vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
This company fraudulently duped me into a credit card without my knowledge. I never signed a contract or had prior knowledge of a impending sale or transfer to XXXX XXXX XXXX or whatever name they go by. 

I had a {$7000.00} Credit Limit with Kay Jewelers which never exceeded {$6400.00}. The new company caused so many problems that my loan was sold to any attorney XXXX XXXX XXXX whom I settled with & had deleted from my credit profile. 

This fraudulent Ad / XXXXXXXX XXXX Kay Jewelers Company keeps reporting fraudulent information stating that I held a highest balance with them of $ XXXX then more recently $ XXXX I've tried to dispute this erroneous information & I've even called them to personally ro express my concern & dismay about this fraudulent information. 

This is my final attempt before seeking legal means to delete this from my credit profile forever. 

I am aware that others have had the same issue that I endured. ( See Below ) XXXX XXXX /XXXXnews/sterling-jewelers-comenity-bank-hit-with-class-action-over-phony-store-credit-card-sign-ups

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This company fraudulently duped me into a credit card without my knowledge. I never signed a contract or had prior knowledge of a impending sale or transfer to Comenity / Ad or whatever name they go by. 

I had a {$7000.00} XXXX XXXX with XXXX XXXX which never exceeded {$6400.00}. The new company caused so many problems that my loan was sold to any attorney XXXX XXXX XXXX whom I settled with & had deleted from my credit profile. 

This fraudulent Ad / Comenity XXXX XXXX XXXX XXXX keeps reporting fraudulent information stating that I held a highest balance with them of $ XXXX then more recently $ XXXX I've tried to dispute this erroneous information & I've even called them to personally ro express my concern & dismay about this fraudulent information. 

This is my final attempt before seeking legal means to delete this from my credit profile forever. 

I am aware that others have had the same issue that I endured. ( See Below ) https : //www.classaction.org/news/sterling-jewelers-comenity-bank-hit-with-class-action-over-phony-store-credit-card-sign-ups

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal is repeating its nasty practice of opening a debit card for my account without asking for my consent. This is described in details in this blog : https : XXXX It happened to me for the second time today. Here 's the start of the email I just received. The email message does contain a hyperlink to " If you decide not to use it, you can close the card. '' but visiting that hyperlink lands you on a general settings page with no option to " close the card ''. I had to search the web to find out that I needed to go to a hyperlink of " http : //www.paypal.com/nothanks ''. 

It is unacceptable for a company to persist in such a despicable practice for over a year! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- from : XXXX XXXX to : xxx xxx XXXX date : XXXX XXXX XXXX XXXX XXXX subject : We're mailing you a debit card to provide instant access to your PayPal balance. 
mailed-by : paypal.com signed-by : paypal.com Now you'll have instant access to your balance To provide you instant access to the money in your PayPal business account, weve updated your account to include the no-annual-fee PayPal Business Debit Mastercard. Well ship your debit card shortly.

The PayPal Business Debit MasterCard is
a new benefit to your existing PayPal Business account. It is not a credit card and no credit report was pulled. The decision to send you this card was based on your history as a PayPal customer. 

The debit card makes it easy for you to : Earn unlimited 1 % cash back on eligible purchases, paid monthly.1 Spend your PayPal balance everywhere Mastercard is accepted.

Withdraw cash from your PayPal balance from ATMs or at participating retailers around the world.2 The instant payments hit your PayPal account, youll have access. 

Well send you an email when your card ships. The card will arrive about 7-10 days later in a PayPal envelope marked " Time-Sensitive Information Enclosed. '' Be sure to activate the card right away. If you decide not to use it, you can close the card. Once youve closed it, please destroy and securely dispose of it. 

We appreciate your business and hope youll enjoy this added benefit. 
Find out more about the PayPal Business Debit Mastercard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 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: CA

Complaint narrative:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XX/XX/XXXX, Equifax, XX/XX/XXXX, and XX/XX/XXXXwith no successful resolution.XX/XX/XXXXEquifax, and XX/XX/XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian,XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no successful resolution. Experian, XX/XX/XXXX, and XX/XX/XXXXreporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

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 2021-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bayside Capital Services, LLC
State: KY

Complaint narrative:
Complaint against BAYSIDE capital services Total amount to settle account {$510.00} Verbally agreed and set up {$100.00} payment for XX/XX/2021. 
They withdrew the {$100.00} plus an additional {$560.00} on the XXXX of XX/XX/2021. 
They wrongfully withdrew another {$460.00} on XX/XX/2021. 
When I called they told me to call my bank to get the funds because they have no history of them taking the {$460.00} XXXX XXXX was rude and unapologetic After they wrongfully pulled out the additional {$560.00} they sent me a letter saying my account was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I am writing to log a formal complaint against XXXXXX/XX/XXXX regarding online access to my Checking and Savings accounts. During the week of XX/XX/XXXX XXXX I do not remember the exact date ), I made several mobile check deposits to my savings account from legitimate institutions where I had closed my accounts recently. Upon making those mobile check deposits, I have been locked out of my Checking and Savings account access online. I have called HSBC numerous times to get this matter resolved and no longer wish to waste any more time dealing with them on a matter that has still not been resolved after a week of complaints. Because I have no visibility to what has and has not cleared on my accounts, I am not certain, but I am trying to retrieve approximately {$1400.00} that I have in both accounts. All I want is assistance in retrieving all of the funds owed to me and closing my accounts with this bank for extremely poor customer service and illegitimate holds on my account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: College Ave Student Loan Servicing, LLC
State: CA

Complaint narrative:
I have a loan from XXXXOLLEGEAVE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called COLLEGEAVE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contactingXX/XX/XXXX, and COLLEGEAVE with no successful resolution.XX/XX/XXXX and XX/XX/XXXX reporting me 30 days late in XX/XX/2020, XX/XX/2020, XX/XX/2020. There was an error on their part. I was never 30 days late on dates mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: TN

Complaint narrative:
On XX/XX/XXXX, I submitted a letter indicating that I did not have a foreclosure on XX/XX/XXXX to Experian, XX/XX/XXXX andXX/XX/XXXX certified mail. Also, I requested a copy of the allege records for my review. Neither Credit Bureau has submitted those mortgage documents for my review to date which is my legal right under the law. Accordingly, I am demanding for the XXXXXX/XX/XXXXHome Mortgage entry to be deleted off my credit profile due to the Credit Bureaus non-compliance of the law of supplying me the mortgage documents showing a foreclosure.

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 2021-04-02 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: TN

Complaint narrative:
After many attempts, Experian still fails to Block as requested items identified in an FTC Fraud Report and Police report. Despite FCRA rules, Experian leaves items on my report more than the four days prescribed and simply verifies the debt with the creditor and notifies me repeatedly 30 days later that they have verified the debt despite a police report and the items remain. 

I feel Experian has violated FCRA 605B ( a ) and abused the authority in ( c )

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 2021-04-02 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: FL

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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

Complaint narrative:
Hello PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assumeit has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Nelnet, Inc.
State: MA

Complaint narrative:
Nelnet is fraudulently reporting over ten 120 day late payments on my credit ( years after account closure and FULL PAYMENT MADE ). I have called Nelnet over 20 times, sent them letters and they always ignore my requests and damage my credit and financial life. Please see my attached screenshots of credit reports. Nelnet has caused irreparable harm to my well being, state of mind and life in general. 

Im seeking help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
this is my uncles phone number, they are calling for me i have told them to stop calling my family members just as my family has told them to stop calling but they continue to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BBVA FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/2021 I purchased a vehicle which was then financed through BBVA USA. I decided on XX/XX/2021 that I wanted to refinance this vehicle with a local credit union. The credit union needed my payoff information, such as account number, a 10-day payoff, address to send payoff, etc. When I called over to BBVA and answered numerous security questions, including : SSN, phone number, loan information, vehicle details, personal details, etc. they told me that the loan was too new and that they could not provide me with the payoff information. I tried to inquire as to how I would make payments without knowing my account number and they said that I would get statements, but that the account number would be truncated. I explained that I wanted to pay this loan off in full and wanted details for payoff. They would not provide this information. The banker assisting me with the refinance also helped. He was asking how I could get this information and they wanted me to send a copy of my social security card to BBVA. The banker at the credit union advised me that this was not safe and that he would not advise doing that. BBVA would not assist me in providing information for paying off my loan, which feels extremely deceptive as a consumer as I feel stuck paying an interest rate that is much higher than what I would be paying if I was able to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I've made several attempts at contacting Convergent Outsourcing requesting information regarding this account. My last attempt was XX/XX/2021 where I spoke with an agent and a supervisor. They kept making debt collection attempts and settlement offers. I called to request a breakdown of charges because the amount they are attempt to collect is not what I owe. As I've stated, I've gotten no information. I disputed several times with the credit bureau as well. They will respond to them and continue to adversely affect my credit. All communication regarding this has been initiated by me. These people are very unprofessional and have made no real attempt to resolve this matter.

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 2021-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I had a car loan open with PNC bank. Recently I have paid it off. As per NJ DMV its is guidelines " The Lienholders normally hold 's the Title until the Lien is paid off. They should have also mailed you the Vehicle 's Title when they sent you the Lien Satisfaction Paperwork. '' in which PNC has not done. 

After waiting a month for the title I called whereas they acknowledged they sent it to the wrong address. I politely asked multiple times if they would send me a new title. They said that " There responsibility with the loan was over and that they no longer had to serve me. '' I tried calling multiple other times in which my call wasn't even picked up. 

The contract terms was that they take care of all the execution and administration of the titling, hence why I paid administration fee 's. I was never late for my payments not once, provided them a plethora of interest payments, and paid off the car prior to its due date. I was under the expectation that they would send me and transfer the title when the loan was completed, to finalize the loans execution and transfer the property. The property has not be transferred therefore the loan is still outstanding. 

NJ is now penalizing me for not transferring over the title, in which they sent to the wrong place. I also have to pay administration fees for getting a replacement title. I have damages and I'm holding PNC personally liable for them. 

I would like you to review my case, and administer any necessary penalties and fines on PNC Bank for breaking the agreement, and fiduciary responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I wanted to book a hotel and pay with Paypal. I used an online Master Card gift card saved in my Paypal account to book the hotel. The transaction proceeds as normal and I get an email confirmation about my purchase.

I later find out that the Master Card gift card I authorized to pay for the purchase was not used and instead Paypal charged a Visa card I had saved to the account in the past.

This is a deceptive practice on Paypal 's part. At no point did they email or state on the website during the transaction that my Visa card was going to be charged because the Master Card was not charged. Had I known they weren't able to charge the Master Card then I would have used a different card to complete the transaction and not the Visa card on file.

After I saw my Master Card was not charged I called Paypal and the message I got stated they were unable to book my trip. I then booked a different hotel on a different website because I did not have a hotel reservation.

Paypal has my money for a trip they said they were unable to book and that I never used. Paypal 's unauthorized use of my Visa card has caused me to incur an overdraft fee as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CA

Complaint narrative:
ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX BALANCE : {$7600.00} According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt. This is a time-barred debt. Please remove this account from all three credit bureaus. 

Pursuant to the attached documents, page 4, the highlighted section, the date of commencement to collect this debt was XX/XX/XXXX. Last payment made was XX/XX/XXXX. Once again, according to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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

Complaint narrative:
PayPal closed my account with a balance of +11k usd in for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation