vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
A person pretending to be from the power company said i was overdue and power would be shut off within the hour on XX/XX/2021. Method for quickest transaction possible was a money app provided by my online banking app. Transaction was completed, power remained on, but no credit to my account. My bank wouldn't even file a report due to the XXXX XXXX method of payment they provided access to from their app.

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 2021-04-13 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:
I sold a piece of equipment on XXXX on XX/XX/2020 for {$5000.00} ( included shipping ) And we used paypal. When The money came to my paypal the buyer tried to file a dispute. The dispute was settled by paypal in my favor. I now have $ XXXXUSD in my PAYPAL account that is ( available ) but i can not do anything with the money i want to withdraw it into my personal bank account but Paypal has permanently limited my account and they are saying they can hold my money for 180 days. The reason for holding the money is in case of any charge backs. Well the customer already tried to do a charge back and was unsuccessful so now PayPal is just holding on to my money for no reason. Please Help Desperate for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Tiptree Financial Inc.
State: CA

Complaint narrative:
The mortgage originator repeatedly asked for us to falsify information on official documenst, and also for our CPA to blatantly lie on official documents. 
He was replaced with another partner in the company, and we are being told that our loan approval is contingent on the release of our daughter 's medical history - an obvious HIPAA violation. She was adopted from XXXX XXXX, and the mortgage company is including the XXXX XXXX XXXX payments as part of our income. They have received every page of every form they have asked for, but with her medical history retracted from the form. They tell us that releasing this information to underwriting is the only way they can approve us for a mortgage. 
This is all after months of working with this company, and being told all along that we were already approved for the loan. Now our home has already been sold, and we are in escrow on a new home. They are delaying the process unnecessarily, which could ultimately cause us to lose our bid on the new home, and potentially have nowhere to live at the end of the month, when we are required to move out of our current home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
This collection agency named Ad Astra Recovery put an collection on my credit report back in XX/XX/XXXX. I have never done business with this company and they are asking me for an amount of {$330.00}. I told them to delete this collection from all 3 credit bureaus but they chose to just send me an inaccurate contract. From XXXX  XXXX-XXXX  XXXX  Ad Astra Recovery was reporting to all the 3 credit bureaus of an amount of {$330.00}, then in XX/XX/XXXX this amount when up to {$330.00} owed on all 3 credit bureaus and also reporting as an open account on XXXX and XXXX  and closed on XXXX. which proves this collection accounts are open when they should be closed and Ad Astra Recovery is adding interest to an closed and inaccurate account. The account number on the contract and credit report are different : XXXX on my credit report vs XXXX on this contract Ad Astra Recovery sent me. Also on the open end loan history They do not even have my full address which is being reported on my credit report with XXXX report which I had to call to dispute for an second address reporting on that report. XXXX told me I couldnt delete a couple old addresses on my credit report because there are accounts connecting to that address. This inaccurate account is one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
KIA MOTOR FINANCE is violating FCRA FDCP TILA statutes. I XXXX XXXX XXXX am a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX on all accounts created by my seal/signature, I am contacting you the Consumer Financial Protection Bureau to oversee this complaint and enforce the laws created and sanctioned by your organization and the United States. In this matter the Unites States is, according to 28 U.S. Code 3002 ( 15 ) ( A ) a Federal Corporation This complaint is being addressed to the CFPB the regulatory body that enforces Regulation M. The actions required in this complaint are to ensure that KIA MOTORS FINANACE and their representatives make recompense and or pay redress and compensation for their trespass against me. 
The Exhibits labeled A through G-1 in this complaint shall prove that Kia motor finance is violating FCRA FDCP statutes. Kia Motor Finance has had 8 separate occasions to address my ID theft report in affidavit form concerning a fraudulent account that is reporting on my consumer credit profile. Violating 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i : 12 CFR 1013.1 - Authority, scope, purpose, State of California CIVIL CODE Section 2985.7 1667a. Consumer lease disclosures 15 USC 1692

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Dear Equifax, XXXX, XXXX, According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score. 

Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery at XXXX XXXX XXXX. XXXX XXXX, XXXX, Va XXXX has been sending me collection notices in the amount of $ XXXX collection is being reported as past due balance.I have never done any business with this company.This company does not have any contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 3 accounts i have with XXXX XXXX and the accounts show late payments on my credit report. I had talked to the XXXX XXXX employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.

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 2021-04-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 3 accounts i have with XXXX XXXX and the accounts show late payments on my credit report. I had talked to the XXXX XXXX employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 3 accounts i have with XXXX XXXX and the accounts show late payments on my credit report. I had talked to the XXXX XXXX employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.

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 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: WI

Complaint narrative:
XX/XX/XXXX called XXXX XXXX XXXX about a disputed transaction, company cancels card and says they'll mail a new one ... XXXX last monday called company to complain card didn't arrive was told it was returned undeliverable but they'd try sending again ... called XXXX last Wednesday and XXXX XXXX XXXX apologized that I was lied too, about mail being returned and they said my replacement card was mailed XX/XX/XXXX and should arrive last Friday ... it's now Tuesday XX/XX/XXXX, still no replacement 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 explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: GA

Complaint narrative:
There was a charge back to my account due to a bank error. I immediately wired the money to my Binance account. I submitted a support ticket to regain access to my trades and withdrawals. I followed all the procedures asked of me and can not get a response from them. They are holding over XXXX in funds in my Binance account and they will not let me have access to them. There is no phone number so I can not contact them. I have tried all avenues including XXXX, XXXX, XXXX, XXXX and no response. Latest ticket number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: PA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On my credit report there is an account from the following creditor : Account # XXXX PORTFOLIO RECOVERY XXXX XXXXXX/XX/XXXX ( original creditor ) {$3400.00} I am writing to dispute this charge, as I have no recollection of what it is for. I have been trying to contact the creditor for several months in order to obtain proof of the charges owed, including invoices, statements, or any related documentation. Until now, I have not received an answer. 

Kindly look into clearing this charge as I can not obtain any proof that these charges indeed belong to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
arcadia recovery is reporting 4 accounts on my report that i have asked for validation of debt from them multiple times with no luck ... they keep coming back saying it is verified but they are not conducting a proper investigation ... .see my attachments and look at the date of last active on all of them ... notice 2 different dates..these accounts have all been re aged and i demand that they delete these now for not conducting a full investigation as these are not reporting 100 % accurately as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I WAS NEVER notified of the DEBT, I ONLY FOUND OUT AFTER I SAW IT ON MY CREDIT REPORT.

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 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Dear XXXX XXXX / CCS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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 and 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 effecting 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 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I went to a BBVA XX/XX/XXXX in XXXX, TX and made an ATM cash deposit of {$300.00}. After I inserted the bills, the ATM started making a noise as if it was continuously trying to accept the bills. The screen then showed a message stating something regarding the bills being unrecognized and that they'd be returned. However, the slot where you inserted the bills did not return anything, you could just see something spinning continuously in there and the bills were not moving either in or out. After waiting 10+ minutes, the ATM said the transaction was cancelled and displayed an error message stating that it was offline. 

I checked my account and did not see a deposit for the {$300.00}. I immediately went to the drive-thru teller window and told the teller that the ATM accepted my money, went offline, and did not deposit it to my account. The teller told me the machine would need to be repaired before it could be used again. She also gave me a number to call and file a missing deposit dispute. I called the number and filed a dispute, dispute number XXXX, ticket number XXXX. I received a letter dated XX/XX/XXXX that said they were investigating and had issued a provisional credit for {$300.00}. Last month, I received a letter dated XX/XX/XXXX that said the investigation was complete and the disputed transaction was authorized/correct, and the credit was removed. 

I do not understand how the dispute is complete and the money was not credited to my account. I believe that once somebody went to repair the broken machine, the ATM would have been {$300.00} over what it should have been, and the overage could have been linked to my dispute. The ATMs also have cameras, so I'm sure there is video of me inserting the money, waiting there for an extended amount of time and then the machine went offline. If you put all of that together, I'd think the deposit could be linked to my dispute/checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
fraudulent collection : previously deleted for being such. 

The requested hard copy documentation of addresses was previously delivered to Experian.

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX and XXXXXX/XX/XXXX pulled my credit twice without my authorization. 
my attempts to contact them to have the hard pulls taken off have failed. 
i now have some of my personal information stolen on the dark web. 
i dont know if it was because of them or something else. 
but the credit pulls, i want taken off. i did not authorize that. 
the phone numbers listed for XXXX and XXXX XX/XX/XXXXon Experian are XXXX and XXXX. 
i did a scan with XXXX XXXX from XXXX and XXXX and found out my personal info has been stolen. i also called XX/XX/XXXX about this and they sent me to XXXX which i didnt know is in XXXX, because of the language barrier and understanding, they werent able to help me to find out who stole my information. I use XXXX, XXXX, XXXX, XXXX, and my place of employment got ransomware attacked, so i have no idea where the theft occured and what to do. no one can help. this all didnt start until XXXX and XX/XX/XXXX XX/XX/XXXX pulled my credit without me authorizing it. I have received 2 robocalls since then threatening my arrest and for me to leave work 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