vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
XX/XX/2019 I spoke to the 'seller ' on XXXX , XXXX   XXXX who alleged that she had 1 ticket to sell for the XXXX XXXX concert on XX/XX/XXXX in XXXX Md. She offered to sell it to me for {$50.00}. The payment method was via Paypal, XXXX I completed the transaction she asked for a screenshot of the transaction from PayPal which I sent and her last words were ' I will send the XXXX to you right now ' that was XXXX. She never sent the XXXX and closed down communication with me on XXXX. I contacted Paypal and they said the transaction was considered a 'personal payment ' and there was nothing they could do to help me. I looked on my bank account and the money had already been deducted from my checking account. I need someone to help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
# XXXX, # XXXX as well as Regular inquires I did not approve of. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 's XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX The regular inquires I did not approve of and took my report without consent I am asking to be removed from credit report. The accounts that have been closed I'm requesting taken off. Kohls has already been paid in full and XXXX did not credit my account for money they had taken from my account. That is why my account was charged off and I called multiple times for them to correct this and they did not. It is not my fault they closed my account and will not refund money to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was able to follow up withCapital One. Their Representative XXXX contact me on XX/XX/XXXX regarding my complaint I submitted XXXX. I call back and left voicemail message on XX/XX/XXXX. She didn't return my call, on XX/XX/XXXX. I call Capital One again. The Representatives tranferred me to Ms. XXXX extension, due to her phone continued going to voicemail. After speaking to Ms. XXXX she stated my account was tranferred to XXXX at ext. XXXX. Ms. XXXX tranferred me to Ms. XXXX. I begin explain to her my concerns in regards the complaint in question. Ms XXXX stated misleading & false information. That when I applied for Credit Card. I did not add rider XXXX XXXX XXXX. She stated that Capital One didnt not offer XXXX XXXX XXXX in XX/XX/XXXX, when I applied. Her statement was untrue, I ask to add riders XXXX XXXX, because I had previous Financial Problems and I wanted to make sure that my Credit Card would be protected if I had any future unexpected Financial circumstances. I didn't reach Capital One started cancel credit protection insurance XX/XX/XXXX. Ms. XXXX conduct was unethical. She became hostile and agressive when talking to me her conduct was unprofessional. Because I explained the information she was stated was false and misleading. I decided to end the call and hangup on her. I became upset and stress. This cause me to have a flare up un regards my health. She was not helpful and rude. Capital One Record all their conversations. The Managerment Executives should retrieve and research their voice recording records for playback. 

Thank you for your prompt attention regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
Dear CFPB, I am so chocking today that a company names : Midwest recovery system did HARD pull on my credit bureaus and put a DELINQUENCY XXXX $ collection debts that I dont have no clue what is it and where that coming cause I never received a billed letter to my address until today they fraudulently entered to my credit reports and take they feet down to my neck and messing up my credit score and my credit report.In that particular case I want Midwest Recovery System take immediately action and removed this item from all my 3 credit bureaus..Thank you very much! Please CFPB, received my most sincere Greetings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Two Automatic Clearing House ( ACH ) transactions in the amount of + {$20.00} and + {$370.00} were debited from XXXX and transferred to XXXX XXXX  XXXX  on XX/XX/XXXX and XX/XX/XXXX respectively. 

On XX/XX/XXXX, XXXX XXXX XXXX returned the funds to the originator. Although, the funds were debited from XXXX account, the originating source of the ACH transfer was actually Bank of America ( refer to attached CFPB complaint response from XXXX XXXX XXXX on XX/XX/XXXX, which include detailed return trace IDs ). 

Contacted Customer Service at Bank of America via phone several times since XX/XX/XXXX. Transferred to various departments, however, without resolution to this matter or ability to " open an internal claim '' to reclaim the funds.

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 2019-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I have had an account with American Express Credit Cards for over 6 months. I have had a {$10000.00} line of credit with them since opening the account. I have a {$4000.00} balance on the account and all payments have exceeded the minimum monthly payment due and have been paid prior to the due date, with no late payments ever. 
On XX/XX/19, I received an email informing me that they lowered my line of credit to {$4400.00} for no reason. I replied to the feedback link they sent in the email, as they wanted my feedback. I explained that this was completely uncalled for and an unfair business practice. I additionally asked about how to file an appeal and how that process works. 
I have received no response and would like this this looked into please. I have never had any missed or late payments on any of my credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America Auto Loan Issue 1 : Have been a BofA customer since mid-XXXXs. Have multiple products. Applied and was pre-approved for a {$30000.00} auto loan some days before XX/XX/XXXX. The offer came with a number I used to show the dealership. The first problem was that the dealership had troubling contacting the auto lending arm on XX/XX/XXXX, when i purchased the car. The dealership used the pre-approval # furnished to complete the paperwork and i signed and left the lot. The following Monday the dealership called to let me know that the Bank did not approve of the " new '' car rate but higher " used '' car rate because the car was new but from the previous calendar year. It was very inconvenient but more problematic, had I know the higher rate would be applied, while at the dealership, i may have bargained for a lower alternate financing offer, but at that point it was too late ; we only wanted to close the deal and go home. Had to drive across the county to sign new paperwork. 

Issue 2 : The pre-approval message is electronic and provides a " new '' and " used '' rate and does not define that in the email message. The customer has to click a link in the email message to get to an agreement letter. The information you need to figure this is out is on page two ( have to click to next page or scroll ) of the agreement that you click on. It is very difficult to find and there is no reason why it should not be spelled on in the email message that even new cars from the prior calendar year are not eligible for the " new '' car rate. 

Issue 3 : It was nearly impossible to get to customer service for the auto lending division. It is not connected to the main bank. You have to use a different set of numbers and i tried over two days, no less than three times, with crazy wait times to finally speak to a loan officer who could explain the issue and could do nothing about it. 

Issue 4 : How come a XXXX ( previous year ) car with 22 miles on it can be considered " used '' by a finance company when purchased in XX/XX/XXXX? Its not as if the manufacturing made any significant changes in the safety or other features of the car. It is completely arbitrary and outrageous. Three years maybe, five years definitely, one year - not at all. 

In the end, i have a new car and a new loan. But this process is terrible and a lot of problems could have been avoided. Can't imagine how other customers have dealt with this.

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 2019-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: FL

Complaint narrative:
This company hasnt verified I owe this debt and will not send me documentation stating that it is owed with my signature attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I had a car loan through Credit Acceptance when my vehicle was totaled in a crash. I continued to make the monthly payments on-time each month until the loan was paid off. Credit Acceptance is incorrectly reporting a negative pay status on my credit report. This is the only account on my credit report that reports as a collection/chargeoff with a derogatory account status. When I called them they refused to change the reporting status on this paid account which causes me to be denied for new credit.

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 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2019 XXXX XXXX reported a late payment that was inaccurate and the reporting agency keeps reporting it. the XXXX XXXX  balance was paid off in full and had a XXXX  balance. XXXX XXXX went ahead after that fact and charge some random fee that I wasn't aware of and that's the reason they use to say am late when I wasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Enterprise Acquisitions
State: VA

Complaint narrative:
The car rental company, Enterprise, gave me to use a car with an international driving license of another country. They have actual information about my living in the USA. In the end, when driving a car, I was arrested for not having a driver 's license in the state of Virginia. 
After the arrest, my car was taken away and sent to a paid parking lot. As a result, the company charged me money for rent and for paid parking 2 times more. 
Looking from the pink side, whose fault is it? This is not my fault, they saw all my documents and information. I demand a refund and moral damages for a lawyer!

Company response to consumer: Untimely response
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2019 XXXX XXXX reported a late payment that was inaccurate and the reporting agency keeps reporting it. the XXXX XXXX   balance was paid off in full and had a XXXX  balance. XXXX XXXX   went ahead after that fact and charge some random fee that I wasn't aware of and that's the reason they use to say am late when I wasn't.

