vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal denied my unauthorized claim for {$1600.00} sent to an unverified PayPal account. I filed a claim stating it was not me who made the transfer they closed the claim out stating it was authorized without fully investigating. All they did was trace the IP address thats not enough proof that it was me who made the purchase. This has been an ongoing issue since XXXX. Now I have to get my bank involved and hope they honor the refund due to the past timely filing time frame. Im going to contact the police and file a claim against PayPal for fraud. There is no security for PayPal account holders they allow all fraud to go thru and they make you pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am a XXXX XXXX  in the country of XXXX who presently has permanent residence in New Jersey. I used my Barclays XXXX XXXX credit card to purchase my return airline ticket and for some reason my XXXXXXXX XXXX did not pay the charge automatically as set up. Barclays refuses to make a 1 time exception to remove the delinquency from my CBR as it has affected my score adversely. As you are aware credit score is imperative in society and being a XXXX  preparing to become a XXXX  my score is critical. Additionally, I paid the same second I received an email and a letter at home stating my delinquency. I would question why they would wait 3 months to notify me of delinquency and not sooner.Perhaps the late fee of {$37.00} a month is a common practice to destroy ones credit and increase income for the bank. My intention was not to be delinquent as I have never been and would have paid this immediately if I knew.I can only imagine how many customers this has happened to in the past. Please help as I need credit and only doing the right thing in today 's world.

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 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
Contact Wakefield & Associate on XX/XX/2019 about a medical debt that's on my credit report I am formed them that it was not mine I have medical insurance. I asked them to send me the HIPAA release form in any information with my signature on it. they refuse to remove it off my credit report and refuse to send me the HIPAA release form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: IN

Complaint narrative:
I sent a duplicate payment to Capitol One bank on my credit card account. The payment amount of {$9100.00} was sent on the XXXX and the XXXX. I contacted both my bank, XXXX and Capitol One. They keep pointing me back and forth and neither will assist me in getting me money back. I have called XXXX twice on XX/XX/XXXX each time they stated that Capitol One needs to refund the payment. I have called Capitol One three times, XX/XX/XXXX, XX/XX/XXXX and XXXX, each time I am told it will take 5-7 business days. It has been 8 business days and the refund has not been processed. Capitol One refuses to give me a reason for the delay. Refused to escalate my request. The Customer Service Supervisor, XXXX, refused to let me speak to a Manager or Director. Refused to contact another department. Refused to give me any recourse on filing a complaint regarding her lack of customer service. It took two days for XXXX to process my payment and Capitol One to receive it, yet after 8 business days they still have not processed my refund or give me a reason for the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received a charge for {$24.00} on XX/XX/2019 for the continuity of a premium Experian subscription. I never registered for a premium subscription and only ever used the free subscription services. Experian has my debit card information from when I purchased a one-time credit report for {$1.00} on XX/XX/2019. 
I called Experian about the charge, which occurred on a Sunday ( XX/XX/2019 ), but their customer service office was closed. I was able to use the automated system to cancel my membership and was given a transaction number for the cancellation of my free membership. 
I then called my bank on XX/XX/2019 to submit a claim to dispute the charge. My bank approved my claim on XX/XX/2019 and reversed the charge of {$24.00}.

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 2019-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Bank mailed me an offer letter to open a checking account with a {$500.00} balance maintained for 60 days, to receive a {$250.00} cash bonus after 60 days. ( See attached letter. ) I opened an account with this bank on XX/XX/2019, with a {$500.00} balance maintained for 106 days as of today. 
Bank has failed to fulfill their promissory offer, as of today 's date, XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: VA

Complaint narrative:
Then inquires are too old and not authorized have not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
On XX/XX/2019, at approximately XXXX XXXX. my husband and I went to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, NJ XXXX to shop for a new vehicle ( XXXX XXXX ) as our lease is ending on our current vehicle ( an XXXX XXXX ). There we were met by XXXX XXXX ( Product Specialist )  and test drove the new vehicle. After deciding to move forward with a new lease, XXXX stepped away to meet with his sales manager, XXXX XXXX. Upon returning, XXXX provided us a monthly payment amount. When we were dissatisfied with the amount XXXX told us that this car wasn't for us because we couldn't afford the payments. Never once did they pull our credit or confirm our income. My husband and I are two highly compensated professionals. At this point, XXXX left and met with XXXX once more. When XXXX returned, XXXX accompanied him. When we met XXXX, he made a comment to us about the way we were dressed and asked if we called one another prior to coordinate. This rude comment was uncalled for, XXXX, and completely out of line and sync with reality. XXXX walked us through the pricing when I told him I had a better deal at another XXXX dealership. He asked to see my personal email from the other dealer. When I refused to show him he stated that it could not have been right - insinuating we were liars. At this point, we had enough and left. 

Approximately 15-20 minutes later XXXX called and continued to try and discuss lease terms. Later that afternoon, we made a complaint through Infiniti 's corporate site and with XXXX XXXX. To exacerbate the situation we reviewed customer comments from others on XXXX and social media - we were shocked that this company has also treated others this way. More so, the others that were treated this way all had ethnic names such as myself. 

Then on Monday, XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX, the general manager, called to discuss what happened. After some discussion I asked him what he planned to do to ease this situation, he said : " I don't think we should do business together. '' After hearing this comment from him, I could no longer engage in hearing someone spew such hatred commentary. 

This company should be held responsible for such behavior - to assume anyone, regardless of race, gender, or sexual orientation can not afford a car is deplorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: TX

Complaint narrative:
I checked my credit score on Monday XX/XX/2019. I noticed a " derogatory remark ''. Apparently a company called XXXX XXXX XXXX XXXX asked a collections agency, to collect {$860.00} from me. This is negatively affecting my credit score. At this time, I have never received any notice nor bill from XXXX XXXX XXXX XXXX or the debt collector. To the best of my knowledge, neither party has tried to contact me with regards to the alleged debt. 

I tried to contact the alleged original creditor, XXXX XXXX XXXX XXXX. However it seems they have no central location and are practically impossible to contact. I managed to contact the billing department of a hospital they are affiliated with, who in turn gave a number to call, but the number is out of service. I received no bill from them, but they're still able to affect my credit score like this? How can a company who claims to improve the public 's quality of life, act with such flagrant disregard for the well-being of the people it's meant to be serving? If their claim is legitimate, why couldn't they get my information from my insurance company like every other health service? Whoever XXXX XXXX XXXX XXXX is using to handle their billing is either incompetent or unscrupulous. Possibly a combination of the two. 

I am a recent college grad, trying to start out my life with my wife. I am currently applying for jobs, apartments, credit cards, etc. The apparent, reckless negligence of XXXX XXXX XXXX XXXX is severely and unfairly, negatively affecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Good morning my name is XXXX XXXX and I appreciate it if you could help me put a stop to Chase Bank cardmember services. 
In 2018 I wrote to Chase asking for debt verification and what they sent me a statement which is not acceptable. I am asking the bank to validate the debt. Instead I been receiving mail every month from them attempting to collect a debt. 
I have a right to know this information as a consumer. 

Chase account # XXXX XXXX XXXX XXXX Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: FL

Complaint narrative:
I was looking at my credit report and notice there was a collection that does not belong to me. I sent the company and the credit bureaus certified mail telling them that this account does not belong to me. Its been about 4 weeks now, and I have not heard from them, or gotten any letters from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 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: PHH Mortgage Services Corporation
State: NC

Complaint narrative:
I sold a property at XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX on XX/XX/2018 to XXXX XXXX and wife XXXX XXXX. XXXX XXXX XXXX provided a payoff for {$53000.00}. The CD, Title and Deed were signed by me to complete the sale. 

Now as of XX/XX/XXXX I have a new trade line on my credit from PHH Mortgage  showing the account is 180+ days past due. 

This property was sold nearly a year ago. I need this removed from my credit at once. Attached is the CD from the sale along with a verification from XXXX showing a zero balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: VA

Complaint narrative:
credit reporting agency will not update my mortgage as paid off

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 2019-05-01 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: DISCOVER BANK
State: AZ

Complaint narrative:
I have previously filed a complaint against Discover. I am getting this as a response from them : Executive Office of Discover Financial Services Tue, XXXX XXXX, XXXX XXXX  ( 18 hours ago ) to me Dear XXXX XXXX XXXX : Thank you for your correspondence to the Consumer Financial Protection Bureau and the Office of the Arizona Attorney General. To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to discuss your concerns, please feel free to contact me at XXXX, weekdays from XXXX XXXX to XXXX XXXX, ET. 

Sincerely, XXXX XXXX I have called Discover at this number well over 50+ times. I am never able to get a hold of XXXX XXXX. I have called from different phone numbers, I have sent e-mails, I have sent written correspondence to Discover and to XXXX XXXX 's attention, no response. Discover has flat out advised me they will not assist me because I contact the CFPB. Where is the oversight? Where is the accountability for this company to act illegally, unethically, and flat out rude and deceptive at every interaction at every level within this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX at about XXXX I received an email receipt from XXXX notifying me of a purchase on my Citibank credit card XXXX in the amount of XXXX. The purchase was not made by me and my wife was currently at the Dentist when purchases were made. I then logged into my Citibank mobile app to investigate and noticed a second charge for XXXX was also now pending. I immediately locked the card and reported it stolen via the app. I then called Citibank to dispute the charges ( the app makes you think you can dispute it via the app but it then says you need to call them ). 

I was under the impression that the charges would be reversed while the dispute was investigated. Perhaps this was an assumption I made based on my prior excellent experience with fraudulent charges on my Chase credit card. However, on Saturday, XX/XX/XXXX I noticed the charges were still on my statement and no longer pending nor reversed. 

I called again to check on the status of the dispute, but given it was a Saturday the rep told me I would need to contact their security department during the week for an update. I tried to get clarification on the timeline as to when charges would be reversed she believed it would be within 7-10 days was otherwise unhelpful. 

On XX/XX/XXXX, I noticed the charges still have not been reversed. I again called the dispute number listed on the website XXXX and spoke with XXXX ( Employee ID XXXX ) to verify the status and clarify timeline. She said she has submitted this with priority status and should expect to see the credit in 2-3 days. She also offered a XXXX $ account credit for my troubles. 

Today, XX/XX/XXXX the transactions have still not been reversed, nor have I received the XXXX $ credit XXXX offered. 

On a somewhat related side note for other consumers, I signed up for a Citibank checking account due to a XXXX $ promotion if you spend XXXX $ on the debit card and a qualifying bill payment. This credit was never received. I realized this after I started this dispute and called them about it and the rep said it was scheduled to post on XX/XX/XXXX, but it never did. 

It appears Citibank does not honor their verbal commitments and thus I feel it necessary to send a written letter to dispute and required by CFPB

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 2019-05-01 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: VA

Complaint narrative:
credit reporting agency will not update my mortgage as paid off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
Onemain Financial Gr. on XX/XX/2019 lured me into checking to see if I prequalified for a loan and stated it would not be a hard inquiry on my credit report, and it clearly was is a hard inquiry on my credit report, which has now had an effect on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I requested a money transfer on XX/XX/XXXX and received a Transfer Confirmation Receipt pdf which showed both the Funded and Paid Out dates asXX/XX/2019. However, the recipient is yet to receive the transfer. I called TransferWise customer assistance on XX/XX/XXXX and was advised to tell recipient to go to his bank with the receipt for collection. On XX/XX/XXXX, the recipients bank informed him that the money had not made it over to the bank, and that he needed a different form to be able to collect the transfer. The bank also informed the recipient that he would have to collect the money in XXXX, even though his bank is in XXXX where he lives. I called TransferWise back on XX/XX/XXXX to request a cancelation of the transfer. However I was told that it could not be canceled, and they are unable to determine when the transfer would be completed at this point. I was asked by the representative to wait and they would contact me via phone and/or email whenever they are able to determine that the transfer is truly complete and ready for collection. It has been 8 days since I made the original request. The time it takes for transfer was falsely represented by TransferWise and now I have no way to know how much longer it might take. I find this rather unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: VA

Complaint narrative:
credit reporting agency will not update my XXXX  XXXX XXXX card as paid off

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 2019-05-01 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: IL

Complaint narrative:
I have disputed with TransUnion over 15 times about a negative XXXX XXXX dealer services that's on my credit report in every dispute I requested a reading sign contract with my signature on they have failed to produce the original signed contract I don't understand why they keep violating my rights under there Fair credit reporting act I want this account deleted ASAP do to them violating my rights and the Fair reporting act

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 2019-05-01 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: NC

Complaint narrative:
I recently sent a letter to Experian. I am attaching a copy of the letter I sent to Experian. In the letter, I asked them to investigate inaccurate accounts on my credit report. They were supposed to respond with the results within thirty days, but they have not.

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 2019-05-01 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: VA

Complaint narrative:
credit reporting agency will not update my XXXX XXXX XXXX card as paid off

Company response to consumer: Closed with non-monetary relief