vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2018, my credit score with Transunion and XXXX was XXXX, I am not sure what XXXX  was, but it was running close. During that time period, XXXX XXXX offered me a credit card for a $ XXXX limit and I thought that would be a good card to have and I was approved. Shortly after I started getting calls for a mortgage loan which I was planning to do anyway because I have been working on buying a home for the past year. 

Maybe I misunderstood, but I was under the impression while looking for a mortgage loan it wouldn't affect my score. I guess I was wrong because my score is now down to XXXX and only went down after 3 attempts of talking to loan companies and giving them the right to check my credit. I have good credit and I have worked very hard getting it but it seems like all three credit bureaus refuse to allow me to keep it. There are inquiries I don't recognize as well and all are considered hard inquiries. I lost 42 points for inquiries? Why? When I am trying to make my life easier and better, it makes no sense at all and I am very upset with this dictatorship of my personal life.

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 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XXXX I received an offer on a auction I had listed on XXXX. I accepted the offer for {$110.00} plus shipping of {$3.00} for a total of {$110.00}. The buyer, XXXX paid via PayPal goods and services that same day, XXXX. I purchased the postage through the XXXX transaction via PayPal on XXXX. This attached the tracking number directly to the transaction in XXXX and Paypal. The item was shipped and I never heard from the buyer after this point. 

On XX/XX/2018 - almost ONE YEAR later I receive an email from PayPal telling me that the buyer, XXXX, has filed an Unauthorized Transaction claim with her financial institution. As a result they have placed a hold on {$110.00} in my account. They stated that they needed tracking information for this transaction. The same day, XXXX, I uploaded confirmation of the sale, purchase, purchase of postage, and tracking number. I couldn't send the actual tracking information as it was no longer available since the USPS does not keep tracking records that long. And now, since it has been over a year that tracking number has been reused. 

On XXXX I received an email from PayPal telling me that because they were unable to verify the shipment information I sent they had officially debited my account for the {$110.00} and additionally they debited my account another {$20.00} for a chargeback fee! 

I called XXXX and they said - sorry, nothing we can do we do not keep records that long. I called PayPal and they said sorry, nothing we can do - she filed the claim with her Credit Card company. They would not tell me the credit card company name. 

How can someone make a claim from that long ago? Unless you have taken a screen shot showing the item as delivered you are out of luck! Everyone knows that tracking information isn't available that long. If this is the case, everyone will start disputing transactions this far out - get their money back and they get to keep the product/items. Where is the seller protection that XXXX and PayPal advertise all the time? My transaction was eligible for PP seller protection. It was goods and services. It had the tracking information. Why wasn't confirmation of delivery kept on file with the transaction history? 

This is not a fair practice. Where is the sellers protection? Unauthorized ACH transactions have 60 days to be filed per the NACHA rules. Where does the credit card company come in on this? 

I am attaching all the documentation I have on this case as well as a screen shot from the buyers XXXX  page showing that she was a user of the product she purchased from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I have paid all open medical claims, this collection company is practicing extremely inappropriate tactics. I am now seeing open balances, and inquiries on my credit. I had paid this, left numerous messages, and spoken to various reps after extremely long wait times and language barriers. You have now impacted my credit, and have failed to uphold yourselves as any sort of legitimate business in my opinion.

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 2018-07-09 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: CA

Complaint narrative:
TransUnion My credit report dropped10 points and they claim there is no change to my report in there own words this is a report to XXXX XXXX TransUnion I have there report stating this on XX/XX/2018. This is wrong to do this to people. I do have a dispute with TransUnion with the XXXX at this time is this a comeback on me for disputing them .I feel they play games with consumers

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 2018-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Several Fraudulent charges were charged to my account. I informed the company they were not mine. They began to investigate and would adjust charges off. Very often they would put them back on later. I tried to keep track of the charges and their removals. But they stopped putting the individual removals and just called it an adjustment. So I can no longer keep track. This has been going on for months. 

I have continued to make a monthly payment, because I do not want my credit harmed. 

ALSO, i had taken an 18 month loan for a total of {$1300.00} dollars. I have paid them {$1700.00} as of XXXX. The fraudulent charges, that I know about came to {$1700.00}. My statement for XXXX shows a balance due of $ {$1200.00}. 

These were charges made all over the country and often. I have no idea how much money I owe this company. I do know that I took out a {$1300.00} loan have paid that back plus, and still owe {$1200.00} in fraudulent charges. If they are clearing them as they say they were, This has been going on for months and I do not see that they have given credit for these charges. If they are the balance on my statement is incorrect. 

Another credit card I had was also charged with many charges that were not mine. And a third card also. I will be reporting them also. 

I did not give my cards to anyone as the 3 credit card companies claim, and they were not lost. They were with me. HOW can anyone charge on my account with out my password. I CAN NOT! Some one stole my info from somewhere and it looks like I am going to pay for it. I have a small income. 

I am thinking about destroying all my credit cards I can not afford pay for someone else..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Credit Karma, LLC
State: CA

Complaint narrative:
XXXX  My credit report dropped10 points and they claim there is no change to my report in there own words this is a report to credit karma XXXX  I have there report stating this on XX/XX/2018. This is wrong to do this to people. I do have a dispute with XXXX with the XXXX  at this time is this a comeback on me for disputing them .I feel they play games with consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Received an alert by email from turbo tax that my credit score changed referencing a late auto loan on XX/XX/18. I then checked the mailbox to see that I had received my first notification from Chase Bank dated XX/XX/18 on XX/XX/18 that my car loan was 30 days late, though it was set up on auto withdrawals. 

I Immediately contacted chase bank and was told there was a auto withdraw system purge error on thier end, that had effected numerous accounts and my account was one effected. I was told by operator XXXX that my account was two months behind not one and they needed both months payment payed in full before they could fix the issue. ( {$970.00} ) I asked about the credit reporting issue and was told it wouldnt be effected, only it already had been effected which I advised them and was dismissed on the concerns. I was assured it would be cleared up after the two months in payments was made. The two months of payments ( {$970.00} ) was made even though their own paperwork showed only one month was actually late. 

Payment was done this same day XXXX18. After the payment was made, I logged into the on line chase account and it still showed one month behind not two and in reviewing my credit report, it was greatly effected by thier auto withdraw system error some 70 points  or so. 

Why if they were aware of the system error why did they allow these accounts to still report to the credit bureaus as late? 

When will the error be fix with the credit reporting agencies and why should I be Inconvenienced when I set up my account with auto withdraw to avoid exactly what happened, not to mention being told to pay two months contrary to what was on the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Every time I apply for my free annual credit report with Equifax, I get the same response ... 

" Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' ... with instruction on how to obtain the credit report by mail. 

What's the point of applying online if I get the same run-around every year. XXXX  and XXXX provide a report online. What's Equifax 's problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: IA

Complaint narrative:
A few weeks ago I work up to my checking account being negative {$220.00} due to a XXXX charge of {$360.00}. I called immediately once I found out as I was unaware of this charge and I received no notification. Because of this charge I got hit with 3 NSF fees which was credited back to my account. However I already had pending charges on their prior to being notified of this charge and I was charged an additional 4 NSF fees. I've been on the phone for hours trying to get this resolved. I found out it was from an old checking account I had from XXXX. However i never received any notification that this was going to be charged to my account. I found out the notification was sent to an old address. My concern is that you have records of my new checking account which is attached to my new addesss however you sent the notice to my old address why? If I was properly notified I would have made sure there were funds in the account. Also you had access to charge my new checking account yet u couldn't send the notice to my new address? I feel that you just decided to charge me this after having this account open with you since XXXX so you can make money off of the fees. I have no problem paying for that charge but I'm very upset that I had a total of 7 NSF fees because of this and only 3 of them were waived this is ridiculous. I also received a copy of the notice finally and it has a date on the letter of XX/XX/XXXX and in the letter it says my account will be charged on XX/XX/XXXX. How is this notification? I'm requesting that you review the situation and waive the remaining 4 fees please thank you.

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 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Isnt there some kind of statue of limitations on these old debts from 6 years ago? My credit is ruined because Hollaway Credit Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To whom reads, I have account with capital one, I have 2 of there credit cards one of  them for 3 years. Through the years of having that card I always every 6 months ask for credit increase and never receive I constantly get the run arounds and get told over the phone with the company, they say my account is great and pay Bill 's on time and I ask for increase they pass me to another operator ( robot ) answer questions and I'm being told few days later I've been denied but the ( real ) operators tell me I'm eligible to receive increase 3 years still no increase, been stuck at {$300.00} for 3 years! No loyalty at all! 

Also the biggest problem I have had recently ( with month of XX/XX/2018 ) after another day paying my bill off 2 days later I get a notice to check my credit score, Capital one completely screwed me over knocked me down 64 points when I worked so hard every month to earn my points, but they completely knocked me 64 points on my credit score. I worked very hard to earn and my score is very important for me, keeps roof over my head I do alot of investing and need my credit score to provide banks for loans to invest more for me to have a easy financial future. 

To whom reads please help me I've spoken to capital one about these issues and its same old story all the time they cant fix credit score and cant increase me credit. Please help! Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MD

Complaint narrative:
I sent a letter in response to phone call received by a company on XX/XX/2018. I was requesting that the hunter warfield provide validation of the debt as required by the Fair Debt Collection Practices Act. Because I have disputing the debt, they have should not report it to the credit reporting agencies.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a purchase on ebay via XXXX on my Capital One XXXX card on XX/XX/2018 for {$7.00}. When I check my account on XX/XX/2018, I noticed there was a cash advance fee {$10.00} posted on my account on XX/XX/2018. I called Capital One and asked them why I was being charged the cash advance fee on XX/XX/2018. The customer service representative told me that I sent a wire to a seller on XXXX  via my capital one card, that's why I was being charged the fee. I asked the CSR if they could do a one time waiver fee since I always pay my credit card on time & and I wasn't aware of it. The CSR at capital one told me that she couldn't and that I should read my card member agreement. It has been five days and this issue hasn't been resolved and I'm upset about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have send TransUnion a total of 3 letters regarding inquiries that they are reporting on my credit report. The last letter I send with tracking number XXXX. They are reporting not yet proven compliant information. TransUnion has detailed on my credit report and reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA Metro 2 reporting regulations, namely that do not have verifiable proof of permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. Instead of making a dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter not once, not twice, but yet 3 times all they send me was a letter stating inquiries are factual and also they did not even mark these inquries as disputed. I informed them that I did not authorize anyone employed by the companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintained under my social security number.

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 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2018, I sent Portfolio Recovery a cease and desist letter that was signed XX/XX/2018 via certified mail. 

On XX/XX/2018, I sent Portfolio Recovery another letter that was signed on XX/XX/2018 via certified mail because they were still reporting collection activity to all three Credit Bureaus. 

Portfolio Recovery, have not been in compliance and this is a violation of the FCRA and FDCPA. Please see attached evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IN

Complaint narrative:
I purchased a car from XXXX XXXX XXXX on XX/XX/2018. The loan was to be financed by Westlake Financial for approximately {$22000.00} and a monthly payment of {$480.00} a month. About 2 weeks later I received a call from XXXX stating that the bank backed out of the loan and I needed to return the car asap. The bank decided they didnt want to finance me. I took the car back that day. About another week or 2 goes by and I start getting phone calls and statements in the mail for a car I don't have and a loan that I never got. I attempted to call the bank multiple times to get it corrected and the account closed out but they wouldn't close it. I called the dealership, XXXX, and was told they will call the bank and have the account closed. Another week or so and I get another letter and statement in the mail telling me about my upcoming payment. I then call Westlake again and I call XXXX again. Both tell me they will take care of the issue. Today XX/XX/XXXX I begin to get credit monitoring alerts left and right so I log on to see what is happening and its Westlake Financial adding an active open account to my credit stating that I took out a loan for {$22000.00} for a car I do not have! Obviously Westlake and/or XXXX is not doing what they are supposed to do and I am the one suffering. This open car loan on my credit is hindering me from being able to get a car because the company says I already have a car loan when I don't! I demand this account be removed from the Westlank Financial Bank 's system and I demand that this open active account be closed and removed from my credit report immediately! It is frustrating to continue to deal with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
On XX/XX/2018, I sent Rash and Curtis a cease and desist letter via certified mail. It was signed on XX/XX/2018. To date, Rash and Curtis is still reporting collection activity to all three Credit Bureaus and have not been in compliance. they are in violation of the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX   was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2018-07-09 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: TX

Complaint narrative:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution.XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX.

Company response to consumer: Closed with explanation