vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby girl. I as that you please remove all these false misleading inquiries from my credit report so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX CARDS XXXX  XX/XX/XXXX 6.KEY XXXX  XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: DISCOVER BANK
State: OH

Complaint narrative:
When I reviewed my credit report I noticed that there are inaccuracy on the late payments, on the month of XXXX XXXX  and XXXX  has no data provided but XXXX has it 30 days late payments which is clearly inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 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: U.S. BANCORP
State: OH

Complaint narrative:
When I reviewed my credit report I noticed that there are inaccuracy on the late payments, on the month of XXXX XXXX and XXXX  has no data provided but XXXX  has it 30 days late payments which is clearly inaccurate.

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 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I refinanced my loan with SPS Service, Select Portfolio Servicing , Inc. thru another Company as their rate is really high. We closed our Escrow back in XX/XX/XXXX. 
I called the Customer Service, back in XX/XX/XXXX, prior to Escrow closing, I told them there was an overpayment on the account. They told me that, my account will be send to their audit department. The statement balance as of, XX/XX/XXXX, was {$240000.00}. My checking account was debited XXXX times for the total amount of {$6300.00} ( please see attached copy of my bank statements ) after XX/XX/XXXX. When we closed the escrow in XX/XX/XXXX, the Escrow sent SPS Servicing , Inc, {$240000.00}. 

On XX/XX/XXXX, I received a check in the sum of {$1100.00}. I was really upset as every time I called their office, I can not talk to any supervisors. I sent my first letter on XX/XX/XXXX thru Fax and email. There was no response. I sent another letter on XX/XX/XXXX, requesting a detailed summary of my account and I requested them to return the overpayment on my account but to no avail. At this point, I am really disappointed, I do not have a job and trying to collect unemployment. 

Please help! They are making my life miserable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: WA

Complaint narrative:
I paid this card ( XXXX XXXX  ) and requested it be closed XX/XX/XXXX. This information shows on my credit report dated XX/XX/XXXX. After the card was paid, instead of closing the account as requested, XXXX Bank charged a XXXX dollar annual fee out of nowhere ( when the account should have been closed ), and charged late fees up to a total of XXXX dollars and then sold to a debt collector. This is outrageous.

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 2021-03-25 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: Westlake Services, LLC
State: TN

Complaint narrative:
When I reviewed my credit report I noticed that there are some inaccuracy on it, specially on the Month of XXXX that XXXX  has 30 days late payments but XXXX and XXXX has no data provided.

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 2021-03-25 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:
Hello, PayPal has closed our business account, With a factually proven invalid and completely unfair reason. 

We have been using PayPal for our XXXX XXXX since XXXX, as of XXXX XX/XX/XXXX they closed our XXXX accounts. 

This resulted in a huge loss of revenue and the damages are adding up each day. 

We have been reaching out to PayPal every day since XXXX XXXX and have yet to receive an update on our case. 

XXXX XXXX XXXX ( XXXX ) has been ignoring all incoming emails and hasn't given any reply yet. 

Also the XXXX has been contacted. 


There is sufficient data that the claims that PayPal makes are completely invalid, But they are not looked at. There is 3 years worth of transaction data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I honestly feel I am being discriminated against to getting any type of loan. How am I to build my credit score ( as they say they would with individuals with less than perfect credit ) when I can not be approved? I feel as my name and me being a minority I am constantly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I made a deposit of XXXX AUD to Gemini Trust company on XXXX XXXX. 

On XXXX XXXX, I received an email from them stating they received the funds and the deposit was failed as the funds were sent from a business account. In the email, Gemini stated the funds are going to be returned. 


After XXXX MONTH of waiting, the funds are still holding by Gemini and are NOT returned back to me. During the past month, I have emailed them more than XXXX times and only early XXXX emails were replied to.

Gemini is currently holding my funds without responding to my emails. I wish you can help me to get my funds back from Gemini Trust company.

Please find an email attached as proof of receipt of my funds by Gemini.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
As I viewed my credit report and noticed an account that i have never applied for nor had communication with.

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 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby XXXX. I as that you please remove all these false misleading inquiries from my credit report so I can began to repair my creedit and eventually get my XXXX  a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose.

15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XX/XX/XXXX 2.ONEMAIN XX/XX/XXXX 3.ONEMAIN XX/XX/XXXX 4.XXXX XXXX  XXXX XX/XX/XXXX 5.XXXX  XXXX XXXX XXXXXX/XX/XXXX 6.XXXX  XXXX  XX/XX/XXXX 7.XXXX  XX/XX/XXXX 8.XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have fallen victim of identity theft due to the 2017 Equifax breach that took place. I would like my credit report to be restored.

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 2021-03-25 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: Diversified Adjustment Service, Inc.
State: TN

Complaint narrative:
As I viewed my credit report and noticed an account that i have never applied for nor had communication with.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Mar Joe Enterprises
State: TN

Complaint narrative:
As I viewed my credit report and noticed an account that i have never applied for nor had communication with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lost my house in the XXXX XXXX. Bank of America is holding over $ XXXX that I need to rebuild my house in an account. My property is worth well over {$3.00} XXXX. I have contacted Bank of America over a dozen times asking them to release the funds. The have sent out an inspector XXXX times to verify that the house is being built. They refuse to release any money except a small amount that was being held over the mortgage loan balance. My house is now XXXX finished and I need the balance they are holding to finish the house. We were underinsured and we have used the balance that the insurance company gave us all ready. Bank of America is acting in bad faith. At this point they should have released at least {$300.00} XXXX They refuse to release anything. The are too big and powerful. I can not afford to spend the money to hire an attorney. I can not fight this bank on my own. I would greatly appreciate your help in this matter.

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 2021-03-25 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 reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks. but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently as a XXXX. My email linked to my PayPal is " XXXX ".

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMA Credit Association
State: TX

Complaint narrative:
RMA CREDIT is claiming that I owe them {$120.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be. u have not been able to get help from them for weeks. 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 is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I requested validation from Transworld System Inc concerning and account on my credit report and they have failed to send me all the documentation I requested. I have uploaded the letter that I sent to Transworld System Inc. pertaining to this matter. I am a victim of identity theft and have been for some years. This account does not belong to me. I take pride in my credit and as a consumer this is utterly ridiculous that consumers end up being victims of identity theft. The burden is not on the consumer to prove its not theirs. Its on the collection agency that state they purchased the collection account. I requested numerous things for this collection agency to send me and they have not done so. If this is not rectified immediately I will be forced to seek legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/2021 my cash app cash card was charged {$100.00} at a XXXX  store in XXXX, Ma. Oddly enough cash app failed to notify me of this charge and only this charge. I always receive and email within minutes of my card being used. Im not sure how XXXX  authorized this charge because my husband has the card in his possession in Montana. There is no way anyone in Ma could have my physical card yet it was used for an in store purchase. XXXX has said they can not assist me. Cash app states I need to wait to see if they can assist me and cant explain why I wasnt notified of the charge immediately as I always am for charges. None of this makes any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 reason and will not help me getting it back up and going. 
I want to mention that, I know the PayPal User Agreement and I have not violated any policy or law. 
I am not sure if this is some mistake XXXX I asume 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 effecting me a great deal as I used PayPal quite frequently. 
My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Exeter Finance, LLC.
State: KY

Complaint narrative:
as I checked my credit report, I noticed some of inaccuracy with the late payments and this is completely an FCDA false reporting Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
PHNX FINAN is claiming that I owe them {$150.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
XX/XX/XXXX I requested XXXX bank remove my PMI because upon request I received a letter from Chemical Bank telling me I can request it be canceled when I reach 80 % of the original ltv. XXXX told me I was at 81.6 %, the principal reduction amount Id need to be at 80 %, and that I would need to submit another form. In XXXX I made sure I was at 80 % before I submitted the form. 

Two calls and one month later I am being told I need to pay {$150.00} for an internal and external BPO to cancel the PMI because of the type of Fannie Mae loan I have. I was not even aware that my loan was with XXXX, and XXXX who is the servicer never disclosed this requirement to me. Neither did XXXX the original lender who was acquired by chemical bank and then XXXX. I am looking to sell and have a comparative market analysis statement from a realtor showing how the value of my property has increased as most properties in this market have. If I was told I would have to pay {$150.00} at 80 % ltv, I could have paid {$350.00} a couple years ago and got an appraisal showing the value went up and that I was at 80 % of the increased value. Additionally, Im now at 78 % of the original ltv and was told they will not cancel the pmi until XX/XX/XXXX. 

I feel I am being discriminated against and these predatory lending practices should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 codes my account for no reason and will not help me getting it back I am sure this is some mistake as I assume it has to b I have not been able to get help from them for months and its affecting me a great deal My email linked to PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I returned an item to XXXX. I have a receipt that shows the item was returned and I was give a credit for the return. The credit card company states I did not return the item and continues to charge me for monthly payments. I have called the bank and XXXX and have had no success in resolving the issue.

Company response to consumer: Closed with explanation