vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 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: NJ

Complaint narrative:
Hello. I opened an account with PayPal around the middle of 2021 on some recommendations from friends that used the service. I never ended up using the account for a long time. However, I recently wanted to start playing at an online casino and PayPal were advertised as a method for deposits and withdrawals, so I thought I'd see if it worked well. I couldn't initially upload funds to my PayPal account and when I tried to use my bank account with it, it wasn't working. Eventually I had some funds sent to the account and I made my deposit to XXXX XXXX. A registered online casino with the New Jersey XXXX XXXX. The deposit worked great, so I intended to start using my account. This was when I asked my friend, XXXX to transfer me some money over the weekend. He transferred me {$6000.00} but instead of the money arriving in the account, the transfer was placed on hold and I immediately started receiving emails from PayPal congratulating me for my first sale. I have never sold anything or accepted payment for any purchases or sales. I thought this was strange. Then, yesterday I received an email at XXXX titled : " We need some information regarding your PayPal account. ( Ref ID XXXX ) ''. This email said that some limitations have been placed on my account and they would like some information from me. I did not have time to respond to this because exactly XXXX minutes later at XXXX I received another email titled : " You can no longer do business with PayPal XXXX Ref ID - XXXX ) ''. This email detailed the fact that my account has been locked and closed and that my money is being held for 180 days. This is ridiculous and surely illegal?! How can they just seize my money? I need your help to get my account unlocked as soon as possible, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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 Accounts, LLC
State: NM

Complaint narrative:
Reference Capital AccountsNo : XXXX First of all, a customize night guard should not cost {$1100.00} with Dental Insurance unless Im Tarantazours rex. Second, Im that rare debtor that dont like owning anyone anything, so I paid in full after each visit to XXXX XXXX XXXX XXXX 

I went to XXXX XXXX XXXX XX/XX/XXXX for the fitting and paid {$440.00}, I went back when the night was supposed to be in but wasnt on XX/XX/XXXX and paid {$390.00}. A week later the night guard finally came in and I asked the office manager, how much do I owe? She said she ran my insurance and that I overpaid and they owe me {$60.00}. 

I left my job at XXXX XX/XX/XXXX. The office manager called me in XXXX of XXXX and said that I owed {$300.00} ; I recounted my visits and she remembered me. I told her that I no longer worked at XXXX. She said shed run my Dental Insurance and give me a call back, she never did and they still have sent my {$60.00}. 

Attached is my bank statements proving payment in full. Ive sent the same documents to Capital Accounts, XXXX XXXX XXXX and XXXX ; neither of these companies have accepted my proof. 

FYI : I sent the same documentation to XXXX and XXXX and theyve removed the negative charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : 1. XXXX XXXX Account Number : XXXX 2.XXXX  Account Number XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I received XXXX emails on XX/XX/2022 as if I had opened an account with the Pentagon Federal Credit Union. The emails were requesting verification in order to open the accounts and receive tax information electronically. I have changed my email password and tried contacting the bank but the phone service requests my DOB and full SSN- I chose to hang up before providing any of that. I am unable to speak to a human.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with the major credit bureau Equifax About the unverified info being reported from XXXX XXXX XXXX account number XXXX. 
I have sent XXXX notifications, I have not even seen if the account is in dispute or heard from them in XXXX months about this unverified account. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
They dont send my mortgage statement till after the due date and then they try to charge me a late fee I send my payment in anyway but I still yet to see my payment and Ive called them four times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 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: PA

Complaint narrative:
I reached out to Transunion the Financial Institution and the Auto Dealership that pulled my credit. I sent them letters from the dealership saying it was a mistake They said it was accurate and they wont remove the error. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2021 ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
I started a refinance application with Loan Depot nearly 6 months ago and the loan still has not closed. My income and DTI to cover this mortgage is at least 5:1 minimum and my credit score is well above average. I've given them everything they have asked for in a timely manner, and they have made numerous errors at nearly every step. They have tried to look for multiple ways to deny my loan, but every time I give them the information they needed, they come up with another excuse. They have admitted to mistakes and promised to close on this loan for past two months, but this is outrageous. I highly suspect some form of discrimination, because two people I personally know closed on loans within 30-45 days of submitting information. I know I have higher income/reserves/credit than any of these people so something is highly suspicious. I would like this matter looked into ASAP. Documentation you need I'll be happy to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/2021 I made an error when I tried to pay my credit card bill using online bill pay and filled in the wrong line. The check was sent to Barclays instead of XXXX, the holder of my current account. On XX/XX/2021 Barclays received a check from my bank XXXX XXXX XXXX for {$6400.00} paid to an XXXX  credit card that had been previously serviced by Barclays. 

I called Barclays on XX/XX/XXXX when I discovered the error. A representative from the online bill pay company was with me on that call. She sent a copy of the check to Barclays. I later called Barclays again and spoke to XXXX who asked me to send him a copy of the cleared check at XXXX. While we were on the phone he told me he had received the copy. A week or so later I got a call from XXXX DE telling me that a check would be processed and mailed to me in 2 to 4 weeks. I have received nothing. 

On XX/XX/XXXX I spoke to a person in the complaints department who told me there was no record of receiving a copy of the check and no refund has been sent. I also wrote a letter to Barclays on XX/XX/XXXX detailing my issues and never heard back from them. I called again later that week. After being transferred to a manager, they gave me a case # XXXX and told me they would work to have a check mailed out within ten business days. I called again after 2 weeks and they said the check was mailed out on XX/XX/XXXX. It is now XX/XX/XXXX and I have received nothing. 

I called again today to find out what the holdup is. They insist the check is out but I could walk it from Delaware in this amount of time. I have requested that they cut me a new check and send it via XXXX but they will not do that. This is not an insignificant amount of money and they have been holding it for four months. Please tell me what do I have to do to get my money back?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to furnish any hard inquirys on my consumer report. 


This has caused me defamation of character, severe hardships, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I cant apply for credit, my ability to apply for credit is tainted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to furnish any hard inquirys on my consumer report. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXXXXXX XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account is inaccurate and an FCRA violation. XXXX XXXX XXXX # XXXX According to FCRA 611 ( 15 U.S.C. 1681I ) ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please remove this inaccurate account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I began a consumer credit transaction at XXXX XXXX XXXX. Upon my consumer credit transaction information pertaining to my contract was not disclosed to me nor was I made aware of such things that my finance charge shouldve included XXXX insurance but did not. Subsection 15 USC 1605 states determination of finance charge. Exhibit C property damage liability insurance premiums are included in a finance charge. In my consumer credit transaction on XX/XX/XXXX my finance charge did not include insurance. Furthermore I was never made aware nor informed about my rights to rescission. On XX/XX/XXXX when I initially made a cash down payment of {$4000.00} and also on XXXX of {$4200.00}. XXXX XXXX ( sales rep ) that I work with advertise to me on XXXX and XXXX that I had to make a down payment in order to obtain my XXXX XXXX ram XXXX. All those subsection 15 USC 1662 states, advertising of a down payment in installments says, no advertisement to aid, promote, or assist directly or indirectly in any extension of consumer credit may state that a specified down payment is required in connection with any extension of consumer credit. which my consumer rights were clearly violated and therefore being defrauded. In regards to subsection 15 US C 6802 a. A notice of requirement obligations with respect to disclosures of personal information. I was not made aware that I could opt out of this consumer credit transaction reporting to my consumer report by any third-party reporting agency. I did not give my consent to have my consumer credit transaction furnished on my report yet it has been furnished without my consent which is technically identity fraud. Ive been stressed and struggling to provide for my family due to this unfair consumer credit transaction. I fell behind on my rent and have been evicted twice this year from being the fraud it in this transaction. Furthermore, every month that the bill comes in the mail or I receive a call from Capital one I get migraines and have nightmares due to this unlawful transaction. Ive been harassed every month XXXX Capital One calling at least XXXX or XXXX times a month telling me to pay a debt even after Ive communicated with them to stop calling. 15 USC 1692D clearly states harassment or abuse that a debt collector may not engage in any conduct to the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have experience Ive seen in profane language, harassment by getting calls every month and being told to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank sent me a new closed debit card with no valid explanation. I contacted Chase Customer Service regarding this issue on XX/XX/2021. As per Chase Customer Service Representative, they were not able to provide me with a definitive response concerning the new debit card mailed to me within a 2 day period being closed. Why would Chase Bank expedite me a new debit card that was already closed. I didnt have access to get funds from any ATM machines of Chase nor was I able to check my statement from my checking account. Chase Bank put me in a tight situation with no funds to purchase the necessities for my family. Furthermore, Chase has been charging me a {$5.00} fee, to expedite my new debit cards for the third time. Chase hasnt done this charge in a while. I want a refund for the inconvenience, they put me through without having a debit card for the week, to purchase items that were needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to report any hard inquirys on my credit report. 

This has caused me defamation of character, severe hardships, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I cant apply for credit, my ability to apply for credit is tainted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to report any hard inquirys on my credit report. 

This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to report any hard inquirys on my credit report. 

This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I never gave your company consent to use my consumer report to furnish unauthorized hard inquiries. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  I cant apply for credit, my ability to apply for credit is tainted

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