vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 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:
On XX/XX/2021, we received payments from a XXXX client for a video production project. Then Paypal immediately red-flagged our account and asked us to provide more information regarding the transaction, which we did. Then the second day we checked our account and it showed our account has been permanently banned, and the funds we have in the account will be held for 180 days, 180 days!!!!!!! We called customer service and received an answer " the decision is final and we can not tell you why we are permanently banning your account ''. They told us the fund will be held for 180 days and asked us to be patient. The thing is our company did nothing wrong and we tried to ask our XXXX client to step in to see if both parties can verify the transaction and lift the ban and release the fund, but they say the decision is final. Our company is missing the funds to continue the video production project and we are going to face a penalty fee if we can not deliver the project and potentially filing bankcrupcy. Again, our company did nothing wrong but Paypal is trying to XXXX our company over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 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:
I have disputed several items on my Equifax credit report and they continue to state that the items on my credit report have been verified, yet, have failed to provide me with physical verification of such as it is required by the FCRA Section 609 ( a ) ( 1 ) ( A ). 

Dispute dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 These are the items that appear on my credit report. 
XXXX XXXX XXXX - No Account # provided- {$60.00} XXXX XXXX XXXX - No Account # provided- {$60.00} XXXX XXXX XXXXS - No Account # provided- {$360.00} XXXX XXXX XXXX XXXX - No Account # provided- {$150.00} XXXX XXXX XXXX, XXXX - No Account # provided- {$60.00} XXXX XXXX XXXX XXXX - No Account # provided- {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Freedom Mortgage company has engaged in fraudulent activity in relation to my existing home mortgage, sent documents that could not be completed for a mortgage refinance and repeatedly did not respond to my inquiries. I am a XXXX and XXXX of a XXXX XXXX XXXX, have a 750+ credit score and have never missed a mortgage payment before the cancelled an autopay I had on file without notice and sent notice to an address not on file. I believe that they are discriminating against me on the basis of my gender, martial status, and ethnicity. Can share timeline and share emails to corroborate their systematic harassment, errors, unresponsiveness, and discriminatory 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 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have an available balance in my checking account of apprx {$3400.00} .The account is blocked and I am unable to use it. I want the account closed and a check sent for my balance

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 2021-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Nicholas Financial Inc.
State: FL

Complaint narrative:
I started a loan on XXXX for {$14000.00} for a Term of 66 months., with Nicholas Financial, Inc . I have been paid $ 392.oo monthly since then until Today 's date. I am current on payments. I just got behind on payments up to 120 days on XXXX  because I was unemployed. But as soon as I got a new job, I paid all the fees imposed by the Company to avoid loss the auto as I was treated it for and the condition was to put the account current at that moment. Since then, any payment I have missed. 
But is unbelievable and unacceptable that even that the XXXX XXXX XXXX still have and report is almost the same when I started ... and is not getting down : {$10.00}, XXXX. More than half of the payment goes to Interest, which is something several times I have complain about ; but not one fix or adjust it, care or respond me as should do. I have been charge several times by expense insurance premiums, without notified me previously and even the Ins. company reported for me that I have coverage. That supposed is one of the additional charges, Company said I have, plus a lot of fees that are not right. I have never received any formal statement with the complete history of payments as per I requested several times. Actually, I have nor received bills since more than 2 yrs, when I asked them for... But according to an email received, from department on head quarters, where I complain through an email, the answer of all my complains is : " that is what it is '' and nothing else to change. So, because I have not had time I have to continue paying and paying, first to don't affect my credit and second because I need the car. I tried to change the car to get out from that loan but the outside down is too high. Car has lost its value, and I still have a big loan balance after 68 months paying. I am unemployed again now and I just thinking in bankruptcy just for it. Co., report to credit bureaus that I have paid just 28 payments. That really disgusting me, I am very stressed about it ... for long time I don't know what to do ... Its not fair what that Co.is doing. I have paid more that {$26.00} K. Please help me!! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Decemebr XXXX I was contacted XXXX XXXX XXXX XXXX stating that I owed {$1600.00} for a Wells Fargo Bank account that i had XXXX years ago trying to collect a debt. stated that i was being sued and was going to jail. They sent me a letter stating if I made a payment the billing descriptor would appear as XXXX XXXX XXXX XXXX. I researched this company and found out that they were scamming people.They told me this account was on my credit report and I know its not because i just brought a home. They were trying to scam me and this company should be shut down

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 2021-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NE

Complaint narrative:
On, or about, XXXX XXXX my Coinbase account had a withdrawal made by an unknown source. I filed a complaint with the FBI 's XXXX department. I then sent the information to Coinbase. I also made several attempts to use the support telephone system listed by Coinbase. The audio and visual responses indicated that audio contact was not available for my level of account. 

I tried contacting one of the corporate offices using social media. That ended with no replies. 

Eventually, my balance in the account was taken by Coinbase as payment for the transactions completed by the outside source. 

In XXXX months of attempting to make contact I have had no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my 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 2021-12-09 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: IL

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My issue is with the overall lack information provided to me by my student loan servicer back in XXXX, when the Public Service Loan Forgiveness ( PSLF ) was created. At that time, I believe it was Navient. However, it changed several times so I'd have to do more research. Reason I discuss lack of information is that many times I spoke to my loan servicer ( s ), not one time was it mentioned to me about the PSLF program, and what was needed to qualify. Rather, because I had just started to work for a qualifying job ( Government employee ), my income was low so I discussed options with the loan servicer. Their recommendation, every single time, was to place my loan in deferment until my income increased to afford the payment. I wasn't even provided the option to discuss Income Based Repayment ( IBR ) plan to at least see if I can have a more manageable payment. Thus, for well over 5 plus years, my student loans stayed in deferrment under advisement from my loan servicers. The end result, up to now, was my loan doubled due to capitalized interest ( went from appx. $ XXXX to $ XXXX ) when I finally received information from XXXX about the PLSF and IBR and commenced making payments. Up to now, I've made XXXX qualifying payments. But, if I would have been informed of this long ago, I would've qualified for a more affordable payment under XXXX, commenced making payments to go towards the PSLF required XXXX payments, and avoided a substantial portion of my loan from capitalizing interest to principal. Now that it's been close to XXXX  years since I commenced having to pay my student loan, my payments are much higher, even under the IBR, due to my income increasing over the year. However, although my income is higher, the larger payments are still a substantial burden. Again, had I been informed of these options back in XXXX, I would have been better informed, wisely, to make payments. Now, with no forbearance ending in XX/XX/XXXX, payments commencing XX/XX/XXXX, I will have a higher payment. What are my options, if any, as I will be in debt until XXXX to forgive my loan under the PLSF. That would be XXXX  years after I graduated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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:
XXXX and XXXX XXXX DEROGATORY ON CONSUMER CREDIT OF XXXX XXXX, 15 u.s.c. 1681a and 15 USC 1681 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CONSUMER REPORT 15 u.s.c. 1681a and 15 USC 1681 VIOLATIONS, DELETIONS TO CONSUMER REPORT Reporting Utilization is illegal ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice 15 USC 1692 K and 1640 Civil liability. Delete from consumer report immediately.

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 2021-12-09 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:
15 u.s.c. 1681a and 15 USC 1681 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CONSUMER CREDIT REPORT 15 u.s.c. 1681a and 15 USC 1681 VIOLATIONS, DELETIONS TO CONSUMER CREDIT REPORT Reporting Utilization is illegal. XXXX account # XXXX  open date XXXX ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice XXXX XXXX XXXX XXXX and XXXX Civil liability Delete from credit report immediately.

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 2021-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
I was approved for an Apple Credit Card XXXX  months ago ( XXXX of 2021 ). I have not been able to make one purchase on the credit card as of today, and we are in XXXX. I have contacted Goldman Sachs ( who runs the credit card service and support for my Apple Card ). I have called approximately 6-7 different times to try and resolve the problem. On every occasion, they have not been able to fix the problem because they have some sort of security or IT issue on my account. I have had the majority of customer service reps tell me that there is no timeline on when they will be able to fix the problem, but that I will receive emails on status of the ticket. I have not received a single email on status update. I have been promised by one manager that this issue was escalated to " high priority '' and that the issue would be fixed within the next week - this never happened, and I never got a callback or an email. I have worked through different tactics with customer service reps on the phone to try and fix the problem using Apple Pay app, attempting transactions, changing the card number, etc .... none of it has solved the problem. There is no urgency to fix the problem it seems like, no matter who I have spoken with. All of the calls have been recorded, and the company has documented notes on my issue when I have called for assistance. Despite working with different customer service reps to attempt to resolve the issue, I continue to be told I will have to wait for a team to solve the issue and send me an email... nearly XXXX months after I first activated the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: MA

Complaint narrative:
On or about XXXX XXXX XXXX XXXX, XXXX. sent a payoff check for a partial claim mortgage payable to HUD but delivered to Novad Management Consulting in XXXX XXXXXXXX. As of XXXX this check has not been cashed and the mortgage has not been discharged. 
On XXXX, I, XXXX XXXX spent 3 and 1/2 hours on hold with Novad to speak to a person named XXXX and all she could do for me was submit a escalation to management to see what happened with the package. I was told I would get a call back and as of XXXX no call back. 
On XXXX, I emailed the XXXX to submit a request on what happened to this payoff and no reply as of XXXX. 
This in an urgent matter and Novad is not getting back to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
On this date XX/XX/2019 company opened a collection. 
Account # XXXX {$2700.00} That I owe I have never signed any written documents saying I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX

Company response to consumer: Closed with explanation