vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received a bill from XXXX XXXX XXXX. I owed XXXX I sent a letter XX/XX/XXXX to inquire verification of debt. I asked them in writing for more information on the their company as well along a copy of the judgement against me. I did go to University XXXX XXXX for a semester XXXX, my cost was to be XXXX. I paid back around XXXX .Cost sent me another bill from them XXXX along with a generic promissory note with a date XX/XX/XXXX which I went to school XXXX. I just want to know what they are charging me for, I want a breakdown of what I am paying for and they will not give 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 2019-05-31 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: U.S. BANCORP
State: OK

Complaint narrative:
XXXX Charge of {$5500.00} by Government Contracting XXXX Dispute of charge filed with Cardmember Service XXXX Contacted merchant to try and resolve issue - merchant refused XXXX Provisional credit of {$5500.00} charge XXXX Submitted 25 pages of supporting documents to Cardmember Service regarding dispute. XXXX Discovered that the provisional credit had been reversed. XXXX XXXX called and inquired about this. Then she requested that she be contacted by someone in the dispute department because we didn't agree with the information that Government Contracting had provided to Cardmember Service and wanted to continue to dispute this charge. She was told that she would receive a call back within two business days. XXXX XXXX XXXX contacted Cardmember Service by phone asking to speak to someone regarding the dispute. She was told by the person who took her call that someone would call her back that week. XXXX XXXX XXXX contacted XXXX XXXX  XXXX for help with our credit card issue and was told that they don't handle these things and we have to deal directly with XXXX, the owner of the credit card. XXXX We faxed a letter to Cardmember Service explaining that we were still waiting to hear back from someone regarding this dispute and that if we didn't hear anything by XXXX we would be filing a complaint with CFPB. XXXX we mailed a copy of the fax that was sent on XXXX XXXX XXXX XXXX is filing this complaint for us and is representing 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 2019-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: CA

Complaint narrative:
NetSpend authorized over 21 charges in XXXX over 88 minutes directly after my direct deposit. This was clearly an inside job of a NetSpend employee as the first phishing attempts occurred the same time of month my regular direct deposit occurs, always XXXX XXXX of the month. 
They refused to open a case with a case number while the requests were pending showing hold which further jeopardized my efforts to conform to their policy, report within 24 hours. 

Their call center is in XXXX. All my legal charges are in California, XXXX and only ever in XXXX out of America. 

Four to five charges from XXXX occurred per minute directly on the XXXX my paycheck direct deposit came in at XXXX XXXX with 5-6 companies repeatedly making charges. NetSpend provided the approval codes starting at XXXX, XXXX all the way consecutively through XXXX. Fraud of $ XXXX+ occurred and NetSpend made 0 efforts to warn me. These were all made in XXXX where I have never purchased online, I am born in California, have never been to XXXX and charges totaling $ XXXX+ were  taken from my checking account balance before I looked at my phone, my paycheck availability immediately was reduced {$2600.00} versus a Hold being placed. 

Card was cancelled within 2 hours of this. After cancellation, 10 hours later another 29 charges from the same criminal organizations in XXXX and charges below were placed on Hold and Pending by NetSpend.

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 2019-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I was under the impression my Paypal account is closed due to it permanently restricted from use, no transactions allowed to or from it. This also applies to purchases. It appears it is in fact permanently restricted. I need a statement from Paypal with the exact date it was restricted and if it ever was linked to another Paypal account, the email XXXX. Linked account refers to any and all funds transfers from XXXX to my account from the time period of XX/XX/XXXX to today, XX/XX/XXXX. Specifically, I request a research for a transfer in the amount if {$4200.00} during the same time period. I need this to show rep ( s ) with XXXX XXXX, their rep stated my Paypal account was or is linked to XXXX, this refers to any funds transfers to or from it. XXXX XXXX mailed me a close out check in the amount of XXXX on or around XX/XX/XXXX, intercepted by a third party and cashed. Needless to say, I did not receive the funds. XXXX XXXX rep referred to the Paypal account, XXXX, inferring the account was used to possibly transfer funds to my account which was suspended at the time. I need a brief statement showing 1 ) Exact date Paypal account was suspended, 2 ) a research for any transfers during the time period XX/XX/XXXX to today, XX/XX/XXXX, specifically the amount of {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a hard inquiry. I would like to remove the hard inquiry on my report with Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase is forcing arbitration on me. I can choose to either surrender my right to sue them in a court of law, or they will cancel my credit cards. By cancelling my credit cards I would lose 30+ years of combined credit history as well as tens of thousands of dollars in limits/utilization. This can't possibly be legal. They are going to destroy my credit if I don't surrender my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Upon requesting and viewing my credit file with Equifax ( File # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Equifax ). Here are the errors that I need Equifax to correct. 1. XXXX XXXX XXXX- This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XX/XX/2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 2. XXXX XXXX- This account is paid in full. 3. XXXX XXXX XXXX This is not my account. I have never done business with the company listed. 4. XXXX XXXX XXXX- This is not my account. I have never done business with the company listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: GA

Complaint narrative:
I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I see some things on there that are not mine. I have filed a report with the CFPB and my local police. I'm doing this on my own behalf. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my 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 non-monetary relief
Consumer complaint received 2019-05-31 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: GA

Complaint narrative:
I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I see some things on there that are not mine. I have filed a report with the CFPB and my local police. I'm doing this on my own behalf. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
It is hard to vocalize how difficult it is to have deal with Paypal. The representatives trying to use anyway to take an advantage and charge illegal fees for friends and family option that supposed to be free at no charge between Paypal members. They invite to add other cards on Paypal account and after that they try to charge credit cards for option family and friends and completely blocked free option and stay ignored on my inquires, emails and messages. Resolution center does not allow opening the case for any of my inquiry that they could have no records of their outrageous power abuse and my attempts to get through. They use anyway to keep their hands on my money and play with that and I have to work hard every day to XXXX them to move my money to family per my request. 
I was waiting since XX/XX/19 and I began to communicate in writing with Paypal to move my money and we got exhausted. Paypal representatives act blind and/or like they do not understand English and try to redirect my inquiries to a different issue that they made up and trying to talk to me to apply for debit business card. I had extremely difficult times to get a PayPal debit card. They lied constantly until finally I got it. But now I need a replacement card and they act like blind on my request in writing and deleted that option when I could just click on and order the replacement card. They try to block me from every possible way to access my money that they imprisoned. They imprisoned my money and charged fees that they refused to return and now even imprisoned my wishes and actions. 
These four transactions that they used their power abuse to charge illegal fees for family and friends transactions : Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Transaction ID XXXX family and friends request sent for {$2100.00} and Paypal does not allow me to use family and friends option and want to charge my credit cards.

My Cash Money {$2800.00} on my account and they blocked my money from me. Please help. They keep their Resolution Center corrupted that does not allow to open the case against the inside abuse. They act like thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: WI

Complaint narrative:
I have a student loan through Earnest and ever since they were bought out and transitioned to to the new servicer I have had nothing but problems!! when I signed up for them they had biweekly auto pay, an app and you could change payment amount online and see payoff date. All of these things are no longer available. The also made me change my payment date when they switched. App has been down for over a year and they have made it next to impossible to pay off the loan. 

I scheduled a payment mid XXXX for XX/XX/XXXX and received confirmation of my payment. It is now XX/XX/XXXX and the payment hasnt posted on my account. It has been taken out of my checking account as of XX/XX/XXXX. Meanwhile the interest keeps accruing! I called Earnest and they tell me that there is a glitch and payments are not crediting. THIS IS A MAJOR ISSUE. had I have not been mini obsessed over my student loans I would have never known and they would have made {$860.00} plus interest off me. The person told me the are updating their system. Updating system when they just did and it wasnt working right? Its been a whole day and my payment has yet to credit. My next payment is coming due soon and I am scared they arent going to credit my account properly for the interest. These people are making $ XXXX a year in interest off of me and they cant even credit my payment?! 

This company should receive action from the government for making it next to impossible for students to pay of their loans and pay them off as fast as possible!

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 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I see some things on there that are not mine. I have filed a report with the CFPB and my local police. I'm doing this on my own behalf. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my 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 2019-05-31 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: GA

Complaint narrative:
Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was buying to buy a house for my family and couldnt because of the things on there not mine. Please remove them from my credit. I contacted the police and file a report with the FTC. I'm doing this on my own behalf. The accounts are XXXX XXXX, Dpt EdXXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for you help 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 non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX website to purchase a flight ( {$160.00} ) - I was invited to have my trip price offset by {$200.00} ( a statement credit ) If I was approved for an AMEX DELTA credit card - It stated that, after my credit, I would owe nothing. 

I took the bait - I was approved. Keep in mind I still need to purchase my flight! A prompt offered to give me my credit card number RIGHT NOW ( over the internet? ) and stated " If you'd like to make purchases online you can get your account number now or you can wait for your account card in the mail ''. 

I figured " I only want my flight and I don't want to lose the {$160.00} price so I will NOT go online and make purchases, that sounds unsafe anyways, lets just get that statement credit! '' So I selected " send card in mail '' Well I never had any opportunity to use the newly approved charge - there was no option to use the account for payment - I HAD to get the number online right then. One would expect that the approved card would be used for THIS current application. Why wouldn't it? They certainly CAN do that if they wanted to. This is desined to mislead. Trust me - it is. 

I used an existing AMEX account I have - I called AMEX- they said " too bad '' and LITERALLY told me " the account number pops up for a fraction of a second, we are sorry you did not get it ''. 

I would have to purchase another flight in order to get a statement credit-

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have tried to dispute the account with Synchrony Bank/Walmart on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/XXXX. The amount owed is {$870.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case on XX/XX/XXXX. I was told this account had payments made. I did not make any payments on this account. I can also provide proof that I did not make or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from Synchrony Bank/Walmart and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal. I spoke to XXXX with Synchrony Bank Fraud Investigations on XX/XX/XXXX and was advised that they were able to show that the account belonged to me and that they wanted to know why I waited so long to call them and dispute the account as fraud. I explained that I never knew anything about the account nor do I acknowledge the debt. XXXX advised once again they did not have my proper documentation so I reached out to my credit monitoring service and also my Attorney in Fact to fax over the documents again to to fax number XXXX. XXXX was very vague in the information that he provided and states that an email address close to mine was used on the accounts which I can prove I never had that email address and never made payments on the accounts. He claims that they will receive the information again my Attorney in Fact faxed the documents to Synchrony Bank/Walmart on XX/XX/XXXX and she has fax confirmation and XXXX states will reopen the Fraud claims and process from there.

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 2019-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc.
State: PA

Complaint narrative:
I have an account by the name of Account Control Technology that has been on my report for months now. This is not my account and i need it taken off. the amount is {$1200.00}. I have disputed this but it has been kept on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB is constantly calling my cellphone multiple times per day using automated pre-recorded messages. I do not appreciate this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: GA

Complaint narrative:
Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was buying to buy a house for my family and couldnt because of the things on there not mine. Please remove them from my credit. I contacted the police and file a report with the FTC. I'm doing this on my own behalf. The accounts are XXXX XXXX, XXXX XXXX, GA XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for you help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 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: CITIBANK, N.A.
State: MA

Complaint narrative:
There is an inquiry that was placed on my credit report on XX/XX/2018 from SHELL/CBNA, I sent the company a dispute letter asking them to verify the inquiry because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiry. I received the copy of the application today XX/XX/2019, this application was submitted fraudulently.

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