vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased an outdoor heater from XXXX which cost {$560.00}. The product arrived late XXXX and was assembled by someone that was contracted by XXXX. The technician tried to put the unit together and said that the product was faulty because the holes in the unit were too big for the screws which compromised the unit. I contacted XXXX who said that they would get the 3rd party vendor to credit me once they received the unit. An air bill was sent to me and on XX/XX/XXXX, the unit was shipped back to the vendor. When I received my credit card bill that month, the charge for the {$560.00} was on the bill. At that time, I had no other choice but to dispute the charge since I shipped the product back to the vendor. On XX/XX/XXXX I received a letter from Barclays. The case number is XXXX saying that they could not pursue credit for the transaction because they were not provided proof of return. On XXXX XXXX I faxed the XXXX tracking number which was XXXX. It showed that the merchandise was received and signed for by the vendor on XXXX XXXX. I was able to show that the product was returned in good faith. On XX/XX/XXXX a letter was sent to me by Barclays that they are closing the dispute and they were not able to assist me in obtaining credit to my card for the following reason : " Merchant has not violated the terms and conditions of the contract. '' Unfortunately, the merchant did violate the terms of the contract since I was promised a functional outdoor heater. I am not understanding this, but the only thing I can think of is that I told Barclays that after I pay my final bill, I want to cancel my account with them since this has been a huge hassle. I have excellent credit, and have other credit cards, but I do think that I should be credited for a product that was returned. We also received an email from the merchant admitting that they had received the return and that they had advised XXXX that we should be credited the full amount. In the meantime, I reached out to Barclay 's by telephone XX/XX/XXXX. I asked to speak to a manager at that time. I was told that a manager would call me back within XXXX business days. They never returned my phone call. I do not have any other recourse at this time as I have exhausted all my options. XXXX said that since I opened a dispute they can no longer help me, but they did approve the refund after they knew that the product was defective. I am having difficulty scanning in the documents that I have. If you have a fax number, I am very happy to fax all of the documents that I have that prove my case.Please help me resolve this. thank you

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 2021-05-06 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 have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
I bought out my lease in XXXX of XXXX. The car was paid in full, yet title remained in Hyundais name. I am now seeking to get the title put in my name, but require Hyundai to send me the title and a letter authorizing me to transfer title in to my name, as the legal owner. My initial request was sent 5 weeks ago, at which time I was told a copy of title and the letter authorizing me to put title in my name would be emailed to me, and the original title would be mailed to me. ETA provided of 5 business days. Five days later, nothing received, I called back to find out they had no record of my request, but they would start it now. 5 more business days requested. After those five days, I received a copy of title via email, but no original title or title transfer authorization. I called again, and was told I could not receive either without an Odometer Statement, something never mentioned in my two previous requests. They sent me the Statement, I signed and returned immediately, and have e-mail confirmation from HMF of the documents receipt dated XX/XX/XXXX. I was then provided another 5-7 business day turnaround time to process the statement and attach it to my account. On XX/XX/XXXX, I called to confirm receipt of the Statement, and was advised they dont have it. They sent me the Statement again, I completed immediately and returned, and received another e-mail confirmation from HMF that the Statement was received dated XX/XX/XXXX. Ive now called again today, XX/XX/XXXX, and been advised that they dont have the Statement, 14 days after I received confirmation that HMF has the completed document. They sent the Statement again, I returned it again, and have an additional confirmation of receipt by HMF. 

Everyone I speak to shares the same story about not having any direct communication with any other department, and therefore no Avenue to research, investigate, or escalate the situation. Everything thats been asked for by HMF has been provided multiple times, with confirmation from HMF that its been received, yet no level of customer service is able to assist further, or provide any alternate Avenue to completion. At this rate, the five weeks Ive been attempting to work with HMF is going to increase exponentially because nobody at HMF believes its their responsibility to actually assist, they simply pass the responsibility on to a department they cant speak to directly. 

I want the title and the POA authorizing the title to go in my name, and Ive waited through several failed 5-7 business day turnaround times. There should not be any more such delays.

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 2021-05-06 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had originally filed a claim with Wells Fargo for a merchant who didnt payback my winnings at the XXXX online casino. Wells Fargo opened a claim and I lost the investigation even though the company never responded to the dispute. Wells Fargo asked me to send in documentation with a follow up call. I did follow through with the the documentation and call. I then have a card reversal or a provisional credit and it drawn my balance into the negative. Wells Fargo claimed I didnt send documentation but what they received wasnt a pdf to what they prefer and never decided to call me to send in the right format. I spoke to 3 different specialists and they all gave me a different answer. One said resend the documents. Another said the case was closed. This happened all in the same day and was told I cant re file another claim. Do not trust this bank. They try to manipulate and discredit customers in every way.

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 2021-05-06 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: OH

Complaint narrative:
Hi, PayPal close my account without any reason. 
I think because I received money in XXXX. Is ok if PayPal don't want let me use their services but the money in the account I need get access. 

I see my account doesn't have any fraud activity. 

READ WHAT PAYPAL AGREMENT SAID ABOUT XXXX XXXX PRODUCT. 
XXXX PayPal XXXX XXXX is a debit card linked to your PayPal XXXX XXXX balance. The PayPal XXXX XXXX is not a credit card. PayPal is not a bank and does not itself take deposits. You will not receive any interest on the funds in your PayPal XXXX XXXX account. Funds you hold in a PayPal XXXX XXXX account are not insured by the FDIC unless you have successfully requested a PayPal XXXX XXXX. If you have successfully requested a PayPal XXXX XXXX, then we will deposit the funds in your PayPal XXXX XXXX account into a pooled deposit account held by us for your benefit at an FDIC-insured bank. This structure used for accounts with a PayPal XXXX XXXX is intended to provide the funds in your PayPal XXXX XXXX account with the benefit of pass-through FDIC insurance up to applicable limits. 

The PayPal XXXX XXXX is issued by XXXX XXXX XXXX pursuant to a license by XXXX XXXX XXXX. XXXX is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX. The XXXX XXXX is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal. Card may be used everywhere XXXX is accepted. The XXXX XXXX does not hold your PayPal XXXX XXXX funds. 
XXXX PayPal XXXX XXXX account is required to get the card. 
Approval contingent on ID verification. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT : To help the government fight the funding of terrorism and money laundering activities, XXXX law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you : When you open a XXXX Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. 

In this agreement is clear PayPal said is not a bank. PayPal do not received direct deposit, so, they said are not responsible of the money in the PayPal XXXX services. 

Is clear in the agreement do not specify nothing about if i received a benefit in my account they can hold my money for XXXX days. 

my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Re : Prior Claim XXXX See that claim for details regarding specifics, if needed. 

It seems that I am not being believed and subsequently that claim was closed by Capital One. I do not agree for the following reasons : I saw that my application for a Capital One Credit Card online was DENIED. Yet the company called me to say that it looked like someone was trying to open a Credit Card in my name, leaving a voice message. I took the time and care to call back and say : 1 ] No, it was me trying to apply. 2 ] However, the online application app showed : DENIED 3 ] I told the customer service rep unequivocally that I did NOT WANT the Credit Card [ and the application had already been DENIED according to the online website ]??? 

In the mail a few days later I received the information on my new, but RESTRICTED, credit card?!? 

I claim this is the company 's error. How can it be proven that my application was approved, when it had been flagged and placed on hold by the company as a fraudulent application IN THE FIRST PLACE? 

I have requested this error NOT BE REPORTED to my credit records. A big company like Capital One ... what harm or negative action have I undertaken, that I should be penalized ... and what exactly is the benefit to Capital One in reporting this mistaken scenario? 
AN ANSWER TO THIS LAST QUESTION IS ALL THAT I NEED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
This collection appeared on my credit reports, I sent validation letters and never received validation, I have disputed it yet they say it's validated, I have no knowledge of this account and I am very dissatisfied that they have not validated it, nor do they seem to care that they are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I applied with Quicken Loan for my house back in XX/XX/2021. I have had serval Loan estimates since my first one all the way to the end. I got a loan estimate on XXXX stating I need to bring {$2200.00} to close. On XXXX, two days later right before closing on XX/XX/XXXX, my final estimate was {$5800.00}. In XXXX days it goes up {$3500.00} right before closing with no clear explanation again. One guy says its the XXXX 'S but I have everything in an email to the banker showing all the one time fees at closing in XXXX. They had all this information. It gets better, Now I was originally only suppose to bring a couple XXXX to close as stated in XXXX. The first estimate states me getting a check back for {$20.00} and no lender credits. After I got this, I emailed them back saying your missing {$5300.00} in fees. So she then gives me a {$4500.00} credit and I agreed to those terms. Then I get another estimate stating I owe {$4300.00} with a {$4500.00} credit!! So then she ups it to a {$7000.00} credit which leaves me at {$1800.00} to close. Then on XXXX I find out they are giving me a total of {$10000.00} in lender paid fees plus I owe the {$5800.00}. So this bank was off by {$12000.00} from beginning to end. That's unacceptable to be off by so much and then stick me with the big bill at closing XXXX days before. The loan estimate was about XXXX to begin with and when it was done it was close to XXXX. That is a lot of money to be off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
This number is calling about 5-6 people either kin to me or acquaintances telling them they are coming to get me, file criminal case against me. Officer XXXX is what she goes by but when I call the number it gets answered by a person who just says hello when I inquired about it they first tell me that Im a thief and fraudulent person who steals money which is far from the truth if I messed up I messed up and I want to make it up and fix it. Ace has never attempted to contact me prior to this I have the same number, bank account and address. After about a hour phone call I paid my what all I had to my name because if I didnt I was told the case would move forward. Today I called again because I felt it was a scam and was give 4 different numbers that my account was sold to and none of who I paid! This has caused so much distress with the threats and paying all I have to stop a case that probably dont exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: NY

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc.
State: NY

Complaint narrative:
Aargon Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This agency continues to try to collect a debt from me and continues to put a debt on my credit report after being provided details that my account was included in my chapter XXXX bankruptcy. 

My account is an old account with XXXX XXXX - account # XXXX. I again still dispute the information in my file. I have called and provided copies of my Chapter XXXX bankruptcy information several times to this company. As you will see this account has been disputed from my account several times as I keep providing details of the inaccuracies of this debt. It is unacceptable that this company continues to place this on my credit after being notified that this was included in bankruptcy. 

This item is listed as a collection and this is inaccurate because it was included in my Chapter XXXX discharge. I am requesting that the item be removed from m credit report. 

I have the copies of my chapter XXXX discharge from XXXX which supports my position. Please reinvestigate this matter and delete the disputed item as soon as possible.

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 2021-05-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX XXXX XXXX  and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA XXXXection 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Ocwen Financial Corporation
State: TN

Complaint narrative:
I HAVE INFORM THESE COMPANYS THAT I HAVE NEVER DONE BUSINESS WITH THEM OR SIGN FOR ANY PRODUCT OR SERVICE YET THEY ARE STILL REPORTING THESE ACCOUNTS ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XX/XX/XXXXAttempted to dispute information on my XXXX  credit report. It has a fraudulent SSN ending in XXXX. The online service will not allow me to dispute it. I called 3 different numbers for them. XXXX, XXXX, and XXXX. When attempting to dispute this erroneous SSN their system said to call XXXX to better assist. This number only gives 2 options. One is to freeze your account ( which I did ), the other is to purchase a membership. It tells you about optional memberships you can purchase and does not even let you get any of the services. It tells you about them and then hangs up. Neither of them will get you to a person so there was no " better assistance ''. This SSN and anything in reference to it needs to be removed. 

There are also 3 hard inquiries that are from a Chase credit company that I had a credit card with over 4 years ago. This company is running my credit every year even though my account was closed in XXXX. They ran onXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. XXXX  will not let me dispute these either. They need to be removed. 

They also have my ex husband as my spouse and will not allow disputing it online and of course not by phone as mentioned above. He needs to be removed. We have been divorced since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I was looking over my credit report and notice that I owe a medical debt {$51.00} but never received any documentation showing that I owe that amounf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: CA

Complaint narrative:
The following account was disputed and taken off my credit report due to the fact that it was fraudulent. XXXX sold the account after it was deleted in XXXX to XXXX XXXX and I am requesting that it is deleted permanently from the credit report and not to appear again. There are also inquiries the were not initiated by me that are stated in the police and the FTC report that needs to be removed. It has been well over 5 days and yet the negative and erroneous information is still reporting this has caused me to be denied credit as well as impact my way of living. I am requesting that the bureaus follow the FCRA law 605B and remove these items listed immediately otherwise I will seek litigation. Thank you!

Company response to consumer: Closed with explanation