vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase Banking XXXX XXXX, 2020 : Saving Account wiped of all money via charge description " Debit DDA -Check Charge '', type : misc. debit, for two separate amounts of {$120000.00} and {$82000.00}. Done by Chase Banking. 


XXXX XXXX, 2020 : Checking Account wiped of all money via charge description " Debit DDA - Check Charge '', type : Misc . debit, for 1 amount of {$7600.00}. Done by Chase Banking. 


-Both checking and savings have been closed down as of XX/XX/2020. 
XXXX XXXX, 2020 : Visited a local branch and served by branch assistant manager in locating the money and reinstating accounts. She has no idea where money is, assistant manager called Chase headquarters on my behalf, and they don't even know where the money is. No Cashiers Check can be confirmed sent out to me for all three amounts. Branch assistant manager has no idea if the money is being sent out to me, held by Chase, or in limbo for an unknown reason. I am getting the runaround by my local Chase branch. 


-I am now currently waiting for 5+ days to see if I am eligible and approved to be reinstated XXXX until XX/XX/2020 ), if approved they will only mail the {$82000.00} via cashiers check. The other amount of {$120000.00} and {$7600.00} they have no whereabouts.

-Every time I personally call Chase I am met with the initial representative, then they forward me to another department leaving me to wait over an hour before being automatically hung up on. It is impossible to reach anyone from a different department that may know the true wherabouts of my amounts via Chase hotlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Peoples Financial Corp.
State: GA

Complaint narrative:
The creditor ( Peoples Financial of XXXX ) is reporting inaccurate information to XXXX  by stating the account has moved from bankruptcy to N/A. This is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Credit card account was closed without notice, or legitimate reason. Chase not providing a reason for account closure, nor the opportunity to reinstate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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:
In XXXX I purchased an item from a third party in XXXX XXXX XXXX XXXX XXXX -using Paypal as the method of payment. The product was 2 folding chairs for {$39.00} shipping included : " Premium  Portable Camping Folding Lawn Chairs with Canopy - COVERED HIGH-GRADE PORTABLE CAMPING FOLDING LAWN BAG WITH CANOPY Premium Portable Camping Folding Lawn Chairs with Canopy - COVERED HIGH-GRADE PORTABLE CAMPING FOLDING LAWN BAG WITH CANOPY '' I used Paypal principally because of their promise : https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security? gclid=Cj0KCQjwhIP6BRCMARIsALu9Lflux312aVeeEiH1HrvqZzWfMit5UMl10qlz2O9ac-Q7MryMFJDrNtAaAlhOEALw_wcB & gclsrc=aw.ds " 1. You were charged for something you didn't purchase.

2. Your order never arrives. 

3. Your order arrives, but it's significantly different than it was described. " I never received the product so I filed a dispute with Paypal ( # 2 ) on XX/XX/XXXX for a return of my money. Paypal responded via email that they would have a decision within a few weeks. On XXXX.20 I received a small little packet with two blue carry bags - that's it. The packet didn't say where or who it was from so I had no idea what i was only that I did not order it. Lo and behold - on XXXX.20 Paypal wrote to me saying my dispute was " case closed '' as I had now received shipment. It appears the mystery bag I received is from the same company in XXXX. With Paypal there was and is no other option to reopen the dispute on the grounds that I did not receive the product ( # 3 ) in question. They do not answer the phones, they do not have an email - only text and the text is a robot that basically tells you what you already know about your account. It appears that Paypal is deliberately set up to avoid any phone calls so that they do not have to honor their promise and if they do not honor their promises, this is not only misleading but are complicit in fraud with these international companies. Furthermore, a quick XXXX search will show that this has happened to other persons as well : https : //www.paypal-community.com/t5/Protection-des-Achats/Is-XXXXXXXX-scam/td-p/2022702 and https : //www.paypal-community.com/t5/Disputes-and-Limitations/Scam-Really-cant-back-money/td-p/1938161 and finally .http : //www.corporate-office-headquarters.com/paypal. There are plenty others as well. Logically one can infer that if this is an ongoing issue with these fraudulent companies and Paypal is not honoring their promise - they too are complicit and abetting these fraudulent companies. A such I would like the CFPB to look into these misleading and fraudulent practices of Paypal. Attached are photos of the product I received instead of my canopy chairs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: OK

Complaint narrative:
Ability Recovery had a collection agency on my XXXX credit report NOW they put it on my XXXX   REPORT as of XX/XX/XXXX after they said they would remove from all 3 bureaus, original company XXXX XXXXXXXX XXXX XXXX  owns XXXX XXXX, XXXX XXXX is a closed and paid account on my credit report, I have proof, I was not notified by advanced recovery at all, and statue of limitations have passed for a XXXX account, I WILL BE SEEKING LEGAL ACTION ON THIS COMPANY ASAP they re aged a XXXX account to appear XXXX, this is illegal. I don't know why ability recovery is trying to collect, please have this company delete their collection off my report, it's hurting my process in trying to obtain credit. 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 2020-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Card had fraudulent charges on it and was closed By the lender. Company harassing me to collect debt That is illegitimate. They did not let me access my account nor provide a statement of 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 2020-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am having tons of problems with the spelling of my name on my credit file. My Birth name is XXXX XXXX XXXX My SS XXXX My DOB XXXX. Please delete any other names, DOB or SS variations of my personal information they are not mine. I am in need of a new report with the following addresses deleted that do not belong to me. Please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX OH 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 2020-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data Search NY, Inc.
State: TN

Complaint narrative:
In 2018 i refinanced my house with XXXX XXXX. I owed XXXX to XXXXXXXX XXXX XXXX for a credit card. XXXX wrote a check to XXXXXXXX XXXX for the total amount due of XXXX payable to XXXXXXXX XXXX. I sent XXXX ; XXXX the check and the debt was declared paid in full by XXXXXXXX XXXX. Apparently XXXX XXXX had hired a collection agency named TrakAmerica for my debt. I have no recollection of dealing with TrakAmerica, but either XXXXXXXX XXXX failed to notify TrakAmerica that they received payment or TrakAmerica failed to remove it from the credit bureaus because I have just refinced my house again with XXXX to get a lower interest rate and once again they have made another check to XXXXXXXX XXXX for the same XXXX. I have now had to pay XXXXXXXX XXXX twice for the same debt. XXXXXXXX XXXX tells me I will have to contact TrakAmerica. However, my Check is made out to XXXXXXXX XXXX and since I don't owe the XXXX XXXX 's will have deposit the check and reimburse me. XXXXXXXX XXXX or Trak America should have removed this debt from the credit bureaus so I didn't have to pay it twice, If you could help me clear this up I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I purchased a {$100.00} U.S. Bank Visa gift card at the XXXX XXXX XXXX, Virginia location on XX/XX/2020 and tried to use it about a month and a half ago only to find out it was drained ( fraudulently used ) .. I contacted U.S. Bank 's customer service at the same time and they told me a representative would call me to gather information. The representative called me and informed me that a letter would be mailed out to me to fill out and send back to them. The letter arrive a month ago, I filled it out the same day and sent it back. It's now a month later and NO replacement card has been shipped to me ... I contact U.S. bank via calling, social media, etc to no avail..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After receiving my recent credit report from Transunion I noticed that an account under the name XXXX XXXX XXXX XXXX has been submitted to my Transunion credit report without notice as required by federal law 5 business prior. A violation of federal law section 1681 of the FCRA rules.

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 2020-08-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
on XX/XX/2020 i sent a letter regarding inaccurate and unknown things on my credit report. to this day over sixty ( 60 ) days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My was also impacted by the XXXX  Data Breach and may have got into the hands of the wrong person.

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 2020-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Called to get a deferment on the loan due to hardship caused by COVID. ( We were unemployment ) was told by this company they werent offering them unless payment was late. 
Traded the vehicle in the dealership was late on paying the old vehicle off. We called loan company they told us there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: DISCOVER BANK
State: OK

Complaint narrative:
Card was stolen charges were racked up to the credit limit and then appears to be paid but canceled after already spending the credit again causing the card to be doubled the limit. If I make pmts Im not gon na cancel first off it cost money to cancel a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
1. I sent a money order to Zwicker and Associates for {$300.00} that was received on XXXX. Zwicker mis-routed the money order and paid someones account for XXXX. 

2. I made numerous phone calls, which I didn't document at the time to get it resolved. They eventually discovered that they had sent my money to the wrong account instead of my XXXX bill. I then XXXX overseas in XX/XX/2020 to XXXX and my father continued to follow up on the issue. He has a Power of Attorney to conduct business on my behalf. All the subsequent actions after this were conducted by my father while he kept me apprised of his progress. 

3. Called the morning of XXXX. I ( father ) talked to the XXXX side representative who told me that I had to talk to XXXX directly. I called XXXX who told that I needed to talk to Zwicker as they had not received the {$300.00} mis-directed payment for XXXX account. I called Zwicker back at XXXX and talked to someone with Zwicker. He had just received an e-mail at XXXX saying that a {$300.00} refund was requested to be sent to XXXX. 

4. I called on XXXX and talked to a XXXX manager XXXX XXXX. She told me that she would talk to the person who was handling the account as the refund was never sent to XXXX. She said that she would talk to her boss. 

5. I called again on XXXX and talked to XXXX XXXX who said that she had sent an e-mail on XXXX to XXXX XXXX, a Zwicker manager who had previously been handling the issue, and to the person currently handling the account. She said that she had not received an answer back yet. I asked her if she had talked to her boss yet and she said that she hadnt. 

6. I called on XXXX and talked to XXXX XXXX. She said that XXXX had sent them a check but that they couldnt find it. Zwicker requested the check number from XXXX. I proposed that Zwicker pay us the {$300.00} and then they could pursue the issue with XXXX. XXXX said she wasnt authorized to do that and that she had to talk to her boss. She said that her boss had left for the day when I asked her to talk to him. I then requested that she talk to him about my proposal. 

7. I called on XXXX to talk to XXXX but she wasnt available so I talked to XXXX XXXX. She said that internal correspondence on XXXX indicated that the check was authorized to be sent directly to me from XXXX. She expected it to arrive no later than XXXX. She requested that I inform her when the check arrived. The check has never arrived. 

8. On XXXX I filed a XXXX XXXX XXXX complaint in XXXX name. The complaint number is XXXX. Ive not heard from the XXXX  as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are multiple Hard credit inquiries for the same credit check on the account. 

XXXX XXXX was never given permission to pull hard credit but they did I called the bank they have denied to take out from Credit report. 

Please help me fix the issues currently my score is XXXX but my goal is to take it to XXXX I have been working hard to get there but some of the company hurts people like me to reach my goal. Please help me Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
In 2018 i refinanced my house with quicken loans. I owed XXXX to Barcley 's bank for a credit card. XXXX wrote a check to Barcley 's for the total amount due of XXXX payable to Barcley 's. I sent Barcley ; s the check and the debt was declared paid in full by Barcley 's. Apparently Barcley 's had hired a collection agency named XXXX for my debt. I have no recollection of dealing with XXXX, but either Barcley 's failed to notify XXXX that they received payment or XXXX failed to remove it from the credit bureaus because I have just refinced my house again with XXXX to get a lower interest rate and once again they have made another check to Barcley 's for the same XXXX. I have now had to pay Barclay 's twice for the same debt. XXXX 's tells me I will have to contact XXXX. However, my Check is made out to Barcley 's  and since I don't owe the XXXX Barcley 's will have deposit the check and reimburse me. Barley 's or XXXX XXXX should have removed this debt from the credit bureaus so I didn't have to pay it twice, If you could help me clear this up I would appreciate it.

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 2020-08-22 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: GA

Complaint narrative:
This letter is in response to your recent claim that EXPERIAN has verified through XXXX XXXX XXXX XXXX that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/1995 ), you may be liable for  your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit  Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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