vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Venmo charged me a fee for " purchase protection '' per usual with many transactions. One transaction did not go well, which resulted in myself having to file a dispute for " not receiving merchandise ''. As shown in the attached supporting documentation that makes this statement factual, venmo has gone through many lengths avoiding their obligation to insure the loss of funds from the transaction. The claim was denied for many different reasons that had no truth or ground to it. Some excuses didnt even make sense because their reason was wildly irrelevant such as " terms of agreement state crypto currency is not eligible to be refunded '' or " didn't respond to request in time ''. I have spent several days trying to resolve this with them, making one appeal at a time then it getting denied for an outrageous irrelevant reason. Even their own staff are confused at the answers and explanation for these denials which is shown in attached documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX Have both violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
This was the agreement if paid it will be removed off my credit report still there that was the agreement

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 2023-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Foursight Holding LLC
State: AZ

Complaint narrative:
First let us talk about the response by Foursight Capital to you on this same issue in a prior complaint. 

They claimed that they had a problem reaching me by phone. XXXX XXXX XXXX XXXX cell phone number has not changed and I have never received a voicemail from them with any pertinent information. 

The stop payment was called in on XX/XX/2022 XXXX day before the payment was due, butthey had already processed the payment XXXX day before the due date, apparently so that they had it on the due date via theXX/XX/XXXXou can verify this date by contacting XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, because I was there on an appointment to call Foursight and get a pay -off of the loan ' Then they appear to clam that I had to make payments for XX/XX/XXXXmonths at XXXX percent and had no option to pay off the loan sooner, however in 2022 I got XXXXXXXX XXXX quotes as I went from refinancing the vehicle to sell off an investment and paying them off in cashiers check on XXXX XXXX in the amount of {$25000.00}. On XX/XX/2022 they showed the loan as closed on my credit report with a XXXX balance due, but have since claimed that I still owe for a late charge of {$410.00}, apparently for the payment due XX/XX/2022, when they were paid in full XXXX days prior. It is now in month XXXX after they reported the loan paid in full with a XXXX balance. Last week, I went to the Arizona XXXX office and asked about how to get a replacement title. The agent said if all else fails I can pay for a bonded title, but it is expensive, so she suggested I send them a Lein Release first, and so I did that via fax and explained that the return document had to have a wet ink signature, and suggested they return it in the prepaid and pre-addressed Priority Mail envelope that had accompanied the certified check in XXXX. The fax was received, and no XXXX XXXX has been received this week. 

They also admitted that they continued to process the auto pay payments for XXXX more months, until XXXX of 2022, and were applying the payments first to the unapaid late charges and NSF fees created by the failure to stop the auto payment in XXXX, thereby leaving me to pay the charges they created when I paid off the truck in XXXX. Most of the charges were therefore illegal because they were churning a checking account that had been blocked by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX My mother got it for XXXX for me ( at XXXX XXXX  ) card worked the first day, was able to buy a little something and after that, I wasnt able to check the balance. The site kept saying my card number was invalid, tried to buy XXXX pizza and the site gave an error. The card had {$200.00} in it and i tried to call customer service, immediately got hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME FROM EXPERIAN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IN THE ATTACHMENTS ARE XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 non-monetary relief
Consumer complaint received 2023-01-12 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: MS

Complaint narrative:
I PREVOUSELY COMPLAINED TO THE CREDIT BUREAUS AND FILED A COMPLAINT WITH CFPB THAT I DID NOT WANT XXXX XXXX SHARING ANY INFORMATION TO THE CREDIT BUREAUS. I FILED THIS ON XX/XX/XXXX WITH YOU, CFPB, AND MORE THAN 30 DAYS HAVE PASSED AND THE CREDIT BUREAUS HAS NOT RESPONDED TO MY COMPLAINT FOR PROOF. EQUIFAX RESPONDED ON YOUR WEBSITE ON XX/XX/XXXX THAT THIS IS MY ACCOUNT, BUT DID NOT PROVIDE PROOF OF SHARING PERMISSION FROM ME. 
AND I REQUESTED PROOF FROM XXXX XXXXED THAT THEY RECEIVED PERMISSION FROM ME TO SHARE MY INFORMATION WITH PROOF. EQUIFAX OR XXXX XXXX DID NOT DO SO WITH 30 DAYS. NOR DID THEY GIVE A LEGITIMATE FOR AN EXTENSION OF TIME. 
I WANT THIS ACCOUNT IMMEDIATELY REMOVED FROM MY 3 CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I asked the credit report company to verify everything on my credit report and they did they stated everything is verified accurate on my report I did a thorough investigation myself in found improper inaccuracies on the CREDIT report after they did there thorough investigation. 

In accordance with the fair credit Reporting Act XXXX  Account # XXXX date open XX/XX/2018 XXXX XXXX XXXX Illinois actions negative remarks XXXX XXXX  credit card XXXX # XXXX XXXX File number XXXX reporting name wrong XXXX XXXX and his account are not mind my name is XXXX XXXX XXXX XXXX XXXX don't confuse me with relative the other company says it meets FCRA but transition keep verifying as accurate

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 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXXThese companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX and XXXX XXXX XXXX and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my XXXX. XXXX XXXX XXXX is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for XXXX XXXX XXXX  they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX and they are charging me for an unknown service that I have no knowledge of because before even having my baby They were asked do they take my insurance and the hospital that performed the XXXX ( XXXX XXXX XXXX, IL ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also Transunion deleted it off of my account now XXXX and XXXX are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute. And I also have an unauthorized hard inquiry from XXXX bank that shouldn't be on my file

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 non-monetary relief
Consumer complaint received 2023-01-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX.These companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX and XXXX XXXX XXXX and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX. It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my XXXX. XXXX XXXX XXXX is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for XXXX XXXX XXXX  they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX and they are charging me for an unknown service that I have no knowledge of because XXXX XXXX XXXX XXXX XXXX They were asked do they take my insurance and the XXXX  that performed the XXXX ( XXXX XXXX XXXX, IL ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now XXXX and XXXX are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute. And I also have an unauthorized hard inquiry from chase bank that shouldn't be on my file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX  contacted by XXXX XXXX XXXX XXXX with a reference number XXXX about a debt on a vehicle through Ally and XXXX. I do not have the exact number, but a little over {$4000.00}. They had my name, last XXXX of social, my phone, my parent 's phone, my brother 's phone and said they were sending out a summons to a judge for decision in XXXX days. I responded to go ahead because the vehicle in question is not my vehicle, but another family member 's who has the vehicle paid off and title, I have never opened an account with XXXX or Ally, however a family member did and the account was paid off. However, they insisted that the loan and " debt '' was under my name and social which is incorrect. They said they would continue with litigation and the summons sent out. The facts are, my social was never used for the purchase of the car, though they had the last XXXX, and I do not in fact own the car. All vehicles under my name and social are likewise paid off and titles in hand.

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have autopay to pay Kohl 's bill monthly and my checking account info on file so payment can be deducted My XXXX payment did not get deducted and I was charged {$29.00} for past due I called Kohl 's customer service on XX/XX/XXXX and spoke with a man who did not listen to me. He just kept asking for a payments I'm trying to rebuild my credit since my husband passed away In XXXX This infuriates me Due to incompetentcy on Kohl 's part

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had a dispute with capital one XXXX XXXX XXXX billed on XX/XX/2022 for XXXX. They keep asking me to solve with XXXX XXXX instead help me and protect my rights. 

I do confirm the package was delivered to me by XXXX Tracking XXXX. 
However there was no merchandise inside the box, I only received an empty box. There were signs of the package was forcefully opened and nothing was inside the box upon my reception. 
Per the advice of XXXX XXXX, I contacted the police and Kiled a police report # XXXX. XXXX XXXX told me they will get back to me after 15 working days, however, no response was received. 
EMPTY BOX RECEIVED, NO MERCHANDISE WAS INSIDE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/1922, i purchased a item online from a company called XXXX XXXX I paid {$360.00} for this item I've filed over XXXX disputes, rebuttals, and dispute and they keep getting denied a couple minutes after I file them this item was returned back to the merchant because the item i ordered was not what i received the XXXX was damaged XXXX nit as advertised i paod XXXX for things I ordered I shipped this item back to the merchant on XX/XX/1922, the merchant ashinmary hair received this item on XX/XX/1922, they merchant emailed a verbal agreement, saying once they received the item ba k they'd send me my full refund, XXXX that went from you posted a fake review up about us if you removed the trustpilot reviews we promise our ma XXXX will via XXXX or directly to you take the post down the merchant trying to blackmail me and withholding my refund after they already received they item back they also said they'd pay half for the shipping they didn't the chime investigation team is helping this merchant and not the chime customer they are supposed XXXX help me they reasons for denying my credited refund is because error in validating transactions I don't understand i used the chine card I sent then the XXXX transaction i.d . number the receipt all the emails of out conversations, pictures of the wig i have called this chine bank over XXXX times. Each time they denied my dispute I never received a email so I wouldn't even know the dispute was denied I've been doing this for 3 months calling XXXX times a day going in circles XXXX. XXXX has no XXXX no supervisor no ceo no headquarters i read they are not legal to be running a. Business it says XXXX XXXX  and stride bank owns chine bank finacial card they won't talk to you either they make it to where there. XXXX to contact t to help you only the intake people the dispute supervisor who's to are only intakes than the dispute investigation team whom your. It allowed to talk to so they can make wrong decisions on your money and you XXXX  complaint it's a scam this is like XXXX  they do the same thing i need my refund chine bank is supposed to help me the merchant will not give me my return the merchant is in XXXX it's international theyvare both trying to stall til I getvtired and leave

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS SELF FINANCIAL ACCOUNT XXXX IS REPORTING INACCURATE ON MY CREDIT FILE. THIS ACCOUNT IS PAID IN FULL AND ACTUALLY NEGATIVE OWING ME A CHECK THAT HAS BEEN PROCESSED OUT TO ME. I NEED THE LATE PAYMENT HISTORY REMOVED AND BALANCE UPDATED TO REFLECT XXXX  BALANCE IMMEDIATELY OR REMOVE THIS ACCOUNT COMPLETELY FROM CREDIT FILE

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 non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
XXXXXXXX XXXX were transferred from XXXX to Mohela in XX/XX/XXXX. Was initially told not to resubmit XXXX paperwork. Then told to submit so I did. Submitted paperwork with no updates and numbers constantly at XXXX XXXX. In XXXX, rebsubmitted XXXX forms as I believed payments to be at XXXX. Since then, was told there was an error with the form. I called and confirmed there was no error. They said they were re-processing. Every time I call, they say the same. XXXX called and spoke to someone who said there are " mistakes '' and they'd transfer me to supervisor. Next person said not a supervisor and repeated they would re-process the forms. I said transfer me to supervisor. Waited on hold over an XXXX XXXX  XXXX XXXX with no transfer. 
My payments are at XXXX and are missing XXXX Payments should be over XXXX. I have XXXX PSLF forms : XXXX ) XXXX ( understand program started in XXXX ), and XXXX ) XXXX XXXX. I have submitted both forms each time. There is a gap in my employment which is why there are XXXX forms. It is outrageous that nothing has been done and all a representative can say is they will submit the form to be re-processed each time I call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: HI

Complaint narrative:
The account # XXXX has been removed from the consumer report, re-aged and placed back on the consumer report. Furnisher is reporting inaccurate " Date opened '' information. Furnisher is reporting inaccurate payment history/Missing dates. The furnisher has reported the account on the consumer report more than 7 years. The account has passed the statue of limitations. Furnisher is reporting inaccurate balance information. Furnisher is reporting inaccurate business contact information/address in the consumer report. Consumer attempted to contact the furnisher by U.S. mail to dispute the inaccuracies and mail was returned to sender ( please see attached mail image ).

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