vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 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: OH

Complaint narrative:
PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in XXXX but after more than XXXX minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. 

my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bankers Auto Acceptance
State: CA

Complaint narrative:
COVID-19 HARDSHIP DEBT RELIEF!!! FRESH START DISPUTE LETTER ( removed open collections, remove closed collections, remove hard inquiries ). PROTECTION LAWS ( Section 609, Section 611, Section 613, FCRA Fair Credit Reporting Act, CCPA Consumer Credit Protection Act, CPPA Consumer Privacy Protection Act ). Respective

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NV

Complaint narrative:
I have had a CHIME account for months and it sat around but I had my XXXX XXXX account attached and just about a week or two ago I signed up for direct deposit through CHIME and on XX/XX/21 my account was supposedly closed per CHIME but come to find out it was closed the day of my direct deposit after it was deposited. They wont give me any info on my account and I have no idea where my direct deposit funds of {$730.00} is at. Please help me my rent is passed due and I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
We were solicited by mail for a personal loan up to $ XXXX, with fixed bi-weekly payments over XXXX months, at an UNCONSCIONABLE INTEREST RATE OF XXXX  %. IS THIS LEGAL? Also, its not clear whether or not its a secured loan, and if so, by what. 

We did not act on it, but I want to bring your attention to this. Please scrutinize/review/audit the company and its practices for all irregularities. 
Oportun XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Which is odd too - its a XXXX near the XXXX of XXXX XXXX, not a place associated with finance. 

'All that is necessary for evil to succeed is that good men do nothing. ' XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over XXXX days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: IL

Complaint narrative:
I have mailed in several requests to the credit bureaus Equifax, XXXX and XXXX and requested that they remove inaccurate information from my reports. They have not verified what they are reporting per my request and rights under the FCRA, nor have they made the changes requested. I have enclosed proof of my previous correspondence and letters from the courts that state they do NOT report any information to the credit bureaus which is contradictory of what I am being told by all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
When not that my account is close do to the withdraws make it started in the spring of 2020 to XXXX with maybe one or two things here or there then in XXXX they made some big purchases that cleaned my life saving and I was in debt for almost {$1000.00} the store that they shopped at XXXX online was able to cut them off at a point. I didn't know where to go to besides bit my bank I tried to file a report with them but in the end they just thought that did it to myself and just wanted to make them give me money. No one that I spoke to even suggested another option that I could turn to so I just had to have debt companies call me non stop for $ $ $ I didn't have for months I saw that my PayPal account was hacked a few months ago. Not really sure if anything can be done now but just decided to file a report anyway.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am experiencing difficulty paying my mortgage as part of my loss of employment during COVID Pandemic. I have a FHA mortgage and this is my first home. I have been overwhelmed by phone calls, text msgs, notes in my mailbox as well as a person coming on to my property to take pictures. I feel harassed by people who want to purchase my home and who know I am having mortgage challenges. 

I have reason to believe that my mortgage banker M and T Bank representatives are sharing my private information with people who want to exploit and take advantage of my mortgage problem. All these attempts are to buy my home. This information is not public. There is no other way for these people to know without this information given to them from my bank. 

I am being harassed. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
Predatory lending. 34 states have sued them and they recently failed an Oklahoma audit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vericred Solutions LLC
State: NY

Complaint narrative:
This company refused to show me the correct amount own, they sold the car and have not show me the amount they sold it, so they are trying to collect the same amount twice. 
they refused to show me document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I submitted two payments on XX/XX/2021 in the amounts of {$260.00} and {$260.00} through PayPal. Both transactions were refunded, and the payments were cleared as refunded on the PayPal app and website on XX/XX/2021. As of today, XX/XX/2021, I have not received the refunds totaling {$520.00} in my bank account. PayPal refuses to follow up, and my ticket was closed after the customer service representative submitted tracing info and told me I would receive the tracing info so I could present it to my bank. I never received the tracing info, and I had to start the process all over again. Further, I am deeply troubled by my bank statement, as my money appears to have disappeared into the abyss, and the transaction history has been altered as it is not reflected in my PayPal balance nor my bank statement, except for the amount reflected in currently available which is exactly {$520.00} less than what should be in my account. 


PayPal has not followed their own policies or terms of service, and their reps are telling me one thing which never aligns as accurate according to my bank statement. 


