vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2019, received an alert notification from Experian that an account from XXXX XXXX XXXX was added to my report. I did not receive written notification from the company before added to my report. Also, I have never done business with this company, therefore, do not owe this company.

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 2019-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
For the last 6 paychecks, Attorney XXXX XXXX has been garnishing 25 % of my wages without notifying me of a lawsuit against me. On XX/XX/XXXX, I called their company and spoke with someone who said that they did serve me the paperwork, however, I informed her that I was never served. According to the paperwork they have, they served me on XX/XX/XXXX at an address that I have not lived at since XXXX. I am not sure whose signature they obtained when they " served '' me but I never received any notification from them. When I notified the attorney of this, they said that I would need to send a down payment in order to stop the garnishment and start a payment plan. They have already taken {$280.00} and I already know that I can stop the garnishment through my civil courts. I would like to file a formal complaint against this attorney for illegal practices and possible forgery of legal documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I placed a fraud claim on my account on XX/XX/2019. the credit card company has stated that they have refunded my money but now I can not access my account online or through the app and my current card does not work. I was told on XX/XX/2019 that I was being sent a new card but I have not recieved one yet. I have no way of accessing my account at this time and the company has not responded to assist me. I was able to access my account 3 days ago through the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with KOHLS/CAPONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and KOHLS/CAPONE with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: CA

Complaint narrative:
XX/XX/XXXX On XX/XX/XXXX my card was cancelled without my permission by XXXXl Pre-paid. 

I was informed by XXXX Pre-paid representative stating, " our records show that we received your request on XX/XX/XXXX. Your next update regarding the status of the dispute will be available on XX/XX/XXXX ''. 

As XXXX XX/XX/XXXX, customer is unable to use XXXX pre-paid card? XXXX is withholding customer funds and can not make a purchase. 

Customer must make a purchase by XX/XX/XXXX. If funds are not placed back onto card immediately or by XX/XX/XXXX, customer will not received services. 

Customer has requested full amount of {$100.00} onto new card provided by XXXXl Prepaid Company. 

XXXX XX/XX/XXXX There was unauthorized transactions made on my XXXX   Pre-paid MasterCard : Number : XXXX XXXX XXXX XXXX Valid Thru : XX/XX/XXXX XXXX : XXXX Customer would like to dispute the transactions and a refund immediately for the following amount. 

XX/XX/XXXX XXXX XXXX XXXX Posted on XX/XX/XXXX at XXXX Memo : Debit : Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX Card ending in XXXX {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX Memo : Debit : Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card ending in XXXX {$13.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
So I was going to buy this computer program from the person. He said that it would be XXXX so I decided to buy it. PayPal charged me {$96.00} for the transaction on XX/XX/XXXX. Then PayPal would not except my dispute because it was disputed before. So PayPal wouldnt help me get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29 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: MO

Complaint narrative:
After this account was discovered that it was not mines the credit reporting agency only closed it but did not block/ removed it. I'm demanding that this account ( XXXX/ XXXX ) is removed immediately.

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 2019-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
An employee named XXXX from XXXX XXXX contacted my work office between XXXX on XX/XX/19 asking for me ; at the time I was on my lunch break, however when I applied for the loan I plainly told them that they CAN NOT contact me at work. 

On the same date, XX/XX/19 between XXXX, I called XXXX XXXX, returning their call from earlier, to discuss a payment arrangement and spoke to the branch XXXX, XXXX XXXX who proceeded to tell me since I was 3 payment behind, if I could not make payment by this Saturday, my account would then be sent to collections with legal action to follow since they verified my place of employment earlier that day. I asked him what that meant and he said my wages could/would be garnished. But they didnt call to verify if I worked there, they called asking me to return a call to them even though I told them from the very beginning I could not be contacted at work due regarding personal affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: MO

Complaint narrative:
After this account was discovered that it was not mines the credit reporting agency only closed it but did not block/ removed it. I'm demanding that this account ( XXXX/ XXXX ) is removed immediately.

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 2019-03-29 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: NY

Complaint narrative:
Fair Credit Billing Act is a 1974 federal law designed to protect consumers from unfair credit billing practices. 
After countless hours on the phone with XXXX and XXXX and countless hours on the phone with my capitalone360 it was decided not in my favor for my chargeback I purchased an item that was not gold and was requested by the credit card company 360 to get them tested to prove that these bracelets were not gold they were supposed to be XXXX XXXX XXXX gold bracelets I received steel bracelets now because I was told of a clause that XXXX had the seller or the merchant had time to respond and evidence that he resented and because he sent in his information I was canceled out because he was compliant but there was no way that he could have proved that these bracelets were real because I do own them now I had to show them pictures of me wearing the bracelets I sent them the paperwork and documentation of when I got it tested to prove that they were still and nothing was ever done on my behalf it's almost like they treated the merchant like if they were the actual Master card holder after careful instruction from XXXX I if I discovered that the merchant that I brought the merchandise from was violated and is no longer able to sell or buy goods from XXXX even knowing this Capital 360 did nothing for me so I'm asking you guys to step in now this was a chargeback that came back twice they were able to legally open it back twice on me after settling this is totally unfair and after countless hours on the phone and with them asking me to provide them with paperwork they gave me no chance it's almost like they called me a liar from the beginning because I had to go get these bracelets tested the XXXX 's page was closed by XXXX due to violations of terms and conditions even after showing them that proof it was not enough I need somebody to carefully go into this account and see to it that the right thing is done here I am 9/10 and possession of steel bracelets not 18 carat bracelets they are fake XXXX you are not allowed to do that on XXXX so I don't know how much I can express that to them even after XXXX was trying to communicate XXXX they still didn't want to do anything it's like they were more on the merchants side than the actual card holder which is me XXXX XXXX XXXX these are the dates that the transactions took place I will try to provide as much information as I can thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a loan with CHASE MTG and DPT ED/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, CHASE MTG and DPT ED/XXXX with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have a loan with XXXX XXXX and XXXX XXXX/NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX XXXX and XXXX XXXX/NAVIENT with no successful resolution. XXXX and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: FL

Complaint narrative:
XXXX XXXX XXXX  falsely reported payment dates on my credit report and also reported payments as 30 days late. The payments were not 30 days or more late. This company has their own system of how they report late payments. But credit bureaus can not acknowledge payments that were not 30 days or more late on my credit report as late payments. I have sent in documentation of my billing and payment history as well as disputed this twice through Equifax and they will not fix my error. They are saying that it was reported accurately. I recently sent them documentation proving otherwise in the company has yet to update it. All they say is XXXX is saying they Certify what they report is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/19, I listed an XXXX XXXX gift card - worth {$100.00} - for resale on the site XXXX, for a price of {$82.00}. This gift card was sold on the XX/XX/XXXX, and I received an email from XXXX  on the XX/XX/XXXX with the information that my check for {$82.00} had been sent. I never received a check from XXXX, and multiple requests for information and assistance concerning my situation have been ignored up to and including the present date of XX/XX/19

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Originally XXXX in early XXXX. 2 debts owed, one satisfied and last balance of {$220.00} for XXXX XXXX, after Money Order of XX/XX/XXXX, replacement from XX/XX/XXXX letter for returned check and I defaulted after XXXX in XXXX. 
Pressler & Pressler aka XXXX XXXX after V/M threat filed Default in amount of {$320.00} without the XX/XX/XXXX payment deducted although I confirmed with Paralegal XXXX and was to be corrected. 
Presser then served 2 Bank Levies ON THE SAME DAY OF XX/XX/XXXX to XXXX and XXXX as a garnishment, for the same amount {$430.00} each, a violation of Law. XXXX charged a {$60.00} Levy fee.

I informed that XXXX was a church and I was Secretary but was told as long as it has my SS # it is valid to Levy against. 
Informed that XXXX was a retirement income use since XXXX, even though on XX/XX/XXXX Judge Orders at NO Garnishment for 1st {$210.00} I am formally retired and unemployed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I notice an unauthorized charge on my account for {$2600.00} on XX/XX/2019. I immediately put my card on hold and went to Bank of America located on XXXX XXXX and XXXX XXXX in XXXX, FL. The told me there was nothing they can do until the payment post, to not worry about it that I was 100 % protect and I would have my funds back in my account immediately. They have me a temporary card, but they cancelled the wrong card. Its been 16 days and I still have no ATM/ debit card to access my account, Ive had to transfer funds from one account to another which is very inconvenient. My ATM card has be flagged 3 times in the last 2 weeks where my purchases are declined. Last time being today at a XXXX gas station for {$2.00} yet they did not flag my account for or decline a transaction for {$2600.00}, are you kidding me? Claims department sent me a letter dated XX/XX/2019 that my dispute was being canceled at my request, this is false never cancelled this claim, on day later I get a letter dated XX/XX/2019 stating that theyre investigation has been completed and they are not refunding my funds, completed in less than a week from the date complaint was filed on XX/XX/2019 really? They investigated this claim in 3 days. I had the claim reinstated on XX/XX/2019 and fax documentation that this debt was sold to a collection agency prior to sprint making an unauthorized withdrawal from my account, for 70 % of the debt. This transaction should have been flag and declined by the bank, never had Ive made a transaction this big on my account.

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 2019-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I originally opened my personal loan with XXXX in XX/XX/XXXX and my payment scheduled followed my bi-weekly check with a payment amount of {$230.00}. In XXXX of XXXX I contacted XXXX and submitted documents to show my change of employment and the change in payment scheduled. My new payment scheduled went from bi-weekly to bi-monthly and my pay dates were the XXXX and XXXX of each month. XXXX  was submitted a copy of my new employer paystubs and approved my new payment scheduled which began on XX/XX/XXXX. Since the change in my payment schedules which by approved by XXXX  my account has been drafted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. On XX/XX/XXXX XXXX withdrew a payment in the amount of XXXX which is twice the amount of my normal scheduled payment. This payment is not in accordance with my payment schedule. I went online and reviewed my loan contract and my payment schedule which stated that the amount payment amount to be drafted from my account on XX/XX/XXXX was to be XXXX. XXXX has refused to refund the overpayment and has stated that once payment is made it can not be refunded. I was required to contact my bank and have all transaction from XXXX blocked because they are making unauthorized transactions from my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
The home I lived in during this period belonged to a roommate. I had no utilities in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
my transunion credit score was lowered by 46 points because of one hard inquiry by XXXX XXXX which I received their credit card. I was told 10 points at the most. 
I think this is a unfair score drop. Went through a bankruptcy over two years ago I have no debt all bills paid on time, all large purchases paid by cash. Trying to build my credit back for I can purchase a house. Unfair Ty

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 2019-03-29 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: NY

Complaint narrative:
I have wrote disputes to equifax and XXXX to advise them with proof I was a victim of identity theft ( police report, FTC complaints and all personal info of mine ) that I am a victim of identity theft and that the fraudulent items I circled are not mine and to remove them according to the fcra 605b they are to do so immediately as they are not mine and are fraudulent. Both XXXX and equifax has refused to follow said laws and left said items in my reports refusing my numerous disputes to the company over the past 2 plus years. I want these companies held accountable as my credit has suffered I have been refused employment and insurance due to these companies negligence. I eant items removed immediately and I am retaining an attorney to file criminal charges in court if this is not removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: NY

Complaint narrative:
I have wrote disputes to XXXX and experian to advise them with proof I was a victim of identity theft ( police report, FTC complaints and all personal info of mine ) that I am a victim of identity theft and that the fraudulent items I circled are not mine and to remove them according to the fcra 605b they are to do so immediately as they are not mine and are fraudulent. Both experian and XXXX has refused to follow said laws and left said items in my reports refusing my numerous disputes to the company over the past 2 plus years. I want these companies held accountable as my credit has suffered I have been refused employment and insurance due to these companies negligence. I eant items removed immediately and I am retaining an attorney to file criminal charges in court if this is not removed at once.

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