vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Financial, LLC
State: PA

Complaint narrative:
On XX/XX/2021 in XXXX A chargeback came thru my account for {$1000.00}. 
My funds in my bank got crossed on deposit. 
However before the chargeback occurred I sold enough assets in my account to more than cover the amount. 
After numerous times of trying to withdraw and deposit. 
I contacted them thru the automatic email with no response at least 5 vfc to 10 times with one automated response weeks later.Finally I looked for other avenues. 
I went online to numerous social media sites to try and contact someone to release my assets. 
With still no response then I finally saw someone suggested trying to deposit to cover the chargeback so I tried and it took another {$1000.00} from my bank. 
I thought maybe since they didn't use my liquid funds that were already in. 
A new deposit would fix the problem. 
It didn't.so here I sit waiting to be able to access my money.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Porsche Financial Services, Inc.
State: GA

Complaint narrative:
The terms of the lease were unclear to me prior to my signing the lease. Despite my many efforts to ask questions about my lease, I was a continually brushed off and my questions dismissed. I am not satisfied with Porche Financial nor the terms of this deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates
State: CA

Complaint narrative:
I am filing a compliant due to the fact XXXX  is reporting incorrect information on my personal Credit Report. On XX/XX/XXXX XXXX  started reporting the folliwng Account # XXXX Original Credit : XXXX XXXX  stating that I own a balance of {$3800.00}. This account is now assigned to another creditor by the name of Lewis McDonnell & Asso. This account is not mine I am a victim of Identity Theft and have never agreed to conduct business with this Creditor. I have contacted XXXX  via Mail and Fax asking for validation of this debt on XX/XX/XXXX and again on XX/XX/XXXX I also provided a copy of my ID and Social proving my identity informing XXXX  of my Identity Theft issues, they have failed to reply in resonable amount of time to provide me with any evidence that this debt is mine, I ask that you now please remove this account from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have over 21 closed account that should have been removed.

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 2021-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have over 21 closed accounts that should have been removed after they were closed. I have made multiple phone calls trying to get this solved and no answer. That was the agreement. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 account without a prior notice and for no reason and with no help from them from getting it back. i am not sure if this is some mistake as ia ssume it has to be .I have not been able to get help from them since then but i just remembered i could file a report on here as i could feel they are not doing theyre job properly and it is effecting me a great deal as i using paypal frequently .. My email linked in my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have over 21 closed account that should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have over 21 closed account that should have been removed.

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 2021-04-12 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: OR

Complaint narrative:
My paypal has been permanently limited one day without an explanation from paypal, but they told me that the funds on my paypal account can be transferred to my bank account fot withdraw after 180days. Even though Paypal can not do business with me anymore, but I wont have loss if I can get the money out from my account someday, however, I noticed a total amount of $ XXXXUSD was transferred to PAYPAL by paypal on XX/XX/2020 without my authorization and even didnt send me any notification, I wont know it if I dont check my account and the recent activity. I was trying to get help from them, I got nothing but disappointment. Thus, I prefer to I file a report to CFPB to get this issue resolved, the email for my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
When applying for a mortgage in XXXX, I was informed a derogatory account was on my credit report from a company called Transworld. I've never heard of or done business with them. I tracked the company down and was told I owed a medical debt of {$120.00} to a lab in New York. I had moved more than a year earlier to Colorado. I explained I never received a notification of the bill. We had gotten new insurance, in a new state. I offered to pay the debt immediately. However, Transworld told me once paid, they would not remove the derogatory account from my credit report. I explained I had no notice of this bill or opportunity to dispute and would have paid had i known. They told me " we aren't here to help you. We work for the client, XXXX '' and hung up on me. So I called Ameripath/quest diagnostics and paid the bill directly to them onXX/XX/2021. However, they have still refused to remove the derogatory account, which is affecting my mortgage. It is the only blemish. It's unfair to have been given no notice. My phone number didn't change. They didn't call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have over 21 closed accounts that should have been removed after they were closed. I have made multiple phone calls trying to get this solved and no answer. That was the agreement. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
XX/XX/2021 {$1300.00} they can not validate this debt is mine I request them to validate it and if not they need to remove it from all credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase case number XXXX .On XX/XX/21 I made a mistake and I purchase USDC coin for XXXX and deposit XXXX from my bank into coinbase at the same time. I only had XXXX in the bank so I had to cancel XXXX and called XXXX and they cancel one transaction on XX/XX/21 and deposit XXXX into coinbase. On XX/XX/21 and XX/XX/21 coinbase collected both transactions and left my balance negative XXXX. I was surprised and called XXXX XXXX and they assured me that they deposit XXXX into coinbase and my bank statement is proof they deposit the XXXX. Where is the XXXX that XXXX XXXX deposit? Im negative XXXX in my bank account. I have written multiple emails to coinbase on XX/XX/21, XX/XX/21, and XX/XX/21 and no answer to where is the money. I also wrote to XXXX  case number XXXX but not answer yet. Please I need your help to get my XXXX back from coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 closed my account for no reason one day says your account will be permanently limited, and and the funds on your paypal account will be available for withdraw after 180days. The money on my account is really important for me and my family, so I checked my account from time to time and wish to get updates from them for the withdraw, however, I noticed a total amount of $ XXXX was transferred to PAYPAL by paypal on XX/XX/2020 without my permission and even didnt send me any notification, I wont know it if I dont check my account and the recent activity. I was trying to get help from them, I got nothing but disappointment. Thus, I prefer to I file a report to CFPB to get this issue resolved, the email for my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
I am requesting debt validation from them I ask them to provide records of this debt as validation.

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 2021-04-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
I was due for 2 months I paid what was owed.They canceled the payment.I called to see what The problem was, I ask 3 or 4 questions.The person on the phone was Pretending.He couldn't Answer any questions on my account.Also they sent me a break down on my accounts which I made all payments last year.but told me I didn't make certain months last year.which is not True.This company has been doing this years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: NJ

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 2021-04-12 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: SCA Collections, Inc.
State: GA

Complaint narrative:
Upon checking my credit on XX/XX/XXXX, I discovered new items on my credit report. All reported the same day on XXXX. I immediately let them know it was fraud. These caused severe damage immediately for my credit score.

Collection Agency SCA COLLECTIONS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$190.00} Amount {$190.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX SCA COLLECTIONS XXXX XXXX XXXX XXXX XXXX NC 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 2021-04-12 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: LA

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: GA

Complaint narrative:
Upon checking my credit on XX/XX/XXXX, I discovered new items on my credit report. All reported the same day on Equifax. I immediately let them know it was fraud. These caused severe damage immediately for my credit score. 

Collection Agency XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$190.00} Amount {$190.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: OK

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: GA

Complaint narrative:
Upon checking my credit on XX/XX/XXXX, I see an account reported to Equifax. This account is not mines. I reached out to the original creditor XXXX  fraud department on XX/XX/XXXX and they told me that they have no knowledge of this account being reported to my credit to equifax or any other collection agency. They have no records of it The information was not furnished by them. 

Collection Agency XXXX XXXX , XXXX . 
Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1300.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # 32 Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX WA XXXX I reported identity theft to the FTC on XX/XX/XXXX the reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This company, which I hold no contract with nor no longer services with reported a collection account against my SSN in the amount of {$300.00} with XXXX  XXXX XXXX and XXXX XXXXredit reporting agency. The business can not provide verification of the debt and account. Considering this business does not have a contract with me for goods or services they have provided nor can they provide adequate proof I am not obligated to pay for the alleged debt.

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 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My usual banker, XXXX XXXX, was out on XXXX leave, so I was forced to go the branch XXXX, XXXX for a copy of my mortgage loan papers. when she asked me, in her usual sarcastic tone, 'is the loan with Chase XXXX, I replied in the same tone, 'oh no, it's with XXXX XXXX XXXX XXXX I go there '? XXXX gave me a strange look and I then replied in her same sarcastic tone, 'Of course it's with Chase XXXX XXXX otherwise why would I be here '? 
She sat down at her computer and replied that she could not find any loan in my name. I was forced to go to another branch, where the bank XXXX found the paperwork in 30 seconds. 
When I returned to the branch a few days later I was informed that all my accounts had been closed. 
When I asked XXXX if she had done this - she replied that she had ; when I question her on why - she again sarcastically said " for bad behavior!! '' This included all my checking accounts, my credit card accounts, and my JPMorgan on line XXXX  account. 
What horror this has caused me ; at my age to start all my banking history, to have auto payments negated, to have credit cards closed where I was accruing airline mileage points ; all because I would not tolerate XXXX 's sarcasm. 
I took this up with XXXX 's superior, XXXX XXXX, whom although she showed some sympathy for my story, said that she find some documents that there were other reports of my 'bad behavior. These reports were never shown or explained to me. I can only assure you that there were never any incidence of malice, bad language or any display of threating behavior, insulting behavior or any of the slightest indication of physical threat or harm. 
I have always been quite generous with each banker that I have been in contact ; from supplying needed food products during this Corvid pandemic, to bringing different sweets and little thanks you gifts for their service to me. I feel this action was so over the the boundary of institutional behavior and was initiated only because XXXX never showed the slightest bit of respect or courtesy to me., Was it my religion, my age, or my obvious preference for anyone but her to help me as her brazenness was always a factor in her dealing with me. 
There were many other instances as well. That was the most heartbreaking one as I've been a loyal customer for years and that woman out of nowhere shut down all my bank accounts for no reason whatsoever. Another incident just to give an example was she made me walk all the way back home because I didn't have a mask, when I knew that she had a supply to give to her customers and even saw her hand it to other customers in front of me, but never showed me the same courtesy and treatment.

Company response to consumer: Closed with explanation