I am filing a complaint and will see it through with this institution and others until I have received my {$520.00} back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
i opened this grain account and i havent been able to access the app AT ALL. customer service is Non-Existent and they take monthly payments out of my checking account i literally Dont have the option of making manual payments. i cant even see my current balance when you go to their app it says your bank is already connected and shows a loading screen ive waited 15 minutes, deleted and reinstalled app, erased cookies etc. the app is not allowing me to view my credit card info like my balance interest etc yet they continue to take monthly payments with interest im beginning to think this is a scam please help! ive emailed and called several times with no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Case # XXXX I created an account about a week ago. I provided multiple documents ( Drivers ID, Employment Card ) and a selfie to verify my ID. My account was then verified. Even after this process buys and deposits have been 'Disabled ' since the creation of my account. I went through the proper channels to fix these but was told that specialists would look at my case. I reported the problem a day or so after creating the account but haven't herd back. This happened to me before with a previous account that I ended up just closing after not getting a response for weeks. The date of this complaint is XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX i disputed incorrect information with XXXX and XXXX to alert them that they are reporting incorrect information. I have received updated credit reports that do not match across these bureaus. The date of status also has not changed proving that there was no investigation done. One in particular is an account that is reporting an incorrect first delinquency date. On XXXX its dated XXXX but on XXXX its dated XXXX. Resulting in a longer period for this to remain on my credit report. I have also reached out to the collection company by certified mail to change the address they have so that The bureaus can delete the incorrect addresses they have on file. XXXX will not delete these incorrect addresses and as a result I am afraid someone at one of the old addresses may be receiving my credit offers putting me at risk for identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Account : Affirm INC # XXXX Date open XX/XX/XXXX Amount {$1300.00} Account : Affirm INC # XXXX Date open XX/XX/XXXX Amount {$4400.00} Account : Affrim INC # XXXX Date open XX/XX/XXXX Amount {$6100.00} THE ABOVE ACCOUNTS ARE NOT MINE. I HAVE DISPUTED ACCOUNTS WITH EXPERIAN AS WELL AS AFFIRM INC AS NOT MY ACCOUNTS SEVERAL TIMES IN WRITING. ACCOUNTS STILL REMAIN ON MY CREDIT REPORT. 
I specifically, deny that these alleged accounts/debts and/or accounts stated/implied and/or obligation is certainly NOT mine, if this alleged account/debt and/or account stated/implied is certainly NOT mine, I deny that these account/debt and/or account stated/implied and/or obligated to is NOT authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan-level documentation under the FDCPA 1692g ( a, b ). I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with AFFIRM INC or any of its Affiliates nor have I ever engaged in any business with AFFRIM INC in the past and this trespass against me is a result of identity theft. I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation of my good name, and has caused me injury for which I will seek redress, compensation, and settlement. I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. I intend on seeking remedy for damages, equitable relief, and just compensation for any and all violations of my consumer rights and any other rights not mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( Bankruptcy Chapter XXXX, TN XXXX, and XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
SUNTRUST BANK .... 
In XXXX ; Home paid/ newly widowed when bank repeatedly pressures me to take out a personal loan..ok for XXXX. ( for grandchildrens tuition ) Smooth talkers. Days later found it was MORTGAGE.!! Suntrust said Oh well when confronted. Contacted Corporate..same message!! 
I paid regularly.. Fall of XXXX Suntrust began pressuring me to increase equity loan.a bit ... would lower payments. Ok In XXXX COVID hit..mail sent payment was late.I.ran to pay it..huge fees followed. 
Suntrust changed mortgage ..without notifying me.in Fall if XXXX Statements stopped coming..I reached out repeatedly to no avail. .I continued reg. Payments & begin hearing payments are much higher now but conflicting amounts given ... finally get an amount,, pay it & not enough..late fees abound & my credit is affected. Suntrust now calls to help me..by talking me into selling my home & paying them off!! I said NO. Now mini-strokes abound! Fees going up & payments I made were funneled toward principle..to me, that alone is fraud ... .unbelievable!! 
This week, Theyre threatening to change mortgage again! HELP!! How can banks be allowed to ruin good peoples lives.. & targeting those whove worked all their lives & trapped by the high powered marketing & deceptive practices??!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I been disputing an account that is wrong and have inaccurate information. 
and Transunion is ignoring my request of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: TX

Complaint narrative:
On XX/XX/XXXX i disputed incorrect information with XXXX and Equifax to alert them that they are reporting incorrect information. I have received updated credit reports that do not match across these bureaus. The date of status also has not changed proving that there was no investigation done. One in particular is an account that is reporting an incorrect first delinquency date. On equifax its dated XXXX but on XXXX its dated XXXX. Resulting in a longer period for this to remain on my credit report. I have also reached out to the collection company by certified mail to change the address they have so that The bureaus can delete the incorrect addresses they have on file. XXXX will not delete these incorrect addresses and as a result I am afraid someone at one of the old addresses may be receiving my credit offers putting me at risk for identity theft.

Company response to consumer: Closed with explanation