vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 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
State: FL

Complaint narrative:
Paypal closed my account and frozen my funds for no reason and will not help me with getting it back up and going. Im not sure if this is a mistake as i assume it has to be. They are accusing me of using them on XXXX to sell FIREarms, when actually i deal with XXXX guns and XXXX guns only. XXXX woundt even allow me to sell firearms, you need special licenses and documents for that. I have not been able to get help from PayPal for weeks but i remember i could file a report here as i feel they are not doing their job properly and its affecting me a great deal as i used paypal to get part of my income. My e-mail linked with to my PayPal address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a letter from Chase advising they will close all my accounts and end their relationship with me. 

I have a checking, savings, credit card and safe deposit box with them. I have been with Chase for over 10 years and received no explanation why they are doing this. 

My fear is that my name is on some database incorrectly. 

I am not a XXXX XXXX or a XXXX XXXX on some government list nor have I ever committed fraud in my life. 

I am a law abiding citizen married to a XXXX and gainfully employed with good credit. 

I do not understand how they are allowed to do this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I started disputing with the bureaus originally in XX/XX/XXXX ; I have been continuously disputing accounts that no one has ever verified or validated for me! I have requested validations from the bureaus and creditors yet nothing has been provided. After multiple rounds of disputes I finally filed my first complaint on XX/XX/XXXX. This still didn't result in any responses from the bureaus! Gave it a few more rounds of disputes and filed another complaint on XX/XX/XXXX. Yet again, NOTHING from anyone! This is my THIRD complaint! When will the bureaus finally be held accountable for their actions, or lack of actions? This has been ongoing for 1.5 years!

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 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
They wont stop reporting to XXXX XXXX  and XXXX already took off. It has been 9 years since the card was charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
They wont stop reporting to experience XXXX  and XXXX  already took off. It has been 9 years since the card was charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On approximately Saturday, XX/XX/XXXX I was served with a summons stating I was being sued my Midland Credit Management for {$1800.00}. I have never received notifications from this company in reference to this debt. I received a phone call from a debt collector but they never stated their name therefore I did not speak to them. The summons stated to provide a written response within 14 days of this date and I sent a certified letter on XXXX XXXX denying the debt I was being sued for and requested the contract that I should have signed if it was my debt. Neither the court or Midland Credit responded that they in fact received my letter. 
On Saturday, XXXX XX/XX/XXXX, I received a default judgment against me stating I owed this debt. I was never sent a trial date, therefore Midland Credit won the suit by default. I have checked all 3 credit reports and nothing of this value is being reported as a collection item or charge off. I did notice that Midland credit did in fact run my credit against my knowledge four times in XXXX. 
This is not my debt and now due to a default judgement against me I am having to pay Midland Credit Management for the amount of {$1800.00} plus 5 % if not paid in full. If I appeal the decision the amount is estimated to be roughly {$3900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CA

Complaint narrative:
XXXX. {$39.00}. I Never use this debit card purchase, The boa security notification me some one use my card purchase on the online. I just told the boa, thats not my purchase and then boa locked my card.after one months, But dispute fail. Boa dont refund money. I need appear. That address is wrong. Phone number is wrong. Why my dispute fail. Please help me. Thank you. Bank of America

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 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
Although I made regular payments for a year and a half, Portfolio Recovey would not negotiate a settlement. When I tried to set up a payment plan, they refused any form of payment except getting my bank account number. I have since increased my payments, but thy did not send me a record of the last delinquent date XXXX XX/XX/XXXX ) in writing as they said they would. When I disputed this account being on my credit report for over seven years, Portfolio Recovery gave the credit reporting agency, XXXX, updated data which extended the credit reporting date to XXXX. Portfolio Recovery did not notify me about the data. I believe they are using unfair practices to get me to pay, which I have always been willing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
I can provide detailed information via phone but basically I had a package deal I signed up with XXXX XXXX in 2018. That year my only child passed away and I had contacted the company modifying my package because uncontrolled circumstances. Currently I am being collections by XXXX XXXX for over {$300.00}. I have never dealt with them so had no idea of acct. 
Basically I am being tossed back and forth between these " two affiliates " because of an acct that I was told XXXX XXXX failed to handle properly. I've spent days on the phone and have been told I'd receive a check in the mail for over payment and that XXXX XXXX would contact XXXX XXXX to update them and remove collection charges.its been over a week and now when I call they don't know what I'm talking about. I feel like im being taking advantage of and i have hit a dead end. Please help me resolve this problem so that I can move forward with my life. 
Thank you

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 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WV

Complaint narrative:
I received notification through credit monitoring that a debt collection from Jefferson Capital Systems was reported on XX/XX/XXXX in the amount of {$700.00}. It originated from XXXX. I called the company and learned it was from XXXX XXXX, had been turned over to debt collection in XXXX of XXXX, and was being pursued for collection with a letter having been issued in XX/XX/XXXX. They can not tell me what the debt is for aside from a phone number not used by any member of our household unless it was a hotspot number. I called XXXX XXXX on a local level. The manager could not, nor would assist. I called XXXX XXXX 's billing department. They could not, nor would assist, aside from providing me with this telephone number for resolution. I called Jefferson Capital Systems again. No assistance, but did file the account as disputed. I've also disputed with XXXX  and XXXX. 

I left XXXX XXXX due to billing issues that arose from their change in billing systems in XXXX. It was a widespread issue that affected many. One month your balance is {$0.00}, the next {$900.00} and overdue. I resolved the issue in store, went straight to XXXX with a {$0.00} balance from XXXX XXXX and terminated my services. The store manager was directly involved and knew I was terminating the account due to the lack of reliability and best business practices of the company. I've also reported to the XXXX. Note, the company 's score is 1.9 of 5 with hundreds of complaints registered. 

After six years of having no issues, no contact, and no supporting evidence of the debt owed, I believe this is just shy of criminal behavior. I would like this removed from my credit report immediately. Not listed as a charge off. Dismissed. Erased, Gone. 

The staff of both the collection agency and company are of no assistance and can provide no details. Again, the contract was terminated in XXXX after having been a customer since XXXX. I have maintained the same cell number throughout the years, and continue through today. 

Also, I will note that during Covid, I was being called and harassed by credit card collections for accounts not even in my name. They were calling me due to an old residence that my husband and his cousin had shared in the past. Because companies could not reach the cousin 's wife, they were calling myself and my son for information. I've never even met this woman. 

It makes this recent collection all the more suspicious and unnerving. Therefore, I've locked my credit in fear of fraudulent activity. This is impacting my ability to apply for a job. Quick resolution is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I owe money on a XXXX XXXX revolving account ( XXXX XXXX Card ). Covid hit and I had trouble paying it off. That being said the debt was sold to Midland Credit Management. Midland started to call me every day harassing me. From there I decided to set up a payment arrangement to pay off the debt over time at affordable payments. Unfortunately midland tried to scam me out of extra money. What I was told is all payments would be used to pay down the amount owed. But upon reviewing the agreement they sent me, upon laying the initial payment my balance would remain the same. Therefore they tried to get me to agree to something that we did not speak about, and tried to get additional payment from me. I cancelled the agreement after I had reviewed it. From there they threatened to sue me via a third party legal team. Now midland and XXXX XXXX XXXX XXXX third party legal team ) call me daily in regards to said debt. They are now calling family members of mine attempting to collect a list of assets and gather further information from them to use against me. The sad part is I tried to set up the payment arrangement to settle this matter but they tried to scam me for additional money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 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
State: GA

Complaint narrative:
PayPal locked my account because they said my credit card was reported stolen however I have proof that it wasn't and have offered to show them I own it And they simply refused to take it or unlock my account. The email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: SC

Complaint narrative:
In 2019 I got married and moved from XXXX SC to XXXX SC. I paid everything that I owed XXXX  and closed my account. After the move I was contacted by XXXX about equipment and I asked for a return label and was provided one. I took all of the equipment that belonged to XXXX  to the XXXX Store in XXXX SC and returned it as directed. AFTER all of the equipment was returned to XXXX  they then charged me for the equipment, " NOT BEFORE " or did they even mention a charge until after the return was made. I refused to pay for equipment that I had already returned and they turned me into a collection agency and it has negatively effected my credit report in which is otherwise perfect. I have tried to call XXXX  to discuss this issue and they will not take my call because " I do not have an active account " with them. I have contacted IC Systems Collections and explained and " it has been disputed " with them. I have also " disputed " this with XXXX  without any results. Please stop XXXX  from negatively effecting my credit report without due cause.

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 2021-04-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I started disputing with the bureaus originally in XX/XX/XXXX ; I have been continuously disputing accounts that no one has ever verified or validated for me! I have requested validations from the bureaus and creditors yet nothing has been provided. After multiple rounds of disputes I finally filed my first complaint on XX/XX/XXXX. This still didn't result in any responses from the bureaus! Gave it a few more rounds of disputes and filed another complaint on XX/XX/XXXX. Yet again, NOTHING from anyone! This is my THIRD complaint! When will the bureaus finally be held accountable for their actions, or lack of actions? This has been ongoing for 1.5 years!

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 2021-04-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I started disputing with the bureaus originally in XX/XX/XXXX ; I have been continuously disputing accounts that no one has ever verified or validated for me! I have requested validations from the bureaus and creditors yet nothing has been provided. After multiple rounds of disputes I finally filed my first complaint on XX/XX/XXXX. This still didn't result in any responses from the bureaus! Gave it a few more rounds of disputes and filed another complaint on XX/XX/XXXX. Yet again, NOTHING from anyone! This is my THIRD complaint! When will the bureaus finally be held accountable for their actions, or lack of actions? This has been ongoing for 1.5 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
We are a small Girl Scout Council in XXXX, XXXX Our credit card processing company recently changed from XXXX XXXX FiServ ( XXXX mandate ). That happen about mid XXXX. Ever sense that time frame FiServ has depositing our funds for council service fees into our main checking account then taking it back out the same day or the day after. Leave us with {$0.00} per {$7.00} transaction. Our AP person finally noticed the issue in XXXX. I contacted our FiServ contact manager about the issue both in email for in voice mail weekly and never received a response. I finally manage to catch him on the phone mid XXXX. He did some research and said we had to fill out a different form. That the info we had submitted was incorrect and their credit dept had put a block on our account. We submitted the requested info. 3 more weeks went by and the issue kept happening. I contact our support person at FiServ again and he spoke with his credit dept and they claimed that things were just taking longer than normal. It has now been 5 weeks since we submitted the change form. The issue is still happening. Nothing makes a difference. I have made a complaint to XXXX as well and they too never respond or deal with the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: PA

Complaint narrative:
This dispute is regarding an emergency service bill. 
Approximately XX/XX/2015 my niece received XXXX XXXX at XXXX XXXX. Different companies tended to her, one of which was XXXX XXXX XXXX. 

I was only her emergency contact. I never consented verbally, written or otherwise to be the financial guarantor for any XXXX XXXX provided, including XXXX XXXX XXXX. I was not present when those services were rendered. As a side note, I personally got medical treatment from other hospitals because I didn't trust XXXX XXXX 's standard of care. 

I filed a XXXX complaint ( ID number XXXX ) against XXXX XXXX ( who furnishes information to the other entities including XXXX XXXX XXXX ). They sent me a letter apologizing for their error. They also sent another letter acknowledging I was wrongfully billed, that the records were updated with the correct guarantor information, and assured me none of the accounts had been reported to the creditors. 

More than likely, XXXX XXXX XXXX used this information to collect the debt from the correct party. None of the other services connected with the emergency room have contacted me after I received these letters from XXXX XXXX. 

XXXX XXXX XXXX is fraudulently using multiple debt recovery companies to collect monies they know are not owed. Their attempt with XXXX was unsuccessful after I contacted XXXX XXXX ID number XXXX ). XXXX closed the debt account in question and contacted XXXX to have it removed from my credit report. They are now using XXXX XXXX Solutions. 

Any so called evidence these companies feel they have stating I consented to this debt is fraudulent. Clearly these companies are manufacturing ways to collect and make money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I attempted to return an item purchased in accordance with the return policy as it was the wrong size. The merchant " XXXX XXXX '' agreed to the return ; has not responded nor issued the refund. I disputed the charge with Chase and included all the documentation and correspondence and they denied the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't received any investigation results.

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