vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-13 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
State: CA

Complaint narrative:
Hello Dear CFPB I am writing to ask please assist me to reopen my paypal account which is registered under : XXXXXXXXXXXX. I opened account with paypal with all terms and conditions. One day i got email verify my identity and explaining what transaction i was doing. I said i listed used items on XXXX and sold it there, since i do not accept cash buyer wanted to pay me with credit card and i had no chose to offer him pay by paypal. I accepted money and as all normal people disburs to myself in my checking account. After couple days i got this message. 



You ca n't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 
Reference ID : XXXX I have done nothing wrong and i feel its unfair to close my account for only reason i accepted payment. Please assist me to reopen and have paypal account because they are largest in the market and if i do not have it i can not even sell anything in XXXX they are monopoly in XXXX i have no choice. I think its not ok to not give option to your clients. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
My XXXX report shows a joint credit card on my file as having a balance of over XXXX and late when not only is that account closed but the balance is {$0.00}. This error is causing my debt to credit ratio to be extremely high and is negatively impacting my credit. Additionally, this shows as a 30 day late when this is not accurate as NO bills were sent to me after moving and with USAA locking me out the account i had no way to determine the status of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital One sent me mail to apply for a credit card and get an Express Answer. After applying I got no answer except for a notice saying I would get more mail in weeks. I got a hard inquiry on my credit and no answer. 

I have all the paperwork and I am going to hire an attorney and file a formal complaint in court. 

This is misleading to say the least and is malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My Exquifax report shows a joint credit card on my file as having a balance of over XXXX and late when not only is that account closed but the balance is {$0.00}. This error is causing my debt to credit ratio to be extremely high and is negatively impacting my credit. Additionally, this shows as a 30 day late when this is not accurate as NO bills were sent to me after moving and with XXXX locking me out the account i had no way to determine the status of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: First Associates Loan Servicing LLC
State: MI

Complaint narrative:
I HAVE A PRIVATE LOAN FROM XXXX XXXX. THE COMPANY ( XXXX XXXX ) PUT ME ON A REPAYMENT PLAN AFTER GRADUATION FOR $ XXXX MONTH BASED ON MY INCOME. I WAS ALLOWING AUTO DEBIT PAYMENTS FOR THIS $ XXXXMONTH FOR THE FIRST YEAR. AT THE END OF THAT YEAR THE PAYMENTS CEASED AND THEY INFORMED ME I HAD " BACK '' PAYMENTS I HAD NO KNOWLEDGE OF. THESE " BACK '' PAYMENTS EXCEEDED {$5000.00}! ON TOP OF MY NEW LOAN AMOUNT OF $ XXXX THAT WAS ORIGINALLY TOLD TO ME TO BE $ XXXX. 
I NOW HAVE TO PAY THE $ XXXX IMMEDIATELY AS THEY HAVE ALREADY REPORTED NEGATIVELY TO MY CREDIT BUREAU. 
AS MANY OTHERS WHO HAVE ATTENDED XXXX XXXX I AM STRUGGLING TO REPAY ALL OF THESE LOANS AS MY DEGREE IS CONSIDERED BY EMPLOYERS TO BE " WORTHLESS ''. 
I DO NOT UNDERSTAND HOW THEY CAN CHARGE " BACK '' FEE 'S ME FOR HAVING A REPAYMENT PLAN THEY SET UP FOR ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In checking my credit reports, I noticed that my student loan had doubled the amount owed from Navient formally known as XXXX XXXX. They are claiming that I owe them XXXX for my XXXX education. I am in disagreeance with them regarding this amount. The amount previous shown was XXXX it has now doubled. I am requesting proof. It also indicates that this loan is 91 % paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
XXXX/XXXX/XXXX td bank said they were blocking XXXX I spoke to a supervisor and this is what he told me, this seems unfair as I think all financial institutes should offer fair services, also I had used this bank before to deposit crypto funds with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My issue was n't resolved at all nor address in transunion response. Inquiries were not part my 4 letter dispute process to the credit bureau ; But the aligned students loan debt that XXXX and all credit bureaus have failed to provided me a promissory note or credits accumulated proving that i used this aligned for educational purposes. 

I started asking for a copy of my Promissory Note with my original signature on it since XX/XX/XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XX/XX/XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XX/XX/XXXX & XX/XX/XXXX transunion & XXXX was sent via certified mail XXXX online dispute portal, XX/XX/XXXX all was sent certified mail, and the 4th and final letter was sent XX/XX/XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.

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 2018-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/XXXX I traded in my XX/XX/XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. I paid USXXXX as a down payment .XXXX contacted XXXX XXXX XXXX and got the paid off information and based on that the gave me the new deal. The US XXXX should cover the remaining payments. In XX/XX/XXXX I received a notice dated XX/XX/XXXX trying to collect US XXXX when I called XXXX XXXX XXXX they told me that they have nothing to do with that and if I font pay the will send my account to collections. I explained that I made a deal with a dealership that belong to them and that they should contact the dealership. They did n't care. I called the dealership several times and have not get a response from them yet. 
Today I received a notification that this account is in collections dropping my credit score to XXXX. This is the 4th vehicle I get from this dealership and I have nothing to do with the communication between the dealer and XXXX XXXX XXXX when they call to get payoff information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax refuses to remove these fraudulent accounts with these horrible collection agencies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, off of my credit report. Ive notified Equifax multiple times those accounts are not mine. My information was stolen and used to open those accounts without my permission. Ive reported the same information to XXXX and they did their job and removed those fraudulent accounts off of my credit report. That 's real, true customer service with honor! I demand Equifax remove those accounts from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I called transunion to file a dispute on account XXXX via phone on XX/XX/XXXX ; due to my inability to do so through transunion online dispute portal. I have been unable to file a dispute online for a few months now. I told the call representative about the problem and she asked a few security questions and told me i should be able to file online from this point on. However, i have went online today XX/XX/XXXX and still unable to file a dispute.

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 2018-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I ordered my credit score through experian. In order to get the credit score, they make you enroll in the monthly membership for $ XXXX/Month. I only wanted my initial score. They said you could cancel at any time by calling the XXXX number. They will not transfer me to memberships and I have been on hold now for 29 minutes.

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 2018-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc.
State: IL

Complaint narrative:
They call everyday since XXXX/XXXX/17 5 or 6 times a day. I have asked them not to call me or automatically take money from the that i did not set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
I found out 10 days ago on XX/XX/XXXX that my funds on XXXX were frozen ( I tried to withdraw and could n't, they never gave me any other notice ). The message said enhanced security had been enabled because of my accounts value and that I should contact XXXX to re-enable withdrawals. I emailed them as instructed. It 's been 10 days and other than an initial automated response I 've had no responses. My follow up emails have gone unanswered as well. 

The account is currently worth XXXX ( XXXX ether ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Early last year, I got behind on the personal loan I had with Regions. I have made multiple payment over the past few months to get caught up. I spoke with one of their reps who told I me that I owed {$340.00} when my account stated I owed {$100.00}. When I stated that the amount owed was wrong, the rep explained that the difference was from late charges and that they show on the statement. I told the rep that I have never saw these late fees before and that none of the previous reps that called when I was late never stated that amount, just the what was owed on the loan. Also I stated that I never received any statements and that I only used and opted in for online access only. I asked for the rep to send me the paper statement so I could see the charges. I was charged {$35.00} late fee even in months I made payments. I now have three times as much in late fees than what is owed on the loan. I spoke with a customer service supervisor about the situation who stated that they could only remove one of the {$35.00} fees. I understand a late fee but owing three times as much in late fees is ridiculous and unreasonable on top of being charged interest.

