vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I was a victim of a XXXX spoof situation. I received a phone call from my mothers phone number while she was out of town. There was screaming women in the background who knew my name along with a male saying " he would XXXX XXXX mothers XXXX XXXX  if I did not send money. '' I complied and sent {$1200.00} to @ XXXX during this XXXX call. Further disturbing details can be found in the police report and venmo_fraud report attached to this submission. After the call I immediately attempted to contact Venmo with no luck as they do not have a contact number listed. 

Since I could not reach Venmo I filed a dispute with the bank who agreed with my dispute and blocked the charge from Venmo. Once the bank approved of my dispute and blocked the charge Venmo " froze '' my account put a {$1200.00} on it hold threatening to send me to collections. During this time I received XXXX payments for miscellaneous things such as food, utilities, ect. adding up to {$1000.00}. Venmo took this money from my " frozen '' account and contributed it to the {$1200.00} hold from the XXXX situation. 

On XX/XX/XXXX I realized there was a chat in the Venmo app which was the only way you can start a dispute claim. I was able to start a dispute here. As you can see in the attached file " Venmo Dispute1 '' my dispute was automatically denied on XX/XX/XXXX without any request for information. In " Venmo Dispute2 '' you will see a chain of emails from XX/XX/XXXX through XX/XX/XXXX going back and forth with no help or insight whatsoever with Venmo. I don't believe they were actually reading my emails, just automatically responding with immediate denials. 

The denial response on XX/XX/XXXX even states " Unfortunately, based on the information you've provided, it sounds like the person you were transacting with did not fulfill their end of the transaction. For resolution, we recommend that you reach out to the recipient of the payment, as we are not able to provide reimbursement or mediation in this instance. '' What exactly does " It sounds like the person you were transacting with did not fulfill their end of the transaction '' mean? Were they supposed to pull the trigger? 

I also called the number listed on the collections emails, XXXX XXXX XXXX XXXX, on XX/XX/XXXX only to be hung up on after being transferred to their poor excuse of a customer service department. 

I believe the way Venmo has handled this situation is near criminal given the time wasted and fact that they automatically are holding {$1000.00} of mine. 

I look forward to hearing from you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
hey, i was using paypal to sell my product, my product was XXXX  templates, so after 2 months and half i got limited for reason i don't understand, from the message i got on the email on XX/XX/2021 says " You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited ", when i did search for templates as product i found it acceptable as digital products. 
even refunds was about 0.05 % .i did tried to contact them, but just the bot was responding back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was in arrears due to decreased income from the pandemic, and called to try to work out a way to get current. Fifth Third Bank was entirely unwilling to take anything than the full amount up front, and clearly thought they could get stimulus money first from me when I dont have any. They opened a whole program around this and prey on folks support checks.

After working two weeks to get the amount needed to fix the loan status, I called this morning to arrange payment. Ive also made regular payments even while in arrears of the due amount to try to get Fifth Third something.

They told me now that the amount they asked for two weeks ago isnt good enough, and the account has been charged off and I need to pay the full balance of the car.

I hear about other banks working with folks to lower payments, or add them to the end of the loan, and so on - Fifth Third wont even try to work with me to get an account current on the same impossible terms they gave me two weeks ago! The goalpost is always moving and they do nothing except demand more with each call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
All three bureaus continue to report information on my credit reports that are not suppose to be reported. By law they are not allowed to report information that comes from a third party it must come from the company that filed the information or it must come from the company that owns the said debt. I sent all three bureaus the attached letter where the state of Colorado said that they do not report this information to the credit bureaus and the credit bureaus obtain this on their own. That makes this against the FCRA and the FDCPA I want this bankruptcy removed from my credit profile 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 2021-02-05 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: CO

Complaint narrative:
All three bureaus continue to report information on my credit reports that are not suppose to be reported. By law they are not allowed to report information that comes from a third party it must come from the company that filed the information or it must come from the company that owns the said debt. I sent all three bureaus the attached letter where the state of Colorado said that they do not report this information to the credit bureaus and the credit bureaus obtain this on their own. That makes this against the FCRA and the FDCPA I want this bankruptcy removed from my credit profile immediately

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

Complaint narrative:
On so many levels I am frustrated this is totally wrong and it is a shame as a veteran for this country I have to continue to pay consulting fees to companies in order for them to instruct me on how to deal with all of this false reporting on my credit reports. I have sent so many letters to these companies and they are refusing to act accordingly. This is heartbreaking and its making me delusional. As a veteran I should be able to move forward with my life without being given more frustration because of unwillingness to follow the law. This is absurd. I have attached all the documents from the previous months that I have sent and I am asking these companies to remove all this mess. It is false, inaccurate, erroneous and someone keeps running my credit. This is illegal under the united states laws and the FCRA and the FDCPA, Im not an attorney I dont know what Im suppose to put here. WHy WHy Why do you keep costing me more and more money? Please respond. You arent responding to some letters and when I did receive a response it was totally bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On so many levels I am frustrated this is totally wrong and it is a shame as a veteran for this country I have to continue to pay consulting fees to companies in order for them to instruct me on how to deal with all of this false reporting on my credit reports. I have sent so many letters to these companies and they are refusing to act accordingly. This is heartbreaking and its making me delusional. As a veteran I should be able to move forward with my life without being given more frustration because of unwillingness to follow the law. This is absurd. I have attached all the documents from the previous months that I have sent and I am asking these companies to remove all this mess. It is false, inaccurate, erroneous and someone keeps running my credit. This is illegal under the united states laws and the FCRA and the FDCPA, Im not an attorney I dont know what Im suppose to put here. WHy WHy Why do you keep costing me more and more money? Please respond. You arent responding to some letters and when I did receive a response it was totally bogus.

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 2021-02-05 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: Rocket Mortgage, LLC
State: MA

Complaint narrative:
Quicken Loans ( rocket mortgage ) are required BY LAW 'CARES ACT!!! TO REPORT THOSE WHO ARE ENTERED IN TO FORBEARANCE AS CURRENT TO CONTINUE TO REPORT THEM AS CURRENT! QUICKEN LOANS ARE NOT REPORTING COSTUMERS AS CURRENT THEY ARE ENTERING A CODE WHICH WHEN IS SUBMITTED TO CREDIT SHOWN AS 'ND '' NO DATA! THAT IS NOT LEGAL AND SHOULD BE LOOKED DEEPLY IN TO THE LAW STATES SPECIFIC CURRENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Greetings, I have been fighting this company now for the past year on removing charges on my account and they closed the account due to fraudulent activities that I reported and I also spoke with the fraud department that also called me and confirmed that I dont owed them nothing. My credit limit was for XXXX dollars now they are telling me that I owed them XXXX dollars when my balance was XXXX, I was on a autopay with them taking XXXX dollars a month and I never used the card so my limit should of stayed the same at XXXX. These companies are basically abusing military families and veterans with shady 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 2021-02-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 5. XXXX - XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 10. XXXX on XX/XX/2020 ( Reported Identity Theft ). I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: MI

Complaint narrative:
I sent 2 letters to all 3 credit bureaus requesting that Vance & Huffman verify this debt. This is a re-aged debt on my credit report with inaccurate information that violates FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: NJ

Complaint narrative:
I am lodging a formal complaint against nationwide recovery this debt collector has violated the fdcpa/fcra. This debt collector is reporting a {$240.00} medical debt that isnt mine. 
on my credit reports I never recieved a dunning notice in the mail which gives me 30 days to dispute. This account just came on my reports out of nowhere. I have lived at the same home for years. Not 1 letter or call from them. I am requesting nationwide to delete this account from my credit reports immediately. XXXX, and attorney general complaints will be filed next if account isnt deleted. Thanks for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a debit card in the mail on XX/XX/XXXX. for an account I did not open. I called customer service and asked that the account and debit card be closed. They then closed the debit. I would like confirmation that the card and the checking account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, I have a letter from the original creditor stating that I have a closed account that is paid with a XXXX $ balance XXXX XXXX with XXXX XXXX XXXX. XXXX and XXXX already removed this closed account from their reports but Transunion did not. Being the fact that the other 2 credit bureaus removed the account.

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 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Entered Quicken Loans website this morning ( XX/XX/XXXX ) to make my XXXX ( XXXX ) payment. Website refused to accept payment ; indicated my loan had been sold to " XXXX XXXX ''. Have received no correspondence from XXXX, or XXXX XXXX, regarding this. Found a number for XXXX XXXX ( XXXX ) and called them. They indicated that the transfer is " in process '' and likely would not occur until later in XXXX. XXXX ( representative ) indicated I had 60 days to make a payment with no consequences to my delinquency status, late fees, credit reporting etc. I called Quicken and was advised that the goodbye letter had been drafted XXXX and that Quicken would also not accept any payment. Quicken refused, as did XXXX XXXX, to present any resolution. I have been associated with the mortgage industry for over 30 years and am completely confused by this ; can only imagine what the average consumer would think when presented with this situation.

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

Complaint narrative:
While checking my three bureau credit reports through XXXX ; I've noticed a few inquiries and accounts on my credit report that I did not authorize. 

Accounts : XXXX XXXX XXXX - acct # XXXX - Date opened:XX/XX/XXXX XXXX  XX/XX/XXXX- acct # XXXX Date opened : XX/XX/XXXX Discover Bank- acct # XXXX Date opened : XX/XX/XXXX XX/XX/XXXX- acct # XXXX Date opened : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX acct # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Discover Financial Ser XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The bureaus are showing XXXX  XXXX as 90 days delinquent in XX/XX/2020 and that is not correct. I was under the Forbearance program due to the Care 's Act. 

I have attached proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/2021 I deposited a check from a law firm drawn off of Bank of America into my checking account. The check was # XXXX for {$4300.00}. At the time of the deposit into the ATM, Bank of America issued a receipt stating the funds would be available no later than Monday, XX/XX/2021. That same day, the Bank updated the hold date to XX/XX/2021. The Bank later restricted my account for no apparent reason, directing me to Risk Management which told me my account was scheduled to be closed because they couldnt verify my identity. I have filed a separate CFPB complaint regarding the closure of my account, which was not merited. 

First, Bank of America failed to communicate with me in anyway whatsoever that they needed to verify my identity. When I opened the account online, I submitted all my information and received a confirmation email stating it was approved. I later received my debit card in the mail. I have received nothing asking me to verify my identity otherwise I would have gladly done so. Bank of America does not use reason and cognizance when making business decisions. Without telling me what I need to do, they restricted my account. 

Additionally, the above mentioned check has now been placed on hold until XX/XX/2021 at XXXX am. Bank of America complete disregard for facts and logic is concerning. This Bank is harming innocent customers without any consequences. The check I deposited has already cleared the account it was written on and I received proof from the law firm which issued the check. The Bank is abusing its position of power, and putting consumers like me at risk. 

I will consider any and all legal options available to me to redress this situation.

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 2021-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: TN

Complaint narrative:
Wyndham Mortgage Company and XXXX XXXX  XXXX are both claiming the XXXX payment on our loan. 

The loan was transferred from Wyndham to XXXX. Wyndham sent a " goodbye '' letter saying send XX/XX/XXXX payment to them. ( We did and they have the money ). 

Later, XXXX sent a " welcome '' letter saying send the XX/XX/XXXX payment to them. 

Both companies think they are entitled to the XX/XX/XXXX payment. 

Help!!! We are stuck in the middle and now considered delinquent. 

Wyndham has the XX/XX/XXXX payment and we have sent XXXX and XXXX payments to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The bureaus are showing XXXX  XXXX as 90 days delinquent in XX/XX/2020 and that is not correct. I was under the Forbearance program due to the Care 's Act. 

I have attached proof

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 2021-02-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The bureaus are showing XXXX XXXX as 90 days delinquent in XX/XX/2020 and that is not correct. I was under the Forbearance program due to the Care 's Act. 

I have attached proof

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