vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 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: TX

Complaint narrative:
PayPal Customer Service Agents are repeatedly providing misinformation and providing false information in regards to policies. For over a decade we have used PayPal with absolutely no issues. We started with a personal account and when we established a non-profit organization we opted to start a new business account for it. There has never been a dispute, refund or any other negative activity on the account. However, PayPal has started to place funds on hold. When reaching out to customer service to resolve this we have been given misinformation by no fewer than 4 of their customer service agents. Some have blatantly lied and only backtracked on the lie when pressed to provide proof of the policies they were referring to. On more than one occasion we have provided the requested information only to be met with rejections and requests for information that has absolutely no reference to our organization. For example, they keep asking for vendor information when we do not sell or provide any physical products. At this point my thoughts are that PayPal has decided that they will use customer funds to provide themselves with short term interest free loans. There have been at least 3 support tickets to address this single issue. We have spoken to a " supervisor '' who agreed that the support tickets have been severely mishandled and apologized however nothing is done to resolve the issue. On the last call we were on with an agent for over an hour. There was a request for our vendor information and other information that would pertain to a business selling physical products. During this call it was repeated several times that we have no physical products. We are a non profit organization that provides consulting and services. However we just received another request for this information that in no way applies to us. We are a XXXX organization that is in good standing. In contrast, our organization uses other payment processors and have had absolutely NO issues whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
wow! this one crazy so I called a Lvnv funding llc and they told be I had " leased a dog '' XXXX!???? I told them no I did not they refused to delete and keep say this is my account even through the information does not match help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: COMMERCE BANK
State: CA

Complaint narrative:
called to dispute card opening and charge was told '' I commited bank fraud " and im going to be arrested!! refuse to dispute charge from XXXX XXXX refuse to take my dispute refuse to stop calling me and threatening me calling me over 45 times rude fraud rep telling me they don't care if someone else used my card im paying the bill or there ruin my credit incredibly abusive fraud back office operator told me " you commited bank fraud " refuse to listen to me combative morons!! refuse to take off credit or follow ANY federal laws whatsoever ever refuse to dispute refuse to stop calling! yelling scream tell me I a fraud there not going to listen back office fraud refuse and kind of detail on charges yelling a screaming at me I commited bank fraud abusive combative could get a word any edge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I notified XXXX XXXXXXXX XXXX and paid off a debt of {$980.00}. I was assured by XXXX XXXX XXXX that they would in fact reach out to the CRA to have this negative collections removed from my credit report. As of XX/XX/2020 this is still reporting on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 I mailed a Certified letter to Capital One Credit card requesting information to validate a debt they claim I owe. I received a 1 page letter from Capital One. This letter did not verify any contract bearing my signature, nothing was provided stating that I owed Capital One. Again on XX/XX/XXXX I mailed another certified letting you know of the day you signed for the letter and that the information requested was yet again NOT sent, only this time Capital One totally disregarded the second letter that was sent and did not event to bother responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citibank rewards credit card closed my card account without notice and Denied me access and use to almost XXXX city rewards points with the value of over {$10000.00} Try to contact customer service number of times to no avail My credit cards were in good standing and all paid in full without any revolving debt. Citibank elected to close my accounts but Has ostensibly taken away points of significant value

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 2020-08-12 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: TX

Complaint narrative:
Experian received my dispute about incorrect payment history from XXXX XXXX. The report number was XXXX and was dated XX/XX/20. Upon their reinvestigation, which is attached, Experian refused, or neglected to put that I disputed the results, which by law, must be corrected due to their failure to give the correct information. I demand that my credit report be corrected in seven days. I have been harmed for too long.

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 2020-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hired XXXX XXXX XXXX on XX/XX/XXXX, they challenged Transunion, XXXX, and XXXX. They are refusing to remove what's past statue of limitations which includes all my student loans, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX. The ones that has the same dates are different charges

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 2020-08-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I hired XXXX XXXX XXXX on XX/XX/XXXX, they challenged XXXX, Equifax, and XXXX. They are refusing to remove what's past statue of limitations which includes all my student loans, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX. The ones that has the same dates are different charges

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
please remove any and all fraud alerts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Opened a new set of TD Bank checking and savings account on XX/XX/XXXX. Online banking was blocked a couple days later. Called customer service line and I was told I had to go to a branch to unlock my account. I refused to go to branch due to the current COVID situation and hope they can unlock my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
please remove any and all fraud alerts from my credit file.

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
please remove any and all fraud alerts from my credit file.

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I did not ask for, nor do I want a fraud alert on my credit file whatsoever. Please remove any and all fraud alerts from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: NY

Complaint narrative:
On Tuesday, XX/XX/XXXX of 2020, a purchase was made in the amount of {$460.00} using my Capital One Bank credit card information at a XXXX XXXX location in XXXX XXXX XXXX, New York. Let me make this clear ; my card never left my possession. It did not go missing. That being said, I was never alerted of this charge by my bank. The purchase was cleared and went unnoticed. Two weeks later, was when I checked my credit card statement when I noticed the charge. I immediately alerted Capital One Bank. They said, Sometimes we mail out pre-activated replacement cards that can be used. I was shocked that a card was being mailed without prior notice or request and a PRE-ACTIVATED card puts me at risk. An investigation was opened and not long after I was mailed a determination letter stating they have no proof my card information was stolen. I said my card was not stolen, my information was stolen, and your company TOLD ME you mail pre-activated cards to consumers. Ive spoken to 10+ Capital One Bank team members and a majority of them pass me on to the next person and next person. Not only will they not take accountability, but they are inadequate. I reported this matter to XXXX XXXX customer support but seem to have no knowledge on how to handle matters on this level. Its been frustrating and detrimental to my well being dealing with this. I am not working due to COVID-19 nor do I have the funds to shop at XXXX XXXX or cover the bill of {$460.00}. Capital One Bank is unprofessional and have no formal training of reliable customer service. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I did not ask for, nor do I want a fraud alert on my credit file whatsoever. Please remove any and all fraud alerts from my credit files immediately.

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I did not ask for, nor do I want a fraud alert on my credit file whatsoever. Please remove any and all fraud alerts from my credit files immediately.

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 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to complain about a company called NCA ( National Credit Adjusters ) that is on my credit report. The amount is XXXX $ The original creditor for this account was XXXX  XXXX.On my credit report, there isn't even an account number for this collection so I can not reference it here! 
I have filed disputes with XXXX  and XXXX  regarding this issue, back in XXXX of 2020 this account was with another agency called " XXXX XXXX XXXX XXXX  '' and it was removed! Then the account was sold to National Credit Adjusters and came back! If the account was removed the first time, then that proves it was not a verifiable debt! I have requested method of verification because this is NOT a valid account. National Credit Adjusters have not supplied any type of verification of this account, and I am requesting this right now because it is my right. 

I do not know the account number for this claim at all! 
I am attaching a photo of my XXXX  credit report! This account does not even have an account number and is not showing properly!! I DEMAND this to be removed or show actual PROOF that this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
The following account listed on my Chex Systems Consumer Report ID : XXXX for Reported Information is fraudulent : XXXX XXXX. I never had a checking account with XXXX XXXX. The account is fraudulent and not my account. I am a victim of identity theft and has a police report on file with Chex Systems.

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 2020-08-12 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I received a letter from SPS ( Select Portfolio Servicing ) dated XX/XX/XXXX stated that my property taxes were delinquent. However, I had paid the tax bill that was due on XX/XX/XXXX on time. I sent proof of the paid tax bill provided by the XXXX XXXX County Tax Collector  which they received on XX/XX/XXXX. I also received confirmation that the file I uploaded had been uploaded successfully and thought the matter was resolved. Then I received a second letter stated the taxes were still delinquent and that a lien could be put on our home but to no fault of our own but rather to their dysfunctional service. In light of the difficulties we are facing as a nation it boggles my mind to think a organization whose purpose is to help people who unnecessarily create this hardship for me and my family. It makes me wonder how many other law abiding customers they manage have been treated the same way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
Ive explained in scrupulous detail to Speedy Cash via phone conversations ( which I have the audio file of ) as well as by mail the payday loan that they repeatedly harass me in attempt to collect on WAS DISCHARGED IN BANKRUPTCY at the end of 2015. 

Ive submitted my attorneys information XXXX XXXX, as well as my bankruptcy case number XXXX and this company still continues to call me sometimes 20+ times per day, as well as send me statements in the mail weekly which I have on hand. 

I have contacted an FDCPA attorney regarding this harassment and illegal attempt to collect on a debt that was included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
1. In spite of numerous reminders of a down payment involved of the House in Escrow of XXXX, the Officer XXXX XXXX failed/refuse to implement the down payment of House bought prior to Marriage as a part of Escrow distribution of funds. 
2. The Escrow officer XXXX XXXX was reminded of such down payment again again up the the date of Escrow closure, yet today when she was asked of such reimbursement, she feigned ignorance. 
3. The Escrow officer XXXX XXXX violated the Law of Down Payment of House bought prior to Marriage, as deferred responsibilities to lawyers. 
4. The Escrow officer also failed to include expenses incurred to update the house sale, with clear presentations of Receipts of expenses that the Realtor XXXX XXXX is fully aware of such expenses as the realtor XXXX XXXX was the one who recommended the Handyman employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: NY

Complaint narrative:
See attached letter that I sent to Capital One back in XXXX, but I received no response. I have a large credit balance on my closed account with capital one. Capital One has been holding this credit balance since XXXX after they made an adjustment to my account in XX/XX/XXXX. They were asking for certain information on the 2 of my accounts, and I provided all the information I was able to gather. please review both accounts for all the documents provided. Finally, in XX/XX/XXXX they mailed us back the credit balance on one account, but I never received back the refund check for this particular account. I call and call and can only reach reps in XXXX that give me total different information each time I call. please resolve this matter without further delay.

Company response to consumer: Closed with explanation