vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I received a notice from Aldridge Pitt Hann LLP in XXXX stating I owe {$3100.00} on a XXXX  XXXX XXXX  card. I made a payment in XXXX, XXXX, and XXXX. On XXXX I received a letter dated XX/XX/XXXX telling me I had 30 days to respond. On XX/XX/XXXX, ( not even 30 days later ) the firm did an initial filing for a wage garnishment for the full {$3100.00}. I only owe {$2800.00} at this point. I filed this complaint because I don't know if the company can take me to court if I am already making payments to them. A former employee of theirs left a XXXX review stating the firm has unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: NJ

Complaint narrative:
My PayPal account was permanently limited recently. PayPal just emailed me You can no longer do business with PayPal Reference ID : XXXX without any explanation. In the first time, I asked for help in PayPal account. For sure, they just said sorry without any explanation, even though any chance to explain. 
I tried to recall what happened and searched all keywords about PayPal Limitation Meanwhile, Ive kept trying to contact PayPal customer service 56 times. They told me surely I had highly risk suspicion to deceive and theres no way to restore my account. They didnt tell me which policy I disobeyed. They told me i will able access to withdraw my money after 180 days. 
I checked in my PayPal the only transaction was by {$10000.00} in XX/XX/XXXX of 2020. 

For along time I was working for a company in Arizona but I m from NJ. 
That company provided good benefit and after covid19 came I lost my job. 
I was thinking about the best place to put my money and try to made a business. 
My friend recommend to me use PayPal because is Safe for everything but after I received my money my experience has been really bad. 
I dreamed with start my business with this company But i m really feel hurt. 


In the las year I had hard time for resolve all my financial problem because after wait 6 month and i try to withdraw my money I couldn't. 

I have a family. my wife with XXXX pretty kids. The life here is expensive. 
My question is, is PayPal thinking about family support when they hold the money for 180 days? 
In XX/XX/XXXX, XXXX when I received the email for withdraw funds, I try many attempts but all time was failure. 
Right now is almost 9 months and my PayPal Account don't have any dispute or Chargeback. If I tried take out my money 3 months ago why they didn't help me if I made the request to that department?. That why one of PayPal agent made me a request to Backoffice department to help me made a Manual Withdraw in my account with specify all detail, but the request never was responded by that department. Instead the system put another limited for 180 days.

Now they said another limitation for 180 more days. That is really crazy how that system work and made the policy of company contradiction. 
That why I feel really frustrate when nobody want help me. I need support with my family and my babies, they are not wait XXXX  for eat milk, bread, eggs, Need paid School, get gas, etc., Medical bills.

I pray to get somebody want help me with my case. 
My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2021, I went to a Bank of America Branch to wire money to an Auction I bought an item from.The amount involved is XXXX XXXX XXXX and XXXX XXXX Dollars ( {$25000.00} ). The Auctioneer gave me detailed instruction on the transfer because it involved a Beneficiary Bank and an Intermediary Bank. The Associate at the store did everything right and I signed off before the transfer. However, when it got to the wire department, they sent the money to a different intermediary bank.I waited a day after ( XX/XX/2021 ) the transfer to see if it had posted. I called the beneficiary, Auctioneer, who told me he hadn't.I then called Bank of America again and they told me to wait. Because I needed the wire to post within a day, I paid for overnight wire fee. On day 4 after the wire had not posted, I arranged a 3-way call with a Representative from the beneficiary financial institution, myself and someone from Bank of Amerca 's wire department. It was during this 3-way call that it was revealed the money had been sent to XXXX XXXX, as the intermediary financial institution. XXXX XXXX  was never part of the transaction so it was a surprise to both myself and the rep from the beneficiary bank. So I decided to place a recall of the wire right away.. This was on XX/XX/2021. Since then, Bank of America has given me the run a round giving me so many excuses for not giving me my money back, from 'We have sent the request, to the other bank has acknowledged it but it's up to them when they return the money. In the mean time, I had to borrow to complete the payment for the item I purchased. I have tried at every call to let them know the financial distress I'm in because of the delay in getting my money back. Every time, I get told the same thing, that it's up to the other Bank when I get my money back. This is causing me a lot of distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MA

Complaint narrative:
XX/XX/2021 Phoenix Financial Services reported a debt to the credit bureaus under their own name in violation of MA General Laws 209 CMR 18.17 : Unfair Practices ( 11 ) a debt collector to report to a consumer reporting agency ... in the debt collectors name.

They failed to inform me they had purchased the alleged debt or give me notice as my rights under federal and state laws in violation of the FDCPA and FCRA.

After discovering their reporting I sent them a 93A Demand notice and Validation of Debt request ; informing them of their illegal attempts to collect a debt not owed. 

They replied to this demand with the statement " the account information we provided is accurate ''. 

They failed to provide any documentation to validate their claim of a past due debt, they failed to provide any ownership of the account and they failed to remove their listing from my credit report. 

I sent a second 93A Demand informing them of their continued illegal activities and failure to provide any validation of their claim. Under MA General laws they were required to remove their listing and cease all collection attempts. 

They replied to this second notice with an invoice demanding payment due on this fraudulent account. 

I sent a third notice via certified mail XXXX of 2021. They have failed to reply whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Transworld Systems , Inc. is attempting to collect a medical bill that I paid months ago. I offered to forward them the receipt that was emailed to me when I paid the bill, but they said they wouldn't accept that and would only accept a fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
This is the Citibank repeatedly calling me multiple times a day regarding my Home Depot account. I have had ongoing issues for approximately a year now with them not getting my statements to me either via paper mail or online. I have spent countless phone calls and emails trying to correct the situation but they do not have their act together on their end. I therefore have informed them to stop calling me and also that I will not be shopping Home Depot any longer.

The calls continue on a daily basis even on weekends and Sundays.

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 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX  XXXX  reported the inquiry this morning that was made SUNDAY XX/XX/2021. No authorization was given to run credit. Nor was anything applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Ally Financial reported delinquency on a car that was a total loss with gap insurance three times in XXXX of 2020 same loan & debt, was reported 3 times in single month XX/XX/2020 XX/XX/2020 XX/XX/2020 I have attempted to no success to resolve with Ally for months following the accident & total loss of vehicle. The vehicle was sent to write off following unsuccessful dispute resolution. The reporting of delinquency 3 times in month drop my credit substantially as when they additionally turned the remainder balance of XXXX to write off department effectively Ally financial unfairly reporting in single month is ridiculous and damaging consumers.

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 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a text message stating CITI BANK : Did you attempt XXXX ( Declined ) at XXXX XXXX XXXX XXXX.Reply YES/NO STOP. HELP. I replied no and then someone called me from XXXX ( XXXX XXXX XXXX. It was a meal and they stated that theyre are calling from Citibank two confirmed a authorized transaction attempt. He then went on and said that someone attempted to use your card in California in the amount of $ XXXX.The meal stated that The transaction did not go through. Then he said he will close out the card and send me a new card in the mail. Then on Sunday XX/XX/XXXX I checked my account I seen {$5.00} remaining in my account. The person mad 3 different wire transfer on XX/XX/XXXX of {$990.00}, {$990.00} and $ XXXX.I called Citibank customer service immediately. They then Freeze the account and now it under investigation. On the XX/XX/XXXX I Spoke to a supervisor he stated to me that they will investigate and it will take up to 90 days. Also I had to file a complaint with internet crime complaint center. I then call back the next week to get some updates on my case. I was on hold for over a hour. The Supervisor looked into my case and told me on the XXXX they Made their determination that I will not be credit back my funds that was wired out of my account because they tried to request the funds back from the person account. The Funds was unavailable for them to retrieve back. I did not Received a call or letter in the mail stating their Determination on the account. I have been banking with them for a very long time never had an issue with my bank account ever until now .how theyre handling it its very disappointing and overwhelming. The supervisor did not help me at all. they know that I am a victim of fraud but still refuse to credit me back the money.

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 2021-04-26 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: MO

Complaint narrative:
I am filing this complaint due to no response from the credit bureaus nor from the original creditors from previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am talking about : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX 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 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2021. I mailed a letter to Transunion, XXXX, and XXXX  and XXXX XXXX about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.

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 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Paycheck was deposited to my bluebird prepaid card from my job XXXX XXXX XXXX XXXX on XX/XX/2021 and my account was permanently suspended and no one can tell me anything and it has all my money on it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. Remove XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was approved by the SBA for {$9000.00} in EIDL grant money. Only {$5400.00} was actually deposited by the lender. The bank shows only a deposit of {$5400.00}. The SBA only shows that {$9000.00} was dispersed. The US Treasury office says the lender would be able to answer why the money dispersed was not the total amount that it should have been.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Someone made several purchases with my ID and social security 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 2021-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
Received a call from XXXX XXXX XXXX XXXX claiming they were from the company, LendingTree and they were attempting to collect payment for an outstanding dept. Asked for last ( 4 ) of my social and then continued to get me to pay {$240.00} payment to satisfy delinquent payment. I never had an open account with LendingTree. I attempted to get more details and eventually disconnected the call because he wasn't providing me supporting documentation. I then called LendingTree to confirm that I did not have an account with them which they agreed. I then attempted to call the person back and the phone number above and I got a voicemail with a woman 's voice ( not the caller ) and no way to leave a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: FL

Complaint narrative:
Im sent multiple ftc reports and 605b letters to Equifax XXXX XXXX XXXX. They refused to block information from my report. All of the following items are a result in fraud. 
XXXX. XXXX XXXX at XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX {$21000.00} XXXX. XXXX XXXX XXXX XXXX  ( XXXX of XXXX Florida ) {$240.00} All Done Fraudulently!! Name & Address The following Name XXXXr XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: TX

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I have over {$5000.00} sitting my PayPal account and they told me I will need to wait 6 months to get the funds out. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

My email linked to my PayPal is " XXXX '' I really need my money for personal finances and to pay my mortgage. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am listing here XXXX XXXX XXXX, NC FINANCIAL XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Opportunity Financial, LLC
State: MO

Complaint narrative:
I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am listing here XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OPPITY FIN XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Central States Recovery, Inc.
State: MO

Complaint narrative:
I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am listing here XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, CER STS REC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX I sent information for Citibank to follow up on regarding a dispute. The person handling my dispute, XXXX XXXX, never called the mechanic listed. If she had she would have learned that the charge I was disputing was valid. I spent months sending her more documentation only to discover after she has given the merchant several chances after deadlines arrived and has now resolved the case in their favor that she never followed through on the very first vital contact.

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