vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I received a phishing scam for PayPal that looks very legitimate. 
The only odd thing is the email it came from which is : " PayPal.Inc. '' XXXX The subject line reads : Your Paal accunt has been limited du to viIaton of Paal 's Plicy on XX/XX/XXXX, XXXX XXXX The Body consists of : Dear ( My Email Address ), your account got problems on XX/XX/XXXX,  XXXX XXXX. Please View or Download the PDF file to see and manage your account. Thanks PayPal , Inc . 

Attached is a PDF which contains the following text and PayPal images : Dear Customer, Your Paypal account has been Iimited because we've noticed significant changes in your account activity. As your payment processor, we need to understand these changes better. 
This account limitation will affect your ability to : Send or receive money Withdraw money from your account Add or remove a card & bank account Dispute a transaction Close your account What to do next? 
Please Log In to your PayPal account and provide the requested information thought the Resolution Center Login Here The link I imagine goes to the phishing website with an account login platform. I contacted PayPal and was delighted to find out that my account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX ACC # XXXX, XXXX XXXX ACC # XXXX Were both in a bankruptcy I filed on XX/XX/2014. Both of these accounts continue to update showing negative balances after the bankruptcy was discharged over 4 years ago.

I have tried several times to have this issue resolved the credit bureaus and the furnishers but with no success.

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 2018-05-21 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX ACC # XXXX, XXXX XXXX ACC # XXXX Were both in a bankruptcy I filed on XX/XX/2014. Both of these accounts continue to update showing negative balances after the bankruptcy was discharged over 4 years ago.

I have tried several times to have this issue resolved the credit bureaus and the furnishers but with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Outsourcing, Inc.
State: PA

Complaint narrative:
I received a phone call from XXXX today XX/XX/2018 @ XXXX. 
I do not know what the call was about except an attempt to collect a debt and they left a robocall voicemail on my voicemail message system. 
I don't owe anyone any money. 
I want all these calls to stop asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was denied credit due to a collection placed on my report by PRO COLLECT collection agency. I was not notified that they were putting anything on my credit nor was I even aware of the debt. I don't owe any money to XXXX XXXX. It is for XXXX this is an error. 
I sent for proof of this debt to Pro Collect several times and they continue to just ignore me. They won't respond. This is not right and a violation of the law

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 2018-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Netspend Corporation
State: MI

Complaint narrative:
I purchased a Netspend Card the end of XX/XX/XXXX to use for prior and current year taxes. I noticed my card was missing on XX/XX/XXXX. This exact same day I contacted Netspend and let them knew of the situaution and began with the dispute. I was told that the money that was taken would be deposited back into my account which didnt happen. I faxed over a written dispute letter XX/XX/XXXX. No one contacted me back I had to keep calling requesting to speak with someone. No money was deposited as i was told and as is in the policy. No real investigation was done no camera footage checked or anything. It took over the time that the dispute process was suppose to take and netspend closed my account months later. I contacted the local police made reports contacted the IRS attorney general office did all I can do. I never made any of these transactions or do I have a XXXX area code number. I have been in a finacial hardship causing me to be a XXXX for a period of time. This is insane Netspend did not follow through with their policy that they are suppose to have or give me a full investigation that I should have been given.

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 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX/XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm a victim of ID Theft starting on XX/XX/2017. It took me a while to notice illegal activity on my account after I work at home for a former employer who used my identity to have an access to my Checking, Savings and Credit Card accounts with Chase Bank.

I suspected that my former employer used my SSN, my name and my checking account that was on the direct deposit form that I filled it out for direct deposit paychecks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-21 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: National Default Servicing Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX as Trustee Attorney, and National Default Servicing Corporation ( NDSC ) as Trustee, and others working on behalf of, for the interest of, for the benefit of, unlawfully accessed my credit reports. In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, or gaining access to my credit reports and the data contained within due to the bank, Trustee, and Trustee Attorney improper actions, I've had my personal, financial and private information grossly compromised due to such conduct and behavior. This behavior, to the best of my knowledge, occurred between XX/XX/2016 to present. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX National Default Servicing Corporation ( NDSC ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: TX

Complaint narrative:
paid for three bureau report and didn't receive the reports but was charged XXXX and the site gave me an error and still charge me would like a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: AL

Complaint narrative:
I called XXXX and Equifax on XX/XX/2018 about some unauthorized inquiries on my credit report that I didn't authorize and asked both credit bureaus to be remove the Inquiries. XXXX refuse to help or remove anything. XXXX told me to contact the creditors and to file a police report and fax a deletion letter from the creditors. I contacted the creditors. I also informed them that the Inquiries were unauthorized and I didn't give any one permission to pull my credit. Equifax let me dispute the unauthorized inquiries and waiting on the results. I a fraud alert on my credit report with Equifax and XXXX. XXXX refuse to put a Fraud alert on my credit report. I've file a police report and faxed the info in to XXXX as well but the credit bureau refuse to help me with unauthorize inquiries. The Inquiries are making my credit reports seem like I'm begging for credit when I'm not. The Inquiries are damaging my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
In XX/XX/XXXX I noticed charges on my credit card that didn't make sense to me. I researched online the abbreviations that I didn't understand. There were five companies listed : XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, and XXXX {$54.00} in XXXX. In researching, I found these were online dating services. I live in XXXX and have no idea how these charges got on my Bank of America XXXX. 

I called the Customer Service number on my statement who transferred me to their Fraud Department. Unfortunately, I did not write down the name of who I spoke with but she immediately cancelled my credit card and issued me a new one with a different account number. This lady said all charges would be removed. She also said that in looking back previous statements the charges were also listed on other months ' statements. I was surprised to learn of this. Typically, my credit card charges range anywhere from {$2000.00} to {$5000.00} monthly, I do not look at every little charge and did not notice it until the XX/XX/XXXX - XX/XX/XXXX statement. I was informed that Bank of America 's Fraud Department would investigate how far back I had incorrectly been charged and then reimburse me for them. The lady assured me I would not be responsible for these fraudulent charges. 

On XX/XX/XXXX I received a letter in the mail stating that after additional review, it had been determined my fraud claim was not approved because payments were made and statements were mailed to my address since XX/XX/XXXX. Again, I was not aware of these fraudulent charges until XX/XX/XXXX. 

I have tried talking to Bank of America and they are standing firm in their decision. I did not make these charges and I do not agree with paying for them. I am paying the amount of my credit card that I know are my charges. I am not paying for the {$1500.00} in accumulated fraudulent charges. I have had this credit card for 30 years and have never had an issue before. After paying the amount I owe, I am cancelling the credit card - NOT paying the {$1500.00} or the {$41.00} in finance charges.

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 2018-05-21 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: OR

Complaint narrative:
ORIGINAL COMPLAINT Via automatic payments I over-paid my credit card so there -was a negative balance on my account.After making several purchases I had a negative balance of {$630.00} so, for some reason, Capital One sent a check to me in that amount. I cashed the check and all was fine. I then noticed that Capital One charged me {$630.00}, and called it a Credit Balance Refund ( XX/XX/2017 ). They basically gave me a check for {$630.00}, but then turned around and charged me {$630.00} for something I never purchased. The people at Capital One are saying it is a wash since I cashed the check, but that {$630.00} they sent to me was based on an over-payment of my balance so why did they charge me the exact same amount in XX/XX/XXXX? The original {$630.00} was supposed to be a refund of money I paid. 
If that was the case then why did they charge me {$630.00} on XX/XX/2017? They are using fuzzy math., and I would like to have my {$630.00} returned to me. I have since cancelled my credit card. 

RESPONSE TO THEIR RIDICULOUS RESPONSE The company did send me the {$630.00}. That is NOT in dispute. The issue is on XX/XX/2017 they charged me {$630.00}, and labeled the charge to me as Credit Balance Refund. I do not understand why CapitalOne CHARGED me {$630.00} after they sent me a check for {$630.00}. Why is that charge there? Why did the balance on my account increase by {$630.00}? Look at my statement from XX/XX/2017, page 3, second column towards the top. Explain to me why you charged me {$630.00}. I am getting the same run-around as I received from every operator I called to try and clear this up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
Loans are with XXXX XXXX. Have miscalculated my payments for the Public Service Loan Forgiveness, have not capped interest as a veteran/XXXX XXXX service member and based payments on gross income, not adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: IA

Complaint narrative:
On XX/XX/XXXX I received an automated recording call that said my son, who is XXXX, had a debt collector trying to reach him. It told me to hit a number if I was my son. I thought it was a scam and hung up. On XX/XX/XXXX my son received a letter in the mail from Allied International Credit Corp. The letter says that they are a debt collector and that he owes money and they have been trying to reach him. I XXXX about this company and the company they say they are collecting for and it appears to be a scam and I do not want to call them. The company says that my son owes {$32.00} to XXXX. I would like to have consumer finance reach out to this company to see what is going on here and if I need to file a Scam with someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Primary document is Attachment A. 
Supporting documents are Attachments B1, B2, C, D, and E Active account numbers have been redacted. 
Remaining account numbers have been closed. 
My name has been used because of prior contacts with the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent several letters to them regarding a bankruptcy listed on my credit report. The information is incorrect all of it. They have stated that the info was verified through the furnisher which is not true they have never contacted them. I have on several occasions asked for the person who contacted the furnisher as well as the person they have spoke with and they have never provided that information to me. The information they are providing is information from a third party which I have also contacted regarding the info. I have since then froze and suppressed my files and the credit bureaus are still stating they have validated. Once again they have not been truthful. I will like both bankruptcies removed from my reports as they are incorrect. My spouse have kicked me and my XXXX children out and left us XXXX atvtuis time I do not have attachments. Due to the false information reporting I have been unable to obtain a place to stay for me and my children. U will like this issue resolved as soon as possible so that I am able to secure a place to live for me and my children

Company response to consumer: Closed with explanation