vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-12 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: IN

Complaint narrative:
I want to add a bank to withdraw my money, but I can't increase the bank, and I can't get in touch with paypal Theres a problem with your account. Please go to the resolution center so we can help you resolve this quickly. 

My mailbox number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: Midwest Recovery Systems
State: VA

Complaint narrative:
I placed a dispute with Midwest recovery about the account covered by insurance showing as a negative account in collections on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: IL

Complaint narrative:
I want to add a bank to withdraw my money, but I can't increase the bank, and I can't get in touch with paypal Link a bank account Theres a problem with your account. Please go to the resolution center so we can help you resolve this quickly. 

My mailbox XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I offered to make a payment and try to settle with the company to have this collection deleted from my credit report XXXX XXXX by mail. A week after sending the letter national credit systems contacted me and threatened to sue me and ruin my credit. A few days following an attorney from XXXX XXXX office called repeatedly and left several voicemails telling me good luck in court. I could never contact anyone back at the law firm. I would like for this to end and this collection to be deleted or settle for the amount I initially asked, delete from my credit report, and do not ever contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: TX

Complaint narrative:
I want to add a bank to withdraw my money, but I can't increase the bank, and I can't get in touch with paypal Link a bank account Theres a problem with your account. Please go to the resolution center so we can help you resolve this quickly. 

My mailbox XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I was using cashapp for bills and other small payments between my roommates sent a friend money for food and cashapp immediately blocked the transaction and is now locking me out of my account i have made multiple attempts at contacting them to which they never replied if I didn't have money on the account it wouldn't be a big deal but I need my money my bills are now past due and I cant get a response doing some research online im not the only one that they are doing this too and it seems to be an ongoing problem please help I havent had access to my money in over a week

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain. I challenge the accuracy, compliance and reportability of ALL accounts I have with you at any or all bureaus. I have sent many disputes to this company and you have FAILED to provide me any signed agreement that I have with YOUR company. 

There is no valid claim, no contracts exist. You reporting that I owe you money is a grave error and you are making a false claim! I want this account removed immediately or litigation may follow. You should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount that you are seeking in all accounts you have with me.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which you can not prove that I am REQUIRED to pay or that i have any sort of agreement with you concerning this debt. Please be advised this is against F.C.R.A. law and is a violation of my rights.. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking { {$1000.00} } per violation for : 1. ) Defamation 2. Fraud 3. ) Violations of the Fair Credit Reporting Act. 

Also please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: TX

Complaint narrative:
I want to add a bank to withdraw my money, but I can't increase the bank, and I can't get in touch with paypal Link a bank account Theres a problem with your account. Please go to the resolution center so we can help you resolve this quickly. 
My mailbox XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P.
State: IL

Complaint narrative:
XXXX XX/XX/XXXX - I terminated my lease with XXXX XXXX XXXX XXXX for their property on XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX, XXXX CO XXXX XXXX 

On the same day I was sent an invoice for lease breakage via mail which I paid via a cashiers cheque. I have email of the invoice, payment receipt as well as the scanned copy of the paper receipt. 

XX/XX/XXXX - The company 's leasing agents started calling me demanding extra money without providing me with an invoice or any explanation of why the additional money was requested - I sent them details of payment made and requested for a refund of my security deposit - no response from them. 

XX/XX/XXXX - XXXX again call me without providing either any amount or any invoice or any basis of charging me XX/XX/XXXX - I send a notice via registered post as well as email - demanding either a refund of my security deposit or a statement of my accounts due to me as per Colorado statutes from XXXX ( Post sent to their authorized representative Mr. XXXX XXXX at their registered address in XXXX ). XXXX still did not provide me a statement of my accounts to me as requested or a refund of my security deposit XX/XX/XXXX - I notice a significant decline in my credit score and upon checking the report find that a debt collection agency named LTD Financial ( XXXX XXXX XXXX  ) have placed a negative account charge on my credit report - without contacting me, either via phone, or post or mail or providing me with any proof of debt as per fair debt collection practices act XX/XX/XXXX - I raise an investigation with XXXX  on the negative charge and send email notice to LTD financial at the registered mail address on their website ( XXXX ) Thus XXXX   demanded payments without providing an invoice, without providing any evidence of debt owed, shared my personal information with debt collection agencies without my consent. LTD Financial placed a negative account charge on my credit report, damaging my credit score without making any attempts to contact me or provide me any evidence/information of debt owed  as is required by Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app was contacted on XX/XX/XXXX XXXX about a XXXX dollar and a XXXX dollar Bitcoin transaction that was a scam I was involved in they didn't reply to the email for two days in which they told me they could not issue out a refund because the Bitcoin had already been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union, is partial towards members, or ex members. whom has filed Bankruptcy. If a member has financial hardship. He or she should not be rewarded, with the discontinuation of their membership. I know its a HORRIBLE ACT, to afflict on a Veteran and his or her family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I purchased a bed frame with box spring at Ashleys furniture online dint deliver my bed frame on time just delivered defective box springs waited more than a month for bed frame after two days bed frame broke and box spring where defective spoke to Ashley 's furniture they refused to exchange or returning items contact Synchrony Bank to dispute charge and still waiting after almost 4 months

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 2020-07-12 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: PA

Complaint narrative:
I have reached out to the following credit bureaus, Experian, XXXX   and XXXX to dispute the Hard Inquiries on my credit profile that I did not approve and had no knowledge. The items below was unauthorized and was asked to be removed from each credit report and the credit bureaus failed to provide any evidence that these inquiries were accurate and have not removed the items. 

XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2020-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Today XX/XX/20 Bluebird American Express locked my prepaid card ending in XXXX AFTER an uncharged authorization released to my card after merchant agreed not to charge for non shipped item. Bluebird committed fraud by closing my card in an effort to deny me access to remove my bank debit card I placed on account for balance transfers. 
In a word, this is bank theft by Bluebird.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Was previously with Navient during my enrollment at XXXX XXXX University from XXXX to XXXX. Was placed on forbearance due to difficulty making a XXXX a month payment. Tried multiple times to refinance or get a better payment plan and was refused. When XXXX took over my loan from Navient, not only are they offering better and affordable monthly payments but they were also very helpful in enrolling me in public service loan forgiveness for law enforcement which Navient advised me was not available with them despite my loan types. Prior to graduation from XXXX in late XXXX, my student loan debt total was about XXXX however after graduation, and after my forbearance my total owed sky rocketed to almost XXXX owed and the explanation given from Navient was that it included interest accrued while I was enrolled in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have reached out to the following credit bureaus, XXXX XXXX   and Transunion to dispute the Hard Inquiries on my credit profile that I did not approve and had no knowledge. The items below was unauthorized and was asked to be removed from each credit report and the credit bureaus failed to provide any evidence that these inquiries were accurate and have not removed the items. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/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 2020-07-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reached out to the following credit bureaus, XXXX, Equifax and XXXX to dispute the Hard Inquiries on my credit profile that I did not approve and had no knowledge. The items below was unauthorized and was asked to be removed from each credit report and the credit bureaus failed to provide any evidence that these inquiries were accurate and have not removed the items. 

XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MXXXX XXXX Inquired on XX/XX/XXXX XXXX   XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I made several payments to my home depor credit card and they were not applied. Last week I was told to fax proof of payment to the company which I did and I have the fax confirmation and they are still hassling me. I went online and then saw severall payments that I made were not credited to my account and twice I was charged late fees when I had paid, I most recently made a payment for {$35.00} on XX/XX/XXXX and they are stating that they did not receive that payment and are emailing me every day despite the fact that I faxed them proof of payment. 

I also made a payment of XXXX on XX/XX/XXXX that was not applied to my account and on XX/XX/XXXX that was not applied to my account. 

Now I am being billed for disputed amounts via my email on a daily basis and I see that my letter to them -- my secure message is not sent. Please push them to investigate where they are putting my money and and drop the late fees. I pay my bills on time

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 2020-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA recently discharged an auto loan I took out in 2016, despite my many attempts to pay it off, after missing a few payments while dealing with the financial and physical issues of my recent illness. Despite willing to pay the loan off in full, USAA refused to stop the discharge of the loan or work with me in any way despite my requests and the recent legislation passed due to the current COVID-19 pandemic. 

Additionally, USAA violated TILA in regards to this auto loan.For a whole year USAA, failed to provide me with any billing statements, information associated with the loan and for several months even refused to accept payments unless they were made from an internal account. This of course was not possible as USAA closed my internal accounts, which caused a 0.5 % increase in my APR as auto pay from a USAA account was a condition of receiving the lower APR. Along with shutting down all my internal accounts due to their repeated failure to resolve a single issue of identity theft, USAA continually stated they would forward me all related loan documents, bills and legers. As a result the vehicle was placed into repossession Immediately after being placed in reposession USAA accepted payment for the total amount due and reversed all fees and penalties caused by their actions. USAA violated the FCRA, by refusing to remove the late payments from my credit report despite many requests. 

To date USAA still attempts to send me all my consumer lending documents online which they restricted my access to years ago. With the exception of finally starting to send me my consumer lending statement which states the monthly amount due. This statement fails to provide crucial loan information, such as a payment ledger, total amount remaining etc. 

USAA, has also been discriminatory by not making all services and data related to my auto loan available to me as it does other members. I am unable to access any of the loan information online, retrieve any documents submitted, set up or make electronic payments or auto drafts online. In fact, I have to personally call in every month to pay this auto loan. 

In short USAA has made a habit of violating TILA, FCRA, has failed to provide a 1099C relating to this charge off, or work with me to make any attempts to salvage the loan. All while having damaged my credit years, reporting this loan as late and repossed, which prevented me from seeking alternative financing elsewhere and escaping their deceptive, discriminatory and illegal lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation