vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 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: GA

Complaint narrative:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$810.00} XXXX  XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX XXXX {$10000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: NV

Complaint narrative:
My backpack was stolen with my ID and social in my wallet inside it almost 10 years ago. I was contacted my a debt collector that I had no idea what they were talking about so I had my credit reports pulled from all three bureaus. After receiving the reports I seen a whole lot of accounts, names, addresses, and socials that I didn't authorize or know anything about. I immediately filed a police report and identity theft report as well as disputes with all three bureaus. They have not done anything about it and are holding me liable with no proof that I opened these accounts or haven't sent me what proof they may have because they are not mine.

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 2020-11-12 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XXXX, I noticed two suspicious charges on my credit card account, on which my husband is an authorized user, for {$34.00} each from " XXXX XXXX ''. I called Chase who said the charges had been keyed in and that my card would need to be replaced, and also helped me identify an additional charge from XX/XX/XXXX for {$32.00} from " XXXX XXXX '' that was also suspicious and made via XXXX XXXX. When I looked up the franchise number attached to these charges, they are both in areas of the city my husband and I do not go to. 

Additionally, my husband was hospitalized in mid XXXX with XXXX and he has not been leaving the house, so it is impossible he could have made these charges. 

I noticed today, XX/XX/XXXX, that the charges were still showing on my statement so I called again. The representative this time told me no fraudulent claim had been filed. She also told me that all three charges were made from the XXXX XXXX  account attached to my husband 's phone, in contradiction to what the previous representative told me, and that they were not made in person but online ( again in contradiction to what the previous rep told me ). She opened a fraud claim investigation for me but also told me that because the charges were made through XXXX XXXX, they would probably be found to be legitimate and we would be re-billed for them, potentially impacting my credit. I stated these charges were absolutely fraudulent. 

This is absurd because these charges are fraudulent. My husband and I do go to XXXX, but when you look at the billing statement, the actual locations we frequent show up as " XXXX XXXX '' versus these fraudulent transactions which are showing up as " XXXX XXXXXX '', without the XXXX spelled out. You can also see that we have never been to the alleged franchise locations from the fraudulent charges. I am not even sure if these are legitimate XXXX locations or just a scam to make the charges look legitimate during a credit card theft scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
We just received a new loan from Westlake Financial Services. When we applied for the loan we asked when the due date would be. No one was ever willing to give us one. Today we received our paperwork and without a known due date we attempted to make our first payment. 

We owe $ XXXX/mo but we wanted to pay {$1000.00}. We attempted the transaction and apparently it went through. But we had no proof of payment. No confirmation receipt. Our portal shows no payment or payment history. 

We called asking for a receipt or confirmation of payment but was refused a receipt or confirmation of receipt. We spoke with a supervisor. Still no proof of payment or confirmation receipt. We received an email with our payment history not showing any proof of payment. 

We do not know when our payments are due and we have no proof of payment for a loan that we have paid almost 4 times the amount due. We are appalled as to why we can not receive a ongoing due date or confirmation of payment receipt. 

How do we know we are not being scammed? We just trying to be responsible in paying our debt better than we agreed to pay it. Why are we refused any confirmation of payment received? How is this legal and ethical? How can they take our hard-earned money and refuse to confirm its receipt?

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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
This company Comenity bank is unwilling to accept a {$35.00} payment to close account and keep on tacking on late fees every month and billing me for late fees even though this account has been closed since XXXX. I just talked to a representative today who was unwilling to make any adjustment to the ludicrous charges that are unmerited because they refuse to come to an agreement. W spent over 45min on the phone. He took the time to listen to the last two conversations I had and still wouldnt budge. EVEN THOUGH IT WAS IN HIS POWER TO DO SO. I have never done business with a credit card company in my entire life that has so little disregard for its customer and their financial distress. Especially after that customer has paid the promotional balance in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After bankruptcy was filed what was the agreement between me and Mortgage Company I went into a repayment program I paid a lump sum of money and I was making monthly payments eventually I paid the house off they knew it was wrong for them to go into this payment plan with me and accept money but they used a rule that I did not know about I'm not a bankruptcy attorney they knew the acceptance of any money for any bankruptcy was against the law they knew that any money given to them should have been turned over to the Trustee since their answer includes a quote of the manner of law in which bankruptcy accounts are applied then return the XXXX plus that was sent in payments and reinstatement fees they got close to XXXX for a XXXX balance no matter what XXXX quote they committed fraud they took money that they knew to be turned over to the Trustee to the bankruptcy court they failed to report that any payments was being made they hid this fact if they not intentionally want to hide facts then why wasn't it reported why they didn't send back the payments and inform me to give them to the bankruptcy why didn't they make this fact clear to me as they are in their answer to my complaint to you ... because This Mortgage company has a history of their fraudulent and deceitful ways to many customers their answer to you is a simple script from a real estate book but the facts remain they took the money regardless if i applied bankruptcy they knew the laws it is their hob to know they never said sorry send your payments to the courts they took them and since over XXXX XXXX  was paid to pay off the loan I want my XXXX XXXX plus back. This Mortgage company defrauded me ( period ) ref to complaint numbers XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have not wavered about my complaint over the years. If CFPB are here to assistance when consumers are taken advantage of by companies are not complying why am I still seeking the case?

