vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a one-time App purchase through the XXXX XXXX XXXX using PayPal as the source of the payment. XXXX XXXX XXXX asked which PayPal funding source I wanted to use. I specified a XXXX XXXX XXXX XXXX. The transaction went through with no error or other messages. I checked by PayPal account and instead of using the funding source specified, or even the preferred source, PayPal charged My XXXX XXXX XXXX Account that I use for business. 



I spent XXXX minutes on the phone with PayPal on XX/XX/XXXX after spending more than an hour on the evening of XX/XX/XXXX unsuccessfully trying to fix the problem using their website. At first, all three PayPal reps said that since the Debit card transaction was denied, they put the charge on my " most trusted '' funding source ( my business XXXX ). The last person I talked to, XXXX, an account manager, said it was XXXX XXXX  that selected the alternate funding source not PayPal, and I had to call XXXX [ I did try to call XXXX, but none of the 3 phone numbers I tried take you to a human being and I could not use the automated system because my issue was not on the allowed list of issues ]. After saying that PayPal considers acct XXXX the most trusted account, she said XXXX was able to see my various funding sources and selected a different funding source. 



There is a problem either way : either PayPal selected a different, non-preferred funding source without asking me if it was ok, or they allowed XXXX to pick a different funding source than the one I specified. If XXXX could not use the funding source I specified, I should have received an error message or a message asking me to change finding sources. 



With all 3 PayPal reps I emphasized how it was improper for me to have a XXXX Play charge on my Business Credit Card, but all three said there was nothing they could do to reverse the charge, even though XXXX showed it as still " pending. '' I told XXXX, if she did not reverse the charge and then use an authorized funding source to cover the amount, I would have no choice but to dispute the charge with XXXX as a XXXX Play charge could not stay on my Business credit card, and that I would contact you if appropriate. The charge is still pending, so I can't contact XXXX until it is final on Monday or Tuesday. 



I would rather PayPal undo their mistake and obtain the funds from an authorized source, but Pay Pal made it clear that there was no way that would ever happen, unless XXXX instigated the change ( but there is no way for me to get XXXX to do that ). 



I checked PayPal 's terms of service and I could not find any provision that allowed them to select an alternate funding source without permission. Whether it was PayPal or XXXX XXXX that changed the funding source, the action seems to be contrary to their communicated terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-06-10 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: GA

Complaint narrative:
Debt card Fraud & Identity theft

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
See attached ID report that I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Koster's Cash Loans
State: NV

Complaint narrative:
I was notified by my employer that Kosters XXXX has issued a wage garnishment against me. I was never notified of any court date nor was I ever served a court summons. Kosters has not attempted to reach out to me nor have they sent any certified mail to my residence to inform me of their intent to sue. I would have gladly paid any amount I owed, but I am not responsible for any court or attorney fees when I was never even issued a summons. I called and spoke with a representative in their Legal Department today and was told I have to pay a balance of over {$1500.00} in full when I truly owe the company less than {$300.00} and the representative refused to provide me with the original terms of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have attempted to dispute the inaccurate information that is continuing to report to the credit bureaus in my name. I need this collection that is negatively impacting my credit to be removed from my report immediately. Jefferson Capital Systems is reflecting a balance of {$1900.00} as of XX/XX/ XXXX  and should not be for several reasons. I am a Florida resident and they are not licensed in the state of Florida. I requested original signature documents to confirm this account and it was never provided. Where did they come from and why are they not removing the inaccurate information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Ive taken multiple actions to contact the company in regards to my accounts its been months since i received any help towards my issue i recently was approved for the Apple credit card through Goldman Sachs during my first two days of having the card it was restricted with out reasoning they asked me to confirm my identity which i did and still received no resolution after weeks of waiting for a response my card is still restricted whenever i contact super they give me the same answer with no results the company seems to have to desire to help me and just build interest on my account they wont allow me to make payments or use the card making interest constantly build and forcing my credit score to drop dramatically

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Albert Corporation
State: CA

Complaint narrative:
XXXX XXXX  /Albert Bank . This bank is not processing my refund from XXXX who has confirmed that XXXX XXXX /Albert has received my funds XXXX business days ago. Also they are holding multiple small authorized holds for use of a water vending machine from 10 days ago and 5 days ago. Those transactions posted the same day they were made. XXXX XXXX / Albert is hiding behind the maximum time transactions are to be held in order to hold onto deposits. This is an unsavory practice and the vast majority of banks no longer do this as it is a predatory practice. I expect the XXXX {$2.00} authorizations to be released immediately and the {$59.00} from XXXX to be returned immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: NC

Complaint narrative:
This is my several attempts to notify you that I am a victim of identity theft and I write to dispute the certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-06-10 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: NC

Complaint narrative:
This is my several attempts to notify you that I am a victim of identity theft and I write to dispute the certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I've had several bank accounts open in my in Florida with TDBAnk and it has led to me being unable to any other accounts. I had my address changed illegally, and I owe over XXXX plus with these accounts. I have copies of those I can mail to you as I do not trust the system of uploading as that has presented a challenge as well. I am quite exhausted from trying to regain my name but it must be done. 
The following are the account numbers that I have received this information for. Please advise how to proceed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: SC

Complaint narrative:
Was contacted said I was approved for loan they ask for a banking information.. and I gave it not realizing what was happening they sent 2 deposit was told to buy target cards .. person said it was to prove who I was verification process they went into my account filed 5 disputes from my bill pay .. my bank credit it back to me I had no idea what was happening until later I was told to sent all the $ $ cash to po box out of state .. now Im left owing my bank XXXX I did report it to bank in the process of solving it.. I was scammed and didnt realize until my daughter did research .. from XXXX  XXXX.. I got all emails

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Mr. Cooper XXXX : Loan # XXXX We thank your office for your interest concerning our issue with Mr Cooper. Mr Cooper has dealt with us in a very unlawful manner. Breaking all rules and regulations concerning foreclosure. First our original loan was about {$370000.00}. Due to lost of business, we failed behind on our payments. Mr Cooper claimed that they kept adding the payment and interest on the loan principal. They now claim that the loan balance today is {>= $1,000,000}. In XXXX XXXX. The judge recommended that Mr Cooper allow us to do a modification on the loan. Mr Cooper refused to adjust the loan balance, by reducing the interest and principal reduction. That resulted to unrealistic monthly payments. Mr Cooper came up with a monthly payment of {$7500.00} months payment. Which was unaffordable. One can see that Mr Cooper has one goal in mind. That is to Foreclose on the house, then write of the list for a wind fall as tax return. Now the judge has given us the opportunity to sale the house as a short sale. We have engaged the service of a real estate license agent. He was able to get three offers. One of the offers is a cash offer. That will actually take a little time to close on the house. The sale day on the house XX/XX/XXXX. Mr Cooper has crusted the efforts of our Realtor. They will not allow him to put the transaction in the XXXX. Mr Cooper is pretending, and claiming that there is not enough time to execute the short sale. Still waiting for the sale date to come and pass. So that the title will pass to Mr Cooper. In light of the above, we are pleading to your office to intervene. To appeal to Mr Cooper to grant a reasonable time to execute the short sale, there should be no reason for them not to allow more time. We did an appraisal on the house this year in XXXX. To determine a fair market price for the house. We have used that appraisal to list the house, and have received three offers. Mr Cooper will not allow us to do the short sale as granted by the court. All Mr Cooper is focused on, is to foreclose on our house, as as to write it of on there tax return. So to have a wind fall. Just three months ago Mr said that our loan balance was under {$900000.00}. With s short period it has jumped to over one million. All the number are made up numbers. The loan was sold and traded. It has interested individuals that has interest in the deed. We plead to your office to intervene on our behalf. So that Mr Cooper to move the sale date to XX/XX/XXXX. Giving s fair reasonable time to do a short sale. In hope that you will intervene on our behalf. We thank you in anticipation. XXXX and XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
This is a PayPal account. I had to wait almost 3 weeks for my {$100.00} to be added to account from a friend that sent me money. Now it cleared, however they will not let me withdraw my money. I have called, emailed, and chatted. They refuse to help and just keep saying wait another 24 hours after they told me I would have XXXX  XXXX  when calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-10 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-06-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DFC Global Corp.
State: FL

Complaint narrative:
On XX/XX/2023 ; I was told by XXXX XXXX XXXX cashier or account the loan that I paid is not paid. I was told I owe a balance {$800.00} after loan was paid. I attached my claim number for a previous submitted claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: TX

Complaint narrative:
Theres a debt collection agency reporting inaccuracies on my credit report. It says account was opened on XX/XX/XXXX but then shows status was updated on XX/XX/XXXX going from collection to charge off. Yet, its reporting C/O every month after the 180 days of being charged off. So if the account is dead, it shouldnt have an active payment history. Due to this, the statue of limitations is being directly changed. It reports as past due of XX/XX/XXXX although charged off in XXXX. This is reporting on Experian XXXX and 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 2023-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
I get calls from the auto company Consumer Portfolio Services about my auto loan and when asked about the loan its always the same your this many months or days behind. Ive asked why is it Ive had this vehicle 3years and the payments are still the same as when I financed the car. Two years ago Ive asked them. To apply the payments to the loan amount they told me if I want that to happen that I can double my payments.and I can see decrease.They call me everyday sometimes twice a day, e-mail on top of the letters they mail out weekly. Ive informed them about it. I know Im behind they dont have to threaten me everyday. They tell me they can help me with my payment just to turn around and threaten to do a repo on me but I can stop it if I pay whatever amount they come up with, when I pay something they still then turn around and say they gon na repo me again after I pay or make arrangements. I dont need the harassment. I can not get the proper amount I owe on the vehicle. its the same as when I first financed the vehicle three years go ( {$12000.00} ) Three years later Its still the same .They are reporting it on my credit report incorrectly as well.But all these different people calling leaving voicemails messages, emails and texts messages and they all telling me something different is confusing. They are dropping my credit score by doing repeated inquiries on me which is making my credit score drops down.

Company response to consumer: Closed with explanation