vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, I would like to complain about paypal again. how is it fair to just take my funds without even notifying me. They withhold my money for months and they just took it without any second thought. My email account is XXXX. is it possible for me to have my funds back. this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reasons and will not help me with getting it back up and going i am not sure if this is some mistakes as i assumed it has to be. I have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used PayPal quite frequently. My email Linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: NY

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
On XX/XX/2021 I made a purchase for pick up at XXXX XXXX. They did not have this item in stock so I made another purchase online to ship to my place of residence on XX/XX/2031. I was told my original purchase would be refunded in 2 business days. On the XXXX of XXXX it came to my attention that the original purchase was never cancelled and they had took it upon themselves to have the item sent to store. I had to cancel this myself since my order from the XXXX of XXXX had been delivered. I waited for my refund to return but it never did. I submitted a dispute with my bank, XXXX XXXX via robinhood, and was told it would be taken care of. We are now at two months and I have yet to recieve my money back and just keep being told that it will get resolved. It has not and I'm tired of waiting for my money. XXXX XXXX via Robinhood and XXXX are the worst. The people who work there do not care, I've already talked to XXXX XXXX case management and they say on their end the refund was processed and was successfully sent back to me that I needed to contact my bank. My bank is XXXX and they are sitting on this they are unlawfully holding my money it sounds like to me and that is not right. The last communication I have from them is XX/XX/XXXX, in which they asked me AGAIN for information I already gave them and clarified. I have provided all email proofs that show my money was never returned to me and still they will not give me my money back. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: IL

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: IL

Complaint narrative:
They contacted me and identified the debt amounting to {$380.00} and I never received information to verify and validate the debt.

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 2021-05-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}, {$0.00}, {$200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
They contacted me and identified the debt amounting to {$470.00} and I never received information to verify and validate the debt.

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 2021-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I used Zelle and was scammed out of {$1900.00}. Zelle said they could not do anything about it. The purchase I was making was making was for a XXXX. It was a scam and they would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: CA

Complaint narrative:
On XX/XX/XXXX I purchased {$9000.00} worth of Bitcoin ( BTC ) through the Coinbase.com cryptocurrency exchange. The transaction went through and the cryptocurrency ( BTC ) is now held in an online wallet on the Coinbase.com site. 

I received an email from them dated XX/XX/XXXX ( attached ) that I could transfer my Bitcoin off of the Coinbase.com site starting on XX/XX/XXXX. It is very important to transfer any crypto asset off of the net and into a " cold wallet '' - a hardware wallet that can not be accessed unless it is plugged into a computer. Coinbase 's CEO brought up this particular point to the SEC when filing for an IPO. 

On XX/XX/XXXX I tried to " Send '' my asset to my cold wallet and the Coinbase.com site wouldn't let me. I contacted them through their support channel, followed all of their procedures correctly as outlined in their Terms of Service, and was told in an email from them dated XX/XX/XXXX that "... that you're no longer eligible to use the Coinbase platform. This includes purchasing cryptocurrency, depositing into Coinbase, sending cryptocurrency off of Coinbase, and linking new payment methods. '' ( attached ) I have never received an explanation for this action on their part. 

So, they have effectively stolen my asset. I can't access it in any possible way. 

I have contacted them numerous times about this stating that I would gladly forego the use of their platforms soon as I can have my property. In their Terms of Service, Section 2.6.2 Control, specifically states - " You control the Digital Currencies held in your Digital Currency Wallet. At any time,... you may withdraw your Digital Currency by sending it to a different blockchain address. '' A cold wallet is a " different blockchain address. '' I have copies of all of the correspondence between myself and Coinbase regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
They contacted me and identified the debt amounting to {$830.00} and I never received information to verify and validate the debt.

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 2021-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
They contacted me and identified the debt amounting to {$1100.00} and I never received information to verify and validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: NC

Complaint narrative:
As a result of my most recent complaint about unfair credit reporting, both XXXX and Equifax have since dropped authorized credit lines with XXXX XXXX, XXXX XXXX and XXXX XXXX all compromising of XXXX in total credit limits, thus dropping my score further. My original complaint was specific in requesting no adverse actions be taken against me as a result of my complaint to the CFPB. However, I have been further impacted as a result of this complaint. If FCRA is protecting us from unfair credit reporting with creditors. Who is protecting us from the bureaus? 

On XX/XX/XXXX, following this complaint, I attempted to login to my equifax account to find that it no longer existed. It had been deleted. I had to re-enroll and to reinstate my subscription. Upon doing so, I came to find my tradelines were deleted. 

Additionally, they updated unpaid collections balances on XX/XX/21 causing further impact to my score. I will file this complaint with every governing agency up to and including the Supreme Court until they stop impacting me as a result of these complaints. 

Any blocks they have placed on these and and existing reporting creditors are to be removed immediately. 

I want all three accounts reinstated as actively reporting with the tradeline, credit limit, balance, high balance and payment history all fully reported and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
They contacted me and identified the debt amounting to {$240.00} and I never received information to verify and validate the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I called in a payment of {$600.00} and gave my debit card information for my comenity credit card, the rep stated the payment went through I explained to the representative I keep my card locked for security reason and asked if the payment would be processed right then and there and the representative stated yes. However the put the payment through the next day when my debit card was disable. So I called back on the XXXX on site realized the payment wasnt processed and make a other payment on XX/XX/XXXX and the same thing happened again where the payment was processed on the XXXX from my debit card and the waited till the XXXX to put the payment through on their end while my card was disabled. On the XXXX after realizing they did not take the money off my debit card I went online and signed in to my XXXX credit card and had them debit my XXXXXXXX XXXX checking account where the payment was satisfactory. On XX/XX/XXXX Comenity. A man closed my a. Oh thank stating I was a high risk. I have never been late with a credit card payment with XXXX since having this account close to two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As a result of my most recent complaint about unfair credit reporting, both Experian and XXXX have since dropped authorized credit lines with XXXX XXXX, XXXX XXXX and XXXX XXXX all compromising of XXXX in total credit limits, thus dropping my score further. My original complaint was specific in requesting no adverse actions be taken against me as a result of my complaint to the CFPB. However, I have been further impacted as a result of this complaint. If FCRA is protecting us from unfair credit reporting with creditors. Who is protecting us from the bureaus? 

On XX/XX/XXXX, following this complaint, I attempted to login to my equifax account to find that it no longer existed. It had been deleted. I had to re-enroll and to reinstate my subscription. Upon doing so, I came to find my tradelines were deleted. 

Additionally, they updated unpaid collections balances on XX/XX/21 causing further impact to my score. I will file this complaint with every governing agency up to and including the Supreme Court until they stop impacting me as a result of these complaints. 

Any blocks they have placed on these and and existing reporting creditors are to be removed immediately. 

I want all three accounts reinstated as actively reporting with the tradeline, credit limit, balance, high balance and payment history all fully reported and accurately.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
They contacted me and identified the debt amounting to {$1700.00} and I never received information to verify and validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
They contacted me and identified the debt amounting to {$140.00} and I never received information to verify and validate the debt.

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 2021-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: VA

Complaint narrative:
They contacted me and identified the debt amounting to {$120.00} and I never received information to verify and validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
every year sinse 2014 i have paid my taxes in XXXX rather than XXXX as that is easier for me .also paying the appropriate penalty charges .no one ever told me that was aproblem till this year when rather than call me and inform me of the problem and give me the oppertunity to fix it, quicken loans forced me into an escro account that i dont want and can not afford. i called and pleaded with them to let me pay them for the taxes and put things back like they were before this misunderstanding ... there response was not no but XXXX no absolutely no exception and their decision is causing me financial strain and hardship in Theese Troubled Times Please help me dissolve this unwanted and unneeded escro account thank you sincerely XXXX XXXX

Company response to consumer: Closed with explanation