vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 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:
Hello sir, I have two accounts with PayPal one under my name XXXX XXXX and email address XXXX and other account under my brother name XXXX XXXX under email address XXXX. 

In XX/XX/XXXX, Paypal informed me that I will not be able to use their service and they held my balance in total {$15000.00}. I have field two complains in the XXXX for each account and PayPal responded to my complains and they informed me that I have to wait 180 days to release my fund. 

I have waited 180 days and on XX/XX/XXXX, PayPal performed unauthorized transaction on the two accounts and they transferred all my money to an account called PayPal and they marked the transaction as corrections. Then, later they reported a problem about these transactions that they have performed on my account. 

I contacted PayPal asking about why they transferred all my money to this account that I am not a ware about. At that time I have informed that I have violated XXXX  policy and they will take all my money. 

I have tried to explain on a multiple occasion that I have not violated the policy and their claim is totally wrong. I have provided them on a multiple occasion that they are processing payment till this moment to the same research chemical product that I was selling at that time on XXXX. They said we will not return your money. I tried on a multiple occasion to ask them for evidence from their policy that I violated their policy, but they do not respond in a professional way. They said you violate the policy where there is no one single item in the policy states that research chemical products are not allowed. In addition, they still processing these kind of transactions till this moment for other websites. 

I have contacted the senator office in California to protect us from PayPal and I have been asked to file complain in the CFPB. I would appreciate if you can help me with this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
In XXXX of 2020 I parked my XXXX vehicle and in front of my brothers house in XXXX XXXX, NY to go on vacation. The car was reported as abandoned, ticketed, booted, and towed during my vacation. Also during my vacation, the COVID pandemic took hold of XXXX. Upon return, I tracked down the vehicle to XXXX XXXX towing in XXXX XXXX. I was informed it was a city tow and would need to be resolved with the city, they were unable to release. I contacted XXXX, I learned i would need to go to the DMV to pay fees. However, the DMV was closed due to COVID. 

From the months of XXXX through XXXX I kept in regular contact with XXXX, XXXX XXXX, and Nissan Motor Acceptance Corp informing them I had not abandoned the vehicle, was simply unable to take the vehicle due to COVID pandemic. 

In XXXX, I made my call to Nissan to follow up as usual and they informed me the car was scheduled for repossession the next day. I arrived to the XXXX finance office that afternoon to see if there was anyway to get the car out of impound. I was told it was impossible without having it released by the DMV, which was closed. Unable to make any type of resolution with XXXX, XXXX XXXX, or NMAC, NMAC repossessed the vehicle. 

I promptly paid the repo fee as well as fees that XXXX charged NMAC for storage of the vehicle during COVID ( NY charged storage fees daily even though I was unable to get the vehicle back ). Nissan reported to credit agencies a repossessed vehicle. 

When I did not have the car, I did not miss a payment. I did not miss a payment when they repossessed, and did not miss the subsequent XXXX payment after I paid NMAC greater than {$2000.00} to get the car back. Despite my loyalty and financial responsibility, NMAC is unwilling to remove the report as a repossession in XXXX. 

I have called NMAC, wrote the credit agency with NMAC, and disputed with the bureaus. Nissan continues to refuse to change the mark in XXXX from repossession to paid, despite a positive payment being made that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: AZ

Complaint narrative:
I went to XXXX XXXX XXXX on XX/XX/XXXX to get a credit card and they denied me, didn't know why if I pay all my bills on time and make good money. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2020-11-10 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: AZ

Complaint narrative:
I went to XXXX XXXX XXXXXXXX on XX/XX/XXXX to get a credit card and they denied me, didn't know why if I pay all my bills on time and make good money. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: VA

Complaint narrative:
Hello - Hope you are well. I am writing in a complaint about a company that goes by XXXX, or First Financial Asset Management located at XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX. The company is a debt collector. This complaint is about abrasive ( borderline abusive ) nature of XXXX of the supervisors, by the name of XXXX XXXX ( if I captured it correctly ). The case in question is # XXXX. 

This is a somewhat unique situation, in that the end consumer ( myself ) disagreed that the debt was valid and after over 65 minutes on the phone including a conference call with the original debtor, the debt was considered satisfied in the first place. 

The individual from the debt collection agency, XXXX, was extremely unkind, difficult to deal with, and offered a few statements that could be construed as threats. I kept a level tone through the discussions, despite the fact that he raised his voice. A few of the highlights from our discussion : " You don't get anything for free ; '' Offering unsolicited advice " Whenever people use points, they always come my way. Always pay for things the right way. '' He also stated numerous facts that were either incorrect ( and possibly illegal ). The first one ( which is incorrect ) is that he stated when you chargeback something from a Credit Card, the company does not get a chance to rebut the claim, implying that I had filed fraudulent chargebacks. He also incorrectly stated that the agent had said the debt was valid, and that he heard it on the call. This is false, as the agent had ruled that the debt was not valid. Last but not least, when it appeared we had not come to agreement, I had stated to him that I received his letter on XX/XX/2020, and that I intended to reply in writing that I disputed the debt and wanted to see an itemized description of the debt in question. XXXX informed me that it did not matter, because he was marking in the file that I am refusing to pay, implying that I would be left to deal with the credit impacts. He then offered to take payment, and if the charge was reversed by the client, he would refund the money. This is abusive, misleading, and completely inappropriate. I can only imagine that this takes advantage of more unfortunate victims of this organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: WA

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have 5 late paid entries on my credit report back from XXXX, this seems like it will never go away. It's been 6 years and according to the FCRA, according to New York State law, these reports are illegally still showing on my credit report and they are hurting me financially. I have waited years and suffered with what essentially amounts to a XXXX XXXX because I can not get this company to remove these very aged late payments ( also the account has been closed since XXXX to boot ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: NY

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
I requested validation of this debt XX/XX/XXXX that they claimed was charged off XXXX in XX/XX/XXXX account number XXXX. As of today they still have not validated the debt or showed any competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay their company. Please provide the requested validation bearing my signature or cease the collection efforts and reporting of this account on my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10 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: NY

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX  XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am the primary person responsible for paying my Lowe 's credit card issued by Synchronicity bank. My husband, a XXXX XXXX, is an authorized user of the card. We just bought a house and we're buying things to fix it up. I've never missed a payment or been late with a payment EVER. Lowe 's Credit Collections Dept has inaccurately and inappropriately reported a reduced credit score to XXXX  because our promotional balance ( 12 months to pay off ) is now {$6500.00}. I'm not delinquent and I alone am responsible for paying the bill, which is current. There is no justifiable reason for Lowe 's to report negative, inaccurate information to any credit bureau for my financial obligations. I've contacted the Lowe 's Corporate Customer Service Office and filed a complaint and the Credit Collections Dept, as has my husband, who has also contacted Synchronicity Bank. XXXX, in the Credit Collections Dept ( a supervisor ) said no one has written a policy that would direct his dept to do such a thing and there is no one I can discuss the issue with to get it resolved. Someone wrote this policy, or this would not be happening. Lowe 's is discriminating against my XXXX husband and reporting inaccurate data. The Credit Collections person my husband spoke with told him he needs to pay the bill and his credit would be restored. We are using their promotional balance program to pay it within 12 months. If Lowe 's doesn't want people to use these programs, why are they offered??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I received a robo-call from a local number ( XXXX ) XXXX which directed me to call a different number ( XXXX ) XXXX. 

The person on the other end was attempting to collect a debt from my wife on behalf of XXXX and XXXX, and they gave the last 4 of her social security number to identify her. They said she owed on a debt from Cash Net USA and wanted to settle the debt, however that debt was taken care of 2 years ago. 

I knew it was a scam and informed them as much and they replied that if they wanted to scam me or my wife they had our full social security numbers to use if they wanted. 

I looked up XXXX and XXXX on XXXX and there is a very basic web page describing the business amd the number was different from the ones I was dealing with. I called to inform them someone was using their name to collect debts illegally but nobody picked up, I left a message. They may not even be real either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
InXX/XX/2020 I parked my XXXX vehicle and in front of my brothers house in XXXX XXXX, NY to go on vacation. The car was reported as abandoned, ticketed, booted, and towed during my vacation. Also during my vacation, the COVID pandemic took hold of XXXX. Upon return, I tracked down the vehicle to XXXX XXXX towing in XXXX XXXX. I was informed it was a city tow and would need to be resolved with the city, they were unable to release. I contacted XXXX, I learned i would need to go to the DMV to pay fees. However, the DMV was closed due to COVID. 

From the months of XXXX through XXXX I kept in regular contact with XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX informing them I had not abandoned the vehicle, was simply unable to take the vehicle due to COVID pandemic. 

In XXXX, I made my call to XXXX to follow up as usual and they informed me the car was scheduled for repossession the next day. I arrived to the XXXX finance office that afternoon to see if there was anyway to get the car out of impound. I was told it was impossible without having it released by the DMV, which was closed. Unable to make any type of resolution with XXXX, XXXX XXXX, or XXXX, XXXX repossessed the vehicle. 

I promptly paid the repo fee as well as fees that XXXX charged XXXX for storage of the vehicle during COVID ( NY charged storage fees daily even though I was unable to get the vehicle back ). XXXX reported to credit agencies a repossessed vehicle. 

When I did not have the car, I did not miss a payment. I did not miss a payment when they repossessed, and did not miss the subsequent XXXX payment after I paid XXXX greater than {$2000.00} to get the car back. Despite my loyalty and financial responsibility, XXXX is unwilling to remove the report as a repossession in XXXX. 

I have called XXXX, wrote the credit agency with XXXX, and disputed with the bureaus. XXXX continues to refuse to change the mark in XXXX from repossession to paid, despite a positive payment being made that month.

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/2020 I parked my XXXX vehicle and in front of my brothers house in XXXX XXXX, NY to go on vacation. The car was reported as abandoned, ticketed, booted, and towed during my vacation. Also during my vacation, the COVID pandemic took hold of XXXX. Upon return, I tracked down the vehicle to XXXX XXXX towing in XXXX XXXX. I was informed it was a city tow and would need to be resolved with the city, they were unable to release. I contacted XXXX, I learned i would need to go to the DMV to pay fees. However, the DMV was closed due to COVID. 

From the months of XXXX through XXXX I kept in regular contact with XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX informing them I had not abandoned the vehicle, was simply unable to take the vehicle due to COVID pandemic. 

In XXXX, I made my call to XXXX to follow up as usual and they informed me the car was scheduled for repossession the next day. I arrived to the XXXX finance office that afternoon to see if there was anyway to get the car out of impound. I was told it was impossible without having it released by the DMV, which was closed. Unable to make any type of resolution with XXXX, XXXX XXXX, or XXXX, XXXX repossessed the vehicle. 

I promptly paid the repo fee as well as fees that XXXX charged XXXX for storage of the vehicle during COVID ( NY charged storage fees daily even though I was unable to get the vehicle back ). XXXX reported to credit agencies a repossessed vehicle. 

When I did not have the car, I did not miss a payment. I did not miss a payment when they repossessed, and did not miss the subsequent XXXX payment after I paid XXXX greater than {$2000.00} to get the car back. Despite my loyalty and financial responsibility, XXXX is unwilling to remove the report as a repossession in XXXX. 

I have called XXXX, wrote the credit agency with XXXX, and disputed with the bureaus. XXXX continues to refuse to change the mark in XXXX from repossession to paid, despite a positive payment being made that month.

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