vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
paypal has permanently restricted my account from being used. I received an email stating i can no longer do business with them on XX/XX/2021. I called paypal to, once again, take my account restriction off. Paypal had just placed it on restriction and then removed the restriction as everything was satisfactory. When i called paypal, they wouldn't even confirm that my account was restricted or say anything but in 6 months that I would receive an email with instructions on how to get my money back. After several calls, I gave up. I already couldn't withdraw rent and was told I had to move. I also ended up losing the job due to having to move and now I couldn't even get paid for work through paypal, which is why I opened my account in the first place. So six months later, i try to transfer out of Paypal and didn't have any luck. I called Paypal and asked what was the hofd-up. once again they said that they would want me to wait longer. And i have waited long enough finally. My whole life ( lately ) has failed from Paypal since. I need some serious counseling from the damages paypal caused my family and me. We lost out on opportunities from having that money. we are still recovering. It's still affecting my situation. Im not sure what to do, nor how to do ANYTHING anymore. i know i can't trust banks. i dont know how to act with any businesses because i now know they can do this to a person, and will do it and not have to tell you a thing and there's nothing you can do about it, because there is no paypal bank. I have lost almost everything and am most likely to get a divorce before this is over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted complaint ID XXXX because my mortgage was not being reflected on my credit report. The mortgagor stated that they submitted the correct information to the three credit bureaus. To date, the three credit bureaus are not reflecting my mortgage account. The mortgage account with the previous bank, XXXX XXXX XXXX is not reflected on my credit report, neither is any information from the new mortgage company. 

Additionally, when the account was transferred in XX/XX/XXXX, the credit bureaus closed the mortgage account and dropped my credit score 114 points. The old account does not show as a closed account. They are not reflecting the new mortgage. Also, my XXXX XXXX credit card was upgraded to an XXXX XXXX card in XX/XX/XXXX. Instead of transferring the balance, the credit bureaus closed the XXXX XXXX account, dropped my score 41 points and then added the XXXX account. 

In my opinion, the credit bureaus are inaccurately reporting data and manipulating credit scores to sell credit cards, loans, etc.

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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted complaint ID XXXX because my mortgage was not being reflected on my credit report. The mortgagor stated that they submitted the correct information to the three credit bureaus. To date, the three credit bureaus are not reflecting my mortgage account. The mortgage account with the previous bank, XXXX XXXX XXXX is not reflected on my credit report, neither is any information from the new mortgage company. 

Additionally, when the account was transferred in XX/XX/XXXX, the credit bureaus closed the mortgage account and dropped my XXXX XXXX 114 points. The old account does not show as a closed account. They are not reflecting the new mortgage. Also, my XXXX XXXX credit card was upgraded to an XXXX XXXX card in XX/XX/XXXX. Instead of transferring the balance, the credit bureaus closed the XXXX XXXX account, dropped my score 41 points and then added the XXXX account. 

In my opinion, the credit bureaus are inaccurately reporting data and manipulating credit scores to sell credit cards, loans, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Payments submitted by credit cards for payments. Returned by Chase Bank marked no account found. I have used the same account over 20 years. I have called Chase, they say its my fault. They refuse to fix it. I have negative reports at the credit agency because of Chase Bank. They wont fix that either. All of my credit cards are paid thru the same account and only that account. None of my other cards have had any issues .These are the only 2 so far. XXXX XXXX XXXX XXXX ( XXXX ) Charges for returns XX/XX/XXXX {$15.00} XX/XX/XXXX {$15.00}, XXXX {$15.00} & XX/XX/XXXX {$15.00}, XXXX {$15.00} & XX/XX/XXXX {$15.00} plus XXXX {$15.00} charges in XXXX. They told me they couldnt give dates that far back. I want Chase to remove all negative reports to the credit agency since All 3 of them. its their mistakes. Also XXXX XXXX {$20.00} & XX/XX/XXXX {$20.00}. Chase refuses to address their mistakes. And fix them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted complaint ID XXXX because my mortgage was not being reflected on my credit report. The mortgagor stated that they submitted the correct information to the XXXX credit bureaus. To date, the XXXX credit bureaus are not reflecting my mortgage account. The mortgage account with the previous bank, XXXX  XXXX XXXX is not reflected on my credit report, neither is any information from the new mortgage company. 

Additionally, when the account was transferred in XX/XX/XXXX, the credit bureaus closed the mortgage account and dropped my XXXX XXXX XXXX points. The old account does not show as a closed account. They are not reflecting the new mortgage. Also, my XXXX 's credit card was upgraded to an XXXX XXXX card in XX/XX/XXXX. Instead of transferring the balance, the credit bureaus closed the XXXX 's account, dropped my score XXXX points and then added the XXXX account. 

In my opinion, the credit bureaus are inaccurately reporting data and manipulating credit scores to sell credit cards, loans, etc.

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 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I was in car accident and was admitted to hospital. I had XXXX on my XXXX and had XXXX XXXX I was also put in XXXX XXXX XXXX I was in the hospital until XX/XX/2021. During this time my ex boyfriend stole my idenity. My phone my credit cards, bank accounts, if, social security card, birth certificate, he took out loans in my name, he spent all my money, I filed a dispute on XX/XX/2021 as soon as I found out about this. On XX/XX/XXXX moneylion emailed me saying they found no error. On XX/XX/XXXX I emailed them back and asked for a appeal and sent them copy of police report, note from XXXX And affidavit from my ex boyfriend admitting to doing this and asking for a lesser sentenceXXXX XXXX  On XX/XX/XXXX they closed my account. I was in XXXX how could I have don't any charges. They will not return my emails. They emailed me saying they were closing my account and I would receive the remaining funds via check and to call and Verify my address I did that immediately and waited for check XX/XX/XXXX I called because I still have not received my check and they said it was mailed out to wrong address. I would like my money back that was stolen from me and the money that was in my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a debt validation letter to COMNWLTH FIN XXXX XXXX XXXX XXXX XXXX, Its been more than 30 days and they have not responded my request. ( letter attached ) I am distressed that COMNWLTH FIN have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. ( FCRA ) Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Account # XXXX Please remove it from my credit report. 


I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Pursuant to XXXX XXXX XXXX ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. 


Best Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$570.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$75.00} ( Original Creditor : ) XXXXBalance : {$150.00} XXXX XXXX Balance : {$13000.00} Date Opened : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I XXXX XXXX, The Consumer, entered into a consumer credit transaction XX/XX/2021 with WELLS FARGO AUTO at XXXX XXXX dealership and purchased a vehicle for {$52000.00}. This transaction includes a finance charge. Under 15 USC 1605 ( a ) a finance charge is defined as the sum of all charges. The finance charge does not include cash, but WELLS FARGO AUTO in fact took cash. WELLS FARGO AUTO is now in violation of 15 USC 1611 and owes twice the finance charge pursuant to 15 USC 1640 ( 2 ) ( a ) ( i ). WELLS FARGO AUTO willfully and knowingly failed to clearly and conspicuously disclose my right to recission which is information required under the provisions 15 USC 1611 and 15 USC 1635 ( a ). They are now civilly and criminally liable and owes twice the finance charge pursuant to 15 USC 1640 ( 2 ) ( a ) ( i ).

WELLS FARGO AUTO is a third-party debt collector and was not present when I signed the contract at XXXX XXXX XXXX Therefore, are not a competent witness and can not provide a contract for a contract they weren't apart of. Provided by WELLS FARGO AUTO, attached is a copy of the agreement that was signed and not the original. pursuant to rule 1002 an Original writing is required in order to prove its content if WELLS FARGO AUTO can not provide an Original writing, they have no claim.

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 2021-11-17 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These items is reporting late, yet it is closed and the balance is zero as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

CHRYSLER CAPITAL XXXX Balance Owed : {$0.00} ; CHRYSLER CAPITAL XXXX Balance Owed : {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: UT

Complaint narrative:
My statement does not reflect anywhere what my interest rate is. When I log online, I have to go fishing and click everywhere to finally find it under my details section. When I applied for the vehicle I feel like the 5 % interest rate was super high for where my credit score was at the time. I also was told that I had to use Kia Financing and was not aware that I was able to use other auto financing options with other lenders in order to determine who would be able to offer me the best rate. I feel taken advantage of and now feel stuck with a much higher rate than what I could have gotten if XXXX XXXX XXXX XXXX was honest and let me know they could've checked with other banks on offers.

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 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: IN

Complaint narrative:
Commonwealth financial systems sent me a letter notifying me of a debt they were collecting which was a very old debt that fell off my credit record. They said I had 30 days to dispute this letter. The letter was dated XX/XX/. There was an amount offered as a settlement, and just today I was notified, that my credit Reading plunged 48 points because they already had put this on my credit. I am livid. This is XX/XX/XXXX and I havent even had this letter two weeks and its on my credit record already. Im thinking about contacting an attorney to sue them. I attempted to file a dispute with the credit bureau and they would not allow me to do it, it said that I had contact the Collection agency. This is not going to fall off my credit, until I pay this debt. They did not even give me the chance to dispute it in writing before they reported it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: CO

Complaint narrative:
I disputed a charge of {$100.00} with Capital One on a service that was canceled within the time period. The case was closed in my favor. Now, they rebilled me without warning. There service is no longer available to me that was paid for and I'm charged for it thru my credit card company. So the company made Capital One recharge me without the service available. That's fraud. And Capital One will not refund the amount I'm out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with ALLY FINANCIAL. 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 terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

ALLY FINANCIAL XXXX Balance Owed : {$6700.00}

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 monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase bank closed my Chase Sapphire credit card citing that there were too many disputes opened on the account. Disputing charges is a statutory right of consumers under Fair Credit Billing Act ( FCBA ), which is protected by Equal Credit Opportunity Act. Even though Chase claims that they are able to close any account due to no particular reason based on their credit card agreement, they are still obliged to comply with the FCBA. 

Equal Credit Opportunity Act prohibits issuers to take any actions against consumers when the consumers exercises the rights in good faith. All of the disputes were opened in good faith and are valid, however Chase bank didn't even give me an opportunity to present the necessary evidence as it is related to the disputes in order to validate them. When such requests for evidence were made by Chase bank in prior disputes, I always made sure to provide the requested information. 

Since Chase bank chose to close my account without giving me an opportunity to demonstrate that I had exercised my statutory right to dispute charges on my account in good faith they are in direct violation of my rights as a consumer under the Equal Credit Opportunity Act and the Fair Credit Billing Act and should reinstate my account immediately.

Company response to consumer: Closed with explanation