vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I never has requested any application for this card. The attendant at XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX FL XXXX PH : XXXX XXXX XXXX on XX/XX/2020, do the application without my consent. 
I feel my personal and consumer rights were violated in a very bad way

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 2020-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/20 I received notification from PayPal that our account had essentially been permanently closed, with no explanation give. I contacted them by phone more than once and they refused to explain their decision. Both times I tried to discuss the matter with them on the phone, they said that they would review the case and get back to me within 72 hours, but they have never gotten back to me. I would like to receive an explanation as to why our PayPal account was permanently closed/frozen/deactivated. 

Below is a copy of the text from the email which I received : You can no longer use PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to use PayPal to send and receive money or shop online. 
If you have money in your PayPal balance, well hold the money for up to 180 days. After that period, well email you with information on how to access your funds. 
We regret any inconvenience this may cause. 

. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: OH

Complaint narrative:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-11-15 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:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: OH

Complaint narrative:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-11-15 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: OH

Complaint narrative:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020, I contacted capital one concerning my late payments due to the pandemic. I was told that there is nothing they can do about it and they can't take it off my credit. I can't get a mortgage loan due to these late payments. 
The company could not help me with this unfair situation. Right now I'm up-to-date with my payments and they can't still do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, my two factor authentication was attempted to be reset, which I initiated. For six months, I have went back and forth with this business, attempting to reset my two factor authentication after I broke my phone. They have been impossible to reach, stating that I need to log in, to be able to contact them. Of course, this is impossible because my two factor authentication is not available. When they reset my two factor authentication, they failed to reset BOTH numbers on the account, proceeding to LOCK my account, failing to allow me access to both my money, and my account. They now will not allow me to contact them at all, removing the access from their website entirely. I have repetetively attempted to contact this business, from twitter, to phone, to email, to direct messaging. All attempts have failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15 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: TX

Complaint narrative:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : TransUnion : XXXX XX/XX/20 XXXX : XX/XX/20

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 2020-11-15 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: TX

Complaint narrative:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX : XXXX XX/XX/20 Experian : XX/XX/20

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 2020-11-15 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: TX

Complaint narrative:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquiries are listed below : Experian : XXXX  XX/XX/20

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 2020-11-15 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX XXXX : TransUnion is reporting no late payments, XXXX is reporting a a payment status of Current but a late payment of 30 days late in XX/XX/XXXX and XXXX is reporting no late payments, XXXX : TransUnion is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but a late payment of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and XXXX is not reporting this account, XXXX Account Number XXXX TransUnion and XXXX is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION

Complaint narrative:
Our parents had two accounts in a Regions Bank brand in XXXX ( at XXXX XXXX XXXX XXXX ) with an aproximate balance of XXXX dollars, They died at the beginning of XXXX, my brothers and I sent the documents required for the bank as the universal heritage document issued by a court of our country, XXXX, ( translated in english and XXXX ) and other documents as our parents passports and XXXX Id. 
The bank sent us an email telling that all the documents were ok and they were ready to issue the checks with the amount of the two accounts ( savings and money market account ) to us ( the universal heritages ). Just few days later they sent another email were they explained that the money of those accounts were withdrawed by a phone transfer to an account in the XXXX XXXX XXXX. So they told us that as we don't appear as beneficiary in one of the accounts we needed a letter of administration to one of us to claim the return of that money ilegally withdrawed. 
In the money market account only signed my father and my mother was the beneficiary. In the checking account signed both of our parents and we are the beneficiarys. 
The universal heritage document issued in XXXX made first the heritage procedure to my mother and then to us. 
The bank refuses to gives us the easiest way to recover the money that legally belong to us. 
The case has been managed by XXXX XXXX ( XXXX relationship Sr. consultant, phne number : ( XXXX ) XXXX and XXXX XXXX ( Vice president of Consumer Banking, XXXX South Region )

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 2020-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I reported fraud on my Capital One Quiksikver card on XX/XX/XXXX from a retailer called SSense for {$2000.00}. I immediate notified my card company once I saw these charges posted and shut down the cars and ordered a new one. I received a letter in the mail about 2 weeks later stating that this case was revised and found to be fraud and closed and I wouldnt be responsible for the charges. Today, XX/XX/XXXX, I saw the charges repost for the full amount even though I did not make them!! I am livid that Capital One would try to get me to pay {$2000.00} worth of fraud for something I never bought! I have been keeping up with my payments during the pandemic and never carried a balance or had a late payment and I am frustrated they would do this to me. I did not make the payment so I shouldnt be stuck paying for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PLS GROUP, INC

Complaint narrative:
Hello, why can't I use my XXXX card online?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express offers the Plan It feature, which allows the consumer to set-up an automated monthly payment for a fixed fee. I have used the feature in the past and have had 3 options for payment duration. However, this has changed, and the number of payment options has been restricted " based on purchase amount, account history, and creditworthiness. '' They advertise " up to 3 different options '' for payment. However, the automated software is pushing me to 24 month payments and not giving other options. This is tricky and dishonest because this will essentially collect the full interest rate ( 24.9 % APR ) on a purchase of {$190.00} ( plan it fee would be around {$49.00} ). If I had the option, I would set-up a 3-month payment, which was available previously. 

To be honest, this doesn't create a huge financial burden for me. But AMEX should not advertise this as a money-saving feature if they are just finding a way to trick consumers into paying the full interest rate by dragging out the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citi Bank/Best Buy never sent a statement, pursuant to 15 USC 1692g ( a ) ( 3 ), that I have 30 days to dispute the validity of the debt, or any portion thereof, or the debt will be assumed valid by the debt collector.

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 2020-11-15 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Bankruptcy filing that was dismissed and should have been removed from my credit. Bankruptcy was file in 2014. 

Also loan modification on current mortgage but late payments that were required to even be considered for a modification are still showing on mortgage.

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