vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XXXX I venmo the wrong use the user according to venmo declined payment however it was never returned to me, I payed the correct vendor and then venmo charged me the XXXX never returned to me.. and froze my account, I was told they would correct the mistake unfreeze my account and never did, nor did they go after the user who didn't do her part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I submitted a complaint XXXX earlier this year concerning a Capital One Bank account I never applied for and is showing a balance total of $ XXXX. Capital One claimed they have proof that I made a payment by check to them on this account and that is their excuse that the account belongs to me. After several attempts calling them for proof of this check, they have not been able to provide that proof. The three issues here is they can not provide proof of the check, they can not provide proof that I applied for the account, and the address they submitted to the Credit Bureaus for the account back back in XXXX is from a XXXX XXXX, AZ residence when I lived in XXXX, AZ. If they can show proof of the check, it will show that I lived in XXXX. I was in High School at the time the account was created. I never applied for any type of credit until XXXX. Capital One allowed someone from XXXX XXXX, AZ to apply for an account with my information and to overcharge the account by $ XXXX. I am the victim of fraud and it is bringing my credit down. Because of this balance, I have not been able to get credit and I have also had to pay for credit protection. I am XXXX years old now and I am being punished financially for no reason. This debt hurts my ability to have a good job or bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
I am being billed {$800.00} by XXXX XXXX for a diagnostic XXXX  that my doctor did not order. My doctor ordered a routine XXXX, but they performed a diagnostic XXXX and are billing me for this amount. My doctor has already re-submitted the script to XXXX several times, but XXXX has not submitted the proper claim to my insurance company, which they should because a routine XXXX is covered at 100 %. Therefore this balance is not owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
My name is XXXX XXXX and i been a customer for over years now. Its says if i get a direct deposit of XXXX $ i would not have to pay a monthly fee. Ive been charged for years i never spoke up. Rite now it is over XXXX . I get a direct deposit over XXXX $ every month for over 3 years. I wiuld like all that money back into my account. The American Express company is stealing money from me for over 3 years for a charge that should be free. You have all my information, please correct what you are doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian for many months now has been reporting that I live in two states at the same time, XX/XX/XXXX and XX/XX/XXXX, which is causing problems with my credit. 

I have attempted to have Experien correct this but they refuse too saying that the card company : XXXX/XXXX XXXX XXXX confirmed that it was my address. Experian advised that I should have the credit card company correct my address. 

Today I spoke with XXXX/XXXX and after 3 calls spoke with their Fraud department. 

Here is the problem : My daughter needed a credit card to pay for medical expenses, and the company wanted me to co-sign her application. I did this, its her card for her medical expenses. We set up this account in XXXX when she lived with us in XX/XX/XXXX. I do not have a card for this account, I do not use this account, this is used by my daughter XXXX XXXX. 

My daughter moved to XXXX XX/XX/XXXXso advised the bank of the new address. The bank thought that it would be a good idea to report this address to credit bureaus as my address as well as her address, their internal card management system does not cater for two addresses on a card account. 

I also have another credit card with XXXX which is through XXXXXX/XX/XXXX. On this card they have my address listed as my XX/XX/XXXX address, which is : XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX. 

XXXX have knowingly reported that I live in both XX/XX/XXXX and XX/XX/XXXX. This is deliberate fraud, and is causing undue harm to my credit and my ability to open a new Bank account and casting doubt on my real address to those requesting credit information. 

I have spent a lot of time on the phone today, XX/XX/XXXX speaking with XXXX ( XXXX ) who agreed it was a problem, and the fraud department, XXXX. Who felt the best way to resolve this would be to change the address on the account to my XX/XX/XXXX address. 

This would then create another fraud, by reporting that my daughter XXXX XXXX who lives in XX/XX/XXXX also lived inXX/XX/XXXX! 

This is a business who obviously do not care for the credit of their customers, who feel that because their computer software system does not cater to account co-signers living at a different addresses from the actual user of the account, reporting a fraudulent address is therefore justified. 

I did speak with one customer service agent at the bank, XXXX, who said that she would elevate this as an issue and that I should hear in 30 days. 
I need this fraud to end immediately! I can not wait for 30 days beyond the end of this year. 

Please advise all credit bureaus to immediately remove the XXXX address from my record such that I can open a new bank 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 non-monetary relief
Consumer complaint received 2020-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/20, I purchased an XXXX gift card for {$500.00} which I sent to a client a few days later. The card arrived unopened and intact with no signs of having been tampered with. On XX/XX/20, my client emailed saying he was about to use the card and when he had checked the card balance on the XXXX website, it showed someone had stolen {$490.00} from the card on XX/XX/20 leaving a balance on the card of {$5.00}. The client printed out and provided to me the activity for that gift card showing the card purchase and the unauthorized disbursement of gift card funds. It shows someone with a PayPal account in the name of XXXX XXXX stole the money and passed it through PayPal. He also emailed photos of the card and the card envelope. See attached. I have also attached the receipt for the purchase to cross-reference the card information on the package to the card information the receipt. 

on XX/XX/20, I contacted XXXX who said I must contact PayPal for any help recovering the stolen funds since they were " laundered '' through PayPal by the thief. 

Beginning XX/XX/20 and multiple times since up to XX/XX/20, I have emailed and left written messages on PayPal 's " Message Center '' explaining that theft/fraud had been committed against me by one of their users using their payment system and asking them for a response. PayPal has provided NO RESPONSE. 

I have also called multiple times to the PayPal phone number posted on their website and on the printout of the XXXX card activity - XXXX. Each time, after going through the lengthy phone menu to try to speak to someone at PayPal, a phone messages says there is no one available to service this call now and the call disconnects. 

I want PayPal to take responsibility for ... 1 ) the fraudulent use of their system by one of their users ( the thief who stole my and my client 's gift card funds ) and ... 2 ) their failure to provide to me any response to my repeated requests for help and ... 3 ) to recover the gift card funds from their account holder who stole them and reimburse those funds in full to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have written to dispute and request to investigate multiple times to all credit reporting agencies, XXXX, Equifax and XXXX, and XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX, three - ( 3 ) times, to have a report of 30 day late payment from XX/XX/XXXX removed from my record or to have their refusal to change this erroneous data explained. My payments are due on the XXXX of each month. In this instance a payment of {$230.00} was made and credited to my account on XX/XX/XXXX which satisfied the late amount owed in addition to a late fee ( which is correct and accepted ) and the new monthly amount for XX/XX/XXXX. This account was late 17 days in XX/XX/XXXX but was and has never been 30 days late. In XX/XX/XXXX the card itself was paid off in entirety, {$2800.00}. I have submitted all proof via statements, letters and bank drafts and XXXX has refused to remove the late payment or provide explanation as to why they still contend the information is correct. 

These disputes were conducted in XXXX, XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have written to dispute and request to investigate multiple times to all credit reporting agencies, Experian, XXXX and XXXX, and XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX, three - ( 3 ) times, to have a report of 30 day late payment from XX/XX/XXXX removed from my record or to have their refusal to change this erroneous data explained. My payments are due on the XXXX of each month. In this instance a payment of {$230.00} was made and credited to my account on XX/XX/XXXX which satisfied the late amount owed in addition to a late fee ( which is correct and accepted ) and the new monthly amount for XX/XX/XXXX. This account was late 17 days in XX/XX/XXXX but was and has never been 30 days late. In XX/XX/XXXX the card itself was paid off in entirety, {$2800.00}. I have submitted all proof via statements, letters and bank drafts and XXXX has refused to remove the late payment or provide explanation as to why they still contend the information is correct. 

These disputes were conducted in XXXX, XXXX and XXXX of 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 2020-12-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Allied Collection Services Inc in XXXX XXXX NV, are not following any laws to obtain a debt owed. And are not applying the payments stating I owe more than I do on 2nd garnishment. They are also garnishing my checks that are exempt. They are below the legal disposable income that can be garnished by law. And they do not notify you to go to court both times I was never notified until a few weeks after garnishment was already taken place by my employer. And the interest is not correct. They are over charging me by hundreds of dollars in interest that they are not supposed to able to add by law. And the difference in the payments they say I paid {$1300.00} versus what I actually paid was {$1700.00} And they obtained a second garnishment that states the balance owed which did not have the payments deducted and they did not report them in court when applying for 2nd judgement.

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 2020-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: GA

Complaint narrative:
I have an account with Yamaha for two jet skis that I purchased. My XXXX payment was due on XX/XX/2020 and I made the payment over a week early on my banks bill pay. I started getting text and email messages that my payment was due in a few days so I called Yamaha and they said they had not received it. I called my bank, XXXX XXXX XXXX, and verified that they transferred the funds to Yamaha on XX/XX/2020. They called Yamaha and spoke with them while I was on the line, and provided them with confirmation that Yamaha received the payment. this was on XX/XX/2020. XXXX XXXX XXXX provided them with all of the information they requested and they said they would follow up with me within 24 hours. I have gotten three collection calls since then, and each time I explained that the payment was made and they were supposed to be investigating where it went. Every time, the person on the phone assures me he is going to escalate this issue to a supervisor and it will be resolved. It has been almost three weeks since the payment was received and two weeks since I was promised that I would have a resolution within 24 hours. Today I received both an email and a text message that my payment is past due and I have to make it immediately. If this is not resolved this is going to affect my credit and cause me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: CA

Complaint narrative:
I applied for a small personal loan at XXXX XXXX today XX/XX/2020 and sadly I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: CA

Complaint narrative:
I applied for a small personal loan at XXXX XXXX today XX/XX/2020 and sadly I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-12-06 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: CA

Complaint narrative:
I applied for a small personal loan at XXXX XXXX today XX/XX/2020 and sadly I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a debit card by mail XX/XX/2020 with USBank. I never had or have an account with that bank. I spoke with XXXX by calling the phone number with the card that activates it, explained the problem. She advised they would close the account and I should file a police report ( in process ), file a report with the FTC ( done ) and the Colorado Attorney General ( in process ). She provided some info and apparently the account had my correct social security number, correct home address but incorrect cell phone.

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 2020-12-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank/XX/XX/XXXX continues to report an account on my credit report that is has is more than 7 years old and should be removed immediately. They falsely reported that the account was closed in XX/XX/XXXX but that is completely false and inaccurate. The account has been closed since XXXX and should be updated and completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX, I sent a letter by certified mail to Barclays Bank Delaware regarding an account on my credit reports from XXXX, XXXX, and XXXX, claiming that I owed Barclays money on an account that has been closed and written off since XX/XX/XXXX. I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have proof of delivery of my letter to Barclays on XX/XX/XXXX at XXXX. Barclays is required by law to respond to my dispute within 30 days of receipt. On XX/XX/XXXX, 31 days from the day Barclays received my letter, I had not received a response from them. On XX/XX/XXXX, I sent another letter by certified mail to Barclays, giving them another goodwill attempt to respond to my dispute regarding the claim on my credit reports that I owed them money. I have proof of delivery of my 2nd letter to Barclays on XX/XX/XXXX at XXXX. As of XX/XX/XXXX, which is 31 days from the day Barclays received my letter, I still did not receive a response from them. This is two times that I have contacted Barclays and they have failed to provide me with any proof or validation that the debt they claim I owe is valid. There has been no data reported to any of the three main credit agencies from Barclays regarding this account they claim I owe money on since XXXX, XXXX. Since I have sent them two letters of dispute, Barclays has now reported to all three credit agencies on XX/XX/XXXX that I am 30 Days Past Due Payment. This has made my credit score drop at least 8 points. Not only have they not been reporting any data for 2 and a half years, but they also did not reply to either of my disputes, nor did they send me a bill in the mail. Barclays has my current address because it was listed on both letters I sent. Along with reporting that I am 30 Days Past Due Payment, there is also a comment on both XX/XX/XXXX and XX/XX/XXXXcredit reports from Barclays that Completed investigation of FCRA dispute consumer disagrees. The disputes can not be complete when Barclays never replied to them. This company never furnished any proof or validation that I owe this debt they claim I owe.

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