vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal is nothing more than a criminal organization that rips people off on a daily basis. To be charged {$200.00} to RECEIVE a PayPal payment makes no sense at all. For {$200.00}, I would expect someone to hand deliver green cash to me by car from 50 miles away. It makes absolutely no sense.

There may not be anything more important to be active and VOTE about than this financial criminal activity. We all sit around on our non-political XXXX and let legislature get passed that allows this predatory activity to continue day after day. 
Say NO to PayPal! 
Write your congresspersons and INSIST that caps be put on these fees! 
Think about it. 
Receiving {$100.00} from a company costs the receiver around {$3.00}. Theres no way in XXXX receiving {$5000.00} should cost PayPal ONE CENT MORE. Its the same exact, automated process!! 
Few things in the world make me more angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Each month when attempting to make a payment, I am told that I must verify who I am by submitting a copy of my drivers license -- I am simply trying to log in and make a payment. THIS IS EVERY MONTH!! It is to the point that when I contact Capital One, they, too, are not able to access my account as well. I spend, at the minimum, 30 to 60 minutes each month just to log into my account which I still CAN NOT to pay. Please note that I am a stalking victim ( well documented to the FBI, DOJ, FCC and other agencies ) by Delaware State Police, Troop # XXXX and this credit card originates out of the state of Delaware. I am at the point that I do not want to pay the bill since I am not sure that the payment is being applied to the proper account when I am unable to log in to verify the transaction. This is illegal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC
State: PA

Complaint narrative:
According to CoreLogic Credco/CoreLogic website : https : //www.corelogic.com/support/credco-consumer-assistance/ it states the following : " How can I obtain a copy of my Credco Consumer Report? 
If you would like to obtain a copy of your Credco consumer report, please contact Credcos consumer relations department indicating that you would like a copy of your consumer report. 

By calling us at : ( XXXX ) XXXX. Our customer service representatives are available Monday through Friday from XXXX to XXXX PST to assist you or By mail to : Credco Consumer Relations Department XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please be sure to include your first, middle and last name, Social Security number, current address, date of birth and signature on your request. 

To safeguard your personal information, we will need to verify your identity. See How Credco Verifies Your Identify section below which outlines the necessary documents for us to process your request for a copy of your consumer report. '' However when I called the number and requested my report I was told that I could not get the report because they are a software company. The representative stated that she could look me up to see if they had any information on file. She was able to locate a report from 2014. I asked the representative if she could provide me with my report that CoreLogic had on file. She said she could not do that. She stated that if someone pulled my report they would get current credit information and not the information from 2014. I told her I would like to see what they have and make sure the information provided was correct. Again she told me this was not possible to get my report from you. The Fair Credit Reporting Act ( FCRA ) protects consumers from inaccurate and fraudulent financial information that can affect their ability to get a loan or rent an apartment. Under the act, furnishers of information to credit reporting agencies ( CRA ) are legally obligated to provide accurate information and to investigate and correct any disputed information. The Furnisher Rule also holds any furnisher of informationeven those who only occasionally report informationaccountable to certain standards.

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 2022-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When I try to open another bank and they keep saying something about a check system It was sometime in XXXX I really dont know about the actions of it because they refused to tell me

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 2022-07-26 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I have sent Spring Oak Capital LLC a certified green receipt for 1006.34 Validation request letter, which that have signed and received on XX/XX/2022. I have not heard or received any thing in regard to my request. I have also called XXXX and advise them that per 1006.34 ( b ) ( 5 ), Spring Oak has not responded or followed the law that has been put in place for validation of debt. I am following the laws that have been put in place for debt collection and the credit reporting agencies to follow, which now debt collector or credit reporting agencies have been doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Per XXXX XXXX our credit/owe is $ XXXX. This is for XXXX XXXX installment. We only owe $ XXXX not $ XXXX. We talked to XXXX XXXX on XX/XX/XXXX and explained to them that it's only $ XXXX and XXXX XXXX representative said she will call us back maybe that same day or later to give us update. We call again to check on them on XX/XX/XXXX and today XX/XX/XXXX but no call back. And it's already shown on our credit report .that makes our score went down. Please help. XXXX XXXX  are not calling us back anymore...

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 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My account was hacked and they overturned some important things like, XXXX  which caused my business to not be active, also my business account is on hold, and I don't know what else ... I also pay child support through XXXX  ... I will be at chase in morning to do a claim...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax 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 non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
This is regarding a bill from XXXX XXXX XXXX for XX/XX/21 service. 

When I got a bill from XXXX for {$91.00}, contacted that company. They reported that XXXX replied to their claim that information was missing. I got XXXX and XXXX on the phone, and it turned out that the Provider ID was incorrect. It took weeks for XXXX to get the correct information to XXXX, who proceeded to put the claim through their system. They agreed that this bill was theirs to pay and they would submit it through their system now that they had the correct information. 

XXXX decided to send this to XXXX for collection, anyway. When I talked with XXXX, they gave me an email address to show proof of payment. I did so at XXXX a.m. on XX/XX/XXXX. 
When I got another notice, I contacted them again, and they said they never got my email. I forwarded the first email on XX/XX/XXXX at XXXX pm and proceeded to call daily until they confirmed that they received it. 

I was told that they would have to send my documentation to XXXX for verification. That hasn't happened yet, and I received another notice from XXXX on Monday, XX/XX/XXXX. I called them and was told to disregard the notice, but they had no idea when I would hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information 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 non-monetary relief
Consumer complaint received 2022-07-26 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: LA

Complaint narrative:
XXXX received call at my work wanting to verify someones employment information. I asked who and she said my name, I said what, I have not applied for any loans. The lady name was XXXX and she sent me to fraud department. I immediately called credit agengys to put fraud alert on. Saturday XXXX still had inquires so I set up accounts with all 3 credit agencies and froze my credit. The thief has since tried to access my XXXX account online and it is no locked and no one there will help me. I have called everyday. These are companies that pulled my report and I have contacted each one and let them know it is fraud XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX ACCT # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: LA

Complaint narrative:
XXXX received call at my work wanting to verify someones employment information. I asked who and she said my name, I said what, I have not applied for any loans. The lady name was XXXX and she sent me to fraud department. I immediately called credit agengys to put fraud alert on. Saturday XXXX still had inquires so I set up accounts with all 3 credit agencies and froze my credit. The thief has since tried to access my Experian account online and it is no locked and no one there will help me. I have called everyday. These are companies that pulled my report and I have contacted each one and let them know it is fraud XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX ACCT # 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 non-monetary relief
Consumer complaint received 2022-07-26 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I opened a XXXX XXXX dispute with the CFPB and XXXX XXXX did not resolve my issue. The complaint was closed out. But they did provide me with documentation regarding the loan in question. The documents that they provided me do not match what they are reporting to the credit bureau. The amount being reported is {$7200.00}. Please remove this inaccurate information ASAP as pursuant to FCRA that my credit report must have accurate information at all times. Please have XXXX XXXX provide the documentation that verifies and matches the exact balance that is being reported. 

Acct. 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 2022-07-26 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: MD

Complaint narrative:
I have sent disputes regarding the attached matter and have not been provided the desired remedy nor was I provided specific documentation requested to validate that a proper investigation was done.

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions

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 2022-07-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information 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 2022-07-26 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: MN

Complaint narrative:
I disputed a dismissed bankruptcy on my credit report and it is still showing. I inquired about filing a bankruptcy but I never paid for the service or even signed any papers to have the guy to file on my behalf. I've had no luck contacting the company that I was working with to file the bankruptcy which is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX. The guy that I worked with name is XXXX XXXX. I still have all the same debt that I had before I spoke with him about filing. Nothing happened with this except the fact that it was placed on my credit report causing an even more damage to my credit than the things I currently have on there. I really need this removed. Thank you very much!

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 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I am filing a complaint due to a bait and switch ( the action ( generally illegal ) of advertising goods which are an apparent bargain, with the intention of honoring ) for the XXXX XXXX XXXX promotion by AmericanExpress that offers : Spend {$300.00} or more, get {$60.00} back. This promotion runs from XX/XX/2022, to XX/XX/2022. The terms and conditions state : spend a minimum of {$300.00} USD in one or more purchases on room rate and room chargesand receive a {$60.00} statement credit. 

On XX/XX/2022, purchases {$700.00} for a XXXX for room charges, but the promotional amount of {$60.00} credit has not been placed on my credit card statement. On XX/XX/2022 about XXXX XXXX  XXXX time, I called American Express customer service and spoke with XXXX ( agent number XXXX ) and inquired why the promotion was not honored. 

I asked the American Express customer service agent to send the reason why this promotion would not be honored. XXXX made the following statements : -The charge was for lodging at XXXX and not for a Room Charge so it can not be honored.

-American Express does not have a way to send the reason why this promotion will not be honored in writing to you. Let me read the terms and conditions to you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26 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: AZ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$360.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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