vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these items. It would mean a lot to me if you could assist in removing the following from my credit report. these are the items : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a capital one card and they said that they couldn't approve me for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my 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 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
complete fraud! since 1 year they do not allow me to add a new bank to withdraw funds. since weeks I cant send any money to other users their system declines!

when I contacted support they asked for my bank statement and ID document. then I got a message that I must wait another 15 business days. this is a fraud they have {$4200.00} from me. I reported them here before they are just lying very good trained scammers. law enforcement must take action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly request the removal of this late payment from my account, as it does not reflect my payment history accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit 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: FL

Complaint narrative:
Subject : Re : Dispute Regarding Unsatisfactory Service at XXXX XXXX ( Case # XXXX ) I am writing to express my strong dissatisfaction with the handling of my dispute regarding a service performed at XXXX XXXX XXXX XX/XX/XXXX ( Case ID : XXXX ). The service, totaling {$2900.00}, included a XXXX oil change, acceleration issue diagnoses, and brake fluid exchange. 

Timeline of Events : XX/XX/XXXX : I paid {$2900.00} for the aforementioned service at XXXX XXXX. 
XX/XX/XXXX : Dissatisfied with the service quality, I filed a dispute with Chase, highlighting the unsatisfactory service received. 
XX/XX/XXXX : As per Chase 's request, I submitted additional documentation, including a report and second opinion from XXXX XXXX XXXX XXXX, clearly identifying discrepancies in the service provided. 
XX/XX/XXXX : Chase initially acknowledged the dispute 's validity. 
XX/XX/XXXX : Concerned with the lack of clarity, I re-contacted Chase, reiterating my concerns and providing further evidence. 
XX/XX/XXXX : After months of no updates, I inquired about the dispute status. 
XX/XX/XXXX : I contacted Chase again and learned the dispute remained " under merchant review '' despite exceeding a reasonable timeframe. 
XX/XX/XXXX : Chase unexpectedly closed the case, reiterating its validity. 
XX/XX/XXXX : Upon receiving a physical letter, I discovered the online status still displayed " under merchant review. '' I contacted Chase and escalated the issue to the Executive team. 
XX/XX/XXXX : The Executive team denied my claim, stating no justification was found.

My Concerns : Misrepresentation of Dispute : Initially, I disputed the charges due to unsatisfactory service, yet Chase initially categorized it as a suspected fraudulent transaction.

Inadequate Justification for Denial : Despite providing substantial evidence ( second opinion report, service invoice showcasing inconsistencies ), Chase failed to provide a valid justification for denying my claim.

Inconsistent Communication : Throughout the process, the online status update system lacked accuracy, and communication was inconsistent.

I am deeply disappointed with the handling of this case. The evidence clearly demonstrates that the service was not performed correctly, and the lack of transparency and justification for the final decision is unacceptable.

Therefore, I formally request that you re-evaluate my dispute and consider the evidence provided. I believe a full refund is the appropriate resolution in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
National Credit Systems refuses to give me an itemized breakdown of the debt that is owed. I have attempted contact through phone call on several occasions spread out throughout the last few years and can never get an itemized list of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I havent been able to use the PayPal debit card for over 2 months I get my direct deposit into that account it always decline and PayPal says its an internal problem and they dont have no time frame to get it fixed, every time I attempt to transfer money to my other regular account it denied only few times allow me to transfer and block me access to my funds for days I have been charged unnecessary fee for transfers I should be able to use the debit card and I believe PayPal its keeping it blocked so they can keep charging me all transfer fees and they wont even let me withdraw the entire amount so I have to keep doing transfers once a week as permitted I even attempted to transfer XXXX  dollar to my regular checking account non PayPal an it was never received but PayPal did took the money off from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Every month I have been pulling my credit report and all the information was wrong, I sent in my ID and Proof of address. They haven't corrected or updated it yet. I also seen that there is wrong information on my credit report that shouldn't be there when it comes to my account. I circled all the incorrect information and asked them to prove it, and I know they cant because it is actually incorrect. Now Im at the point where I am waisting money doing this and now Im seeking reparations, and to correct the late payments on XXXX and remove the other accounts XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Every month I have been pulling my credit report and all the information was wrong, I sent in my ID and Proof of address. They haven't corrected or updated it yet. I also seen that there is wrong information on my credit report that shouldn't be there when it comes to my account. I circled all the incorrect information and asked them to prove it, and I know they cant because it is actually incorrect. Now Im at the point where I am waisting money doing this and now Im seeking reparations, and to correct the late payments on XXXX and remove the other accounts XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have conducted a thorough UCC-11 '' search with the Texas secretary of state UCC Filing office, which has revealed that there are no, such as " no record of such a secured transaction exists under my name, '' " the debt has been satisfied as per filing number XXXX dated XX/XX/XXXX, '' or " the secured transaction was erroneously reported under my name ''. The accounts in question are -XXXX  XXXX - Account Number : # XXXX - Reported Balance : {$8900.00} -XXXX XXXX XXXX XXXXAccount Number : XXXX. 
Reported balance : {$780.00} XXXXXXXX XXXX XXXX -Account Number : # XXXX Reported Balance : {$3000.00} Despite Numerous written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. By the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy ( 15 USC 1681 section 604a section2 ). 

Its also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666B a creditor may not treat a payment on a credit card account under n open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been with Synchrony Bank via " Care credit '' which is a line of medically related credit. I always made my payments on time, online, using my same bank. When it came down to the last payment owed, Synchrony bank said that my payment was declined. I never wait until the due date to make payments, so I went and made sure the money was in fact there and that the account were accurate, and resubmitted the payment. Some days later I got another email saying the payment was declined. I looked online and Synchrony bank showed no balance, so I assumed the email was an old communication. But then I got ANOTHER email saying that my account was now flagged as delinquent. So again I went online to see what I could see about WHY the payment wasn't being processed. I submitted the payment AGAIN, but this time I also opted to speak directly to an agent immediately following my online submission. He suggested that the previous payments didn't go through due to insufficient funds, which was never the case. He also implied my own human error in entering the account information, which also wasn't the case as I had saved the account information on throt system for fast easy payments. He said he could see the payment attempts. I asked if there could have been an error on their side of the automated process, and if we could please go ahead with a manual payment to insure it would not be rejected again. I also asked what could be done about the credit reporting, as I have never made a late payment to them or to ANY account. He said that I would have to take it up with a credit reporting agency. Then Synchrony bank closed my account, citing dishonored payments as the reason! This is unfair credit reporting, as it wasn't my fault their system stopped accepting payments randomly at the last payment due! Please note that the account has been settled in full.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
On XXXX XXXX at XXXX XXXX  I received a text message from Central Portfolio Control Inc. " a licensed bill collector '' asking me to contact their office at a specified number. I did an internet search to verify legitimacy, found the official website, and called them from a number provided there. I was connected with an agent that confirmed my name based off the number I was calling from. They began to try to confirm my identity further by listing the address and birthdate they had on file. All the information, except my name and an old address, was not a match to their account. Despite this the agent wanted me to pay the bill and he offered me a credit if paid within the next 48 hours. He said if I didn't pay it would damage my credit. I told the agent I wanted to call the medical company to verify if I had any unpaid bills that had been sent to collections. I called the medical company and they said all my accounts were paid and closed. I called the collections company back and spoke to a different representative and explained what had happened so far. She said that I was not a match to the person on the account based off the different birthday and other information. I asked if my name and credit would be affected She said the debt was not mine so it would be closed. I'm frustrated that I wasted the entire morning trying to track down a debt that was never mine to begin with. If I was a more naive person I might have paid right away when I was threatened by the first agent who said I should pay despite the fact that my information was different from the person they had on file. I did my best to confirm this was a legitimate business before I called but I still can not shake the feeling I was dealing with scammers making fraudulent claims and I'm concerned about the fact that they have any of my personal information at all.

Company response to consumer: Closed with explanation