vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is reporting a major derogatory item. I never had any XX/XX/XXXX XXXX credit card and they keep trying to charge for this debt as a third party collection agency for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: CA

Complaint narrative:
Contacted Equifax XX/XX/XXXX to dispute inquiries and inaccurate address. I called Equifax and was transferred to the fraud department. 
I indicated that I had filed a police report and tried contacting the creditors who accessed my credit file without my authorization. 

I was told the following inquiries would be removed between 24 to 72 hours and closer to 72 hours : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. &. XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX And the following address : XXXX. XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NC

Complaint narrative:
I was submit a complaint with XX/XX/XXXX about two accounts in my credit reports. Problem is that their account appears in my credit reports for too long time. 
Accounts are : 1. XX/XX/XXXX XXXX Credit Card, Opened XXXX XXXX, XXXX XXXX 17 yrs, 10 mos ) ) and Closed on XX/XX/XXXXXXXX, XXXX 2. XX/XX/XXXX Credit Card, Opened XXXX XXXX, XXXX XXXX 17 yrs, 10 mos ) ) and Closed on XXXX 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 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: PA

Complaint narrative:
ERC is attempting to collect {$200.00} for a sprint phone bill. We had sprint for 1 month only. This can be easily verified. We signed up under a no obligation trial promotion. This is verifiable by googling sprint free trial etc. we cancelled and were told by a manager we would not be responsible. The is extremely ridiculous considering the OWE ME MONEY. They took our XXXX trade ins and we never got them back after we cancelled. XXXX fails to tell you that when you do the trial promo. So we lost our phones to XXXX, had to pay XXXX for them, and now they are trying to collect a months bill from me for a promo I shouldnt be responsible for anyway AND THEIR SERVICE DID NOT WORK IN OUR HOME! I cant move because of this collection affecting my credit score. This is an erroneous collection. Ive attached photos that show old excerpts about the promo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
The people at the bank ( both in person and on the phone ) have been either unwilling and/or unable to help me. They promised me a supervisor would call me back but no one ever called. 

I had a FREE checking account with XXXXXX/XX/XXXXand when they were bought by Peoples United Bank I was assurred by XXXX XX/XX/XXXX that the account would still be free. 

The account is seldom used and as of XXXX, 2020 it had {$100.00} in the account. Starting in that month, Peoples United Bank began draining this account down to zero and then closed the account. 

This was all during COVID and I was unable to visit their bank for the most part during this time. 

When I went there in XXXX to close the account is when I learned that the balance was {$0.00} and the account was closed by them. 

This was always a FREE account and I want my {$100.00} back that was taken by Peoples United Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/21 I received by mail a Walmart Mastercard issued by CapitalOne bank. I did not apply for this card. This is the 3rd year in a row that I have received a credit card not applied for by me always between XXXX and XXXX, always a credit card affiliated with a big box store ( XXXX, XX/XX/XXXX XXXX, now Walmart ) just after my fraud alerts from the previous instances expired on the 3 credit reporting bureaus, XXXX, XXXX and XXXX. 

1 ) I called the " Administrator '' of Mastercard at the # found in the credit card packet : XXXX and spoke to " XXXX '' who was very nice and said he had to transfer me to Fraud in CapitalOne Bank. He would not give me a direct phone # for them and said he could not cancel the card. 
2 ) I was transferred to " XXXX '' at CapitalOne who asked for my date of birth and last for digits of my social. I refused and asked to be escalated. She would not give me a direct phone # in case we were disconnected. 
3 ) I was transferred to " XXXX '' who insisted I could get no further unless I at least gave the last 4 digits of my social and I very reluctantly did. She said our phone call was being recorded. 
4 ) She SAID but who knows, that she cancelled the card.

5 ) Unlike the other 2 times this happened to me with XX/XX/XXXX CapitalOne said they will only respond to my concerns by phone, not in writing, and it will take 60 to 90 days for them to call. I do not answer my phone if the caller id is from someone I do not know to avoid scams. Unlike to other 2, CapitalOne said that they will not alert the 3 credit reporting bureaus of the fraud, I have to do that myself. 
6 ) The above practices are totally unacceptable, they must respond in writing and must do their jobs to properly report the fraud ; 7 ) Why does this keep happening? 3 years in a row all within 30 days of my fraud alerts expiring ; 8 ) I believe that this is happening due to a breach within one of the entities, XX/XX/XXXX or XX/XX/XXXX 
9 ) I think it is incredible, disgusting and unconscionable that I can now rate the victim experience between 2 banks in their fraud practices.

10 ) I want there to be an investigation to discover the source of who is making these applications using my information, why is no one doing that? 

Please note that CFPB has my past fraud incident on file. They were able to get a written response from the bank and I was able to follow up with that person and that bank from there. I desire the same outcome in this instance and most importantly I want to know why this keeps happening!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 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:
XXXX bank and trust retaliated against my dispute by changing information on an Auto loan to reflect a repossession, When in fact it was NOT a repossession and I have paperwork showing that it was a trade in with cash out given to new purchase. They also fabricated documents Not knowing that have a copy of the original that does not reflect their illegal fraudulent changes. Due to their actions and inaccurate reporting I have been forced to use high interest lenders for credit cards and and Auto purchase causing me extreme hardships and costs.

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 2021-04-07 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: PA

Complaint narrative:
XX/XX/XXXXand trust retaliated against my dispute by changing information on an Auto loan to reflect a repossession, When in fact it was NOT a repossession and I have paperwork showing that it was a trade in with cash out given to new purchase. They also fabricated documents Not knowing that have a copy of the original that does not reflect their illegal fraudulent changes. Due to their actions and inaccurate reporting I have been forced to use high interest lenders for credit cards and and Auto purchase causing me extreme hardships and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit One LLC
State: FL

Complaint narrative:
CREDIT ONE LLC is in violation of the FDCPA and the FCRA. I will litigate CREDIT ONE LLC promptly if they do not remove the false account. I never had any contract with CREDIT ONE LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX, I filed a dispute with Transunion about the unverified account :XX/XX/XXXX Account number XXXX, XXXX XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days.. 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 this company about violation as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: OK

Complaint narrative:
PayPal closed my account with {$6300.00} XX/XX/XXXXXX/XX/XXXXfor no reason on XX/XX/2020 and will not help me with getting it back up and going.i am not sure if this is some mistake as assume it was to be .I have not been able to get help for days now but I just remember I could file a report on here as I feel they are not doing their job properly and it as affected me a great deal as I use PayPal quite frequently my email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: MI

Complaint narrative:
XXXX XXXX XXXX pulled my credit with my consent. It had negatively impacted my XXXX XXXX and Ive disputed it. The company apologized for their error but it had yet to be reversed and my my score with Experian continues to be low. I want my score to be increased and corrected. 

XXXX XXXX XXXX pulled my score on XX/XX/XXXX and XX/XX/XXXX Also a collection from XXXX was placed on my report. Ive never been serviced at XXXX. I reported it as fraud and it has yet been removed from Experian and hasnt been reversed to increase my credit score.

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 2021-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This is an old fha mortgage account and paid in full that shows negative info on it that should be cleared on credit reports

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 2021-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I recently applied for an auto loan through LightStream. A few years ago I used LightStream to finance another, separate auto purchase and was very impressed by the experience. They clearly state the interest rates offered ( displayed as a range ), based on loan type/purpose, term and dollar amount, on their website. The online application was quick and easy to complete and the funding of the loan was very fast. Plus, as an unsecured loan, the ability to avoid placing a lien on the title of the vehicle made the whole purchase process much easier. At that time, as a borrower with a very high credit score and significant income and assets relative to the loan amount, I qualified for their lowest advertised rate. Unfortunately, the most recent application was very different. Currently LightStream advertises a 2.84 % rate for " used auto purchases from a dealer '' loans with terms between 36 and 48 months for dollar amounts between {$10000.00} and {$24000.00}. I applied for a 48 month loan for {$20000.00}. I was surprised when I received a loan approval notice, with an offered interest rate of 5.59 % ( nearly 2x the advertised lowest rate ). This is despite the fact that today, my credit score, income and assets are all higher than they were when I applied for my first LightStream loan. I inquired with LightStream about the high rate offered, and was told that the assigned interest rate was based on my credit profile. It is quite clear to me XXXX based on my own knowledge of my credit profile, in addition to the interest rate I received on my first LightStream loan ) that LightStream is acting unethically. They are either falsely and deceptively advertising their rates, including some other criteria in their rate approval process that they are unwilling to disclose, or some combination of the two.

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 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
1. On XX/XX/XXXX, 2 of my roommates sent me Rent and Utilities money via Paypal, so i could pay the joint bills. 

2. On XX/XX/XXXX or 3rd I logged into my Paypal account to transfer that money to my checking account. 

3. When I went through the process to transfer the money to my checking account, Paypal 's web site informed me that my account had been limited due to unusual activity. Paypal prevented me from transfering my money to my personal checking account. 

4. After following a number of different screens, Paypal demanded ( via its web site ) 4 pieces of information : a. A bank statement b. A photo Id c. Proof of address. 
d. An explanation of the transactions involved.

5. Paypal limited the account access, preventing me from transfering my money, but was more than happy to allow money into the Paypal system. This created a situation where Paypal is holding my money after taking it in, knowing that they were not going to let me transfer my money out. Paypal should have prevented money from coming into their system if they were going to prevent it from coming out, and hold that money hostage. 6. Attempting to contact Paypal to resolve this issue w
as a nightmare. The 888 number hang-up on me and would not put me through to a human. The web site is filled with circular references. Trying the " Message '' feature lead to conversations with chatbots that were no help. Getting through to a human was almost impossible. It is clear that Paypal does not want to speak to people about the money that Paypal is holding hostage. They refuse to communicate, and place customers in an extortionist situation. Paypal has your money, and refuses to speak with you to resolve the situation. 

7. After numerous communications with Paypal, providing ALL the requested information after the extortion that they would only give me my money if I provided the documents, Paypal decided to close the Paypal account. This is perfectly fine, but Paypal has also refused to return the money to the senders, or give the money to me.

To summarize : 1. Paypal accepted a money transfer for me, despite placing my account on hold. 
2. Paypal demanded information and refused to return the money to the senders or give it to me, creating an extortion attempt. I had no choice but to provide the information if I wanted my money back.

3. All requested information was provided.

4. Paypal choose to close the account AND hold onto the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
this is part of complaint ID XXXX I paid PAYPAL CREDIT 2 payments of {$5.00} and {$66.00} to have my credit limit under so I could make a purchase to XXXX well as you know the scum PAYPAL took the funds directly from my bank account. So on XX/XX/2021 I called to request a REFUND of these funds. I was told by that account manager CONFIRMATION XXXX that she initiated the refund. On XX/XX/2021 I spoke to XXXX XXXX that stated that my REFUND WAS INITIATED on XX/XX/2021. Ok ... ... ... ... .that is 3 business days later. I called TODAY and the agent stated the check has been INITIATED JUST TODAY. At first he said its been mailed. So I said then please provide the check number. Nope. He said oh I meant initiated. I feel I am being LIED TO and given the RUNAROUND. I asked to be connected to a supervisor. I was on hold then was hung up on. I WANT MY REFUND ASAP.

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 2021-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have filed multiple complaints against osla concerning student loans on my accounts I have requested information containing these accounts that a negatively impacting my credit reports I cant get no credit because of inaccuracies with dealing with this collection I dont have a copy of any contract agreement payment terms or any information that I would need I have contested this debt numerous of times and all I get is the same reply Department of education says we cant release information about your loan but the thing is I dont work for the department of education or osla I have rights that are being violated for sure you cant deny me access to information concerning a collection that is placed on my credit report the department of education hasnt confirmed this aligation of not releasing information and by law can not deny me information about an account associated on my credit report if this is the case then if they arent presenting verifiable information then you must remove the account thats FCRA my right to contest any inaccuracies or unverified information which they are stating that they are not denying or confirming any debts at this moment it must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I learned on XX/XX/25 that my home computer had become compromised with viruses. Shortly after, I had someone access me Bank of America account and make a series of fraudulent transactions, including using the XXXX service to send themselves cash. I filed a claim with BOA that day and froze the account. After BOA performed their investigation, which took the full 10 days ( any longer and they are forced to issue a temporary credit ), their analyst decided there was no fraud and denied my claim. We have lost over XXXX dollars from this cyber theft. They have not offered any support, have not contacted us during their investigation, and offered no info as to why they denied the claim. They also took zero proactive measures to protect me during this time. I had to address every fraudulent transaction as it happened. I have been a customer of theirs for over 14 years and I am disgusted that they are not willing to do right by us.

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 2021-04-07 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: ID Analytics, Inc.
State: PA

Complaint narrative:
Consumer report obtained from SageStream LLC showed incorrect information due to identity theft. I contacted SageStream on XX/XX/21 to dispute the information. I was told it takes 30 days to investigate. It is 42 days now and I have not heard anything from them yet.

Company response to consumer: Closed with explanation