vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 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: TX

Complaint narrative:
Paypal has permanently limited my business account without reason and is holding my funds from a sale that I made of {$530.00}. 
Monday, XX/XX/2020 I made a sale on XXXX for an XXXX XXXX  XXXX '' XXXX XXXX XXXX XXXX. Total sale price was {$700.00}. I refunded the buyer {$150.00} after the item was delivered because of issues with the warranty of the item. Customer was happy and positive feedback was left on both ends. Paypal placed my remaining funds on hold ( temporary limitation ) and asked me to submit proof of Identification, proof of original receipt of the item & proof that the order had been fulfilled ( tracking confirmation ). I submitted proof of everything yet Paypal still held my funds. I contacted them asking for the funds to be released since I submitted all required documentation and my customer is happy, yet they still kept the hold on the funds. XX/XX/XXXX, I contacted PayPal again because I was told to wait 3 days after the delivery confirmation and my funds would be released, yet they were still on hold. So I contacted them again via the message center but I was informed by the representative that my account had been permanently limited and she couldn't give me a reason. I had done nothing wrong. I didn't violate any terms of use nor did I violate PayPal 's Acceptable Use policy. I simply sold an item of high value. My customer was happy with his item, left positive feedback & was even happy that we agreed on a partial refund. Why is my {$530.00} still being held for 180 days and why was my account permanently limited? 
Account ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson Cruz & Associates LLC
State: CA

Complaint narrative:
On XX/XX/2020 I received notice that a collection account had been added to my XXXX   report from XXXX XXXX XXXX XXXX At this point I had not been provided anything in writing explaining this alleged debt. I sent them a validation letter which I mailed certified on XX/XX/2020. On XX/XX/2020 I received a letter NOT from XXXX XXXX XXXX XXXX XXXX but some company named Nelson Cruz & Associates claiming that XXXX XXXX XXXX XXXX was their client, and that I had an outstanding balance of XXXX which was assigned to their office on XX/XX/2020. Upon research I found that they are also a debt collection agency who is working under guise of a law office for XXXX XXXX XXXX XXXX to trick consumers into paying invalidated debts. I also sent the alleged law office a letter asking them to validate the alleged debt on XX/XX/2020, and have yet to hear back. 

On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX XXXX during which I asked the representative XXXX if they had gotten the letter she advised that they had received it. She advised that they would be sending a response soon I ended advising that I would wait for the letter before discussing anything further with them. However a few hours later I received yet another alert from XXXX advising that XXXX XXXX XXXX XXXX had hard pulled my credit report for an installment loan. I did not authorize them to pull my report and further they are a collection agency not a creditor who provides loans. I presume they pulled my report due to them trying to obtain information to validate the alleged debt. 

Additionally, the alleged debt upon research is for a company called XXXX XXXX who is no longer in business and have not been for at least 4 years. I have also reached out to them and they have no evidence that I owe debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I received a letter from IC Systems XXXX XXXX XXXX XXXX, MN XXXX regarding a XXXX bill that I had already informed XXXX that I could not pay and was XXXX  XXXX  when the contract was signed. I have had XXXX for 18 years and have no assets or ability to pay and to cease and desist meaning do not contact me. I advised IC Systems by phone and letter to flag my account. XXXX was again copied on that letter. Then XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX, Fl. XXXX so notified them regarding my situation and copied XXXX again. Then today XX/XX/XXXX I receive another letter from a third collection agency called XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX , MN XXXX demanding payment. All four companies have been notified to Cease and Desist yet they continue to contact and harass me for this bill. What company has a XXXX  XXXX  XXXX  with no assets buy five phones except for sales commission and greed and send collection accounts to three agencies within nine months.

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 2020-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I had an income based repayment and now they are stating that they can no longer to it ... I cant get a job in the field I went to school for because this school wasnt accrediated ... I dont understand why I'm even needing to pay these back when they should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: Coinbase, Inc.
State: NC

Complaint narrative:
I I froze my account because I thought someone was trying to hack the account. I have provided verification of my identity by scanning my license and my face but I have not been allowed to access account. No one ever answers my calls. They ask you to go to on line support but nothing is done to contact me. It sure looks like I am being scammed out of my money. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is my problem, I was refused a Credit Card because what Transunion is Reporting to XXXX - that there is a Bankruptcy on Report? 

I tried calling and calling I got nowhere with their first line of phone reps - they keep repeating over the same canned answers, I called 2 or 3 times they all say the same thing, I asked to talk to a Supervisor and they put me on Permanent Hold after 30 minutes Ive hung up that is so rude! 

I went online to Transunion to check out my Report - there is nothing Negative, and No Bankruptcy ( I did have one 11 years ago - that was removed by the other Credit Agencies early last year, and I was told Transunion did also ) I tried to Dispute this Online there is No way to do this on your website I was going to Upload the Attachment. 

I called XXXX, they told me this is what was reported from Transunion and this is all they can go by, I also applied for a XXXX Credit Card last month and I was told the same thing that this would need to be corrected, no matter what I say they need it from Transunion in writing. 

Also, the Transunion rep said there was No Bankruptcy on my report, so obviously there is a Disconnect on what he can see and what they are Reporting to me and Creditors that Inquire?? 

I tried several months ago to talk to someone that would actually listen that there was a problem with my Transunion account - after the 10 year period of the Bankruptcy dropped off in early 2019 my Credit Score with both XXXX and XXXX shot up close to 100 points higher, it never had much of a rise with Transunion showing another Disconnect that is wrong, and I was trying to explain there must be a glitch in your system. ( I never got anywhere even once I got a hold of someone it was like talking to a wall, the response was there is no way Transuonions computers are wrong and would not look any further, way over frustrated I gave up. ) Transunion has Mailed me Reports and I've looked at them side by side the other Credit Bureaus, there really is no difference at least the ones that were mailed or I can view online, but the attached is proof that Transunion is giving False Information to my Creditors, effecting my Score, my Credit Rating and being able to apply and get Credit

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 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2019 2 fraudulent checks in the amount of {$4000.00} & {$4900.00} from XXXX was deposited at Bank Of America ATM in Maryland. I called Bank Of America to do a claim due to I did not make these deposits ... claim # XXXX was open and I am a XXXX XXXX never been to Maryland. after 30 days I I was notified by mail that my account was closed and I am liable for the fraudulent checks. I did a appeal and received the same notice stating I was liable. Upon calling i was advised that I can not open another account for 7 years. I asked was a full investigation was completed and I was advised that I should file a police report. Bank Of America didnt try to help me at all.

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 2020-03-02 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-03-02 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: AZ

Complaint narrative:
I paid off the balance on my Capitol One Credit Card, like I do every month, only this month, my access to my credit line was disrupted. I contacted Capitol One and they told me they placed a 7 day hold on the account to allow sufficient time for the payment to clear. I asked them why I was able to access my credit line for 2 days after posting payment and they couldn't or wouldn't tell me. I contacted my bank and they gave me the exact date and time that Capitol One received my payment and even provided me with a trace number. The supervisor at Capitol One claimed they could not use the trace number my bank provided, they could not access my Credit Card account to see the posted payment, and could not tell me exactly why, after 6 months with no issues my account was placed on a 7 day hold. The only way to get access to my Line of Credit prior to the 7 day hold is for me to call them and stay and on the line while they call my bank to get verbal verification from them that they ( Capitol One XXXX received the money. I have NEVER encountered this problem with my XXXX XXXX. So my question/complaint is this : Is what Capitol One is doing a XXXX legal, b XXXX ethical ( I'm thinking a hard NO on this one ), and c ) Is there any way to prevent this from occurring again in the future?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: PNC Bank N.A.
State: OH

Complaint narrative:
Ive had a consumer credit card with PNC bank for over 10 years. Ive always paid the card on time. It was previously a National City Bank Card prior to the PNC Bank purchasing National City. 

Over a year ago, I set up an automatic payment on the PNC system. Ive done this for all my credit cards so that I would never miss a payment. On XX/XX/2020, PNC bank for unknown reasons and without notification stopped the automatic payment. They also locked me out of my online account and used an errant phone number for a two step verification that I couldnt navigate because the number is incorrect ( ending in XXXX ). I contend this is the first of many bank errors. On XX/XX/XXXX, I was contacted by PNC bank at my correct number ( ending in XXXX ) to tell me my payment was late ( PNC had my correct number in their system ). I immediately payed the remaining balance and asked if this had been reported to the credit agencies. At first they refused to tell me it had been reported but upon escalation, I was told it had been reported. I stated that this is an error and requested they remove the damaging information from my credit report. ( This is the only late pay on my entire credit report that goes back 7 years and its extremely damaging to me personally and to my family financially ). Further, PNC admits they did not notify me either in writing or by phone that my auto payment had been ended or that my payment had been missed until after the issue was reported to a credit bureau. 

I immediately filed a complaint with XXXX. Ive met with a local PNC Branch Manager for a call with XXXX XXXX, who claimed to be my PNC advocate in this situation. He, thus far, has refused to admit the bank was in error, even though he admitted they had the wrong number for me in their mobile banking but had the correct number for me in my customer profile. Further, I requested the error logs and management of change documentation on their auto-pay system to determine if an error was possible in shutting off the auto-pay in XXXX. ( All of my other credit cards have auto pay set indefinitely ). PNC has refused to supply me with this information and said that I would have to subpoena the information. Ive asked for his boss to call me and also requested a meeting with the regional bank manager. 

PNC has a vested interest to not admit any error even though there is clearly one error and a number of system and system induced errors. I had hoped PNC would have corrected this mistake and I could have avoided filing a complaint, as I am now forced to do. I ask that PNC either remove the damaging information from my credit report or do not contest my complaints with any of the credit agencies they reported this incorrect information. I also ask from assistance from the CFPB in resolving this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO

Complaint narrative:
Simmons bank has purchased XXXX XXXX in XXXX Mo. They will not answer their phones or any type of internet communications. This bank is slow slow and very inconvenient to work with. This bank needs to be investigated so we can get the proper service we require.

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 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX I had a SunTrust bank account opened up I went inside the branch and I spoke with one of their bankers appethai my sister did not have a bank account and she had to receive some government checks contacts so my question to the bank or was how would I be able to cash my sister 's checks without her being here at the time she was very sick and she was bedridden he assured me that in gave me some forms and showed me if I filled out the forms and a power of attorney that I would be able to deposit my sister 's checks into the account totaling {$10000.00} it was two checks well the checks were sent back when I deposited them the check was sent back to the IRS and my account was closed for fraud and now I'm opened up a business account XXXX for my business and they are closing my account and I'm not able to open the account anywhere due to this fraud on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I have XXXX XXXX protection against balance billing. XXXX   means qualified XXXX beneficiary for low incomes. If the provider accepts XXXX they, by law, accept XXXX. After XXXX pays, XXXX pays the rest of the bill per XXXX standards of payments for the service. The fact that the provider doesnt accept XXXX is meaningless. Both XXXX and XXXX paid.I dont have full XXXX. XXXX only pays what XXXX does not so XXXX paying a XXXX  bill is a XXXX protection payment not a XXXX payment. I told XXXX XXXX that XXXX paying as a XXXX supplement doesnt mean I have XXXX. It just means XXXX is part of a XXXX  ( XXXX XXXX XXXX ) and  acting as a XXXX protection, XXXX will call both of XXXX and XXXX XXXX. It is illegal to balance bill a XXXX  and against Federal law.

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 2020-03-02 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: FL

Complaint narrative:
I have been a victim of identity theft and my credit has suffered tremendously due to it. I am trying to purchase a home this year and this has taken a huge toll on me and my family. We have a tough time getting approved for the most basic things due to this and we are just tired of it. We have tried to notify the credit bureaus to no avail and would like to see if you can help. Please help me in this matter thank you.

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 2020-03-02 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: GA

Complaint narrative:
My information was compromised as the result of the data breach at Equifax. In reviewing my credit reports, I discovered that there were accounts on my credit reports that did not belong to me. 

The dates and amounts in question are : XX/XX/XXXX - {$14000.00} XX/XX/XXXX - {$960.00} XX/XX/XXXX - {$220.00} To correct this situation, I followed all steps according to the law to have these items deleted from my credit reports. The fraudulent accounts found on my credit reports were deleted by both XXXX  and XXXX. Oddly enough, Equifax ( who was the sole cause of my information being compromised in the first place ) is the only credit bureau who did not delete these fraudulent accounts. They have failed me on my efforts to have these accounts deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: FL

Complaint narrative:
I have been a victim of identity theft and my credit has suffered tremendously due to it. I am trying to purchase a home this year and this has taken a huge toll on me and my family. We have a tough time getting approved for the most basic things due to this and we are just tired of it. We have tried to notify the credit bureaus to no avail and would like to see if you can help. Please help me in this matter thank you.

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 2020-03-02 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: FL

Complaint narrative:
I have been a victim of identity theft and my credit has suffered tremendously due to it. I am trying to purchase a home this year and this has taken a huge toll on me and my family. We have a tough time getting approved for the most basic things due to this and we are just tired of it. We have tried to notify the credit bureaus to no avail and would like to see if you can help. Please help me in this matter thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: FL

Complaint narrative:
Inaccurate information on credit 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 2020-03-03 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: CA

Complaint narrative:
XXXX/XXXX XXXX transferred the loan to XXXX when I paid XXXX off in 2017. XXXX is reporting the loan on Experian as an unpaid chargeoff with a balance of {$19000.00} 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