vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-01 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I XXXX XXXX OnXX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will be forced to file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I contacted Medical Data Systems Inc. and let them know their information was wrong and they got the incorrect person and they ignored it and now placed a {$52.00} collection on my credit report. They need to review all the paperwork and signature for this issue and get this corrected. I saw reviews on the company that they do this kind of thing all the time to people and this need to stop.

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 2021-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
In XX/XX/2021 I had a title loan with auto money of XXXX sc. I fell behind on a payment because of the pandemic and loosing my job and they called one of the references listed on my application. They pretended to be a doctors office calling about a family member that passed away that had left a living will asking for my address where I was located to send me the money the family member left in the will. I called this number back, and asked if it was auto money, they said yes, and when I told them my name, they hung up. They misrepresented their business and pretended to be a doctors office illegally for address information. I also offered to make weekly payments before the repossion happened on XX/XX/XXXX but they refused even though they were well aware of my situation and was constantly in contact with me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7700.00}, {$4100.00}, {$19000.00}, {$6400.00}, {$37000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

3. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

4. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: FL

Complaint narrative:
Hello I have called transunion and spoke with costumer service they did not take care of this problem with removal of some inquiries on my credit report. 

XXXX XXXX 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 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Hi, I lost my American express card ending with XXXX on XX/XX/XXXX. I reported the same to bank within 2 hours and they said they have blocked the old card and dispatched the new card to me. I got the new card on XX/XX/XXXX and i activated on the same day. 
On XXXX I realized that there has been three transactions made on my blocked credit card to buy something on XXXX. 
I notified the same to American express and they said no worries everything will be taken care of. But on XX/XX/XXXX one of the charge went through and i got email from American express that they have rejected my dispute request and i am responsible for those charges. 

I am still not sure, as a customer I have asked them to blocked the card and they confirmed me the same but still the person who found my card is able to make purchase with that card. 
I filled the police complaints and Notify the XXXX also about this. XXXX was able to cancel 1 order and notified 2 different 3p sellers to cancel the same I don't understand how Amex handles customers data and security. Still I don't have any answers from American express!! Amex were not even of any help in the whole issue which was created by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior to posting, I was not notified of this alleged debt. As the original creditor, only I can validate this debt. I do not validate this debt. 

Carter-Young received a cease and desist, sent via certified mail. This debt collector 's response failed to VALIDATE this debt and they violated HIPPA by sending documentation of my medical records. This collection agency did not receive any authorization from me to access my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed the following listed account below and it should not be on my credit report. This has been dismissed years ago Chapter XXXX  Bankruptcy Case Number : XXXX Please remove it from 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 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Hello, My name is XXXX XXXX. I am contacting you all concerning the Bluebird card by American Express. They suspended/ closed my card due to some member agreement being violated. They done this exact thing to be about 8 months ago with a sub account I had on my account saying the member agreement was violated. They have still yet to give me the money out of the account. Well I let that go because it was just {$20.00}. Now today XXXX they suspended my main account for the exact same reason and saying they can't do anything about it. Unlike the other account this one has over {$500.00} in it plus my spouse and my checks go to it weekly. We literally have no way to pay our bills now because they done this. I seen where many different people said they done the exact same thing to them. I just want my money and they can leave it closed I do not care. But that's alot of money they are taking for no reason. PLEASE XXXX I AM BEGGING YOU TO HELP ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01 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 for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed the following listed account below and it should not be on my credit report. This has been dismissed years ago Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from 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 2021-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I applied for a FHA streamline refinance with Amerisave mortgage on XX/XX/2021. The rate and terms seemed good. They charged an upfront {$500.00} fee. 47 days into the process allot has come to light. 47 days for a streamline refi??? Another lender informed me that FHA does not allow for a refi until 3 consecutive payments have been made on a mortgage coming out of forbearance like mine had. I had completed a forbearance with current mortgage company in XXXX. No Payments were do in XXXX or XXXX That means when I applied with Amerisave I had only made one payment. Yet they still took the {$500.00}. All this was disclosed at the time of application. All this was disclosed during the process at different stages. Add in that I was switched to a new loan agent without even a notice. I only found out from an automated email asking to call if I wanted a mortgage. Loan processor indicated there was a debt to income problem for this FHA streamline refi. Even though income is not verified or considered. Original loan estimate said that about XXXX was needed to close. Today I was asked to verify XXXX in checking account. For what reason I have yet to know but I am assuming it is for closing. This has been an utter disaster. I am not sure if the loan agent was poorly trained or they take peoples {$500.00} no matter the case and then string them along till they go away. I have requested a refund. No answer as of yet

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by some real bad internet hackers on the dark web. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; I demand that the following account be verified or removed immediately : 15 U.S. Code 1692g - Validation of debts XXXX Account # : Closing Date : XX/XX/2018 This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal has unfairly debited balances of my account with them, despite providing foolproof Proof-of-Delivery and neutral third-party evidences to PayPal for their perusal. Herein attached image depicts the PayPal cases, amount in question, and occurrence dates.

It is extremely bias and unfair to honest sellers like myself to sustain this monetary lost due to PayPal 's indifference for these. 

PayPal with the supporting documents, decided to take the easier way out and let the fraudulent buyer get away with it, and refunding the payment back to the fradulent buyer. I have lost both the funds, and also the delivered assets. 

Upon further research in public domains, I see many complaints on PayPal of similar nature too, thus writing in here to hopefully make our voices heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, my fico 8 score was a XXXX. I had 3 soft pull inquiries from 3 financial institutions ; XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX, which raised my score by 15 points. XXXX XXXX, XXXX, I applied for a XXXX XXXX credit builder account ; I made early payments 2 times in 2 months and was promised my fico 8 would raise by XXXX points if it was not subprime ; little to no credit at all, but was only rewarded 30 points total. XX/XX/XXXX, I started working full time and had the utilities that are accepted by Experian boost put in my name. Experian boost promises to build your fico 8 by 6 points each streaming service, cell phone services, and utilities. I purchased all 6 streaming services ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX, and my fico was supposed to be raised by 36 points. XXXX and XXXX  XXXX are the only utilities Experian boost accepts to boost ; 12 points. I also have 2 cell phones with XXXX  and XXXX  ; 12 more points with Experian Boost. I also have a XXXX  debit spending account, which promised to raise my fico 8 by 35 points. I recently opened a 2nd XXXX XXXX account on XX/XX/XXXX, which promised to build my fico 8 by 45 points if an account is {$1100.00} in good standing by the sixth month. XX/XX/XXXX, is the 6th month and my score of 8 has not been reported on my Experian by the FCRA yet. XX/XX/XXXX, I recently applied for 2 credit-building accounts ; XXXX and XXXX. XXXX is to build my fico by 45 points within 6 months ; XX/XX/XXXX with Experian. XXXX builds by 45 points with XXXX  and XXXX  XX/XX/XXXX. Due to the Covid 19 Pandemic, XXXX states no penalty for not being able to pay your bill ; the 1st time I have heard anything like this. Due diligently, XXXX helped me find the answers to a lot of the financial literacy questions I have. Experian customer service representative named XXXX, told me nothing was resolved. 

XXXX Starting Fico 8 15 3 financial institutions 30 1st XXXX XXXX  Credit Building Account 12 2 utilities ; XXXX  XXXX/XXXX 12 2 cell phones ; XXXX/XXXX  35 XXXX  Spending Account Debit 36 6 Streaming services ; XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX = XXXX 45 2nd XXXX XXXX Credit Building Account = XXXX By XX/XX/XXXX ; the 6th month 45 XXXX Credit Building Account by 6th month ; XXXX XX/XX/XXXX = XXXX By XX/XX/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 2021-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PAYPAL INC by mistake deposited the amount of approx {$1200.00} in my personal ; bank account, I spoke with two representatives and one supervisor about this problem and PAYPAL instructed me to submit a personal check to the PAYPAL Accounting Dept. Thus, immediately after, I returned the funds four weeks ago via personal check.

I have mail confirmation that they received the check in full payment.

However, PAYPAL is making collection calls asking for the payment of {$1200.00}. I offered to place a stop payment on the initial check and send another check or provide my check number and bank information for PAYPAL to take the funds. However they blatantly refuse. Instead PAYPAL insist that I must open a PAYPAL " cash account '' with them in order to make the payment. This is a unfair practice an illegal. PAYPAL is forcing me to open a PAYPAL " cash account '' or run the risk of being reported to Credit Bureau. Thus, illegally gaining additional business - from the " error. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX in XXXX, la and made a down payment for the XXXX XXXX XXXX that was XXXX. I declined the gap insurance and when i got home to view my credit acceptance portal i noticed XXXX XXXX dollars was added on for interest which that is more than what the car is worth and was not advised about that at the dealership. I've contacted the dealer but no reply yet. It's sad to be ripping people of their hard earned money. I have kids an struggling as it is now. The car been giving me problems the next day i got it. Interest rates a day that's ridiculous. Almost XXXX for a used XXXX car? That's sad!

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 2021-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2021 my PPP Loan was deposited in my chase account so I went to handling my business stuff and boom my account is locked because suspicious activity I called and verified my identity a million times and even got hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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:
My paypal was closed without any reason, I sent all the documentation requested for them to verify my identity, and they decided to close my account with all my money for 180 days, the paypal in question has more than {$2000.00} usd and they do not give me a solution and no explanation why my account was closed, I am not a seller, I just collect some payments for playing video games online, paypal just closed my account and did not give me a solution, all my money is lost. Thank you for your time and reading my problem. The email linked to paypal is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2021 Pay Pal made an unauthorized with drawl from my checking account.for {$760.00}. I contacted Pay Pal about the {$760.00} and ask who and why was this unauthorized done. Pay Pal said they take complaints in the order that PayPal get the complaint on XX/XX/2021 I call my bank to block Pay Pal from making any with drawls with out authorization from me.. The XXXX Police Department made an event report I changed my Pay Pal pass word and it worked. 
On XX/XX/2021 Pay Pal has blocked me from contacting Pay Pal or using Pay Pal services. 
I want an explanation from Pay Pal as to why this took place. I want my money [ {$760.00} ] returned to my checking account. I want to be able to see how much money is in my Pay Pal Account.

Company response to consumer: Closed with non-monetary relief