vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I tried to use my debit card in a store my card was declined and I received a email stating. 
this. 

Dear XXXX, We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. 

Questions? Give us a call at XXXX. We're available XXXX XXXX XXXX XX/XX/XXXX. ET. 

Thanks, Capital One XXXX XXXX XXXX XXXX.XX/XX/XXXX MN XXXX Products and services are offered by Capital One, N.A., Member FDIC. XXXX Capital One. All Rights Reserved. 



I contacted them right away to confirm my account activity and I was told someone would reach out to me and if I have any questions to email them at XXXX XXXX # XXXX I have been emailing them since then no one has made and y attempts to contact me either by phone or email. 

I called back a couple days later they said the correct email is XXXX Ever since then I dont know which one is the correct email abs which one is not the correct email as no one in there office gives the correct information when you call. I get the run around with every representative that answers the phone. One hand doesn't know what the other hand is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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 due to false accusations from customers via XXXX causing it the Paypal account to be suspended and will not help me with getting it back up and going. I am a trusted seller on XXXX with over 40 five star reviews proving how safe I use Paypal. I rely on Paypal hugely is a source of income and without it I struggle. 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 the Paypal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX To Whom it may concern, This letter is a follow up to my original letter dated XXXX XX/XX/XXXX ) regarding an inaccuracy in " Equifax Credit information services, inc '' credit reporting. specifically as it relates to credit inquiries that I did not authorize, made by the following companies : 1. XXXX CARD SERVICE Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX- XXXX XXXX Date : XX/XX/XXXX 10. XXXX XXXX XXXX : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX CARD SERVICE Date : XX/XX/XXXX 14. XX/XX/XXXX Date : XX/XX/XXXX 15. XX/XX/XXXX XXXX Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the fair credit report act section 1681b ( c ) and a serious breach of my privacy rights. 



Equifax is still at Failure to respond satisfactorily within 30 days of receipt of the certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX To Whom it may concern, This letter is a follow up to my original letter dated ( XX/XX/XXXX ) regarding an inaccuracy in TransUnion, LLC credit reporting. specifically as it relates to credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 6. XXXX XXXX XXXX Date : XX/XX/XXXX 7. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX 9. XXXX XXXX Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the fair credit report act section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-02-25 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: OR

Complaint narrative:
I am requesting a refund for {$170.00} from JPMCB for a dispute that was ruled in my favor the day after I paid this charge reluctantly by phone via XXXX XXXX that processed on XX/XX/XXXX. I was not able to stop payment on this transaction as it already posted to their accounts receivables the day this dispute ruled in my favor as I proved without doubt that this supposed debt was already taken care of prior to me closing all my JPMCB accounts including my debit card and all privileges to online services as a result. 
Since I had no online services I could not see what secure message they kept sending my via email and when I called the bank no one there seemed to be able to help as they passed me off to another department once they deemed they could not answer any of the questions posed to them. This is a trend with this bank along with the agent either transferring quickly so one could not detest the transfer or them just flat out hanging up on me. I tried on numerous occasions to prove my case but no one took any accountability into looking deeper into this case so they bounced me between customer service, Chase Freedom card ( ending in XXXX ), claims and their own dispute dept. 
Since I had no online privileges and the companies refusal to send concise copies of the debt they claimed to be my own and their reluctance to provide documentation on paper as tho these secure messages or the actual dispute that they claim I owed I was in fear of incurring a late charge -- so when I paid this amount of {$170.00} the representative said the actual charge was {$160.00} but the extra {$6.00} was still outstanding on the account but was also not true because I closed all accounts without owing anything with {$0.00} balances. 
This charge was tagged onto my Chase Freedom card ending in XXXX that I subsequently paid on XX/XX/XXXX using my XXXX checking account ending in XXXX and posted as paid to Chase on XX/XX/XXXX the day I won this dispute after providing more documentation to prove my prior payment to the XXXX Disputes Team. This charge has also been removed from my XXXX account and balance {$0.00} now reflects to when this account closed XX/XX/XXXX. 
Please reach out to JPMBC to get a refund on this payment for which I didn't owe as I have repeatedly tried to work with this bank but they never wanted to work with me. 

JPMCB CARD Account XXXX XXXX Disputes Report Number : XXXX Date Generated : XX/XX/XXXX Thank You kindly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: CO

Complaint narrative:
There's an inquiry on my TransUnion consumer report from a company I do not recognize. I don't have an account with them, please remove these accounts and inquires. 

TransUnion Credit Report Company : XXXX XXXX Inquiry Date : XX/XX/XXXX Company : XXXX XXXX Inquiry Date : XX/XX/XXXX Company : XXXX Date Account Opened : XX/XX/XXXXXXXX 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 2021-02-25 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: SC

Complaint narrative:
I sent a Certified Dispute Letter to Equifax ( XXXX # XXXX ) and it was received on XX/XX/2021. 41 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I opened a paypal account in XXXX XXXX. I sold 1 police/fire scanner and 2 ham radios. It was a total of XXXX that was deposited into to my paypal account. Then tried to withdraw the first amount to be avaliable and had to wait 72 hours. Then account was limited. They requested documentation to remove limitation. 

1 ) drivers licence 2 ) explaination of items and why I sold them 3 ) copies of receipts for sold items. I purchased these items legitiamitly and they are my personal items that i no longer have a use for i explained to them numerous times. A complete runaround. 

I supplied them with all requested documents on XXXX XXXX XXXX. As of XXXX XXXX XXXX my account is still limited and funds are still on hold with no access to them. 

I have called 4 times and you always get told it is going to there back office. You can not talk to a person in there back office to resolve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 40 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have collections on my account which are not mine. Ive sent a Dispute on all my 3 credit scores 2 weeks ago and have not receive any results. Please have collection removed which are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I have 25 inquiries from XX/XX/XXXX to XX/XX/XXXX that dont relate to me

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 2021-02-25 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have 25 inquiries from XX/XX/XXXX to XX/XX/XXXX that dont relate to me

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 2021-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
I was born and raised in XXXX I just moved to XXXX  on XXXX XXXX ... I ha e reached out to the debt which is only XXXX ... its not mine is there anything we can do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: OH

Complaint narrative:
I have sent in multiple written disputes to Equifax credit bureau regarding the extreme amount of inaccurate information and balances that are reporting on my credit report. The 1st letter that sent, via certified mail, was on XX/XX/XXXX. On XX/XX/XXXX, i received a online notification that an investigation was in progress. On XX/XX/XXXX, i received notification that that an investigation was completed ; the inaccuracies remained on my report and they continued to violate the law. Equifax also failed to grant my request to provide the original documents/ signatures used to verify that the information was 100 % accurate along with FRCA guidelines. Also, on XX/XX/XXXX, I mailed in a follow-up dispute to challenge the inaccuracies, and i also the requested the method of verification as well. As of XX/XX/XXXX, I have not received any correspondence from Equifax. The company continues to violate the FCRA by reporting erroneous information that is damaging to my credit report. Below are the following accounts that I have disputed with Equifax : XXXX XXXX Balance- $ XXXX Reporting as 11 charge-offs, along with an inaccurate balance and reporting. XXXXXXXX XXXX : Balance- $ XXXX Reporting inaccurate information as a charged- off account, along with incomplete information. Equifax continues to report as 100 % accurate and verified. XXXX  : Balance- $ XXXX XXXX XXXX XXXX XXXX was recently listed as the creditor reporting on this account. I requested validation of debt directly from the XXXX XXXX, via certified mail, and they refused to comply. Equifax removed XXXX XXXX XXXX as the creditor and added XXXX. This information is inconsistent with the information report my XXXX credit file. XXXX XXXX : Balance- $ XXXX Incomplete information and an inaccurate balance. XXXX- $ XXXX XXXX- Balance- XXXX XXXX Listed as a duplicate. XXXX XXXXXXXX XXXX XXXX XXXX Reporting inaccurate information that there is a past due amount of {$2600.00}. Equifax has failed to conducted a thorough investigation and to ensure that this account is reporting 100 % accurate. Also note : My name is XXXX XXXX, and I this is not a third party person, such as a credit repair company filing a complaint. I am filing this complaint on my own behalf. The 2 written disputes that I have submitted to Equifax have been sworn affidavits, that requires a signature in the presence of a Notary Agent. I also have receipts verifying that all of my correspondence was sent by certified mail, which bears my signature as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: DISCOVER BANK
State: GA

Complaint narrative:
I have 25 inquiries from XX/XX/XXXX to XX/XX/XXXX that dont relate to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TX

Complaint narrative:
I have an online account for which I pay monthly with Experian and I have been trying to get a fraud account of my credit file. I contacted Experian to get this resolved and they assigned me a dedicated person from work with however I can never reach this person after several attempts. I want this entire issued resolved and no one seems to take me seriously. I have attached numerus emails and then the problem with their system when trying to upload the items they requested.

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 2021-02-25 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: VA

Complaint narrative:
On XX/XX/2020 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. I just got a copy of my credit report and there is misinformation about my residence that claims wrong information regarding my place of residence that makes it that much more difficult for me. So the apartments that I live in used in was a XXXX XXXX XXXX a couple of years ago but was remodeled and turned into actual long term apatments with a lease being signed and its definatly not a hotel anymore. For some reason on my credit file it has a special section that says my main address is a hotel/motel. Thata not fair and its holding me back in a couple areas of getting my credit score up. The apartments I stay in are named then XXXX XXXX XXXX. The address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA. I have a signed lease agreements that make the info on my report incorrect.

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 2021-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I have a private student loan with Sallie Mae and they denied me lower repayment plan so that my loans go further into default. I have been calling them for 2 years now pleading with them to please get me into a program to lower my payments so that I will be able to pay EVERY MONTH. Instead of temporary forbearance, disaster forbearance-these are all temporary and will make my balance increase! I have explained that what they are offering is just a " bandaid '', because when forbearance period is over, I'm back in the same position as before except now I owe more! Every month, I get a new account manager that reads me the same script over and over and they only suggest forbearance, I have chose forbearance previously because agents said that was my only choice- because it would give me extra time to figure out how I can pay $ XXXX $ XXXX monthly! When I initially applied with Sallie Mae, they were offering income driven repayment plans, they stopped offering Income Driven somewhere before I graduated college but I did NOT know this.When I graduated, I was shocked to learn that they no longer offered that so I have been struggling to pay them for 2 years now. I'm now 2 days away from charge off because they're in 4 months default and they STILL will NOT allow me a lower repayment plan! I have been complaining to them for so long now saying that I want to pay my loans, I just need lower payments to ensure that I'm able to pay every month with no issues. I expressed to them that this would be the best option because at the minimum, I would be making payments to prevent default. They denied me lower payments so that my loans go further into default! Instead of working with me on this issue, they prefer to call my cosigner, his ex wife, and other members of the family who have nothing to do with this nor do they know about any details regarding my loans! I speak to agents at Sallie Mae several times every week and nothing is ever resolved. It makes no sense to me. As if harassing phone calls will make money suddenly appear! Very shady practices is what I'm dealing with here with SALLIE MAE.

I owe {$160000.00} and graduated from college 2 years ago.

Because college is unreasonably costly, and college is encouraged to advance our careers when we graduate-the only financial aid that is offered are these private loans. I have been proactive since day one and here I am 2 years later WITH NO RESOLUTION EXCEPT DEFAULT. Because this is how Sallie Mae profits, very sad and disheartening for someone who wants to pay off my student loans..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation