft report as well. After going back and forth multiple times with all three credit bureaus disputing these accounts they have still not been removed from my report. I provided everything they asked for and they have nothing showing my actual signature on these accounts or anything proving otherwise. They keep putting them back on my report.

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 2020-11-10 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: NV

Complaint narrative:
I filed a dispute with all three credit bureaus more than once now since XX/XX/2020 about accounts on my report that don't belong to me. Someone stole my identity and I filed a police report with XXXX XXXX XXXX Police and identity theft report as well. After going back and forth multiple times with all three credit bureaus disputing these accounts they have still not been removed from my report. I provided everything they asked for and they have nothing showing my actual signature on these accounts or anything proving otherwise. They keep putting them back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief