vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 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: NY

Complaint narrative:
I have a Venmo account. I have a credit balance of {$10.00} in this Venmo account. I do not have a smart phone and use a flip phone device. Because of this, I do not have access to the Venmo application. I opened my Venmo account online through a computer. At no point during the establishing of my Venmo account over the computer was I advised that I would be able to transfer money out of my Venmo account ONLY by utilizing a smart phone. When I contacted Venmo customer service as I was having difficulty transferring the {$10.00} into my checking account via my stored debit card, I was provided instructions that did not work. I responded to let Venmo 's customer service know the instructions did not work and that I do not have access to their mobile app as I do not have a smart phone. I was advised that there was no other way to receive my {$10.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed multiple accounts displayed on my consumer report that are a violation to my rights as a federally protected consumer.

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 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed multiple accounts displayed on my consumer report that are a violation to my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
talked to XXXX  rep from excutive response team XXXX on issue with being charged on acct that does not belong to me and had to pay XXXX to pay it off because it is reporting as collection on my credit report. informed if i pay it will show paid but will not be removed as collection. this acct number XXXX is not my acct and does not belong to me and was to be closed in XXXX of XXXX  as i spoke to XXXX reps multiple times on this. they forced me to pay the acct off due to defaming my character via credit reporting. the issue still persist and want corrtected and all credit reporting in negative manner removed immediately. this is a act of fraud and i was informed that info on this acct was in my name but at another address not my home address and under another telephone number that does not belong to me and paid by credit card that does not belong to me. need this resolved or litigation will follow.

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 2021-07-17 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: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
talked to XXXX  rep from excutive response team XXXX on issue with being charged on acct that does not belong to me and had to pay XXXX to pay it off because it is reporting as collection on my credit report. informed if i pay it will show paid but will not be removed as collection. this acct number XXXX is not my acct and does not belong to me and was to be closed in XXXX of XXXX  as i spoke to XXXX reps multiple times on this. they forced me to pay the acct off due to defaming my character via credit reporting. the issue still persist and want corrtected and all credit reporting in negative manner removed immediately. this is a act of fraud and i was informed that info on this acct was in my name but at another address not my home address and under another telephone number that does not belong to me and paid by credit card that does not belong to me. need this resolved or litigation will follow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: MO

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I feel very strongly that my Complaint fall under Sperry and Hutchison Ruling. My problem started in XX/XX/2018. However, I did not look at my Statement for a Year, which, when I did, I then notice 2 APR..1 for 13.24 % and another for 14.99 %. I called Chase Customer Services ... I ask why am I Paying 2 APR, they informed me that The Part Of The Credit Card Company had been Sold/Brought Out. And I was gon na be paying the Amount owed on the Original Purchases and a new APR on all new Purchases. I told them this was Immoral and very Unethical, as I had not asked for a Credit Increase Or A Second Card, because the 2 APR was equivalent to 2 Credit Cards. I called 3 times abt this matter. I was upset at what happened to me, but I did not think I had any recourse but to accept what had been done. Then about a Month ago I heard some one talking about Federal Trade Commission and for the first time I felt I had the opportunity to see justice done or at the very least to address my concern and see justice applied.

I appreciate that you will do a through, Just and Fair Investigation into my Claim against JP Morgan/Chase Bank Credit Card..Chase Freedom. 
I look forward to hearing from you regarding my Complaint. You may reach me XXXX if you should have any questions. 
Respectfully Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
The agency has violated multiple FDCPA regulations. The entity which provided me no notice that a debt existed or that the debt was in collections and placed the debt on my credit XX/XX/2021 in the amount of {$370.00} in an attempt to have me pay an unknown debt without validation. When seeking validation of the debt the agency will not provide it and hangs up saying if I do not acknowledge the debt they will not assist me, in an attempt to reset the statute of limitations before even validating the debt in writing. The agency uses harsh collection methods which violate the rights of consumers and do not align with FDCPA guidelines. I have sent the consumer a letter of validation on XX/XX/2021 without response. The agency limits the options we have to resolve debts before financial and credit impact occurs in an attempt to get a fast payment agreement and reset statute of limitations on what ia an older, non-obligated debt outside the statute of limitations

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 2021-07-17 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XXXX of XXXX I had locked my XXXX XXXX XXXX. In XXXX of XXXX they made an unauthorized charge to my card. I wrote a letter. In XXXX of XXXX they made another unauthorized charge. In XXXX they added interest so I wrote another letter. After that I called, the guy said he took care of it, so I closed my account. Now they keep adding interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have this account that is not mine and i wan it to be remove from my credit report. 

1. Identity Theft CAP ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
Bridgecrest LLC is reporting multiple missed payments to my credit report. I made multiple arrangements with them and was assured that this wouldnt happen. The vehicle has been paid off well before the due date, and despite my best efforts I cant get them to change the reporting which is ruining my credit. Whats more is that I didnt purchase the vehicle from bridgecrest, I purchased it from XXXX XXXX which was then bought out by bridgecrest. When the change of company was made, they inadvertently turned off my autopay in XX/XX/2018 which caused me to be late without my knowledge. No one has been helpful fixing this for me and they dont seem to care.

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 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: MT

Complaint narrative:
I sold my house and paid it off but they reported it negatively on my credit.

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 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/21 I opened the Wallet app  on my smartphone to view my Apple Card balance and was given a message stating that the account was restricted and to contact Goldman Sachs customer service. I contacted them via the text support feature and was told that my account is " under review '', that the company will not tell me why the account is under review, and that the company will not give me a timeframe for this issue to be resolved. I am unable to use the card in any way and I am unable to view any information about the card. The only thing I am able to do is make a payment by calling the customer service line. I attempted to escalate the issue with customer service multiple times both within the text support feature and via a phone call to the provided support line. At all levels I was given the same response that they refuse to inform me of why my account is under review or provide a timeframe for when the review process will be completed. If there is potential fraudulent activity or a breach of my information that caused the account to be placed under review then this is something that I should have been alerted to and provided details of so that I can take the necessary steps to protect my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC
State: LA

Complaint narrative:
Last mth, on or about the day of XX/XX/21, I finished paying enhanced recovery company. They've said that they contacted the credit bureas, but the bureas still showing a balanced left to be paid on the reporters website. Now, I've sent the reporters a copy of a letter from erc. Still waiting to be updated on their reporting website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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 — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/2021, I called XXXX XXXX XXXX ( XXXX ) as I had received communication stating that my account with BARCLAYS BANK DELAWARE was purchased by them on XX/XX/2021. While speaking with the XXXX rep, I stated that I wanted to settle the debt with a pay to delete off of my credit report with Barclays. I asked them to send an email confirmation in addition to mailing a letter for the agreement in which they did ( sent by XXXX XXXX of XXXX ). Before ending the call, I asked the rep if this could be removed off of my credit file and she stated that it will be removed after successfully receiving the full agreed upon amount of {$960.00}. I made a payment of {$480.00} on XX/XX/2021 and another payment of {$480.00} on XX/XX/2021. I received a letter dated on XX/XX/2021 from XXXX stating that the current balance on the account was {$0.00} and the letter serves as proof that the account was settled. On XXXX, I did not notice any changes to my credit regarding the removal of this delinquent account. I called XXXX informing them that the file was not deleted from my credit report. They stated that they will send another letter to the credit bureaus and to give it another 30 days before reflecting on my account. On XXXX, I decided to call BARCLAYS BANK and inform them of what was going on with the account. They only told me that it was under investigation being that I disputed with one of the credit bureaus even after they validated the debt with the credit bureau. I havent heard anything since and still no change to my credit report. I reached back out to XXXX today, XX/XX/2021 and they told me to call back on Monday to talk with the dispute team as they forgot to send the letter so the manager, XXXX XXXX, has submitted a complaint. They also stated that they cant contact the original creditor after an account has been purchased. So now I have a delinquent account on my credit file, reporting a {$0.00} balance, but hasnt been removed because of the run around Ive been receiving with all agencies involved.

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 2021-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX is reporting multiple missed payments to my credit report. I made multiple arrangements with them and was assured that this wouldnt happen. The vehicle has been paid off well before the due date, and despite my best efforts I cant get them to change the reporting which is ruining my credit. Whats more is that I didnt purchase the vehicle from XXXX, I purchased it from XXXX XXXX  which was then bought out by XXXX. When the change of company was made, they inadvertently turned off my autopay in XX/XX/2018 which caused me to be late without my knowledge. No one has been helpful fixing this for me and they dont seem to care.

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 2021-07-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX is reporting multiple missed payments to my credit report. I made multiple arrangements with them and was assured that this wouldnt happen. The vehicle has been paid off well before the due date, and despite my best efforts I cant get them to change the reporting which is ruining my credit. Whats more is that I didnt purchase the vehicle from XXXX, I purchased it from XXXX XXXX which was then bought out by XXXX. When the change of company was made, they inadvertently turned off my autopay in XX/XX/2018 which caused me to be late without my knowledge. No one has been helpful fixing this for me and they dont seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL

Complaint narrative:
Collection company keeps tagging my credit report as a skip when my address is correct and they know it is because I told them. I have gone through XXXX and they just won't stop. They keep doing it several times a week to damage my credit in an attempt to collect bills I have disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I want to require Santander Consumer USA to verify account XXXX and send me proof that they, when extending my credit, used their own funds to pay for the XXXX XXXX XXXX XXXX. I demand proof, not the contract, I demand proof that they paid for my property with their own funds, I want a receipt for said transaction. Because I spoke to them and their agent alleges that they paid for the property with their funds. I want reliable evidence. Their representative rectified that they paid for the property with their own credit and with their own funds. If this is so, I demand that the credit transaction be verified, not the contract, the credit transaction that shows that they used their credit or their funds to pay for my property THE BANK CAN NOT LOAN CREDIT Law of Truthfulness in Loans, Jurisprudence and Regulation Z The Truth in Lending Act was passed to prevent unsophisticated consumers from being misled as to the total cost of financing. Truth in Lending Act, Section 102, 15 U.S.C. Section 1601. Griggs v. Provident Consumer Discount. 680 F.2d 927, certiorari granted, annulled 103 S.Ct. 400, 459 U.S. 56, 74 L.Ed.2d 225, in return 699 F.2d 642. 

" In federal courts, it is well established that a national bank is not empowered to lend its credit to another by becoming a guarantor, guarantor or guarantor for it. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S. 669.

" A national bank has no power to lend its credit to any person or corporation. '' Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied at 20 S.Ct 1024, 176 US 682, 44 LED 637.

" It has been established beyond all controversy that a national bank, by virtue of federal law that limits its powers and capacity, can not lend its credit by guaranteeing the debts of another. All contracts of this type entered into by its officials are ultra vires " Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ). 

" It is not within those statutory powers that a national bank, even if it is solvent, lends its credit to another in any of the various ways in which it could be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ).

" A bank can lend its money, but not its credit. '' First Nat 'I Bank of Tallapoosa v. Monroe , 135 Ga 614, 69 SE 1124, 32 LRA ( NS ) 550.

" ... the bank is authorized to lend money as personal guarantee ; but it must be money what it lends, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No. 12, 642, 1039.

" The contract is void if it is only partly connected with the illegal transaction and the sole or complete promise. '' Guardian Agency v. Mutual Guardian. Savings Bank, 227 Wis 550, 279 NW 83.

" Banking associations, by the very nature of their activity, are prohibited from lending credit. '' St. Louis Savings Bank vs. Parmalee 95 U. S. 557

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I sent in a police report and FTC letter to the credit bureaus XXXX or XX/XX/XXXX. Capital One was deleted from my report. However, Capital One put the card back on my report. I called Capital One to get an explanation. They said they validated the account was mine. I told Capital One I think a family member stole my Identity and applied for cards in my name and at my address. Capital One said they validated the debt as mine. In XXXX or XX/XX/XXXX I called them back. They told me I had to pay the balance, and that they could not help me. I set up a payment plan because It was affecting my score badly. Capital One would not do a pay for delete after asking. In XXXX or XX/XX/XXXX I called Capital One to get it deleted again. They refused. I called the credit bureaus XX/XX/XXXX to try to get it deleted again, and the credit bureaus told me capital One put a cap on the account to keep me from disputing the information ever again for it to be deleted.

Company response to consumer: Closed with explanation