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 2020-11-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After bankruptcy was filed what was the agreement between me and Mortgage Company I went into a repayment program I paid a lump sum of money and I was making monthly payments eventually I paid the house off they knew it was wrong for them to go into this payment plan with me and accept money but they used a rule that I did not know about I'm not a bankruptcy attorney they knew the acceptance of any money for any bankruptcy was against the law they knew that any money given to them should have been turned over to the Trustee since their answer includes a quote of the manner of law in which bankruptcy accounts are applied then return the XXXX plus that was sent in payments and reinstatement fees they got close to XXXX for a XXXX balance no matter what XXXX quote they committed fraud they took money that they knew to be turned over to the Trustee to the bankruptcy court they failed to report that any payments was being made they hid this fact if they not intentionally want to hide facts then why wasn't it reported why they didn't send back the payments and inform me to give them to the bankruptcy why didn't they make this fact clear to me as they are in their answer to my complaint to you ... because This Mortgage company has a history of their fraudulent and deceitful ways to many customers their answer to you is a simple script from a real estate book but the facts remain they took the money regardless if i applied bankruptcy they knew the laws it is their hob to know they never said sorry send your payments to the courts they took them and since over XXXX XXXX  was paid to pay off the loan I want my XXXX XXXX plus back. This Mortgage company defrauded me ( period ) ref to complaint numbers XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have not wavered about my complaint over the years. If CFPB are here to assistance when consumers are taken advantage of by companies are not complying why am I still seeking the case?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, The account under my Equifax named XXXX/XXXX  is showing that is still open. This account is suppose to be closed because it was included in my chapter XXXX bankruptcy that was discharged XX/XX/2020. It is showing to have a balance of {$170.00} and a limit of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I am reaching out to Capital One as I am still looking for an answer to why my checking account funds are blocked from me being able to make a withdraw of my funds. This is the second complaint because I was questioned by the consumer protection department about an SBA loan deposit that went into my checking account ending XXXX over three months ago. But on the same day, XX/XX/2020 Capital One consumer protection department also locked my other checking account ending in XXXX and they also locked my daughter checking account ending in XXXX. I am still trying to figure out why no one in the Capital One customer service department was unable to tell me why my funds from all three accounts are being held, hostage. I joined Capital One bank because I thought it was a bank for Racial Equality, but that outlook has changed. I can not see any reason that Capital One has for holding my funds at all, but to hold it for all three is the oddest thing I ever witnessed by a bank. I feel that if Capital One had a legitimate reason for holding my funds I would have been told by now. I never ever had a bank block me from withdrawing my own money from it let alone from all three checking accounts. I also have three credit cards with Capital One and I want badly to cancel them for this matter. I know if I do I will hurt my credit history and this is the part that really XXXX me off. I can not even pay my credit card bills because I am unable to use my money locked up in these accounts. I truly hope CFPB will take this complaint to heart to help the next person who deals with Capital One godlike position to hold someone money in multiple accounts with no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, The account under my XXXX  named SYNCB/XXXX  is showing that is still open. This account is suppose to be closed because it was included in my chapter XXXX bankruptcy that was discharged  XX/XX/2020. It is showing to have a balance of {$170.00} and a limit of {$250.00}.

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 non-monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
On XX/XX/2020 I attempted to transfer money online via XXXX with my card issued from WAY2GO ( Conduent Bank ). The bank declined the transaction and XXXX XXXX sent me a email for my records showing that it was not able to be completed due to the bank declining my transaction. Yet, They ( WAY2GO ) still took the money out of my account, as if they never declined it. I immediately called and kept calling for almost a week of waiting on hold for more than 4 hours each time ( I have all screenshot proof of wait times on hold with this company ), Finally I got a lady who helped me file a " dispute ''. I was told as long as I sent in my paperwork to them filled out that they were going to credit my account the provisional credit, seeing as how XXXX XXXX had already provided me with the required proof showing that they did not receive a dime from WAY2GO card company NOR did I. I faxed in my paperwork the very next day ... to be put on hold again and again. They charged me a fee EVERY TIME I CALLED THEM EVEN WHEN THEY WONT ANSWER MY CALLS ANYMORE SINCE THEY REALISED THEY MESSED UP AND WONT GIVE MY MONEY BACK. On top of all this, they send me a letter 90 days later saying they could not find any wrongdoing and I would not receive the money they stole from me. I have been lied to by this company for the last time and If I wanted to call them to speak with them about their so called investigative findings that I provided them MYSELF!!! IT WOULDN'T MATTER BECAUSE AS SOON AS I ENTER MY ACCOUNT NUMBER INTO AUTOMATED SYSTEM THEY HAVE IT HANG UP ON ME. WOOOW.!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: OR

Complaint narrative:
We bought a laptop online, directly from XXXX on XXXX XX/XX/2020. 
It died on XXXX XX/XX/2020. 
XXXX shipped a replacement laptop on XXXX XX/XX/2020, while placing a hold on our credit card pending return of the defective laptop. 
On XX/XX/XXXX XXXX received, but then apparently lost, the defective laptop, turning the hold into a charge. This delivery was at least one day prior to XXXX two week return deadline. 
I filed a dispute with Discover Card when my bill closed, including this charge, on XXXX XX/XX/2020. 
After receiving copies of XXXX  receipts proving delivery XXXX told me that everything is resolved and I shouldn't be seeing a charge. 
I had given Discover Card copies of those same receipts from XXXX  showing that I sent a package to XXXX and that it was received before XXXX return deadline. 
Nothing XXXX has sent to Discover Card and Discover Card has made available to me either mentions or denies that they received the defective laptop returned by me. 
In spite of the proof of delivery on my part and the lack of a dispute of this fact on XXXX 's part Discover Card has ruled against me and said that I need to pay XXXX, without explaining why this decision makes sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Received collection notice from Hyundai Motor Finance dated XXXX XX/XX/2020 and received today indicating my payment iao XXXX is past due. Late payments may result in late fees and may damage your credit. It is very important that you prevent further collection efforts on this account. My payment is due on the XXXX of each month and was made on XXXX XX/XX/2020 and posted on XXXX XX/XX/2020. I always make my monthly payment within the grace period allowed and have never received a collection notice for late payment. This is a creditor harassment. I reached out to the company and was told " we are not sure why this happened and to just regard the notice ''. This response is unacceptable and I am requesting a formal apology from Hyundai Motor Finance. It is my belief that this has happened because I took XXXX XXXX XXXX to arbitration and won and they now have to replace my current vehicle with a new vehicle. I've leased 2 Hyundai/XXXX  vehicles and have never ever received a collection notice.

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 2020-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Comintity bank is refusing to assist with getting me an email That allows me to directly link my card to the website. Zales is telling us that its them and they are telling us its Zales but they are holding the credit limit hostage and arent allowing us this information so we can make the purchase. We have tried for over 2 hours to get this information. The rep even stated to me a few minutes ago that we were lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On Sunday XX/XX/2020 I received a text message on my phone stating that I had sent a payment of {$2400.00} to a person by the name of XXXX XXXX which I do not know. I logged in to my PayPal account and saw the money transferred but then saw money received in my account also paid by XXXX XXXX but only for the amount of {$2200.00} ( XXXX ). The person who hacked my account changed my chase credit card to my XXXX XXXX Debit card to transfer himself the money and I do not know if the money he sent back to me is legitimate or fake money. I reported the fraudulent activity & unauthorized transaction to PayPal and opened a case but PayPal keeps stating that the fraud committed on my account was NOT unauthorized when in fact it was. Two strange credit cards ( XXXX & XXXX XXXX ) were also added to my account but PayPal refuses to help me with this serious fraud. This appears to be an inside job and for that reason I am filing a complaint with your agency so you can help me with this matter. I have also filed a complaint with my bank and they will perform their own investigation. PayPal is no longer of help and only denies and closes my case instead of reporting this fraud to the law enforcement for a more thorough investigation. If PayPal is NOT able to see any fraud or any unauthorized transactions in my account, that means either the person committing the fraud is an excellent hacker or is an employee of PayPal which mean this was an inside job. I have requested copies of the documents PayPal has used in determining the final outcome of their investigation but have not received anything. I am stressing out and really need the government to step in and get to the bottom of this fraud.

PayPal Case ID : XXXX and XXXX PayPal Email : XXXX PayPal, Inc Attn : Unauthorized Account Access Appeal P.O. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation