vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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: FL

Complaint narrative:
I opened an account in XX/XX/2021 with gemini.com to trade crypto currencies. After completing the sign up process i transferred funds of {$23.00} as a test and used those funds to purchase XXXX. 

They except funds and will allow trading but are keeping my account in a : PENDING VERIFICATION '' status. It has been now over a month and gemini will not allow me to transfer or withdraw anything. I have emailed them and they responded 2 weeks later with no solution. They have not responded to any emails i have sent after. I AM NOT THE ONLY PERSON with these issues. 

Gemini is holding everything ( even my small amount ) hostage because of a verification? I am glad i did a small test amount. This company is not trust worthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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:
I write in response to an issue with PayPal. I sold an antique bracelet on XXXX, and was provided with a shipping address to XXXX for the buyer. I shipped the bracelet via USPS with full insurance coverage, and after many weeks in customs in XXXX the bracelet was finally received by the buyer. Once she received it, she claimed the bracelet was damaged. I advised her that the bracelet was antique and had some cracks and chips as delineated in the XXXX ad, and further advised her that the bracelet was in customs and it was unknown to me whether or not it had been tampered with. 

Much to my dismay, PayPal debited my account for the full amount of the sale once the buyer opened a case, and left me with a negative balance. I am certainly eligible for Seller Protection through XXXX and PayPal, who are both jointly owned. Most disturbingly, however, is the fact that I never received the bracelet back from the buyer and it seems that her XXXX  account has disappeared. 

I am hereby demanding that PayPal issue a full and complete refund back to my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Credit Collection Services is inaccurately reporting this debt from XXXX XXXX on my credit report. I have asked the company to remove it, and they hae told me it will be removed in XXXX. I have paid the debt with XXXX XXXX directly

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: CA

Complaint narrative:
I received a letter stating I owed {$24000.00} last year. This year they show I owe {$61000.00}. They are adding all the interest at 11 % since XXXX. They said the loan matured in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: GA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION
State: NJ

Complaint narrative:
i have tried to transfer funds from a my XXXX bank account to my XXXX bank account, both registered in my name, and they stopped the transaction asking to provide a document i then provided my passport and the account was verified so i proceded with a fund transfer service from XXXX to XXXX to pay family expenses like, rent, food and similar i placed one by one and then had to cancel the following fund transfers XXXX {$520.00}, XXXX {$520.00}, XXXX {$1000.00}, XXXX {$420.00} since i was still waiting to know the exact amount from a relative of mine in the meantime i have placed another funds transfer this time from my own XXXX bank account to my own XXXX bank account with this transaction XXXX {$420.00} they " XXXX XXXX XXXX department stopped again the tranactio and asked to provide a financial document and they clearly indicated that bank statement must be the statement of the funding source used to place the transaction i have provided the bank statement twice but they know say that " they are not able to confirm my identity '' please note that xoom requested my passport and my bank statement only to say that they can not confirm my identity and that my xoom account will remain restricted they have received so many online complaints and class action, but i think that they need more xoom are a bunch of document collectors without a reason ( because they collect documents but they still they do not reactivate accounts ) so i wan na make sure that consumer finance knows that they have collected my passport and bank statement, with out any reason i will report them on the XXXX privacy law website also

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: DE

Complaint narrative:
I have sent XXXX, XXXX and transunion dispute letters for my negative accounts over 30 days ago they still have not received investigation results on my dispute I disputed 3 negative account XXXX XXXX, XXXX, XXXX my name is XXXX XXXX SS 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 2021-03-22 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have sent XXXX, equifax and XXXX dispute letters for my negative accounts over 30 days ago they still have not received investigation results on my dispute I disputed 3 negative account XXXX XXXX, XXXX, XXXX my name is XXXX XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: FL

Complaint narrative:
PayPal for no reason " permanently limited '' my PayPal account and placed a 180 day hold on my funds. I do not sell items online and do not receive money via PayPal so there is no chargeback risk to PayPal. I have had the account for years and use it only to purchase items like XXXX and relatively small purchases online. 

I have a balance of XXXX with PayPal and I do not intend to let them sit on it for 180 days. My email associated with my PayPal account is XXXX. Please have PayPal release my funds. 



The following is a portion of the message I received from PayPal : " You can no longer do business with PayPal ( Ref ID - XXXX ) From : XXXX XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
On XX/XX/2018, Credence Resource Management , LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Credence Resource Management , LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 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: SC

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XX/XX/XXXX and financial XX/XX/XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: LA

Complaint narrative:
I XXXX XXXX Received a letter from Penn Credit Corporation stating I owe a debt which is a violation pursuant to 15 USC 1692b ( 2 ) that states any debt collector shall not state that such consumer owes any debt. I also did not consent to my information being stolen or sold to any alleged debt collector.Pursuant to 15 USC 1692c ( a ) ( 1 ) i gave no consent to Penn Credit Corporation to contact me at anytime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: CA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 — Problem getting your free annual credit report
Company: LEXISNEXIS
State: TX

Complaint narrative:
We have been trying to get a credit report from LexisNexis, we have requested 4 different times. Our house insurance XXXX  XXXX XXXX uses LexisNexis and they keep sending back they have no information on my husband but have not sent anything on me. The letter we received from XXXX XXXXXXXX XXXX reads that a list of factors ( derived from your credit history ) that had the most impact in reducing our score. The 2nd item listed is # of AUTO FINANCE ACCOUNTS ESTABLISHED REDUCING. We requested our credit reports from all three Credit Bureau and they only show one auto loan and that was paid off inXX/XX/2014. We would like for them to send the report that they sent XXXX  XXXX XXXX so we can see what other auto loans they are seeing. This report has cost us more in house insurance. 
Mailed off a request on XXXX XX/XX/XXXXXX/XX/2021 Sent a certified Letter on XXXX XXXX XX/XX/ Sent E-mail on XXXX XXXXXX/XX/XXXXXX/XX/2021Sending a request by their system XXXX XXXX XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a 2015 auto loan from Wells Fargo. The loan was from Wells Fargo Dealer Services, but two years ago Wells Fargo did away with " dealer services '' and now I deal with Wells Fargo. TWO YEARS AGO they remade their website, and I have been unable to log in to my account. I can't make payments, see problems, or get any info about my car loan-I have to CALL their 800 number and it takes forever. I have filed several complaints, been on hold for HOURS at a time with their " support '' teams - all to no effect. Finally in XXXX of this year I was told that Wells Fargo accidently created two files on me, one with erroneous information, and that is the reason I can not have access to my account. They offered no fix. Just another " complaint with the president 's office '' that never gets resolved. My car has one year left on on this loan and I still can't have access to my account online. I can not go into a Wells Fargo branch and get service on my loan because I was told that I was a Dealer Services customer and the branches do not do any servicing on those loans. I am stuck out here in limbo, and have been charged fees because there was a problem with a payment, but I was unaware - and those late fees carried over for months until just recently they told me on the phone what was going on. I am so sick of these people, they are so inept, so incompetent! Their mistake affects my credit score, because I'm being reported as late on my loan when I wasn't aware that I was - and when I do make payments regularly I don't get credited for those because they report my information inaccurately. The first two years of my loan, they had my social security number wrong, and it took hours and hours on the phone to get them to correct it. I will never do business with Wells Fargo again, and their incompetence leads to negative reporting on my credit history. I would like them to make the corrections and be held accountable for their constant errors and inability to correct them.

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 2021-03-22 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: FL

Complaint narrative:
I Signed up for a Gemini account 2 months ago, they happily took my initial deposit but have yet to verify me which I'm just now learning means I can not withdraw my money. Getting an answer from customer support is impossible, I've probably sent 7 emails by now and can't get anything more than a generic automated response. Meanwhile I was able to get verified by both XXXX and XXXX today almost instantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NY

Complaint narrative:
On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the lender, XXXX XXXX & credit bureau, Equifax. XXXX XXXX send me a letter onXX/XX/2020 stating they will remove the hard inquiry. As in XX/XX/2021, XXXX XXXX or Equifax have yet to remove a fraudulent hard inquiry on my credit report known as XXXX dated XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
My COVID-19 emergency relief check in the amount of {$1400.00} was credited to my bank account on XX/XX/2021. The XXXX sent a tax lien for {$620.00} to the bank on XX/XX/2021. On XX/XX/2021, the bank deducted {$380.00} from the COVID-19 funds to send to the XXXX XXXX XXXX. 

On Saturday, XX/XX/2021, I got a letter from the tax department [ Notice of Tax Lien ] indicating they had issued the lien to my bank. On the letter sent by the tax department it states the following in bold letters. " Certain funds are exempt from lie, to include COVID-19 funds. '' I contacted my bank and told them that they needed to refund the amount deducted minus the amount that was in the account before the {$1400.00} was credited. After a back and forth to XXXX, XXXX and XXXX, the bank said that this is the third disbursement of COVID funds, and there was no language in the legislation exempting these funds. 

My position is COVID relief funds from the federal government is just that : COVID-19 reflief funds. The tax department on its Notice of Tax Liend and Demand for Payment specifically recognized that the government was sending out COVID-19 relief funds and exempted those funds from the being deducted to satisfy the lien. So, the issue is not with the tax department ; the issue is with TD Bank, XXXX. XXXX XXXX, XXXX XXXX, New Jersey XXXX. 

I know that the President and the Congress said with regards to the nature, substance, and characterization of the {$1400.00} checks to Americans. If we want to be really technical, if the bank 's position is that the legislation did not exempt those funds, my position is that there also is not language to authorize application of these funds to satisfy the tax lien in the face of the Lien holder 's specific language to EXEMPT COVID-19 RELIEF FUNDS from being used pursuant to the issuance of the Notice of Lien.

TD bank needs to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 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: CA

Complaint narrative:
I submitted an online dispute on XX/XX/2021 with Experian for a XXXX credit card account. I received a 1099-C ( Cancellation of Debt, Code G ) from the IRS in the amount of {$1900.00}. I filed and claimed it as income. The creditor is no longer attempting to collect and the file needs to be deleted from my credit report per reporting guidelines. File was updated on the XX/XX/XXXX with the balance increasing from {$2300.00} to {$2400.00} and the file was still in charge-off status and balance updated with a past due amount of {$2400.00}. Submitted a second dispute with uploading the 1099C document on XX/XX/2021. File was updated and not removed on the same day with a CLS ( closed ) status with bureau Comments : {$0.00} written off and shows a past due balance of a different amount than the previous dispute investigation results of {$2400.00}.

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 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received a letter from the debt collection agency PORTFOLIO RECOVERY ASSOCIATES, LLC stating I owe a debt in the amount of {$3300.00} that was owed to original creditor XXXX XXXX and merchant XXXX in which PORTFOLIO RECOVERY ASSOCIATES, LLC is the current creditor of this debt owed. I did not take out any type of credit with these creditors stated.

Company response to consumer: Closed with non-monetary relief