vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
My full name matching my id XXXX XXXX XXXX, Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX  enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I was in forbearance, on XX/XX/21 HUD/FHA introduced the Advanced Loan Modification. I contacted my loan originator on XX/XX/21 to discuss options since I was eligible from HUD/FHA disclosure on their website of current standings dates in forbearance. The individual that I spoke to did know have any information on the new XXXX and said he would flag my account for review for when my forbearance was expiring. I never received any information from my loan company. I contacted them several times a week asking for an update just to get the same we don't know about it yet. Finally i reached someone in XXXX that said my account was in review that papers would be out and i would need a notary available to sign the paper work and get it back. Paper work shows up, it is a standard loan modification. I contacted the servicer asked what do i do with this papers. They said I had another set in underwriting to disregard this current set. Something just didn't feel right with the phone call so I called and spoke to a supervisor two days prior to these documents from being no good and he told me to get them signed & notarized and back to them before the XXXX mind you this is the XXXX. He said I had another set of papers for the XXXX that he was going to escalate. Contacted company again XXXX spoke with XXXX a manager, she said that I had no papers that were being reviewed for the XXXX. That what I sent in is essentially done. If i was denied the XXXX i would like to know why. If i was not considered the XXXX even though I made every check mark per HUD/FHA guidelines , I want a written explanation. I have all phone calls from XXXX to XXXX recorded with this loan servicing company.

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 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
LL Bean Mastercard under Citibank mailed me a promotion if I use my LL Bean Mastercard and pay with it for a utility gas electric cable etc I would earn {$25.00} rewards which they call bean buck XXXX bonus. After 3 months I haven't received one reward. Just get the run around 2 to 3 billing cycles system isn't reckoning cable as utility. Looking to get my bonus rewards as advertised.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was checking my credit report and I saw that my score is low. I have no idea why you put this information on my account. I believe someone used my personal information and applied for this.

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 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, I requested XXXX to send {$100.00} to my friend using Capital One credit card. Capital One charged {$10.00} cash advance fee for the transaction. 

On XX/XX/2021, I paid off the credit balance for the total amount of {$190.00} ( {$110.00} + other purchases using Capital One card ) because I did not like to way Capital One dictates credit card users on how to use their cards. I was going to close the account. 

On XX/XX/2021, I received an email from XXXX saying that Capital One never funded the transaction. There was no money transferred between Capital One credit card and XXXX ( but Capital One charged me {$110.00} anyway ). 

On XX/XX/XXXX, I wrote to Capital One to ask for a refund of {$110.00} that I over paid them. 

On XX/XX/XXXX, I received a letter from Capital One saying that they can not process the refund because I don't have a credit balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For about 36 months, there was an incorrect reporting of a XXXX XXXX account of mine on my credit report. I had consistently attempted to have this information corrected. Each time I filed a complaint, the credit reporting agencies appeared to have sided with XXXX XXXX. After I filed a complaint against XXXX XXXX through the CFPB, the response received from XXXX XXXX response seems to to blame the credit reporting agencies for the incorrect reporting of my XXXX XXXX account. This inaccurate reporting of my XXXX XXXX account caused great harm to my credit score. This is part of the the statement from XXXX XXXX in their response to me on or about XX/XX/XXXX before their credit collector sued me in court and as such, caused me even more financial harm : " We have received multiple electronic disputes from you through the e-OSCAR electronic dispute portal. e-OSCAR is a web-based system that allows credit reporting agencies to respond to disputes. Data furnishers help the credit reporting agencies respond to disputes that are submitted through e-OSCAR. As a data furnisher, XXXX provided responses to each of your disputes directly to the credit reporting agencies through e-OSCAR. Upon receipt of your complaint, we completed another review of the account information displayed in your credit file for account XXXX found that updates are still required at Equifax, where the high credit/original amount and the charge-off amount are missing, and the payment history still does not match our system of record. At XXXX, this account is reflecting an incorrect closed date, which should be XX/XX/XXXX, the date of sale. At XXXX, the payment history still shows no data for XXXX & XXXX XXXX, we have requested that Equifax, XXXX and XXXX make those updates. As a courtesy, XXXX will remove the information on account XXXX. Please allow 30-45 days for the updates and the removal of account XXXX to reflect in reporting ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: GA

Complaint narrative:
For about 36 months, there was an incorrect reporting of a XXXX XXXX account of mine on my credit report. I had consistently attempted to have this information corrected. Each time I filed a complaint, the credit reporting agencies appeared to have sided with XXXX XXXX. After I filed a complaint against XXXX XXXX through the CFPB, the response received from XXXX XXXX response seems to to blame the credit reporting agencies for the incorrect reporting of my XXXX XXXX account. This inaccurate reporting of my XXXX XXXX account caused great harm to my credit score. This is part of the the statement from XXXX XXXX in their response to me on or about XX/XX/XXXX before their credit collector sued me in court and as such, caused me even more financial harm : " We have received multiple electronic disputes from you through the e-OSCAR electronic dispute portal. e-OSCAR is a web-based system that allows credit reporting agencies to respond to disputes. Data furnishers help the credit reporting agencies respond to disputes that are submitted through e-OSCAR. As a data furnisher, XXXX provided responses to each of your disputes directly to the credit reporting agencies through e-OSCAR. Upon receipt of your complaint, we completed another review of the account information displayed in your credit file for account XXXX found that updates are still required at XXXX, where the high credit/original amount and the charge-off amount are missing, and the payment history still does not match our system of record. At XXXX, this account is reflecting an incorrect closed date, which should be XX/XX/XXXX, the date of sale. At Experian, the payment history still shows no data for XXXX & XXXX XXXX.Therefore, we have requested that XXXX, XXXX and Experian make those updates. As a courtesy, XXXX will remove the information on account XXXX. Please allow 30-45 days for the updates and the removal of account XXXX to reflect in reporting ''.

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 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I was receiving satellite internet services from XXXX up until XX/XX/2020. At that point I cancelled service by calling the company. XXXX continued to try to debit my bank account each month for services provided after that, requiring me to dispute each charge with my bank. Earlier this year I called XXXX again about the erroneous charges. They apologized, and said they hadn't received notice of my cancellation via their internal channels ( even though I had returned their equipment ). Yesterday I received a letter from Southwest Credit Systems, saying my XXXX account ( # XXXX ) had been turned over to collection for {$1500.00} owed. The Southwest reference number is XXXX. I dispute the XXXX charges for services never received, and for attempting to raid my bank account with automatic payment debits every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX I sent a certified letter to Transunion, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, To dispute all negative information off my credit report I also sent items verifying my identity I also sent items such as a police report theft affidavit etc to Dispute and Remove all inquiries Negative item etc Neither company have provided me any proof of how the information was verified by law they have violated my consumer rights under the FDCPA there was no reasonable investigation Im in the process of suing the credit agencies and Creditors especially me being a victim of identity theft none of these companies are investigating they have indeed violated my rights and now Im sueing

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 2021-10-05 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 — Problem with personal statement of dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XXXX XXXX I sent a certified letter to XXXX, XXXX, XXXX XXXX, National credit adjusters, XXXX  XXXX, XXXX  XXXX, To dispute all negative information off my credit report I also sent items verifying my identity I also sent items such as a police report theft affidavit etc to Dispute and Remove all inquiries Negative item etc Neither company have provided me any proof of how the information was verified by law they have violated my consumer rights under the FDCPA there was no reasonable investigation Im in the process of suing the credit agencies and Creditors especially me being a victim of identity theft none of these companies are investigating they have indeed violated my rights and now Im sueing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: FL

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I sent a letter ( s ) re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Had a heloc with Bank of America for several years ( XX/XX/XXXX - XX/XX/XXXX ) then I got it modified. While making the principal and interest payments the first two years everything was fine. Then in XX/XX/XXXX I started making extra principal only payments of {$300.00} and my regular payment of {$300.00}. I saw that they misappropriated the {$300.00} so I called them. After calling them they made corrections. Also another person said not to make extra payments on bill pay. So he walked me thru paying it using transfers and labeled it principal only. Again in XXXX - XXXX again my money was misappropriated. I called in a lady made corrections up to XXXX. She couldn't make corrections for XXXX - XXXX, where they made all interest payments. They said that because I satisfied the principal payment the rest was used to pay interest of {$360.00}. I've called them many times nothing happened. I opened to case reviews again nothing. XXXX XXXX at a BOA branch talked to them for about 2 hours again nothing. Therefore she filed a complaint. Still I have not heard anything. I called them 2-3 times after the complaint was written still nothing. So I went to another bank got a loan and paid BOA off in 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 2021-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
We paid off Chryler capital Acct XXXX on XXXX XXXX. XXXX also authorized the payment. Confirmation {$2500.00} but they are claiming they dont have the payment they also try to get more money out of our bank account {$2800.00}. Which was wrong amount. The bank stop payment on that amount. BUT they claim our money is no records and holding on to our Lien release for our XXXX XXXX XXXX.please help us to finalize our payoff. And to get our lien release

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
5 USC 1605 defines a Finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but, name of corporation, took cash. The finance charge is suppose to include insurance but these accounts made me purchase insurance separately. Also Account violated me under the FCRA 15 USC 1681. 
Consumer right to privacy.

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 2021-10-05 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: CA

Complaint narrative:
5 USC 1605 defines a Finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but, name of corporation, took cash. The finance charge is suppose to include insurance but these accounts made me purchase insurance separately. Also Account violated me under the FCRA 15 USC 1681. 
Consumer right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Last Friday XX/XX/21, I tried to purchase XXXX tickets for my wife and I, and I confess, we don't get out much with XXXX young boys! I was talking to a XXXX XXXX on the phone ( phone number XXXX ), and a request for {$400.00} came into my Chase XXXX account under the name and account of XXXX XXXX XXXX. One mouse click later, the {$400.00} left my account and went into the account of XXXX XXXX XXXX, immediately XXXX disconnected, and his phone number was " no longer in service ''. Both phone numbers and names I have affiliated with the XXXX account are either disconnected or unresponsive now. Based on talking with Chase staff most of the last weekend, it seems I am out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems repeatedly keeps adding and removing false debt from my personal credit. I have stated in numerous disputes and complaints that this debt doesn't belong to me and that they need to remove it. Instead they keep adding and removing the debt from my credit and not removing it permanently. They continue to violate the FCRA by not providing substantial evidence, like the original contract to support their claim. Please have this company to remove the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have written to both all three credit reporting bureaus ( XXXX, XXXX and Equifax ) about conflicting data on the same items, such as : XXXX XXXX shows last payment made as XX/XX/2018 on XXXX but Equifax shows last payment made on XX/XX/2018 ( and on a previous report as XX/XX/2018 ). 
XXXX XXXX  XXXX shows last payment made as XX/XX/2018 on XXXX but Equifax shows last payment made on XX/XX/2018. Also the phone number on XXXX shows as ( XXXX ) XXXX but on XXXX as ( XXXX ) XXXX.

Company response to consumer: Closed with explanation