vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I acquired a car loan from XXXX in 2016. I requested and was informed that I'd be enrolled in XXXX automatic payment withdrawal program. A few months pass by and I was informed by XXXX that I was late on payments for my vehicle. I informed them that this couldn't be the case since I was enrolled in the automatic payment withdrawal program. They stated that they would take care of the issue and remove any negative information off my credit card report. After many phone calls over the years to XXXX and the credit bureaus, there hasn't been any resolution. This is something that wasn't my fault and I would like a successful resolution to this matter.

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 2020-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Since I filed a complaint with CFPB last year I have been retaliated against by Comenity Bank. I had two credit cards three years ago paid in full never late. They closed them because they stated fraud was reported ... not true! Like I said I paid the accounts that I had never late. In fact they stopped reporting that to my creditors and the law states they have to report to credit reporting agencies for 10 years so right there they are currently out of compliance. Any time I would apply after the fact they decide to decline my application stating a bogus response. I believe they have black listed me because of a previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I have an account with the online " bank '' Current ( through XXXX XXXX XXXX ) - they provide me with an online free checking account that I pay XXXX/month to access premium features, including a debit card, direct deposit, bill pay , p2p transfer, and even a nifty feature called SAVINGS PODS. It's not an official savings account. You can't keep more than XXXX in one, and you label them things like Groceries or Vacation and set little savings goals. You can also have purchases rounded up and change put it into one. Anyway, my unemployment has been going into my Current account and I decided to seperate some into the Savings Pod so it would be less tempting to spend. They are advertised as something you can move funds to and from anytime for whatever reason. There's no maturing, there's no only 6 transfers a month allowed or anything like that. So here I put {$500.00} in a savings pod a few weeks ago and I have been trying to transfer it back into my checking account for the last week or so and the app gives me an error saying to contact support. Well I contact support through livechat which is the only way and they all say the same thing : a supervisor will have to review this. Or it's been escalated to management. Every day for the last week I'm reaching out to these people. Live chat, website contact forms, letters in the mail. NOTHING! Nobody can give me any answers and nobody will let me talk to a higher up. Nobody seems to know anything. What I do know is my Current checking account is XXXX and I can't put gas in my car or eat because there's {$500.00} of my own money in some stupid savings pod in their app that they will not let me access nor provide any reasons or explanations. So Every day on chat, support tells me management will fix it and email me. It's been over a week and I've heard nothing. I log into the app and see my negative balance but then I see my savings pod with {$500.00}. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
My Coinbase.com account was locked after i sold my Bitcoin at a high point on XX/XX/2020. I kept the money in the XXXX XXXX  so i could rebuy when the prices went down but the next morning XX/XX/2020 my account was locked for no reason at all. I submitted a case immediately and Ive not received any responses. Ive tried to reach out through XXXX  on their support account to no prevail. I have thousands of dollars sitting in my account that I have zero access to. Ive had two factor authentication activated since the creation of my account as well. My case number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: AL

Complaint narrative:
A debt showed ump on my credit report without trying to collect from me or ask if it was mine. I had insurance at that time so I don't think this is mine. Plus I never received any mail concerning this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TX

Complaint narrative:
Avante XXXX showed up on my credit report today. I called and the said it was for a medical debt in Kansas. At the time this debt was owed, I was not living in Kansas, so there is no way that the debt is owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: Capital Accounts, LLC
State: GA

Complaint narrative:
I noticed a medical charge on my consumer report that I did not recognize so I proceeded with the following : XX/XX/XXXX - Notified the credit bureaus reporting this error via certified mail. ( XXXX  & XXXX  ) XX/XX/XXXX - Sent a notarized letter to the collection agency [ Capital Accounts ] requesting validation or evidence that this debt belonged to me, sent certified mail with a return receipt. 

XX/XX/XXXX - Capital Accounts received my letter. 

XX/XX/XXXX - 12 days after my medical investigation began, XXXX  reported the account as " verified '' on my consumer report. 

XX/XX/XXXX & XX/XX/XXXX - XXXX  reported Capital Accounts as " verified '' on my consumer report. 

Per the Fair Debt Collection Act, during a medical investigation, creditors/collection agencies can not take legal or other action to collect the disputed amount and related charges during the investigation. The creditor or collection agency may not threaten my credit rating, report me as delinquent, or accelerate my debt because I have used my FCBA rights. 

Capital Accounts, XXXX  XXXX, & XXXX  have all violated my rights. Capital Accounts failed to respond to the dispute and as of today, XX/XX/XXXX they still have not responded. Neither XXXX   nor XXXX, has sent verifiable documents as required in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) supporting this delinquent claim on my report. I requested proof from XXXX  on XX/XX/XXXX and XXXX  on XX/XX/XXXX. Both credit bureaus have failed to provide any evidence. 

The medical account in question, owned by Capital Accounts does not belong to me. I have requested proof and explanation of charges, neither of the ( 3 ) parties have provided it. 

Please remove this account from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: GA

Complaint narrative:
I noticed a medical charge on my consumer report that I did not recognize so I proceeded with the following : XX/XX/XXXX - Notified the credit bureaus reporting this error via certified mail. ( XXXX  & Experian ) XX/XX/XXXX - Sent a notarized letter to the collection agency [ XXXX XXXX  ] requesting validation or evidence that this debt belonged to me, sent certified mail with a return receipt. 

XX/XX/XXXX - XXXX XXXX  received my letter. 

XX/XX/XXXX - 12 days after my medical investigation began, Experian reported the account as " verified '' on my consumer report. 

XX/XX/XXXX & XX/XX/XXXX - XXXX  reported XXXX XXXX  as " verified '' on my consumer report. 

Per the Fair Debt Collection Act, during a medical investigation, creditors/collection agencies can not take legal or other action to collect the disputed amount and related charges during the investigation. The creditor or collection agency may not threaten my credit rating, report me as delinquent, or accelerate my debt because I have used my FCBA rights. 

XXXX XXXX, XXXX  XXXX, & Experian have all violated my rights. XXXX XXXX  failed to respond to the dispute and as of today, XX/XX/XXXX they still have not responded. Neither XXXX  nor Experian, has sent verifiable documents as required in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) supporting this delinquent claim on my report. I requested proof from Experian on XX/XX/XXXX and TransUnion on XX/XX/XXXX. Both credit bureaus have failed to provide any evidence. 

The medical account in question, owned by XXXX XXXX  does not belong to me. I have requested proof and explanation of charges, neither of the ( 3 ) parties have provided it. 

Please remove this account from my consumer report 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 2020-07-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
Company : Amerisave Mortgage Corp. 
Initial contact date : XX/XX/XXXX Cancelled Refi Process : XX/XX/XXXX Application Fee : {$500.00} which they took immediately Amerisave was supposed to refi my mortgage, but eventually would not take my calls or answer my emails. They initially had no problem taking the {$500.00} app fee ( non-refundable ) and getting my paperwork. After that, very limited communication and then no communication with the sales rep. He eventually emailed me to contact the Processor, who said she was not at my file, at a meeting, or not able to get me any information, week after week. This whole process went on for nine weeks. I finally cancelled on XX/XX/XXXX, and asked my sales rep for a refund of the app fee. He said he would ask his manager, and never got back with me. This company is back to its old bait and switch tactics, as it was in XXXX, Ive learned. They are a scam and just want your {$500.00}, then have nothing to do with you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: FL

Complaint narrative:
PayPal - negative {$3600.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$3600.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3600.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03 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: ID

Complaint narrative:
PayPal - negative {$7300.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$7300.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7300.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
P PayPal - negative {$10000.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$10000.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$10000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
PayPal - negative {$2300.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$2300.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$2300.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
PayPal - negative {$7400.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$7400.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7400.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express is not updating my information to credit bureaus. On XX/XX/2020, I was reported as having a balance of {$200.00} which is inaccurate. However, I do not have a balance and my card is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
PayPal - negative {$4200.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4200.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4200.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX is not updating my information to credit bureaus. On XX/XX/2020, I was reported as having a balance of {$200.00} which is inaccurate. However, I do not have a balance and my card is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
- negative {$4800.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4800.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4800.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
PayPal - negative {$7100.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$7100.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7100.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
This is not my debt.

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 2020-07-03 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:
XX/XX/2020 PayPal - negative {$8100.00} XX/XX/2020 Transfer P PayPal - negative {$8100.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$8100.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$8100.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I, am a American Express BLUEBIRD account holder paid a bill using their BILL PAY system on XX/XX/20. As of XX/XX/20, the recipient of that payment has not receive it. Now, I understand the closure associated with the COVID-19 virus, BUT, they should still be processing payments. They don't have the MEANS TO DO SO. Thank XXXX, I was able to pay my credit card using my personal banking account otherwise it would be a LATE PAYMENT MARK ON MY CREDIT AND I DON'T HAVE ANY. The thing is, this is not the first time this has happened. It is the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
PayPal -negative XXXX GBP XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal XXXX XXXX GBP ; PayPal XXXX Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: AL

Complaint narrative:
XX/XX/2019 PayPal - negative {$6500.00} XX/XX/2019 Transfer P PayPal - negative {$6500.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$6500.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$6500.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
On XX/XX/2020, i received an alert from my credit monitoring service regarding the company Receivables Performance taking action to collect an unknown debt owed. I was a victim on identity fraud in the past and have a current statement on all 3 credit agencies already. This company has refused to show proof or signature of any debt i owe to them. I have tried to dispute and reach out to them but they have been unwilling to provide any real proof of this debt to me. The amount they believe i currently owe is {$2300.00}. I have worked hard over the years to repair my credit from fraud, and refuse to let a company or debt collector tarnish my hard work. Please address the issue with said company and help me remove this fraudulent debt. Companies like this make it hard for people like myself to move forward in our financial and business endeavors. The address of the company is : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX is thier contact number.

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 2020-07-03 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: SC

Complaint narrative:
PayPal - negative {$3000.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$3000.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation