vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
I was contacted by Ability recovery services and made arrangements to pay them .I did set up payments to come out of my account on both bills, Then I called agin and left a message that I would be making payments of a different amount on the XXXX of XXXX not the second. I did make the payments on XX/XX/XXXX. On XX/XX/XXXX they took XXXX dollars from my account and said it was a arrangement. I told them I made the payments So why are you Taking more money. They told me there was nothing I could do. So I had to block my card. The lady name is XXXX who I talk with. This has been a nightmare for me. I am willing to pay them but do not want them taking money from me.

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 2021-03-02 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a PayPal account and a PayPal credit card and a XXXX XXXX Checking account. 
If I use PayPal, or the PayPal credit card the charges are then debited from my XXXX XXXX Checking account.. 

Recently there were two fraudulent and unauthorized charges I was alerted to by PayPal.

One was a debit from XXXX for {$240.00}. I contacted XXXX and they said there was no record for that amount and date for purchases or charges anywhere on XXXX. They said it was most likely fraudulent and I never authorized it. 

The other was from XXXX XXXX for {$50.00}. I did make political donations to politicians during the election cycle and I noted each in my checking account. I STOPPED making any further contributions after the last elections in Georgia. This charge was not one I had authorized and it was dated AFTER the last election and was not one of the ones I had checked against my checking account. 

I disputed both with XXXX XXXX on my checking account and they researched both of them and determined they were fraudulent and XXXX XXXX noted in writing " We have completed our research of your inquiry and returned the charges unpaid. As a result no money was deducted from your account '' I have filed two claims disputing both charges to PayPal and each time they have denied my fraudulent/unauthorized claims and I even spoke to PayPal people several times and quoted XXXX XXXX to them and then filed a dispute with them on their denial. 

They are still denying my dispute and claiming that I owe them {$290.00} for both fraudulent charges. Please help me get this resolved. They keep sending me notices and phone calls. I should not have to pay them since XXXX XXXX returned them as unpaid and determined they were fraudulent and even XXXX says there was no purchase or credit so it was fraudulent and unauthorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
My husband, XXXX XXXX had a bill with XXXX XXXX XXXX of XXXX in XXXX. We received letters last year from a company and I finally disputed the charges and it was removed from our credit report. 
Now this year, I received a letter from XXXX XXXX XXXXt XXXX ) asking us to pay {$170.00} and the {$290.00} debt would be resolved. 
I called the Automated Voice Response system for Hospital Medicine using the Acct # XXXX and we have a {$0.00} balance. 
I called XXXX and told them this debt was paid in full. The young woman on the phone said XXXX just does the collections for Cascade Capital Funding and if they close the account then the account would just be sent to another debt collection agency. 
Please assist us with closing out this account at Cascade Funding so they can stop sending our information to different collection agencies. This company has about 62 complaints for similar infractions on he XXXX XXXX web-page. 
Something should be done so that this company is held liable and at the very least there should be regular checkups in their system to make sure they are contacting the public about debts that have not been paid in full. It should be their responsibility. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX we discovered a {$22000.00} check had been cashed by our bank, Chase in XXXX, CA We went to the bank and found out that a woman in Michigan had ordered checks XXXX billed to our account ) with her name and information but our account number. She then wrote herself a {$22000.00} check and deposited it. There was a 3 day hold because of the amount but it was cashed. We were informed that banks no Longer verify account holders names or signatures. Weve filed a police report, filled out paperwork, talked to the bank and fraud department and are getting no where. Weve faxed the things they ask and they say theyve received it and then they say they havent. Twice weve been told it will be 3-5 days to be resolved only to be told today another set of paperwork needs to be filled out and it will be at least 15 days after they receive it before it can be resolved. We had no part in this scam. Were seniors living on a fixed income and we need our money back to pay bills. We need help {$22000.00} is a lot of money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: WI

Complaint narrative:
Chime refused to give me any information or close an account opened fraudulently in my name. Spent hours getting bounced around by their representatives. 

They refused to send me anything in writing that they would not impact my credit report. 

They refused to confirm in writing that they would be closing, or continue this account to exist. 

In short, they offered to do nothing, and refused to take any responsibility whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: IL

Complaint narrative:
Equifax is reporting the following items inaccurately and has not responded to my disputes. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX {$2500.00} not mine XXXX XXXX XXXX XXXX {$3500.00} not mine INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXY : XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Old roommate stole all my personal documents and has been attempting to open accounts in in my name, file tax return in my name then changed all my information w irs, Im going thru identity theft now. She has gain access to cash app and got ahold of my bank accounts. She has a history of counterfeiting and fraud. No one is taking me seriously it seems Ive gotten no results at all thus far

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Optima Advocates
State: CO

Complaint narrative:
i have been involved with Optima Student Lian Advocates since XXXX. I paid a loan of {$15000.00} for " services '' and am now being sued by XXXX XXXX XXXX for the original student loan balance of approximately {$14000.00}. My court date in XXXX XXXX, CO is XX/XX/XXXX and wonder how I should pursue this since an investigation into Optima Student Loan Advicates has been opened.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I wrote and sent via certified mail a formal dispute letter to the following credit bueraus : XX/XX/XXXX and Transunion in regards to incorrect personal information and incorrect accounts being reported on my credit report which is having a damaging effect on my credit score and overall credit profile. Within this letter, I specifically stated for each of the credit bureaus to provide in detail the full scope of their investigation, including the names of the representatives from each creditor that they " verified '' the inaccurate accounts with, the date of this correspondance, and any legal documentation bearing my signature that I have with the " alleged '' creditor. I've also sent via certified mail an inquiry letter to each credit bureau demanding why my credit scores had such a huge drop within only 60 days. My XX/XX/XXXX score dropped 65 points, XX/XX/XXXX dropped 97 points, and Transunion dropped 78 points since XX/XX/XXXX. There is nothing on my credit reports stating or showing where this significant drop came from. None of the three credit bureaus responded to any of my letters inquiring about this. I could not get through to any of the bureaus on the phone, nor have I received any email correspondance. I am looking to purchase a home within the next 6-8 months and my credit scores were in the high XXXX 'XX/XX/XXXX, low XXXX XX/XX/XXXX before these drastic score drops which occured from XX/XX/XXXX - XX/XX/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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I wrote and sent via certified mail a formal dispute letter to the following credit bueraus : Equifax, XX/XX/XXXX and XX/XX/XXXX in regards to incorrect personal information and incorrect accounts being reported on my credit report which is having a damaging effect on my credit score and overall credit profile. Within this letter, I specifically stated for each of the credit bureaus to provide in detail the full scope of their investigation, including the names of the representatives from each creditor that they " verified '' the inaccurate accounts with, the date of this correspondance, and any legal documentation bearing my signature that I have with the " alleged '' creditor. I've also sent via certified mail an inquiry letter to each credit bureau demanding why my credit scores had such a huge drop within only 60 days. My Equifax score dropped 65 points, XX/XX/XXXX dropped 97 points, and XX/XX/XXXX dropped 78 points since XX/XX/XXXX. There is nothing on my credit reports stating or showing where this significant drop came from. None of the three credit bureaus responded to any of my letters inquiring about this. I could not get through to any of the bureaus on the phone, nor have I received any email correspondance. I am looking to purchase a home within the next 6-8 months and my credit scores were in the high XXXXXX/XX/XXXX, low XXXX XX/XX/XXXX before these drastic score drops which occured from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I was notified via my Chase mobile app that someone had sent {$320.00} via XXXX payment to themselves via an account belonging to XXXX XXXX XXXX email - XXXX XXXX. I called Chase within 5 minutes and asked it to be stopped. Chase Fraud Prevention/ID Fraud said it couldn't stop it in time although the transaction was pending and not final on my app. Chase agreed to refund my money while they investigated after taking my statement that I did not know XXXX caused the money to be paid out for any reason. On XX/XX/XXXX, Chase claims said that they are rejecting my ID Fraud claim with no reasons and I would have to reach out. After being bounced around for 4 departments and 1 hour of waiting, a supervisor said that the investigation found that my phone had triggered the payment so there was no fraud. I could not appeal and there was no one else I could talk to. So, I am being told to pay for something I got no benefit from while the XXXX was enriched by {$320.00} of my hard earned money for no reason. I did not create an account for XXXX XXXX nor did I cause the app to pay him/her. I was told to call XXXX to put in a claim and gave me a phone number. The XXXX number that Chase provided promptly said that XXXX was not responsible for transactions that came from a bank 's app, call the bank and hung up. This happened twice.This is Chase claim number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Bam Trading Services Inc. ( DBA Binance.us ) held my wire deposit since XX/XX/21 without any proper explanation. There customer service is only available through email tickets. Their last response to me was XX/XX/21 asking for more information which I supplied immediately. A domestic wire is suppose to be same day, it's now 20 days. 

Their ticket number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The last letter I sent to company XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Experian, XXXX. XX/XX/XXXXXXXX XXXX, TX XXXX ACCT # XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. The US Dept of ED/ XXXX serviced byXX/XX/XXXX was reported inaccurate. Information reported wrong dates, and the amount the servicing company is no longer in business to verify- This debt was paid in full in XXXX, and continues to be on my report. I called the Federal Student Loan Depart who confirmed that there is no contact available for the servicing company - Experian reported that the information was reported that it was verified. I have - This is also being cleared with XXXX who also reported this information with inaccurate information in XXXX - This information is not reporting with 100 % accuracy. I am requesting that the item be removed. Copies of inaccurate information and enclosed documentation reporting the wrong dates in supporting my file - Please reinvestigate these matters and delete or correct the disputed items as soon as possible. 


Sincerely, 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 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In late XXXX to mid XXXX I held a checking, savings and line of credit with Wells Fargo Bank NA. Throughout my account history there was holds placed on my accounts and/or funds deposited into those accounts as suspected fraud. 

At the time I was informed by Wells Fargo Bank that there was suspicious online activity in my checking account and they would freeze the checking account and re-issue the debit card associated to it on several times. 

I also owned during this period a Wells Fargo Advisors Account. 

In mid XXXX I was notified by Wells Fargo Bank NA and Wells Fargo Advisors that they no longer wanted to do business with me and closed my accounts and forced me to sell my securities with no other explanation given. 

In a letter dated XX/XX/XXXX Wells Fargo wrote stating that they had conducted a review of the holds placed on my consumer deposit accounts due to suspected fraud and that their research indicated that the holds may have been unnecessary. 

They included with their letter a refund of certain deposit account fees charged during the hold and additional compensation for their delay in making their payment to me. 

I filed a complaint with the FDIC after I received the XX/XX/XXXX Wells Fargo letter and on XX/XX/XXXX received a email response from the FDIC that my correspondence falls under the direct supervision of the Consumer Financial Protection Bureau and they have forwarded to you my complaint. 

To date I have not been contacted regarding this matter and as such am filing this complaint.

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 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
To whom it may concern, the following is illegally and invalidated, is reporting to the credit agency ( s ) **XXXX XXXX**, and XXXX is reporting an illegally invalidated account with the entity ( ies ) Southwest Credit XXXX opened on ( XX/XX/XXXX in the amount of {$640.00} ). 

" XXXX ( XXXX ) ( account opened on XXXX XXXX, XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XXXX XXXX, XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ) " XXXX XXXX ( account opened on XX/XX/XXXX in the amount of $ XXXX ) The following inquiry ( S ) are also unauthorized ***XXXX XXXX ****XXXX XXXX XXXX  XXXX ***XXXX XXXX  XXXX XXXX XXXX the following personal information is incorrect : XXXX XXXX XXXX XXXX XXXX md, XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX md XXXX I have not provided any permission for anyone/person, natural or not , to furnish my federally protected consumer information, and therefore, you are in violation of reporting an unverified, and invalidated alleged debt. According to 15 USC 1692g only a natural person can verify a debt, and central collections unit, can not legally provide a natural validation for this account. 15 USC1692e ( 1 ), stating I owe an amount for this alleged debt. This is harassment, and all are in violation of 15 USC 1692j ( a ) and can be liable for 15 USC 1692 k, k ( a ) for violation of these laws, per 15 USC 1692j ( b ). 


Cease and desist letters sent to each entity!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
I have been battling identity theft since 2015. I have contacted XXXX more times that I can count over the past several years. I have sent in police reports and divorce paperwork and identify theft paperwork over and over and over and over again. Out of all 3 credit reporting places XXXX refuses to remove the identify theft from my report, even though every other agency has removed it. They are still reporting Mariner Finance LLC on my credit report even though I have proven time after time after time that account DOES NOT BELONG TO ME!!!

Company response to consumer: Closed with explanation