vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I recently filed a dispute against PayPal due to one of the unauthorized charges to my XXXX XXXX   checking account for the total amount of {$1600.00}. Fortunately, my bank reversed this unauthorized charge. 
What happened was PayPal changed their policy and started to charge certain percentage of fees for all CANCELLED XXXX transactions as what happened to me. 
I sold a merchandise on XXXX on XX/XX/XXXX and received a payment of {$1600.00} including {$50.00} shipping charges. This money went into my PayPal account directly as it has been linked to my XXXX account for years. Next day before I ship out the item, buyer contacted me, requested me to cancel this transaction and issue a full refund, which I did with no other choice. 
I thought this transaction/fund/fees shouldve been reversed through my PayPal account as I did not withdraw any fund from it. 

Few days later, I was shocked to find out my XXXX XXXX checking account had been withdrew for the entire amount of {$1600.00} by PayPal due to their nonrefundable fees. I was glad my account had enough balance at the time ; otherwise, I would be paying overdraft fees as this is totally unexpected. I personally believe this is not a legalized practiced for any online business because they did not inform me when they changed their policy nor deducted money directly from my bank account without my authorization. I believe any % online transaction fees should've been fully reversed when it is CANCELLED within reasonable time. 
Im not sure when Paypal changed their policy because it was not how they used to practice. 

Now, they claimed my Paypal account has a negative {$48.00} ( incurred solely by the cancelled transaction fees ). They also limited all my online activities ; I can not even close this account without make the payment. Frankly, I do not believe I owe Paypal any money. 

Paypal is NOT operating fairly with their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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:
In XXXX of 2019, settlement was reached with two of four accounts with XXXX XXXX. Submitted in late XXXX paperwork to Experian, a copy of the settlement agreement with my legal team and XXXX XXXX. Provided online checks to XXXX XXXX and with a copy of the settlement. Experian, adjusted the amount to show balance - paid amount, not the XXXX  balance agreement of the settlement. Please adjust the account to a XXXX  balance per the settlement Experian has a proven record of " delayed '' and " error reporting '' of consumers credit reports. Needs 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 non-monetary relief
Consumer complaint received 2019-12-06 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: RI

Complaint narrative:
I disputed a charge because the company never sent me the replacement bulbs as they indicated they would. Capital One credited my account while they investigated. Then, the company sent them falsified paperwork supposedly proving that I received the replacement bulbs and indicated in that paperwork that they called me to make sure I received the replacements in good working order and that I confirmed via telephone that the problem was resolved. This was simply not the case. I never received the replacements and I never received a call from the vendor ( see attachment ). In fact, the information that the company sent Capital One actually proves my case and not theirs ( see attachments ). Despite having pointed this out to Capital One, they put the charge back on my account claiming that I did not follow their procedures. 
The procedure they are referring to is that they asked me to seek a second opinion via letterhead from a similar company indicating what the original vendor did incorrectly. I refused to do this as this is a ridiculous request and I was not going to waste more of my time ( and someone else 's time whom I didn't do business with ) when it's obvious what the company did incorrectly. I told them if they wanted a second opinion, they could seek it out themselves - considering that ANY normal and reasonable company would indicate that to fix this, they would send the replacements - it's that simple. Capital One indicated via a followup phone call shortly thereafter that me not providing that second opinion was the reason why my dispute was being resolved in the company 's favor and that they were putting the charge back on my account due to " compelling evidence ''. 
This practice of making the consumer seek second opinions in order to resolve disputes seems like a ploy that credit card companies use to make it difficult for consumers to pursue disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on XXXX i deposited a XXXX check at chase bank XXXX XXXX XXXX XXXX XXXX XXXX which was given to me from a client from Florida who rented a XXXX and paid me with a check and this was not the first check he paid me with and have never had issues with this person. Since he is a business owner he prints his business and personal check which is pretty normal now and days. The bank held the funds and never released them and its been over 2 years now and they still have my money the check cleared there was no fraud and the money was never recalled and the client sent me a screenshot and bank statement showing the funds were taken out of his account. I have called chase countless times in the past and they told me they were going to send the money to the states lost property what the heck is this? I just want the money they owe me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 2019-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: LA

Complaint narrative:
They called my work, left message fir me to return call to XXXX XXXX XXXX ask for XXXX And that it was urgent concerning a very important matter. So what does my coworker do, she XXXX  the number and says it discover card about a outstanding balance ... 
Very embarrased to say the least.. could not even do my job, so nervous

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Chase bank customer more than 5 years. I opened checking account 6 years ago and always have around XXXX balance. My firs credit card was opened 5 years ago and balance always not more than 10 % of utilization. Second card I opened 8 month ago and this was my last recently opened account. Always using my cards and never had late payments and utilization max 10 % .I opened business credit card with them 2 weeks ago and didn't use it yet. 
Chase bank closed my accounts instantly with false explanation. They send me letter that reason is too many recent opened accounts which is false, because in this last 2 years I opened only 4 accounts and recently opened one was 8 month ago! 
Second reason was too many inquires which is also false. I have only 2 inquires on XXXX, 2 inquires on XXXX  and 5 on XXXX  in this 2 years. 
Attached will be copy of my bank statements and credit report screenshoot as a a proof of my letter. I feel discriminated because of my bad English. I have a good job, I have a very good credit and taking care of it very serious. I feel very disappointed and offended. 
Please help me result this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXXI made a " forced '' payment arrangement with an agency which represented itself as a representative of the Department of Education, all this after having tried numerous attempts with the Department of Education directly to reach payment arrangements with them which were in vain since they always rejected my request. 
All this was based on an alleged document they had sent which I never received since it was sent to an address in which I did not reside and I had moved about 5 years prior. Since then it has been an ordeal with the Department of Education. The first thing is that after having made the payment arrangement with Coastal Professional in which they assured me that I would not have any problem as long as I fulfilled my monthly payments for which I allowed them direct debit from my bank account, in addition to making sure that After 9 payments I could reach a direct payment arrangement with the education department, this was never to happen. I had been making the payments properly, they got into my salary and took monies which came from my employer, when I complained they blamed to the Department of Education for this, when I complained to the Department of Education they blamed Coastal Professional and thus nobody was responsible for any explanation that asked. I started a complaint process directly with the Department of Education because they had not complied with the treatment through the agency that represented them and for the supposed document that was not my fault they would send it to an address in which they no longer resided. They had a deadline to answer me which they did not meet if at that time they did not answer they had to stop the debits of my salary, for which I also had to call them. My surprise was such that after 10 or 12 payments with Coastal professional in more than one occasion I called the Department of Education they told me that they had no notification that I was paying through any agency, then I explained that payments were being debited from my bank!. Anyway, the agency constantly asked me for documents because I decided that what I sent them was not clear, which was false, they suddenly stopped debiting me from my account and in the middle of that process they also kept money from my refund ( IRS ) Again I complained again because they did not answer me or give a solution to my case, they could not do it again, for the last time they blamed each other again Collection Agency vs. Department of Education. They never answered me or solved anything, they took money from my salary, they charged through the agency and in 2 occasions of my IRS refund. Even so, the debt appears to me in the credit bureau, they reactivate it constantly and I have the fear that the IRS will also claim some kind of lean against my taxes yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 2019-12-06 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I asked them to stop calling my phone they call a couple times a day and wont give u any information unless u give them personal information I asked them to send me a letter they did not. This is my second complaint against them and I will Keep filing they are very rude

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THOSE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY REPORT. PLEASE HAVE THEM REMOVE OFF MY FILES.

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 2019-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
ON XX/XX/2019, I BOUGHT A NEWXX/XX/XXXX FROM: JXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 

($XXXX  WORTH DEALERSHIP PRODUCTS I NEVER ASK FOR) 

ON XX/XX/2019 I REFINANCE MY AUTO LOAN WITH XXXX XXXX XXXX XXXX WITH A LOWER RATE AND BETTER TERM. 

I WAS ADVISED THAT 4 PRODUCTS WERE ADDED TO THE LOAN WITH OUT MY KNOWLEDGE IT WAS ADDED TO THE FINANCE AMOUNT. 

I WENT BACK TO THE DEALER ON XX/XX/2019, AND ASK FOR THE GM OF THE DEALERSHIP, AFTER WAITING FOR 1 HR, XXXX XXXX  CAME OUT AND TOLD ME THAT GM WAS TOO BUSY TO TALK TO ME AND HIMSELF WAS TOO BUSY TO ASSIST ME. TO COME BACK ANOTHER DAY OR EMAIL THE CANCELLATION DEPT. 

I TRULY THINK WAS WAS MISTREATED AND NEED THIS MATTER FIX ASAP. 

I WILL FILING A COMPLAINT WITH TEXAS DEPT OF LIC AND REG, 
"ENFORCEMENT DIVISION"

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I can not pull my Equifax credit report. 

My address is : XXXX XXXX XXXX XXXX SC XXXX My ssn number is : XXXX My date of birth is : XX/XX/1986 My information must be mismatched in the system. So please make sure that it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THOSE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY REPORT. PLEASE HAVE THEM REMOVE OFF MY FILES.

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 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THOSE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY REPORT. PLEASE HAVE THEM REMOVE OFF MY FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Weve tried to get loan modification but was denied. We need loan arrears put on back end of loan with current interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I applied for a loan on XXXX and received a locked LE. 
The estimated value at the time was $ XXXX. 

On XX/XX/XXXX, I was issued a new LE after the appraisal was received by Chase. This LE updated the estimated value to $ XXXX ; however, the fees remained the same. I was content with this LE. 

On XX/XX/XXXX, Chase issued me a new LE, The fees being charged to me changed by 0.25 % of the loan amount. 

I made several Inquiries to the processor, XXXX. He mentioned that the LO would call me. The LO never called me. 

I closed the loan anyways, but made several calls during the rescission period wanting answers. The only answer I was given is that the LE on XX/XX/XXXX was sent by mistake because the underwriter had not reviewed the appraisal. Once the underwriter reviewed the appraisal, they sent me an updated LE 9 days after the LE sent on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2019, 20 fraudulent charges were made on my credit card with the same description, XXXX XXXX XXXX CA, for a total of {$1000.00}. On XX/XX/XXXX I became aware of these charges and called Citibank to ask for them to be reversed. 

On XX/XX/XXXX I received a credit for 10 of the fraudulent charges, however the other 10 which have the same details, remained on my account. Since then I have called both customer service and the security team at Citibank on many occasions and have been reassured time after time that they are investigating the charges and that I will receive a credit in the next few days, however no credit has been issued. 

Through all this Citibank has never contacted me once, and I had to always contact them and waste countless hours on hold. It has been a really poor customer experience.

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 monetary relief
Consumer complaint received 2019-12-06 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: NJ

Complaint narrative:
This credit company is listing an account from XXXX. This account was included in previously discharged chapter XXXX. They refuse to remove account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: NJ

Complaint narrative:
This credit company is listing an account from XXXX. This account was included in previously discharged chapter XXXX. They refuse to remove 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