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 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & Weiner sent me letters about an alleged debt asking me to pay them. They are reporting to the major credit bureaus although they have not sent me any document to prove this debt is mine. I have requested twice by certified letter and these letters are attached with this complaint. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to { {$300.00} }. I have never had an account with XXXX. I have sent them two Certified dispute letters stating that if they can not verify this account, they should not report or need to remove the account from my credit reports. They have responded once with a letter asking me to pay for this alleged account and have not provided any verification of this debt. They still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I had a car loan through XXXX XXXX when my vehicle was totaled in a crash. I continued to make the monthly payments on-time each month until the loan was paid off. XXXX XXXX is incorrectly reporting a negative pay status on my credit report. This is the only account on my credit report that reports as a collection/chargeoff with a derogatory account status. When I called them they refused to change the reporting status on this paid account which causes me to be denied for new credit.

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 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
was offered a credit card without applying several months ago. In XX/XX/XXXX, I was offered a promotion to transfer any balances up to my {$14000.00} credit limit with no interest or payments until XXXX. I transferred just under {$1000.00} r4om my discover card. I have since paid my account off every month. The method I use to do this is to check the statement balance, subtract the XXXX amount and pay the balance. A few times, I've had credits that have affected the balance after the statement " cut ''. On one occasion, a few months after accepting the offer, I received a statement that had the XXXX balance reduced by around {$14.00} even though I'd directed no payments to that account. I called the company and after playing for a long time with their on-line system - clearly designed so they never have to actually talk to a customer - actually spoke to some people who very unhelpful. In the end, after spending a couple of hours of my time trying to resolve this I gave up. As noted above, I have from time to time called the company to determine what payment needed to be made to maintain by promotional balance and not have any interest accrue on the remainder. This last statement showed my promotional balance completely wiped out, effectively increasing my immediate debt by almost {$1000.00}. After spending much more time on the phone a week ago, I spoke to a supervisor who indicated they had made a mistake and she would fix it and call me back. As of today, this has not occurred. I have communicated numerous times that I do not intend to pay off the promotional balance until the very last day of the promotional period, but they don't care they just want they money. This is a FCRA violation, blatant fraud and a violation of UDAAP. This has all been highly complicated by errors they have made handling several fraudulent charges on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Barclay XXXX XXXX is a time share credit card that XXXX XXXX had me apply for so they could get there down payment from the presentation. After coming back from my vacation I found out XXXX XXXX   misrepresented the program. I called credit card to dispute the charge. They said they cant because I have nothing it writing and they can't help with the verbal statements. Even though everything XXXX XXXX said was a lie they wont continue with the dispute.

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 2019-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
I am lodging a formal complaint against medical data systems. medical data systems has continued to report a debt for {$300.00} on my three credit reports that isn't mine. ive sent this company debt validation letters and they have continued to ignore my debt validation, but are still reporting every month which is a violation of the fcra. This debt is stopping me from purchasing my first home. I am demanding this company delete this account that doesn't belong to me from my credit reports. I will have to sue medical data systems if they don't delete immediately. as they continue to violate the fcra and my rights. thanks for your time!

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 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: FL

Complaint narrative:
This collection agency is using unethical tactics to collect a debt. I requested the following information from them to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving them the authority to collect the debt, and a complete accounting / statement of payments with interest and fees to validate this debt.

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 2019-04-08 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: OH

Complaint narrative:
I have reviewed my Trans Union credit report and found numerous credit inquires listed that I have no idea who these creditors are that pulled my credit report! I disputed these fraudulent credit inquires with Tran Union ( XX/XX/XXXX ) and no action was taken or response as of XX/XX/XXXX! I am definitely a victim of Trans Union " inquiry issue ''! I called these creditors on my Trans Union credit report and all of the creditors advised me that no record of my name or social security number is on file for obtaining credit! The following inquires are listed on my Trans Union credit report : XXXX XXXX XXXX : XXXX XXXX XXXX ( showing twice the same month ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX-XXXX-XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX! XXXX XXXX is reporting me twice in one month XXXX, XXXX which is obviously insane!!!

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 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc.
State: FL

Complaint narrative:
This collection agency is using unethical tactics to collect a debt. I requested the following information from them to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving them the authority to collect the debt, and a complete accounting / statement of payments with interest and fees to validate this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation