vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 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

Complaint narrative:
On XXXX of XX/XX/2021, PayPal did send me an email requesting me to provide information since the account was TEMPORARY limited until I present the documents requested. 

On XXXX of XX/XX/2021, I provided all the information and documents requested that is National ID, Bank Statements, Proof of address and information on my account activity. 

On XXXX XX/XX/2021, my account got PERMANENTLY limited by PayPal despite providing valid and sufficient documents and information requested one ( 1 ) day earlier.

At the time of closure my account has a total balance of {$140.00} which I can't have access to until 180 days have elapsed.

I have tried to reach the company via their official XXXX handle and direct calls with no avail. Upon checking on the Resolution center, they said the decision was final.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX and Capital One N.A. It seems Capital One has taken over XXXXXXXX XXXX XXXX XXXX as recent statements sent by collection company are under Capital One and they have been contacting me about a debt since XXXX. They put the supposed debts in collection in XXXX with XXXX XXXX XXXXXXXX and they are now transferred to XXXX XXXX XXXX when I lived in CA.. 
They contacted me and I told them in writing and that it is not my debt, that my identity was stolen and asked them to stop contacting me. They refused and continued to contact me and making threats that I would be sued. 
XXXX XXXX XXXX kept contacting me. They sent me " Proof '' that the account was mine, by sending me a statement with my name and an address I have not lived at for several years. This is not " proof ''. I have asked for something with my signature, but they have refused to send it. 
This is not my debt and I refuse to pay it. 
This has been on my credit report since XXXX and as of XX/XX/XXXX it says it will be on there till XXXX.They seem to be changing the collection services to start the 7 year date all over. I have never acknowledged this debt as it is not mine. I have written to both collection agencies and XXXX and Capital One, stating not to contact me and the debt is not mine. They still continue to contact me and make threats. 
I have also contacted the 3 credit reporting agencies in an attempt to remove these accounts several times over the years, but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United PanAm Financial Corp.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: MD

Complaint narrative:
I have requested that Equifax do an investigation with my inquiries, I even submitted an FTC report which only allowed me to add 5 accounts to the report. I have advised Equifax of this and they state they would put all inquires on file in dispute. I have not heard nothing back from Equifax and it has been over 30 days.

Additionally, they have removed some of the hard inquires, but left 11 on my credit report which are considered fraudulent inquires. No communication has been received from this credit bureau which violates the law.

Please have those inquires removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XX/XX/21 As follow-up to identity theft, I began checking credit reports per FTC instructions. XXXX provided the credit report plus a free credit score which I understand is available free yearly. 

XX/XX/21 Continued with XXXX and had the same positive experience. 

Later, went to TransUnion site. Got free credit report then clicked on the large button for getting credit score. This then required giving bank card info which seemed suspect to me, but since there was no listing of a price, I figured I would be offered some sort of upgrade after I got the score. 

I was appalled to learn that I had just signed up for a subscription product and had already been charged {$24.00}. I cancelled the subscription and called customer service to request a refund. A very polite customer service rep verified that I had indeed cancelled my subscription for the future but it was not possible to refund the {$24.00}. She reassured me that I could continue to access my information for the next 30 days. 

Its appalling that a company with access to so much of my personal information and to which I am referred for help with identity theft would engage in such a deceiving practice. They are preying on the vulnerable. 

I see there have been complaints in the past, and thank you for all you at CFPB do to help monitor the industry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-14 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: CHECK INTO CASH INC.
State: MI

Complaint narrative:
XX/XX/2019this company ran my credit without my permission. Which then added a inquiry onto my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I put a dispute in with Equifax regarding The suffix of my name Ive been in contact with them the last month trying to get it change I also let them know I was in the process of purchasing a home and that the loan company we need to get a copy of my credit report Ive been calling them for the last week every day and every time I talk to somebody I just get the run around ive sent in my drivers license a picture of me and a copy of my Social Security card I also let them know that I should be closing on my house by XX/XX/XXXX but without the loan company being able to get a copy of my credit report I might lose out on my house

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was terminated by CapitalOne for as they have stipulated " profanities '' with their customer service representatives. The card was canceled, and all debt was paid. 

However, they have an ad on the Internet for " no credit check, '' and I applied for another card with CapitalOne. I was a CapitalOne customer for about 25 years before I was canceled, and I have/had excellent credit ratings. 

I had asked them to cancel my request for another card, as they indeed did check my credit scores ( which lowers the values ), had sent emails to CapitalOne about several issues, tried calling them ( I wasn't a member, so I could not get through most of the time ), and eventually conceded to accepting the decision for the new card. I was approved, and after at least a month, received the card. In my emails and calls I made, I brought up the concern that CapitalOne has declined in it's customer service, and virality, such as by offering a card based and lying about the credit check. 

I recently canceled my card, as I was frustrated with more run arounds from customer service. 

Two days ago, I received these letters from CapitalOne. This is adding insult to injury I my opinion. I don't owe them a penny, never charged the new card, and find this very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: SC

Complaint narrative:
I filed a complaint with CFPB case # XXXX. XXXX XXXX removed the bankruptcy from my consumer credit profile. Notification was sent out to Transunion and the CFPB that the bankruptcy has been removed on XX/XX/2021. Transunion has responded to consumer on XX/XX/2021 saying that the information has been verified as accurate and has refused to remove the damaging information from my consumer credit profile. I am enclosing documentation of the XXXX XXXX letter to the Consumer Financial Protection Bureau.

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 2021-03-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This account has been falsely verified as accurate by XXXX XXXX and JPMCB Auto after I submitted an dispute in XXXX, XXXX More specifically, I'm reference the fact that : 1.The Charged of month is incorrect. This account was charged off in XXXX not XXXX of XXXX as it shows on my credit report. 2.The payment history is incorrect. On XX/XX/XXXX, my reports shows a 60 day late, how is this accurate when I made a payment on XX/XX/XXXX, how can I jump to a 60 day late without being 30 days late the previous month??? Besides, I made a payment of XXXX on XX/XX/XXXX. In XX/XX/XXXX there a 30 day late reported, but the following month in XXXX shows a 90 day late, how can you go from 30 days the 90 days late in 2 months? These inaccuracies have been verified as accurate which violates the FCRA section 623. There was no reasonable investigation done as outline by the FCRA section 1681i to insure maximum accuracy 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: I.C. System, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion will not remove a collection from my credit report from XXXX XXXX from a credit union I have never ever heard of. The account does not belong to me and I have contacted Transunion several times to remove this. They have not sent me any information and just leave it reported.

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 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several unauthorized inquiries on my Transunion report that they refuse to resolve. Customer Service would not take care of this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I sent a debt validation letter multiple times. Once on XX/XX/2021 & XX/XX/2021. Each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of my HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Aargon Agency, Inc.
State: CA

Complaint narrative:
XXXX will not remove a collection from my credit report from Aargon Agncy from a credit union I have never ever heard of. The account does not belong to me and I have contacted XXXX several times to remove this. They have not sent me any information and just leave it reported.

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 2021-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This notice is being sent to the attention of attorney XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, with regards to communication that was sent to her via email on behalf of Plaintiff XXXX XXXXXX/XX/XXXXin an attempt to settle a debt. 

I ' m waiting on a response on a request made several weeks ago via email ( date XXXX XXXX, 2021 ), to attorney XXXX XXXX, asking that she have her client consider my proposal to satisfy mortgage arrears by accepting an Assignment of Benefits ( AOB ) on a life insurance policy from both myself and my spouse. We wish to use AOB in any way possible to enable us to keep our home and to prevent foreclosure, which would include using it as a collateral assignment. 

My spouse and I have attempted to contact attorney XXXX XXXX for at least the past 2 weeks via email, as well as via phone. However, we did not receive any formal update as of late, which seemed a bit unusual, especially since communication had been more frequent prior to this. 

XXXX XXXX option XXXX MLT XXXX, Asset-backed certificates, series XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX ; XXXX XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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:
The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My addresses are wrong as well. I am attaching a letter of explanation.

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 2021-03-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian has failed to investigate various fraudulent accounts. Experian has not made me aware of the status or completion of the dispute initiated. This has happened over the past 2 months with more then one request to investigate the following inaccurate, and/or fraudulent accounts.

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 2021-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am a platinum Macys Credit Card holder. I have maintained flawless/perfect credit with them for years. My account number ends in # XXXX. Name on my card is XXXX XXXX XXXX, address is XXXX  XXXX  XXXX  XXXX, XXXX XXXX, CA XXXX. A few weeks ago I received my newest statement My balance was XXXX of which they charged me {$210.00} for interest in XXXX. In XXXX I had purchased like {$100.00} ... it raised a flag. I called customer service and told I was charged for not having to pay interest on a {$240.00} XXXX  XXXX  I purchased on XX/XX/XXXX. I have never heard of this interest nor what I to pay interest after a year. I am prudent person when it comes to credit. I would have never opted for such a thing, {$210.00} interest for a year non-billed charge? for a {$240.00}. 

The true story in addition to this " : credit/interest robbery!. On XX/XX/XXXX I purchased a ring they sales staff claimed was a " XXXX XXXX. '' The cost was a total sale of {$1200.00}. 

I also purchased the XXXX ( for {$240.00} ) I took the " XXXX XXXX to an appraiser and was told it was not worth more than {$80.00} and Macys had a huge mark up as well as not being a diamond. It was actually a XXXX XXXX XXXX. 

I was furious - I went to a 2nd appraiser and he said it might be closer to {$100.00} it that. I needed the appraisal for my insurance company, I went back to Macys and returned the XXXX fake diamond ring on XX/XX/XXXX. I was refunded {$980.00}. Again the rind was return and it any non-disclosed deal for a year without payments there should have been no interest! 

I could not get the customer service representative to hare me, they refused to believe I was never informed that I would not be charged interest. If I signed anything I probably thought it was the charge receipt? 

The XXXX was paid by way of a gift card for the the {$240.00} - how was $ XXXXinterest assessed/charged for a purchase on a gift card? 

I will ever use the charge card again. 

I am respectfully requesting that the interest be immediately be removed from my Macys charge account. 

I did pay an additional payment of {$200.00} after this literally interest robbery. I intend to pay off the total balance and then never use the credit again - NEVER. 

i ASK THAT THE INTEREST BE REMOVED AND MY ACCOUNT BE CREDTED THE ILLEGAL MANUVERUR.

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 2021-03-14 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: AFNI INC.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation