vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Hello, My name is XXXX XXXX, thank you for taking the time out of your day to read my complaint. Ever since I turned XXXX  years of age I have tried to make paypal account but every time I make it the account gets permanently closed. I have done nothing wrong along with the fact that I just turned 18 a lifetime ban from paypal is just not something I want because it's such a wonderful platform that I've patiently waited to use. I think that my parents had been banned before for something they did on XXXX and maybe the Address gets linked or something but I quite literally haven't ever had a paypal account before I turned XXXX. I tried using my main email XXXX and just about one day later the account got locked for permenant. Please review this I shouldn't suffer a lifetime ban from paypal for something I wasn't responsible for. I live with my parents but I am still a human being and their actions shouldn't reflect mine. I am responsible financially and have 3 credit cards. I would love to use paypal. Your assistance would be greatly appreciated in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: IL

Complaint narrative:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen there was inquiries on my report that I did not authorize causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX from Pennsylvania from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and 8 inquiries I didn't authorize its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times.transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a notice on a credit monitoring site that Capital One has closed my Credit Card Accounts without even contacting me and will not explain to me their reasons. I have NEVER been late with my payments on these or other accts on my credit reports. This is very unfortunate and disturbing that an organization that seems to have such a good reputation would do something close my accounts ( even though I have Excellent Credit and Credit Scores ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX I was incarcerated for six months there was an a money wire turn on my account I get direct deposit from Social Security so when I got out I was only out for two months XX/XX/XXXX I was back incarcerated XXXX XXXX to XXXX XXXX I got out in XX/XX/XXXX from back there I was told that my account was overdrawn which shouldnt have been overdrawn because once again I had Social Security check XXXX was charged and XXXX was charged when it was a free trial XXXX I authorize XXXX XXXX to go check my account I have documentation of me being incarcerated and Im suffering right now from XXXX XXXX  condition so I was very overwhelmed of the fact that I was missing funds back in XXXX from a money transfer that was an authorize so I found my documents I called the bank and theyre going to tell me that I wasnt able to receive my funds when it is there a liability policy of missing funds of fraud so Ive been trying to call for the last two days to get in contact with them we let them know that I sent them the affidavit and also documentations of me being incarcerated so I had no knowing of what was going on with my account thats where I receive my Social Security income so now I want it to see if I can be reimbursed on my income that I have to spend to put a roof over my head

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with overdraft — Overdraft charges
Company: Incomm Holdings Inc.
State: HI

Complaint narrative:
On XX/XX/2021 scammer told me purchase gift card in the amount of XXXX to cover one time loan fee I was told through them then my loan could be processed as soon as I sent them the XXXX vanilla gift card picture they weren't ever heard of no answers nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I AM XXXX AND HAVE DIFFICULTY NAVIGATING WEBSITES AND COMMUNICATING VERBALLY OVER THE TELEPHONE. THIS DEBT WAS INCURRED WHEN I WAS IN AN ABUSIVE RELATIONSHIP AND ESCAPED. I DID NOT REALIZE HE HAD NOT PAID THE BILLS THAT WERE IN MY NAME. AFTER I LEFT, I CONTRACTED XXXX AND LOST MY JOB. AS SOON AS I WAS ABLE TO WORK AGAIN, I IMMEDIATELY PAID MY PAST DUE AMOUNT IN FULL TO XXXX XXXXXXXX XXXX, ONCE I LEARNED IT WAS UNPAID. I CAN FURNISH THE REDEEMED CHECK FOR THE FULL AMOUNT DUE. WHEN I CONTACTED XXXX  XXXX XXXX, THEY TOLD ME THE RECORD WOULD BE DELETED ENTIRELY ONCE I PAID MY BALANCE IN FULL, WHICH I DID. NOW, EVEN THOUGH I HAVE PAID THE BALANCE IN FULL, THEY REFUSE TO MARK TO DELETE IT AS PROMISED, AND EVEN REFUSE TO MARK THE ACCOUNT AS PAID, KEEPING IT OPEN FAR BEYOND REPAYMENT. THEY LIED ABOUT DELETING AND THEY ARE LYING ABOUT THE PAYMENT STATUS. I APPEALED TO EXPERIAN AND WAS DENIED. I DEMAND EXPLANATION HOW I CAN HAVE PAID EVERYTHING OFF ENTIRELY AND STILL BE IN UNPAID STATUS. I AM WILLING TO PROVIDE COPIES OF A CURRENT PROTECTIVE ORDER AND MEDICAL RECORDS AFFIRMING MY DIAGNOSES OF XXXX AND XXXX. IF YOU HAVE ANY QUESTIONS OR WOULD LIKE THE MENTIONED DOCUMENTS, YOU MAY MAKE CONTACT BY ANY METHOD YOU WOULD LIKE AND LEAVE A DETAILED MESSAGE, AND MY COUSIN WILL HELP ME RESPOND TO YOU APPROPRIATELY. THANK YOU FOR YOUR TIME AND KINDNESS. I HAVE ALREADY CONTACTED THE COLLECTIONS AGENCY, XXXX XXXX WITHOUT ANY RESPONSE WHATSOEVER. EVERY OTHER UTILITY INVOLVED HAS SO FAR DELETED THEIR RECORD, AND I BEGGED THEM TO DO THE SAME. THANK YOU AGAIN FOR YOUR KINDNESS AND MERCY IN ADVANCE. WHILE I CAN NOT PROVIDE PROOF THEY PROMISED DELETION, I DEMAND THEY PROVIDE A REASON WHY THIS SHOULD STILL BE LISTED AS UNPAID WITH A {$0.00} BALANCE. I VIEW THIS AS AN ATTEMPT TO EXPLOIT MY XXXX AND I WOULD LIKE TO KNOW HOW I CAN ATTAIN JUSTICE FOR THIS. WHEN I TALKED TO THEM ON THE PHONE THEY SAID THEY RECORDED IT, SO THEY SHOULD BE ABLE TO PRODUCE THE RECORDING AND PROVE THEY DIDN'T PROMISE TO DELETE THIS. FURTHERMORE, I HAVE AN EMAIL FROM THE ORIGINAL CREDITOR SAYING IT IS PAID IN FULL AND CLOSED.

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 2021-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION

Complaint narrative:
I have made a fund transfer from my XXXX XXXX  ( XXXX ) account to my XXXX  wallet, by using XXXX / Xoom transfer service. on XXXX with amount XXXX. 

It was actually done by accident. My idea was to transfer the fund from my XXXX  wallet to XXXX. However, when i did the transaction, the fund was withdrawn from my XXXX XXXX  account, and transfer to XXXX. 
i.e. with this case - Fund was withdrawn from my XXXX XXXX  account - It was transferred to my XXXX account with XXXX / Xoom as a transfer agent I was later informed by XXXX  that fund deposit from XXXX  / xoom is not supported, and they have subsequently issued me a refund. ( refunded with Faster Payment ID XXXX ) This refund was never returned to my bank account or XXXX  wallet. XXXX  has already confirmed that the refund has been issued by quoting the payment ID. 

I have tried to contact XXXX  / xoom support and hoping to indentify where this refund has gone to. 

However, after over 10+ rounds of communication with XXXX  / xoom account, they are still insisting there is nothing they can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
I requested my transaction statement, after sending a payment for my escrow because my mortgage balance had not changed after the payment. In fact, my mortgage has not changed since I purchased my home in 2008. Where is my funds and where has my past payments been applied to? I have a conventional loan with no interest only loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX There were seven charges made to my Chase XXXX  credit card ( Name XXXX XXXX XXXX ) totaling {$1400.00}. The transactions are listed below and I will attached the statement listing them. I did not make these transactions. On the afternoon the transactions happened I got a message on my phone that there was suspicious activity on my account and I called Chase XXXX credit card services immediately and told them these charges were not me and to cancel the card, which they did. Chase XXXX removed the charges from my account and then placed them back on my account at the end of XXXX. I have called several times since and no one will tell me why they think these are valid charges and what they discovered in the investigation and they refuse to reconsider the investigation unless I can provide additional information. Because it was fraud and I did not make the charges I do not have any additional information to provide. 

XX/XX/XXXX XXXX XXXX MA {$200.00} XX/XX/XXXX XXXX XXXX MA {$100.00} XX/XX/XXXX XXXX XXXX XXXX MA {$200.00} XX/XX/XXXX XXXX XXXX XXXX MA {$200.00} XX/XX/XXXX XXXX XXXX MA {$310.00} XX/XX/XXXX XXXX XXXX XXXX MA {$200.00} XX/XX/XXXX XXXX XXXX XXXX MA {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only Most High of creation and I depose the following facts, so be it, now present : Fact, 15 US CODE 1692 says It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. " Fact, Affiant is aware that CAVALRY is in violation of 15 USC 1692g Validation of Debts and has been unable to provide information regarding the original creditor and instead lists the original institution. XXXXavalry is also in violation of 15 U.S. Code 1692e-False or misleading representations and 15 U.S. Code 1692j - Furnishing certain deceptive forms by requesting payment for an alleged debt in a positive status as evidenced in the submitted documentation.

Additionally CAVALRY is in violation of 15 U.S. Code 1692b - Acquisition of location information by stating that a debt is owed. 

Pursuant to 15 U.S. Code 1692k - Civil liability which states ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or, CAVALRY is liable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
On XX/XX/XXXX, I opened an auto loan with Credit Acceptance. I agreed to pay this loan through automatic withdrawal with my bank XXXX XXXX Checking Acct ending in # XXXX for the amount of {$410.00} that was always consistently deducted on the XXXX of each without any issues or problems until I called this company on XXXX XXXX to inquire about why my account was showing up as past due on my billing statement and in all 3 Credit Bureaus. This company confirmed that I was enrolled in the " automatic deduction program '' from my bank and informed me that it was a mistake/oversight on their part. The company updated my credit report in XX/XX/XXXX with confirming that auto loan was being paid on time and in good standing but they never went back in my credit report to delete the following inaccurate information that started back in XX/XX/XXXX : My credit report showed 30days past due during XX/XX/XXXX - XX/XX/XXXX ; 90days past due in XX/XX/XXXX ; XXXX past due during XX/XX/XXXX - XX/XX/XXXX ; XXXX past due in XX/XX/XXXX and 30days past due in XX/XX/XXXX. Please note that all of the above information is inaccurate and inconsistent with the fact that I had automatic withdrawal.

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 2021-10-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
I requested my transaction statement, after sending a payment for my escrow because my mortgage balance had not changed after the payment. In fact, my mortgage has not changed since I purchased my home in 2008. Where is my funds and where has my past payments been applied to? I have a conventional loan with no interest only loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I have called and attempted to get the problem resolved apparently my monthly payment for XXXX was received and deposited for {$700.00} on the XXXX of XXXX which the Customer Service representative noted on their computer. The payment was due on the XXXX of each month but in XXXX I had reached out to Lending Club and requested that the due date should be changed to the XXXX of each month which they were acceptable of this new due date. I keep receiving emails letting me know that my XXXX payment has not been received. Their payment history also has the payment recorded as being received but yet I keep receiving late payment notifications. My loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This company ASSETCARE LLC is in direct violation of the Fair Debt Collections Practices Act. In my opinion they have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of these violations. 
In XX/XX/2021, I sent by certified mail receipt number : via usps # XXXX, a request for ASSETCARE LLC to provide me with proof and evidence of the debt alleged I owed, and I did so within 30 days of receiving ASSETCARE LLC first notice on XX/XX/2021. In that same letter I also included my cease and desist instructions. 
After verified delivery of my letter via your office by certified electronic delivery at XXXX on XX/XX/2021, ASSETCARE LLC proceeded to report this unverified account to XXXX Credit Bureau impacting my credit score by a loss of 27 points on XX/XX/2021 screen shot included then ASSETCARE LLC mailed a simple bill dated XX/XX/2021 which is NOT considered a " validation of debt '' by any means. Then ASSETCARE LLC proceeded to contact me by mail XX/XX/2021 with another document claimed statement of account which in quote stated an itemization of medical services we obtained from the medical provider is also enclosed as a courtesy, which reflects a balance of {$0.00} even after the delivery and acceptance of my certified letter on XX/XX/2021. I sent yet another certified letter requesting proof of this account or debt, signed contract with my signature on it, agreement to share my medical records if so with multiple contacts as stated in their communication of at least 3 companies that I am unaware of having any dealings with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Account holder has not deleted off all credit reports like agreed. Account is closed in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I received a letter from a company called Citizens One. 
I never heard of them I never did business with them and they are claiming that I missed my I phone payment. 

It looks like a collection agency letter but I am not sure, they are claiming that they are going to inform credit bureau that I am 30 days late. 

To me this looks like fraud and I wish that you look into this fraudulent letter and company because they may be causing others the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC BANK keeps playing hard-ball with a refund owed to me. PNC BANK had me submit over 3 times a dispute against XXXX TV Screaming TO THEN BLOCK MY DEBIT CARD WHEN THE VENDOR ~ XXXX TV ATTEMPTED TO REFUND ME {$130.00}. FURTHERMORE, On XX/XX/2021 at XXXX XXXX  ( REFERENCE CONFIRMATION CALL # XXXX ) a lady by the name of XXXX, OF THE XXXX LOYALTY DEPT., ATTEMPTED TO REFUND MY REFUND AND SHE TOLD ME SINCE XX/XX/2021 & PRIOR THEY TRIED TO REFUND ME FOR ALL THE GLITCHES WITH STREAMING TV, BUT PNC HAS HAD THE PLEASURE TO BLOCK MY REFUND. PNC ACTS LIKE THE MONEY IS COMING OUT OF THEIR VAULT. XXXX TV HANDS ARE TIED REFUNDING ME SINCE BEING BANK IS BEING UNETHICAL & UNPROFESSIONAL WITH THEIR LAME EXCUSES THAT THEY ARE IN THE RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
What Happened? 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay 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