vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Made a sale via the paypal platform for {$150.00} on XX/XX/2019 buyer desputed transaction and made a chargeback i desputed and won the despute and reversed chargeback then paypal closed my account and placed a hold for 180 days 4 moths has past and talked to paypal over phoneXX/XX/19 and told them i need to withdrawal my money asap ... ..i came thrugh on my end shipped and all that and i won the chargeback despute its done case closed i waited enough i need my money its mine i need it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I made a payment on my credit cards from Capital One. Capital One accepted one credit card payment and applied the payment but has not applied the second payment. I called and asked why they had not applied the payment and Capital One told me that I had a reversed transaction and they would have to call my bank and verify the funds. I told them the same payment that was applied on the first credit card came from the same bank and funds are valid!!! Capital one has not applied my payment to my second credit card and I am still wondering why?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
I was issued an unsecured credit card by XXXX XXXX XXXX XXXX in XX/XX/XXXX, a credit limit of about {$5000.00} dollars.I made payments on the balances due until XX/XX/XXXX when I had a Baby, lost my job and could not continue payments.On XX/XX/XXXX, SUTTELL and HAMMER, PS a Debt Collection Agency, Sued me without properly notifying me of the lawsuit that a Judgment was filled against me for default on my XXXX XXXX XXXX XXXX, and they placed a LIEN on the Property my Husband owned prior to our marriage.Because Washington is a community property State, this LIEN has adversely affected my Husband 's Mortgage payments, our Credit and ability to refinance the Mortgage to get some money for immediate needed House repairs we occupy with our Kids. I had no knowledge about this LIEN until XX/XX/XXXX when my Husband tried to refinance his house.I reached out to SUTTEL and HAMMER, PS, the collection agency representing XXXX   who filled the Judgment to have the LIEN REMOVED on the property but they refused, they also threatened severe action against our Property, Unfairly threatened that if the Settlement funds comes from the Refinancing or Modification of the House, they would attempt to collect the principal amount plus all accrued Interest over the 10 year period.They insisted that the LIEN will not be removed until I pay the principal amount of {$6000.00}, filling fees, Attorney fees and interest fees, a total of {$17000.00} dollars. I explained my current financial situation to them that I am currently unemployed but to no avail.They wanted a Settlement of {$7000.00} before removing the LIEN on the house but gave me only 5 days to pay it or pay the full amount, they also refused any payment plan that I proposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: PA

Complaint narrative:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

MONEYLION INC . 


In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Data Corporation
State: MD

Complaint narrative:
Told me the only was to dispute is in writing which I know there are definitely more ways to dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

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 2019-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

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 2019-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 


In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day. 

Please send a letter stating that these issue has been resolved to : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 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: Bliksum, LLC
State: CA

Complaint narrative:
I just received an email from Loan Me in XXXX, CA for Application for Credit Denial dated for XX/XX/2019 for a loan i never applied for. I immediately called them and said I never applied for credit with you guys last month, after speaking with the representative I asked to go back in his system on XX/XX/2019 and tell me what representative from Loan Me authorized my credit report to be pulled, assuming they would have that information, he declined and said his system doesn't show it. Their system doesn't show who was assisting the client on XX/XX/2019, are you kidding me? All the information is done over the phone and they can't tell you who you were speaking with or who was handling your personal information. Now I have another inquiry on my credit report for a loan I never applied for and Loan Me can't tell me who authorized to run my credit report on XX/XX/2019. Sounds like the representatives are running credit reports on people without getting there authorization to fill a quota requirement. I will be filing a police report today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: IA

Complaint narrative:
I have repetitive tried to get credit karma to change my last name to my new legal one since getting married XX/XX/XXXX. They refuse even though I have gave new drivers license, new social security card and marriage certificate.I want my last name changed from maiden to my married. From XXXX to   XXXX Contacted them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX email and numerous times thru website. 

Thanks for contacting Credit Karma Member Support! We're currently experiencing high volumes and will respond to your message as soon as we can. 

We've received your request and created Ticket Number XXXX. If you'd like to add to your message, please respond directly to this email. As a reminder, here is what you submitted : XXXX, XX/XX/XXXX, XXXX XXXX PDT : Again I am requesting you change my last name from XXXX to XXXX as it is now been my legal last name for almost a year. 


Credit Karma Member Support, XX/XX/XXXX, XXXX XXXX PDT : Hello XXXX, Most certainly understand your concern. Credit Karma is not a credit bureau rather a Credit Monitoring Service and as such, we are unable to edit the information you see on either report and that would include your name change. 

You will need to contact XXXX and they will in turn explain what is required for you to make necessary changes. Once they have updated their file, you will then be able to make changes accordingly. 


Here 's how to contact XXXX to obtain your credit report, credit score, and or for any other reason : XXXX : XXXX ( general ) or XXXX ( fraud ) ; XXXX. XXXX  XXXX, XXXX, GA XXXX ; XXXX XXXX : XXXX ( general and fraud ) ; XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX : XXXX ( general ) or XXXX ( fraud ) ; XXXX. XXXX XXXX, XXXX, PA XXXX ; XXXX Hope this information proves to be useful. Should you have additional questions or concerns, please do not hesitate to ask. In the meanwhile, have a great day! 


Credit Karma Member Support XXXX, XX/XX/XXXX, XXXX XXXX PDT : I legally changed my last name XX/XX/XXXX -- -- -Original Message -- -- - From : Credit Karma Member Support ( Credit Karma Member Support ) XXXX To : XXXX XXXX XXXX : Mon, XX/XX/XXXX XXXX XXXX Subject : Re : Last name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: PA

Complaint narrative:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed.

n addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

Please send a letter stating that these issue has been resolved to : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report 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 2019-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 


In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
Owed money is not mine

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Around XX/XX/XXXX, I made a purchase regarding a camera bag via XXXX. I realized, it was not a bag that I wanted, so I made a return request for a refund. I received an e-mail from XXXX and was directed to call XXXX. I was told that I called Pay Pal to get my money back of approximately {$35.00} on XX/XX/2019. When I called the number, a man named XXXX XXXX out of California, told me to go to XXXX and XXXX and purchase several XXXX cards for {$800.00}. He asked me to scratch the back off and read the number to him. Not knowing, I read the number to him. Additionally, he asked to remote into my computer in order to process the refund. My daughter happened to walk in and realized what was happening. The guy immediately hung up when she got on the phone. He continued to call me, demanding that I give him an additional {$2000.00}. My daughter helped me to call XXXX and reset all my passwords and take out the spyware he installed on my computer. Over the course of a week, he continued to call me until I filed a police report with XXXX PD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Been trying to get them to change my last name from maiden to married and they have refused to change it all they did was put my legal name down as one I used and still reporting, calling me by maiden. I want to have my info be reported correct and addressed proper.

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 2019-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I checked my credit report and realized there was an account reporting derogatory. On XX/XX/2019 I mailed Medicredit Inc in regards to account number XXXX. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws of the debt they claim I owe of {$1600.00}. I has been almost two months now and they have not responded to my letter that was sent certified mail on XX/XX/2019. Not only has it been more than 30 days since they signed for my letter on XX/XX/2019, but they also have not updated my credit report to show that this account is in dispute. As a result I am requesting that they have this account removed 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 explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Abbott Osborn Jacobs PLC
State: PA

Complaint narrative:
On XX/XX/XXXX I received my pay check and noticed a GARNISHMENT XXXX, I was not notified by my employer or Abbott Osborn Van Vliet PLC nor was I presented with a judgement. This debt collector is from XXXX XXXX Iowa a city I havent lived in in 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: AES/PHEAA
State: PA

Complaint narrative:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Been trying to get them to change my last name from maiden to married and they have refused to change it all they did was put my legal name down as one I used and still reporting, calling me by maiden. I want to have my info be reported correct and addressed proper.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Been trying to get them to change my last name from maiden to married and they have refused to change it all they did was put my legal name down as one I used and still reporting, calling me by maiden. I want to have my info be reported correct and addressed proper.

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 2019-06-16 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: PA

Complaint narrative:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report 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 2019-06-16 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: PA

Complaint narrative:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.

Company response to consumer: Closed with explanation