vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 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 closed my 3 years old account mistakenly and will not help me with getting it back. I've been doing business with PayPal for more than 3 years, My current monthly turnover is over $ XXXX, Everything was fine till yesterday. Since I got a message from PayPal that My account has been limited permanently from for violating the Acceptable Use Policy. I don't know why they did it because 1 years back, They limited my account, asked for more information and Verified our business, Nothing changed, We're still providing the same service. Even though My competitors are still using PayPal on their site. Reputation of my account is above average, We always make sure that our customers are happy! My account Had more than above {$6000.00} in my PayPal wallet, Which is also on hold for 180 days. 

I am not sure if this is some mistake as I assume it has to be. I can strongly say that I'm not breaching any guidelines. I have not been able to get help from them 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 in my business a currently my business is stuck. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I received an ad to apply and pre-qualify for a American Express credit card, after going through and getting prequalify for three different cards I applied to only find out my application was denied. I contacted their customer service to go over the situation, they stated that because of my credit score my application was denied. This is something they were able to review when I went through the pre-qualification process and performed a soft inquiry on my credit report. This seems like a bait and switch to get a persons foot in the door with the pre approval and listing the cards that you qualify for them denying a person after they apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XX/XX/2019 I called Citi Cards/ CitiBank to pay off my remaining balance and close my account. I made the payment over the phone in the amount of XXXX. Citi cards then proceeded to close my account. So I thought. In XXXX I started the process to refinancing my home and pulled my credit reports. At that time I saw that this account was reporting negative on my report and still showing a balance of XXXX. I have disputed this with the proof of my bank statement three separate times and each time they say that the evidence I provided was not valid and that I need to show proof of a cashed check. I have explained to the credit bureaus, Citi Cards, and also the collection agency they apparently sent me to and not a single one understands or is willing to accept that I made the payment over the phone so there is no physical check. Just the proof of withdrawal from my account. The fact that nothing other than paid in full and closed as of XXXX of 2019 should be reporting on credit is very frustrating and I have not been able to get this squared away. 

The only correspondence I have received says the were able to locate the payment but that citi credited the payment to another account. Now citi just reported this account to my wife 's credit which she was never on this account. At this point all negative reporting needs to be off

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 2021-02-16 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: NCB Management Services Inc.
State: AR

Complaint narrative:
On XX/XX/2020, & XX/XX/2020 I sent letters to the CRAs disputing this account and their inaccuracies. In which they stated the dispute was resolved ( incorrect information was still reporting ) .On XX/XX/2020 I sent a letters the original creditor XXXX XXXX the CRAs, & to NCB Management asking for validation of the debt in which they submitted no proof of validation & inaccuracies were still being reported on my report after claiming they had been fixed ( not fixing the existing problem ). On XX/XX/2020 a letter from NCB Management stating they were unable to substantiate my allegations yet I have evidence on my report that contradicts that statement. Such as the dates being reported opened, the date of activity, the account status and more which are against FCRA regulations. This account is also in litigation due to deception and predatory lending practices of the original creditor XXXX. This account falls within the time frame of XXXX XXXX - XXXX XXXX in which XXXX settled and was found at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America XXXX BoA ) Savings Account Fraud BoA Fraud Claim XXXX ( Note, a more detailed timeline writeup has been attached as a txt file ). On the XXXX of XX/XX/2021, when I logged in to my Bank of America account, I noticed a massive transfer of money out of my checking account on the XXXX of XX/XX/2021. The sum was around $ XXXX XXXX exact number in documents attached XXXX. It was a payment to an XXXX XXXX ( XXXX ) account NOT owned by me. I immediately contacted BoA, closed the compromised checking account and requested a fraud investigation. I also contacted XXXX regarding the transaction. They did not reveal details to me, but gave me the transaction ID, and told me that BoA should handle it for me. Unfortunately on the XXXX of XX/XX/2021, my fraud claim has been denied. The email simply claimed that my account activity on that day was " consistent ''. I have filed for an appeal simply because how of how ridiculous this conclusion was. Bank of America did not even contact XXXX regarding the suspicious transfer of money. Bank of America has still yet to email me the documentation of their investigation despite agreeing to do so. I even checked with the credit bureaus and XXXX to ensure that the money was transferred to an account that did not belong to me. In addition I requested BoA forward me the documents involved in the investigation ( which the letter claimed was within my right to do so ), but they have still not yet provided me with 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 monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. PUBLIC RECORDS : BANKRUPTCY CHAPTER XXXX DISCHARGE

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 2021-02-16 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: Block, Inc.
State: MD

Complaint narrative:
On XXXX XXXX my Cash app account was hacked and {$630.00} was stolen from me. I emailed cash app several times and on XX/XX/2021 cash app sent an email that this issue had been resolved and the $ XXXXwas credited back to my cash app account. Cash app credited this money to my old cash app account which was hacked. On XXXX XXXX I attempted to log into my cash app account and was unable to. I have sent cash app several emails asking for help to log into my account. Every representative that has responded back is not giving a resolution to the problem. I have asked Cash app to forward the credit to send the credit to my new cash app account or mail the credit to me in the form of a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Around XX/XX/2021 I received a call from XXXX Gap Inc credit card services. 
I talked to the representative and she did not know why they were calling me because I have a XXXX balance. Since that date I have received calls twice a day from that telephone number I have called Gap about 6 times telling them to put me on the do not call list but I still receives calls from 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 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. PUBLIC RECORDS : BANKRUPTCY CHAPTER XXXX DISCHARGE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I entered a wire transfer online with CitiBank to transfer from my savings into an investment account with another institution. After 24 hours the wire was not processed and CitiBank sent me an email that they needed more information. I called and was on the phone with an agent for nearly an hour while she attempted to get the wire " authorized ''. She eventually said that it was now under review and would take 12 to 24 hours. I spoke to a supervisor and he also was unable to expedite or provide any explanation. After 24 hours ( 2 full business days later ) and still no further explanation or completion of the wire, and now into a weekend, I cancelled the wire online. The balance in my account now shows fully available online, however the CitiBank online site will not let me transfer my funds either into another CitiBank account of my own ( Checking ) nor through any other means. I have never had a financial institution hold a wire let alone take more than an hour to process, nor have I ever experienced blatantly holding funds and not releasing them without any explanation.

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 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
I have disputed this debt multiple times and RECEIVABLE MANAGEMENT SERVICES LLC has never responded in any way. They have however verified the accounts to the credit bureaus. This is a direct violation of the FDCPA! Reporting an unverified and disputed debt is a violation of the FCRA. I shouldn't have to work this hard to get a correction made to a very inaccurate account! PLEASE HELP 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 2021-02-16 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: General Motors Financial Company, 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 2021-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX XXXX ) XXXX that stated I was having two allegations from XXXX County which I then begin to panic. The gentleman provides me with a reference number XXXX, and a phone number to call XXXX XXXX XXXX XXXX. I call the number and Im speaking to some girl and provide her with the reference number and she begins to tell me that ACE cash express is filing legal proceedings for two allegations against me for : 1. Broken legal contract on failure to repay the loan, and 2. Attempting to defraud ACE because I knowingly failed to repay. I am completely unaware and blindsided by this that I explain to the lady that I never received any mail in regards to this as I do not receive mail at my physical address, and that I use a PO Box . She stated that I would have to pay upwards of {$3000.00} if it were to go to court and I would have these marked in public records making it hard for me to get a house or new car, etc. I ask her if there is any way to take are of this issue and she stated that she would talk to her legal advisor. After being on hold for 1 minute and 30 seconds she comes back on the line and says that they are willing to settle and not take me to court if I paid {$1800.00} to the company by the name of XXXX XXXX. After stating that I couldnt pay that now she was able to make a payment arrangement of {$450.00} bi weekly that would be drafted from a company named XXXX, but I would have to secure a debit card on file. None of these companies match or correspond to anything I have ever heard. After I asked if I would be receiving a receipt or some type of document stating my name and who I was paying to and the amount she stated, the best I could do for you is give you a confirmation number. I began pressing the issue and she stated that upon completion of payment for the entire {$1800.00} I would receive an email attached with the deferred documents and legal action would no longer be taken against me. I mind you that the initial loan was only {$200.00} on an account opened in XXXX of XXXX! This is mind boggling, and I feel shaken in my boots because I have never been notified of this issue. I feel like they waited so long, if this real, just to get more money out of me. I dont know what to do. Ive never been in any legal action and I feel threatened, worried, and confused. Also, when I asked if XXXX County, the county I reside where the loan was initially taken out, would have any documentation of this issue she stated, feel free to reach out to them. I also asked for another phone number to call and she said that they would be the company proceeding this matter. This is crazy and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
We have a loan with Honda Financial Services for a XXXX XXXX XXXX. We have always made timely payments on the account. Beginning in XX/XX/XXXX, we sent in the usual payment which we mailed several days before it was due. We subsequently received the next month 's statement indicating that there was a past due amount as well as the current amount due ( I figured that the check somehow got lost in the mail ). We immediately sent in another check for the past due amount as well as the current month amount. After we mailed this double payment, Honda Financial Services finally cashed the XXXX check on XX/XX/XXXX ( over a month later ). The second double-payment check that was sent in XXXX was finally cashed on XX/XX/XXXX ( again, a month later ). I called Honda Financial Services on XX/XX/XXXX to complain about the late cashing of my checks. On their recording at XXXX there is a message indicating that they are aware that the U.S. Post office is understaffed and that payments have been received late. When I spoke to the representative, they agreed to remove the late fees ( {$20.00} in total ) however they said that they could not fix the negative credit reporting. I explained that I mailed the checks in plenty of time and that they cashed them very late and it is no fault of mine that the U.S. Post Office has been behind with delivery. However Honda Financial Services would not repair any negative credit reporting. We will be paying online in the future to avoid use of the postal service ; however we want the negative credit reporting to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
Hello my name is XXXX XXXX. Im having problems with a credit card company named Continental Finance.I have been making timely payments online. They send me a email stating that payment has posted to my account. Then a week later they send me another email stating that they have not received a payment. I have seven other cards and I dont have this problem with any of them. I believe they are running a scam because when I contact them they tell me that should call in the payment so they can charge me XXXXservice fee.I want them to change the false information they sent to my credit report.

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 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I got a letter in XX/XX/XXXX stating my mortgage was increasing due to a increase in my insurance and taxes. I was very concerned so I called early XX/XX/XXXX and spoke with a very nice person who took the time to explain what was going on. I expressed my concerns about the increase and was told there was a shortage in my escrow account. The lady took the time to give me the exact amount needed and emphasized that when I call make sure I tell them this is for the escrow. I did exactly as instructed. However this mortgage company has been rude and totally ignoring my request they have taken my money and refused to apply to my escrow. They have hung up on my numerous times. Unprofessional passing blame and insisting there is nothing that can be done. This is s complete disgrace. I did my best and the company is refusing to listen or help. Please take the time to assist me before it too late. Lakeview loan services is the absolute worst. They need to hire adults who listen and follow up. I need help getting the monies applied as they have deliberately made a mess the stress and the lack of respect shown by this is unacceptable. Please advise. I've been calling for 4wks with no results

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 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
To Whom It May Concern : In XX/XX/XXXX, {$600.00} was taken out of my checking account via XXXX XXXX by an unknown person ( fraud ) and made it look like I sent the {$600.00}. I filed a complaint with both XXXXXXXX XXXX and Bank of America. 

I was told via email by XXXX XXXX ( XX/XX/XXXX ) they would not be able to refund me the {$600.00} because the unknown person ( fraud ) had deposited the money into their account. 

I was told by Bank of America ( XX/XX/XXXX ) they would not be able to refund me the {$600.00} because XXXXXXXX XXXX provided information stating I use XXXX XXXX  frequently. 

I know for a fact I did not send {$600.00} to the unknown person ( fraud ) and I do not know the unknown person ( fraud ). 

I want my stolen {$600.00} back in my account because it was fraud, someone did hack into my XXXX XXXX  account, and I did not send the unknown person {$600.00}.

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 2021-02-16 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: OH

Complaint narrative:
I have requested validation of debt several times with all 3 bureaus for alleged debt/collections on my account as well as unauthorized inquiries in my credit reports. In response they have not sent me any validation of the alleged account information as required under the FCRA, they only responded that they verified the account was mine. No proof was given other then their statement. This has caused me great personal pain and suffering as I was denied for not only personal credit accounts but also a business loan due to inaccurate and negative information being on my credit report. I have sent out disputes 3 times in 2020 and the issues are still unresolved. The last disputes I sent out was on XX/XX/2020.

Company response to consumer: Closed with explanation