vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recovery keeps calling my cell phone several times a day through the week. I have called them back and spoke to them about recently having a XXXX XXXX Bankruptcy Discharge. The person told me she could see it and said he would talk to her manager about taking me off the call list. That was about a month ago and I still get repeated phone calls several times a week and throughout the day.

The debt was when I was around XXXX  years of age and I am now XXXX  years old. The statue of limitations in the State of Oregon where I am a resident is 6 years on collecting a debt. 

The company needs to cease and desist from contacting me once they receive this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On the evening of Friday, XX/XX/XXXX, I tried to give my daughter-in-law, XXXX XXXX XXXX, a gift of {$6000.00} to help her understand the beauty of saving for retirement. I have used PayPal since XXXX and have in recent years taken to using it to give my young relatives gifts as the young folk so rarely use checks. 

I think the PayPal transaction ID is : XXXX. 

However, XXXX is new to my address list, she and my son married this past XXXX, so things have changed since I last set someone up. Using my Android phone for the transaction, as I just recently did for my nephews ' XXXX gifts, I came to the screen to send. At the top was a grayed out button labeled " Goods and Services ''. I have since learned that I would have to push that button to get to a choice for Friends and Family. But that is NOT at all intuitive. And, then my thumb grazed the blue Send button and it was done. 

This mistake shorted my daughter-in-law {$170.00}! 

When she told me, we were in the same room, I tried to immediately reverse it as did she. I then struggled to find a way to ask for help. Through the PayPal Assistant Message Center I explained what happened and asked to have the transaction reversed or otherwise to eliminate the fee. I assure you, as I did them, no Goods nor Services were or are involved. I called the number too and both responses were that I should ask XXXX to call their 1-888 number to have this reversed. Given her working hours the next this could be done was XXXX evening. I filed a dispute and exchanged messages with them again this morning XXXX. 

The response, through multiple people in their hierarchy, was they were sorry we were unhappy, but the fee could not be reversed. They would return the {$5800.00} to me but never, ever could they refund the fee. It was extremely unpleasant to listen and join in on the call - from time to time we were asked to have the other of us call with the likely goal of getting rid of us. No change to this after filing the dispute. Again, its impossible to refund a Goods and Services fee no matter how sneakily it was collected! 

I am old, XXXX, but not inexperienced at using technology and the deceptive trick of selecting the grayed out Goods and Services did not occur to me. Then there was no review screen before finalizing ( in my case, grazing ) Send. I feel tricked and my trust misused. 

I want you to know I have used Goods and Services extensively through XXXX and other online transactions and appreciated its protections when Goods and Services were involved! But this is not this case! 

I ask you to restore the {$170.00} to either me or XXXX. 

I especially ask you to make PayPal correct their misleading menu to make it absolutely transparent which category- Goods and Services or Friends and Family- is being selected. 

Thank you, respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was booking a XXXX cruise. When I got to the payment page there was an option to apply for the Barclay Carnival credit card. I applied for the credit card and was approved for funds greater than the cost of the cruise that I was booking. After showing my approval, the page prompts to complete the booking. When I selected the complete booking option I get an error page with nonsense script. There is no option to complete the booking process with the credit card that was just opened. 
I did video the process. The process repeated when my husband tried doing the exact same process to open an 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 non-monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I did some transactions through US Bank on XXXX XXXX XXXX and found out these transactions were a scam. Because they were cash transactions in the amounts of {$52000.00}, the bank said they didn't know what I did with the cash, so they couldn't reimburse me. 
They reimbursed me for two receipts because they were on my debit card. I told them I had other receipts, but they said they wouldn't look at them because these receipts didn't say what I did with the cash. The bank told me I could have kept the cash and gambled it away. Actually I used the money to help someone who I thought I could trust. I got XXXX. 

My family has been using this bank for over fifty years -- my grandparents, parents and now me. In all these years this is the first time that anything like this has occurred. I was always taught that the bank helps you in times like these. Now, because they don't know what I did with the money, they can't help me. I've already paid off the 3 loans I took out and my credit card was reimbursed through the credit card company. Scams happen frequently, and I was totally unaware this was a scam. I got robbed. 

I feel a fair solution would be to reimburse me, as this is the only time in over fifty years of family banking that something like this has occurred. As I have never encountered this before, I will now be extra alert and more careful about how I do transactuons. 

Sincerely, 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 2022-01-09 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: CA

Complaint narrative:
Hi, I have recently starting having this problem about a month ago. 

I enter my userid and password and I'm passed to a link that says " We've detected a problem while logging in ''. I am then prompted to select receiving a special code to let me login. I selected a phone call which happen correctly and successfully. This is a pain in my back side. 

I just got off the phone with CapitalOne 's customer support people. I asked them why I was being required to do their 2 step verification process CONSTANTLY. They said they couldn't help me. I asked for a supervisor and got the same answer. Clearly there is something wrong or broken with this process ( me or their web site ) but was told that there was NO ONE WHO COULD HELP ME and that their site is functioning properly and that, basically, I was stuck. 

This answer is unacceptable to me but I could NOT find someone who could help me. 

Can you get their attention on my behalf please? 

XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: OH

Complaint narrative:
XXXX didn't properly resolve my dispute. Identity theft is one of the largest crimes committed in the United States. The application document that was sent with their response contains an unknown address ( XXXX XXXX XXXX XXXX XXXX OH XXXX ). I have no knowledge of this address nor is it listed/connected with any other accounts on my credit report. The application doesn't have a copy of my Valid ID Card with said address nor list the last four of my SSN to ensure security and verification. Just a signature that anyone could have forged. Which XXXX store was this application processed through? Have you conducted a thorough investigation questioning XXXX XXXX in order to verify my identity? I have checking accounts with XXXX but I have never pursued lines of 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 2022-01-09 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: NY

Complaint narrative:
Dear Sir or Madam, I checked my personal credit report on XXXX XXXX, which I had noticed from your company an unauthorized credit inquiry had been made for a new credit card without my permission or consent. The Date of this erroneous inquiry was made on XX/XX/XXXX. I will attach a screen shot of it on my file from my XXXX XXXX account. I had called XXXX XXXX XXXX XXXX XXXX about this matter and was assured this would be handled as I do not have any new credit cards with them.

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 2022-01-09 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion is forcing me to send a form or call for a copy of my credit report, this is unacceptable when I was recently denied credit for a XXXX credit score, this is far below the XXXX XXXX score that my 3rd party monitoring XXXX reports. So transunion is reporting an incorrect score when I apply for credit, likely providing an older report. I am working on rebuilding my credit and part of this is taking out new loans and credit cards. I expect my bankruptsy to drop off in XXXX and am working on getting a good payment history with multiple accounts. 

Note, XXXX is stating that they are providing weekly reports but with their systems being problematic I have been unable to get these from transunion. 

We need a consolidation and better control of these credit reporting agencies. In addition I have had multiple issues the past few months not just with pulling my annual report but adding and removing freezes with Transunion. I beleive this is IT/System infrastructure based. 

Transunion needs to fix their free systems, I feel these troubles are a way of upselling consumers to their paid credit monitoring, this is clearly a bait and switch scheme.

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 2022-01-09 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: NY

Complaint narrative:
Dear Sir or Madam, I checked my personal credit report on XXXX XXXX  which I had noticed from your company an unauthorized credit inquiry had been made for a new credit card without my permission or consent. The Date of this erroneous inquiry was made on XX/XX/2021. I will attach a screen shot of it on my file from my XXXX XXXX account. I had called capital one late in XXXX  about this matter and was assured this would be handled as I do not have any new credit cards with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: NY

Complaint narrative:
Dear Sir or Madam, I checked my personal credit report on XXXX XXXX which I had noticed from your company an unauthorized credit inquiry had been made for a new credit card without my permission or consent. The Date of this erroneous inquiry was made on XX/XX/2021. I will attach a screen shot of it on my file from my XXXX XXXX  account. I had called XXXX XXXX late in 2021 about this matter and was assured this would be handled as I do not have any new credit cards with them.

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 2022-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX a Chase Plan was set up to pay off a charge of {$2400.00} over 6 payments at the rate of {$400.00} in principle payment plus a {$14.00} monthly fee. On XX/XX/XXXX a second Chase Plan was created to pay off a charge of {$2400.00} over 6 payments of {$400.00} in principle payment and a {$15.00} monthly fee. The first payment for each plan was listed in the XX/XX/XXXX statement, with payment due on XX/XX/XXXX. The overall credit card balance was {$6600.00}. The interest saving balance due on XX/XX/XXXX was {$2600.00}. The minimum payment was {$870.00}. A payment was made on XX/XX/XXXX, for {$870.00}, and on XX/XX/XXXX, for {$3400.00}. The XXXX statement indicated that the first Chase Plan had a remaining principal balance of {$320.00} with one payment remaining. Chase had taken the overpayment of {$1600.00} and applied it to the Chase Plan instead of my overall balance of the new purchase. This practice of applying overpayment to the Chase Plan instead of the outstanding balance of purchases continues until the first plan was closed, early and the second plan as of XX/XX/XXXX has one remaining principal payment of {$210.00}. I have now had an outstanding overall balance of {$4700.00} that I will be changing {$63.00} for interest. Chase Freedom stated the overpayments went to the Chase Plan, without my permission or request creating an unpaid balance of charges. Chase refuses to rectify the situation by either A : crediting the purchase balance and correcting the principal balance to be paid off on the Chase Plans or B : waving the interest fees on the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/21 placed order from XXXX. 
XXXX was sent email 2 refunds were issued. {$830.00} and {$2000.00} no refund ever issued. 
XX/XX/21 contacted XXXX and many times after that via phone email and online chat and never was returned anything. 

XX/XX/21 ordered from XXXX  {$1800.00} XX/XX/21 website states refund issued. then it says waiting on return and also says declined. got email also from XXXX  stating items will be returned which means they got the returns and never returned them. proof XXXX  is lying. 


XX/XX/21 placed order jag alliance {$910.00} so far no investigation done. 

wellsfargo called me but gave no reasons to why the denial. they claim XXXX wont turn over to them lebels or pictures of anything to prove items weren't returned but documents show they were. wellsfargo didn't ask or even demand proof of anything that was claimed. wellsfargo is suppose to be working for the card holder not the store. 

I am asking for all three charges to be refunded. I am asking for emotional destress. I am asking for any credit scores to be fixed. I am also asking for card to be turned off with no credit score changes and the balance to be delted to zero as part of the emotional destress. If wells fargo doesn't want to rectify this matter we will seek court action for the charges and damages also unfair credit reporting act. I will not play games with these companies 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 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. 

These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. 

The accounts to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a XXXX  Gift Card in the amount of {$230.00} issued by US Bank. I have attempted to use the card on several occasions. One of my attempts was on XX/XX/XXXX, at XXXX XXXX, the retail chain that sold the card. ( There appears a business relationship between XXXX and US Bank, as there are US Banks at many XXXX locations here ). The XXXX Supervisor attempted to get the card to work and then called US Bank. He was told that US Bank would electronically fix the card immediately. After several minutes we tried the card again, many times, and the card still did not work. The Supervisor and I called US Bank again and were told a replacement card would be provided by mail. 

I have sent four letters via US mail, on the following dates as follows, and have received no replacement card, check or communication. 
XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX. ( Delivery Confirmed ) I have been sending my correspondence to Card Holder Services, Bank and Risk Operations, XXXX XXXX XXXX, XXXX, Florida, XXXX. The Reference number is " ID Card XXXX ''. ( All communication and delivery receipts are available to you upon request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: ID

Complaint narrative:
I am being charged XXXX as off XX/XX/2021 from an insurance agency. They are charging me this balance for a policy I never purchased or signed for. I called to resolve it and they told me it was resolved that it was there fault but now I am still being charged and sent to collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Per the FCRA regarding consumer laws the three credit bureaus are only to report accurate information on all my reports. 
The following information has been published without my written consent to do so, 15 USC 1681 the consumer has the right to prohibit information from being reported or sold in connection to any alleged credit or consumer transaction. 

The accounts I have not given consent to be published on my account are listed as follows : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
I completed a prequalification application on the carecredit.com website on XX/XX/XXXX. They declined my application for credit. The website said they would provide me a written response for denial in 7-10 business days. As of XX/XX/XXXX ( 15 business days ), I have not heard from them. I called them and they refused to provide me with anything. My denial of credit does not make sense. I have an XXXX XXXX score and XXXX figure income and no delinquency on my credit report. I believe they denied me credit based on age or by mistake.

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 2022-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have account with coinbase, my account was close for few days I couldn't access my account I contacted coinbase to try to fixe the probleme for 5 days without results after that they send me a message that my account was hacked and I lost all my crypto it was more than XXXX dollars in crypto.

Company response to consumer: Closed with explanation