vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
My account was closed with CURRENT online banking. Due to unauthorized tranactions and account take over. I tired to report my card missing for several different type of times but waa still unsuccessful. They had no customers service live or automated service. Only contacted that was available is thru vis emails and its was even more difficult because no one returns emails. At XXXX. So by the time which was on XX/XX/2020 arizona unemployment deposited XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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 months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
a debt collection company by the name of I.C. SYSTEM, INC has listed a negative collection account on my XXXX and XXXX  credit report, claiming that i owe a debt of {$58.00}. i am demanding this account be removed from my credit report seeing that this account does not belong to me. unless I.C. SYSTEM, INC can provide physical proof of an original contract or any documentation with my photo identification or signature on file. 
A billing ledger does not count as proof that this account belongs to me, please provide only physical evidence if not remove this a.s.a.p.

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 2021-04-04 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 months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: AL

Complaint narrative:
Hello, My PayPal email : XXXX has money which I can not transfer or use. The 180 days are over yet the money can not be used. All I would require is help so that I can be able to use my money. 

PayPal address : XXXX Thank in advance for any help granted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04 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: NJ

Complaint narrative:
I am submitting my dispute and or complain to CFPB once again regarding accounts that are on my credit report that I have previously disputed as Identity Fraud. The accounts that are fraudulent on my credit reports are as follows : XXXX XXXX Acct # XXXX - {$8100.00}, XXXX XXXX Acct # XXXX - {$8300.00}, XXXX XXXX Acct # XXXX - {$3600.00}, XXXX XXXX  Acct # XXXX - {$880.00}. And also a collection account- XXXX XXXX XXXX Acct # XXXX - {$2900.00}. Some of these accounts I disputed as ID Theft fraudulent a few times and they were removed from my credit report and now the accounts have all been re entered to my account. Again, I ask of you to please remove the accounts as Identity fraud and I have once again attached my police reports which all the credit bureaus have on file and all the FTC Affidavits that I have also previously sent before. Please as this is done accordingly please send me a corrected credit report with all five of these items removed. Also, there are addresses on my credit report that doesn't belong to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. These do not belong to me so please remove them. Also, my name is XXXX XXXX XXXX and not XXXX XXXX XXXX please remove that name. 

This is affecting me negatively and is costing me alot with these issues. Please remove them. Also, I have been blocked from being able to look at my XXXX report and also Equifax credit report online. I am also continuously not able to get in touch with a representative because I was told that a special group is handling my credit report and they work selected. I should be able to look at my report any time that I want. Please fix this please I am asking again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has failed to validate debt. From what I can determine they are trying to collect a co-payment that was already paid to the original agency.

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 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has failed to validate debt. From what I can determine they are trying to collect a co-payment that was already paid to the original agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: NJ

Complaint narrative:
I am submitting my dispute and or complain to CFPB once again regarding accounts that are on my credit report that I have previously disputed as Identity Fraud. The accounts that are fraudulent on my credit reports are as follows : XXXX XXXX Acct # XXXX - {$8100.00}, XXXX XXXX  Acct # XXXX - {$8300.00}, XXXX XXXX Acct # XXXX - {$3600.00}, XXXX XXXX Acct # XXXX - {$880.00}. And also a collection account- XXXX XXXX XXXX Acct # XXXX - {$2900.00}. Some of these accounts I disputed as ID Theft fraudulent a few times and they were removed from my credit report and now the accounts have all been re entered to my account. Again, I ask of you to please remove the accounts as Identity fraud and I have once again attached my police reports which all the credit bureaus have on file and all the FTC Affidavits that I have also previously sent before. Please as this is done accordingly please send me a corrected credit report with all five of these items removed. Also, there are addresses on my credit report that doesn't belong to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. These do not belong to me so please remove them. Also, my name is XXXX XXXX XXXX and not XXXX XXXX XXXX please remove that name. 

This is affecting me negatively and is costing me alot with these issues. Please remove them. Also, I have been blocked from being able to look at my Transunion report and also XXXX  credit report online. I am also continuously not able to get in touch with a representative because I was told that a special group is handling my credit report and they work selected. I should be able to look at my report any time that I want. Please fix this please I am asking again.

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 2021-04-04 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank withdrew 100.00 from my XXXX  XXXX XXXX debit card ending in XXXX on XX/XX/2021. I have emails to prove that the money was taken from my account and bank statement also reflects that XXXX was taken by TD Bank. I have been treated very poorly by TD Bank, while I have been trying to find out what TD Bank has done with my opening deposit of XXXX. The bank states that they have no idea that the bank withdrew my XXXX because there is no trace of the transaction. Then they told me later on XX/XX/2021 that the XXXX was sent back to my account and I should receive it in 24-48 hours. 
One representative even told me that the XXXX  would be placed on the TD Bank debit card that I received in the mail. It is now XX/XX/2021. I have disputed this what seems to be fraudulent activity by TD Bank with my bank. I was later contacted by the XXXX Branch after I submitted an online form to complain about my deposit that was stolen. She seemed nice, but she she later called to ask me if my deposit was XXXX and not XXXX. How could I get that amount confused. I am very upset. I feel like I am being given the runaround every time that I call the bank and even now that I have been contacted. On XX/XX/2021 she asked me to submit my XXXX  XXXX XXXX Statement to show that TD Bank took the 100.00 out of my account on XX/XX/2021. I was asked to drop it off at the door and I will be contacted later to see if my deposit can be found or refunded. I also stated that TD Bank can get that information directly from my bank, since I have disputed this. This is the worst banking experience that I have ever had in my life!! I am not going to drop off my personal information from my bank to this bank, especially after my money has been stolen and I was treated poorly at the branch. I feel as though I should have been asked to come into the branch with my documentation, so my money can be refunded. At this point, I am pretty sure Fraud is going on at TD Bank. I am sick and tired of all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
HI i close my account with citibank due to massive fraud i had on my account and there are more fraudulent ACH appear on my checking accounts in between XX/XX/2020 and XX/XX/2020 i would like for these payments to be disputed for discover bank and i would like them to be opened on my behalf and my account number is XXXX and my name is XXXX XXXX and i would like callback if possible thank you

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 2021-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Hello and good day, I have several issues with my mortgage company # 1 I have written a letter to them to cancel PMI, have never missed a payment or been late in going on 4 years, they said I have to pay them XXXX  dollars to remove it and my loan is below 70 % of the original value of the loan under the homeowners protection act it should have been terminate automatically and have called them also, no action has been taken to remove it, I just got hurricane windows and doors put in the house and have been remolding the house inside and outside ( painting, wood work, etc. ) fixing it up due to the condition when i purchased it. # 2 I have to carry flood insurance due to a 100 year flood zone where the house is, they hold escrow and never pay the insurance on time, this past year I called them 2 times in XXXX when it was due 2 times in XXXX and again 2 times in XXXX with no response from them or from the agent who writes my policy so I took it upon myself and found a new agent and company to get me a new policy ( flood ) and they the mortgage company fined me {$300.00} dollars for them not paying my flood insurance on time, they hold the escrow money and did not do their job, now is this fair? They will not return the money, or remove the escrow from the account even though I have paid the bill in full out of my own pocket and wish to each year due to the fact they never pay the bill on time and never contact me telling me they are unable to pay it or contact the insurance company who provides the policy. I have been going through this every year since i purchased this property and have to call every year making it a big hassle for me since I work 6 days a week and should not have to check up on them to do their job. But every year they never pay the bill and get me a new policy costing 4 times what i pay and then I have to struggle to get it taken off!!! All i want to do is pay for it myself and they refuse to take it off my mortgage and allow me to pay it myself even thou I did it this year due to a breach of contract on their part!! Please help

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 2021-04-04 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: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Telephone No. XXXX Consumer Finance Protection Board RE : PNC Bank, COMPLAINT ID XXXX Dear, CFPB Manager, This complaint has been filed before, but the cfpb did not require the merchant to provide disclosures given at time of application, nor required an explanation as to whether a layman, like myself was fully and substantially explained the hard vs soft injury and how it would affect his credit rating. 

I just telephoned PNC Bank on yesterday, dispute transaction I have not received yet. I informed her that she was supposed to send me and cfpb copy of aforementioned disclosures given to me. I have not gotten it yet. It should be noted that credit reporting Agencies has made hundreds of errors, this article highlights during XXXX, but I sincerely believe the problem has always existed. See link and XXXX XXXX XXXX XXXX 

Also, the merchant has not provided at the time of application any details on how a layman/consumer, like myself, were verbally given a sufficient explanation on the destination between a hard vs soft pulling of my credit report and how it would affect my crediting ;, or in the alternative any affividits of all decision makers on this decision not remove the trade line from my CR. Cfpb just accepted and closed my complaint. It seems that cfpb accepted the merchant explanation is final and no independent party makes the decision in the process. This violates my Constituational right to due process.

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
on the XXXX of XXXX around XXXXXXXX XXXX i stopped at the bank of america branch in XXXX, to make a total of XXXX in cash and XXXX in check. when depositing the cash value at the ATM he returned a part to me saying that the total money for a transaction had been reached and then I deposited {$300.00} in check, that's when the ATM froze and secured my card and did not issue the receipt. At that moment I called the number that was at the ATM for assistance and spoke with the assistant named XXXX. he said it was not for me to leave the front of the machine until he said. he reconnected the machine but my deposit was not registered nor returned my mwu card. the technician said he was going to report the case and that I had to ask for a new card and the machine is without access. at that same time i asked for a new card through the bank 's app and went to another XXXX XXXXXXXX agency and made the deposit with the cash reactant i had, because i had to pay the IRS. for the deposit at the XXXX branch I used the XXXX XXXX to access the ATM. I made a claim for the situation but they said that the only deposit I have was the one of XXXX 's never existed. if they checked the ATM video and saw that I was there and also the check for XXXX dollars and my debit card.

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 2021-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX XX/XX/2021 I sent my daughter {$150.00}. and she told me she Never received the money because she lost that paypal card so she doesn't have access to get the money so She contact paypal who told her that the person who sent the money have to contact them so I did they then told me that the money would return to my Acct in 30 days and it's been over that time frame and I still haven't gotten my money back or any response from Paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: LEXISNEXIS
State: NY

Complaint narrative:
I reached out to lexisnexis on XX/XX/XXXX to inform them that I had an investigation in process with XXXX disputing a chapter XXXX bankruptcy dismissal and the results came back verified through Lexisnexis. Informing Lexisnexis of the investigation and the out come ending in a verified accurate status they stated that they would contact XXXX to remove and delete the bankruptcy because it was deleted in their records. I spoke with Lexisnexis rep on phone explaining that XXXX claimed they completed an investigation also they claimed Lexisnexis was the furnisher of informatiom who verified the data. Prior towards XXXX starting their investigation I received a letter on XX/XX/XXXX stating the bankruptcy in your records was removed. How was XXXX able to verify this information after it was deleted in Lexisnexis data 4 months prior of XXXX  starting their investigation on XX/XX/XXXX while claiming the investigation was completed and verified by Lexisnexis by on XX/XX/XXXX. I would like to know if XXXX contacted Lexisnexis and did their due diligence to confirm the accuracy or did they just recklessly violate my rights without an investigation. On XX/XX/XXXX I also spoke to XXXX rep explaining that I just got off the phone with Lexisnexis stating they would contact XXXX to remove and delete the bankruptcy. On XX/XX/XXXX I spoke with XXXX rep and during our call he stated if Lexisnexis confirms it's not in their records they would remove and delete it. I am Holding Lexisnexis accountable to contacting XXXX to verify the chapter XXXX bankruptcy was deleted from their reports and confirming they are not the furnishers of the bankruptcy data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM WRITING TO DISPUTE THE FOLLOWING INFORMATION THAT IS REPORTING ON MY XXXX CREDIT REPORT ON XX/XX/2021 I SENT XXXX PROOF OF POLICE REPORT AND IDENTITY THEFT REPORT ON XX/XX/2021 SHOWING THEM AND PROVEING TO THEM IM A VICTIM OF IDENTITY THEFT AND THEY ARE STILL REFUSING TO REMOVE THESE FRAUDULENT INQUIRIES I CANT EVEN LOCK MY CREDIT REPORT ONLINE TO STOP THESE FRAUDULENT INQUIRIES THREW THE XXXX WEBSITE OR ANY WEBSITE BECAUSE OF XXXX I CALL THEM AND TELL THEM ABOUT WHAT IS GOING ON AND ABOUT THESE FRAUDULENT INQUIRIES AND WHY I CANT EVEN LOCK MY CREDIT REPORT AND THEY TELL ME THERE IS NOTHING THEY CAN DO ABOUT IT I WANT ALL THESE INQUIRIES STOPPED BY LAW WITH PROOF OF POLICE REPORT AND IDENTITY THEFT REPORT THE ARE SUPPOSED TO REMOVE THESE FRAUDULENT INQUIRIES AND HELP ME LOCK MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: FL

Complaint narrative:
I start to dispute a Car Reposesion with XXXX XXXX since about 9 months and I been sending disputes thru the usa postal service many times and sending certified and with return receipt and since this account is past the status of limitations the original open date was XX/XX/XXXX and now is XXXX of XXXX is time to fall of from my credit report and must be deleted 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