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 2018-01-14 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: NY

Complaint narrative:
Experian has been contacted more than the allowed times on a agency called municipal credit union. This account has never been verified in writing with proof to me as requested from Experian showing that I have any account. Negative or positive. Experian always says verified with no proof. Experian has also placed three names on my credit report and one name is not mines following any government i.d . the company is dishonest

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
A payoff amount was submitted to XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX according to the total amount on the statement. SunTrust Mortgage has refused the payment twice. Another check was sent on XX/XX/XXXX, which was an official check from my banking establishment. XXXX XXXX XXXX XXXX has n't responded to my request at this time. See attached documents.

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 2018-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
It would n't let me use the app with my banking information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
I am submitting my complaint formally to resolve a situation that has been mortifying my emotional and financial stability for years, affecting my credit with incorrect information and preventing me from growing financially. Despite trying to solve it through the Credit Bureaus Dispute on multiple occasions, I have not been able to achieve it. The company XXXX XXXX reported in my credit report allegedly Late Payments from XXXX XXXX to XXXX XXXX ( see image XXXX ). These alleged Late Payments appearing on this closed XXXX XXXX account belong to a loan that was transferred to Navient in XXXX. 

The late payments that XXXX XXXX reported on my Credit Report for the last time on XXXX XXXX, XXXX, ARE INCORRECT and should not appear on my credit. I have never had late payments since by the time they accuse me of not having paid I was attending school. I contacted the company XXXX XXXX and they told me that no information of mine appears in any of their systems, however in the disputes that I submitted through the Credit Bureau their response has been that they will not make any changes. I do not understand as if they do not have information of mine in any of their systems, they continue to deny me the elimination of incorrect information in my report. 

Attached you can find official evidence extracted from my XXXX  Credit Report. Note in the image called " XXXX '' that XXXX XXXX reports late loan payments on the dates in which Navient was already positively reporting the same payments as it was deferred for attending the school. Additional see the document entitled " XXXX '' and " '' XXXX '' of the XXXX XXXX XXXX XXXX, University in which I completed my studies. The document is an official certification that I was attending school in the months in which XXXX XXXX reports to my credit the supposed Late Payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I opened a Wells Fargo credit card with 0 % for 15 months. I initiated a balance transfer of {$5000.00} dollars from my new credit card to XXXX XXXX XXXX sky miles card. It never posted to XXXX XXXX and I 'm being charged interest every month! XXXX XXXX claims they never received the money, Wells Fargo claims they sent the money at the beginning of XXXX. Wells Fargo ca n't provide me with any transaction info I if they actually sent it, where they sent it, or anything else. In this day and age, it ca n't be possible that transactions are n't easily traceable. This is absolutely ridiculous. I 've contacted both institutions multiple times, I 'm basically being robbed of money in interest.

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 2018-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: COMMERCE BANK
State: IL

Complaint narrative:
In XX/XX/XXXX I did not get a bill from Commerce bank and they put a negative remark on my credit history as missed payment. I have been making payment to them and even told their representative about not getting the bill but they did not pay attention to it and they even closed my account. I have paid the balance down since XX/XX/XXXX from XXXX to XXXX as of now. After they closed my account and put a derogatory remark on my credit report i have been denied credit by other credit card company to even increase my credit line so that i can start a new business. I am going through a hard time as a result of this action of Commerce bank without my knowledge and inspite of them putting my wrong SSN in their system which again gives me hard time to get to right person in timely manner through their automated system. 
I need this negative remarked moved from my credit history and this credit card reopened. I am willing to pay it off in next 60 days. Please help me I have a family to feed and I have been a very responsible person to pay down the credit card and this is really irresponsive of Commerce bank to do this to me without even notifying me and giving me enough time to fix the problem even though the problem did not happen because of my actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX, I paid off a card that I had gotten from the retail store. They added an extra fee to the account after I had paid the account. I called and spoke to a representative and they stated the fee would be removed. However, the fee remained. I called back again and the second representative removed the balance. It is also showing that there is a period where I missed a payment XX/XX/XXXX when that is not the case. I have called and spoken to two representatives so far.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief