vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal Case Reference : XXXX This is my last hope. PayPal have decided to hold my funds against my will for 180 days and permanently limit/ close my account. I have asked them for a legitimate reason and they refuse to resolve this. 

I have provided every single piece of information regarding the transactions and how these funds were obtained. I am an XXXX seller and I provided receipts, as well as buyer feedback to show they were satisfied with the items sold to them. PayPal have just decided to take my funds for 180 days of XXXX. I was advised to contact this government website as you may be my last hope in trying to get through to them and get them to appeal this decision. 

I'm a XXXX XXXX XXXX XXXX this money is a lot to me and I need it to pay rent. It is completely obtained legitimately and this was already provided to PayPal as proof which I still have if you need to see. I have 100 % feedback on XXXX  and have never had any issues in the past! 

PayPal is refusing to overturn their decision and have stopped responding to me. 

I have almost lost all hope. 

Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Selene Holdings LLC
State: IL

Complaint narrative:
In XXXX  I was trying to do the loan modification with Selene finance. Instead of them doing the loan modification they switched me to a new loan servicing company. They have never fixed anything, I also requested them to fix this on my credit report. That I have a XXXX mortgage which is incorrect I've tried to contact them several times. To fix this and have had no results. They need to remove this from my consumer report, fix the modification. as of today, they are reporting negative information this has been going on for the last year and a half. I don't even have them currently doing business with XXXX. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville Collection Debt Agency called me and my husband repeatedly for about a month now. Harassing with 4 to 5 calls each a day. However today on XX/XX/2021 they called my mother and my husbands mother-in-law over {$300.00} that was owed. My mother immediately called me concerned. They should not be reaching out to my husband 's mother-in-law on his debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANCO POPULAR DE PUERTO RICO
State: MD

Complaint narrative:
My account went past due, due to issues with the mail. I called up to pay over the phone. I asked to pay the account off and to close the account. The lady told me the payoff amount which I paid, however the account couldn't be closed until the payment cleared. Which is not true for revolving credit lines, they can be closed with a balance. A few months later I opened a plain envelope to discover that I had a balance of several dollars. I called and they could not waive due to previous late fees waivers. I explained it was due to bank error and I am not responsible for a bank mistake. They had taken my payment as an account payoff. I asked for a return call from a supervisor since none was available. I never received one, nor did I receive one the next time I asked. I am trying to refinance my home and due to the impact of the delinquency on my credit card I did not qualify for the cheapest loan. I had to take one that is {$3000.00} more expensive in closing costs. The refinance can not close until this balance is gone. I called again today and paid the balance since they refuse to resolve the {$1.00} residual interest error that is now {$8.00} with more fees and interest. This is predatory and unacceptable practices. I would like the delinquency removed from my credit report and the {$8.00} refunded to me.

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 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
NORDSTM/TD XXXX OPENED : XX/XX/16 BALANCE : {$0.00} I am concerned with the validity and reliability within your current evaluation and the late payments needed for this account and exactly how it is reporting on my credit report. About 45 days ago I applied for an inspection considering the fact that I noticed the item seriously isn't being noted lately. To my big surprise, I have gotten a mail revealing that your assessment was completed and that the item had been " confirmed as exact. By Section 1681 ( g ) please be sure to provide me personally along with a summary of the approach accustomed to authenticate the account is " accurate '' and post me the name and addresses of persons emailed in every policy found in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
On XX/XX/20 I was looking for a car title loan. XXXX came up on my XXXX search. In fact they are the only one that did because these types of loans are illegal in Ohio. Since I found this out I've stopped paying and have asked for my title back. They are deceptive and operate using fake storefronts. They are threatening repossession. I spoke to XXXX XXXX XXXX and they claim they don't make these types of loans. They are listed as a lien holder on the title. Im at a loss as to what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: NC

Complaint narrative:
My student loans have been in forbearance prior to the pandemic, however XXXX  XXXX XXXX has been reporting that I have been 120 days late from the period of XX/XX/XXXX thru XX/XX/XXXX. I also went through a similar experience while I was unemployed with them also reporting that I was 120 days late in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My student loans have been in forbearance prior to the pandemic, however XXXX  XXXX XXXX has been reporting that I have been 120 days late from the period of XX/XX/XXXX thru XX/XX/XXXX. I also went through a similar experience while I was unemployed with them also reporting that I was 120 days late in 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 2021-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received a loan for XXXX $ XXXX did this at Check N Go but on line in the store. I have been paying them XXXX a month since the end of XXXX in 2020. So I have already paid back them XXXX they are telling me I still owe them XXXX. Come to find out they are charging me 175 % interest on this loan. I figure since they were taking XXXX a month I would be able to pay the loan off quickly. Yes I realize I should have read the fine print to see that interest rate was so high ( I only figured it would be no more than 30 % ). I called them they said they are within the legal limits? How can they get away with this? This is robbery! They are taking advantage of people who think they are in desperate situation. It is outrageous they can charge 175 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've been trying to remove fraudulent accounts from my credit report. The process seems simple enough for me to request an investigation and per LAW, the bureaus have 30 days to finish their investigations and remove accounts found to be fraud. Unfortunately, that's all on paper. Reality seems to be quite different since I'm going into over 200 days and the bureaus have not only not removed fraud accounts from my report, they haven't even started their investigations since I have received no such updates. This seems odd since XXXX tracking shows the bureaus have indeed received my multiple sets of letters and have yet to do anything. This is my final option before I turn to the legal system and sue for compensations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-02-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This serves as a follow-up to my previous complaint. I have also filed a report with the FTC XXXX reports attached ). 
In XX/XX/XXXX I opened an account with XXXX XXXX ( acct ending XXXX ). I never missed a payment. In XX/XX/XXXX I was notified by XXXX XXXX that my account had been charged off. Knowing that to be false, I asked them to produce proof. The account number ( acct ending in XXXX ) they provided me didnt match my account. They then told me that I opened a second account with them sometime in XXXX. I notified them that wasnt the case and asked them to produce something in writing showing that I asked for a second account. They were unable to do so. In XX/XX/XXXX I filed a formal challenge with Equifax XXXX please see attached ). They never investigated the case. I reached out to them again in XX/XX/XXXX to plead with them to finish the investigation they started in XXXX. Not only have they done nothing, but they also lowered my score just for challenging them ( please see attached ). The Fair Credit Reporting Act states that disputes must be completed within 30 days of the initial dispute. It has been over four months. In addition, Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, states that [ Equifax ] is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Equifax has done neither. In my initial complaint with the CFBP Equifax accused me of using a 3rd party to file this complaint. This shows their contempt for the investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My account ending in XXXX ( Chase United Card  ) was closed on XX/XX/2021 due to my credit which has dipped due to the COVID-19 pandemic and XXXX XXXX being closed. 

I have had an impeccable reputation with Chase including my Chase Checking and Credit Card accounts. My Chase card has never had a returned nor late payment in past two year or so. My card was always paid on time. If not half the balance was normally paid off, the full balance was paid off. 

I called XXXXXXXX XXXX and they advised me that my account was closed due to credit review and there was no chance of reinstatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I'm an XXXX XXXX service members stationed in Virginia who leased a vehicle through Kia motors. I provided proof of XXXX XXXX status at the time of purchase but was billed incorrectly by Kia motors some months later due to the fact that Kia motors was incorrectly applying a county tax law to my lease. I spoke with Kia motors numerous times and even sent Kia motors the actual county law, proof of XXXX XXXX ID card as well as my XXXX XXXX orders that showed me stationed in Virginia, but not as a resident. Kia motors failed to act on this information and even failed to address this with the local tax office ; which eventually led me to speak directly with my local tax office. On XX/XX/2021, the local tax office, XXXX XXXX XXXX ( XXXX ), VA awarded me a refund of those taxes and returned the amount back to Kia Motors Finance. On XX/XX/2021, I received a call from Kia motors collections, demanding that I pay a past due amount that was related to those exact taxes that were incorrectly taken. I asked to speak to their managers on two separate occasion and at both times were informed that no one was available and that they would return my call, which never happened.

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 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I made a mobile deposit to my personal checking account on XXXX at approximately XXXX. I was advised via the mobile app notification that my funds would be available XXXX at XXXX. I noticed when checking my account that did not take place. I called the bank XXXX and was advised the funds were being held for verification and would be available on XXXX. I called the bank to be told that the hold was not released. I filed a complaint and was contacted by bank given yet another time frame as to when my check deposited on XXXX would be available. This new date was XXXX making that the XXXX business day since the deposit was made. In addition, the compliant and grievance case manger suggested I take my check to another bank let them cash it and PNC will deduct the funds from my account since they already where expected them. He was no willing to assist in a professional manner, he repeatedly raised his voice and over spoke me. He failed horribly in resolving the issue, he truly escalated my complaint, leaving to seek other actions. I went as far as identify to him where the company failed to provided proper notification of the issue or reason for the delay, without my first calling with the complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2021, I contacted the company about the closing of my Discover It secured account. I wanted to know why my security deposit had not been returned to me since according to my statement on XX/XX/2021, my account has been closed as requested by me. Also, by XX/XX/2021, all 3 major credit bureaus also updated and reported the account as closed. By XX/XX/XXXX, I had received a check for XXXX cent for the remaining cash rewards balance. I was given the general response about the return of the security deposit. I explained to the CSR that this card had been reported as closed on my statement and the credit bureaus, but their system still has it listed as active because they have yet to send back my security deposit. I also told her that " It may take '' is not a definitive timeframe and leaves a lot of room for the company to essentially not return my security deposit in a timely manner. I owed no other interest and no other charges had been made. The account was paid in full prior to me requesting closure. I also told her that the company had no legitimate, legal reason to continue to hold my security deposit. I was supposedly transferred to a manager and given the same generic response. Essentially, the both of them were telling me that because they put that general statement in their policy, they had the right to hold my security deposit until that timeframe and nothing I say would change that. They believe that in stating in their policy " it may take '', rather than " it will take '' this or that amount time, it gives them the right to refuse to return my security deposit until they feel like it, not exceeding the 2nd statement & 10 additional days timeframe. This is a direct and clear violation of my consumer rights because they have no other legal or business reasons to not return the deposit at this point. This just can not be legal, and if it is, I implore you to look deeper into it because it is a totally violation. I have exhausted all other means to have them close out my account, in its entirety, in their system and return my deposit to no avail. This just is not right! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: MI

Complaint narrative:
I was selling items on XXXX which the payments were processed through PayPal. Upon the completion of the sales, I purchase the shipping label from XXXX and send the items out to the customer. Some of the items were digital items so there was no tracking number as these were sent to the customer through XXXX 's messaging system. Upon making several sales in a few days, PayPal locked my account and asked for more information about what the money that was incoming was for. I provided descriptions of the items sold, showed proof of receipt of me obtaining said items, and provided photo identification of myself. After providing this information, PayPal locked my account and said they are going to hold my money for 6 months. This is very unfair for them to lock my money up for such a long period of time for items that I have shown that I obtained and proof that the item was delivered to the customer. 

Items that have been delivered and confirmed by the shipping information, are still locked and I am unable to access my money. This puts me out of the funds for 6 months on items that I already paid for and I will now be unable to use that money for bills that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with Experian for years now ( XXXXXXXX XXXX  account # XXXX ; XXXX XXXXXXXX XXXX XXXX  account # XXXX ; XXXX XXXX XXXX acct # XXXX ) I have sent numerous letters asking for these accounts be investigated and if verified show proof of their right to post those accounts on my credit reports ( my last letter was report # XXXX on XX/XX/20. ) I have showed indisputable proof from the IRS and Social Security Office that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information and its what the law says they must do. Experian continues to violate my rights as a consumer to have an accurate credit file, and must show proof that they have the right to have these fraudulent accounts on my credit reports.

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