vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: PA

Complaint narrative:
On XX/XX/, I made an online purchase of {$170.00} at XXXX ( order # XXXX ). I used PayPal at checkout and paid with my XXXXXXXX XXXX credit card. 
Since I was not satisfied with the product, I returned the item back to the XXXXXXXX warehouse on XX/XX/. The item was delivered to the warehouse on XX/XX/ ( tracking # XXXX ). 
I haven't received my refund within the timeframe I was promised ( According to the XXXX policies, a refund is supposed to be issued within 48 hours after the item is delivered to the warehouse ). So I issued a dispute through XXXX XXXX  on XX/XX/XXXX  ( dispute case # XXXX ). My request for the dispute was accepted immediately and I received a chargeback of {$170.00}. 
On XX/XX/, I received an email from PayPal regarding the dispute. According to this email, PayPal received notice that I disputed the transaction with XXXXXXXX XXXX ( PayPal case ID : XXXX ) . This email also meant that it took 6 days for PayPal to receive a notice from XXXXXXXX XXXX  and open a dispute case on my PayPal account. 
On XX/XX/, I received an email from XXXX. I was told that XXXX tried to issue a refund, but they found out about the dispute. In order for me to receive the refund, I was instructed to close the dispute. I went ahead and contacted XXXXXXXX XXXX to close the dispute the same day. The dispute was closed and a chargeback of {$170.00} was added to my credit card. 
However, although I closed the dispute on my credit card, I still haven't received a refund from XXXX. I contacted XXXX about this issue. I was told that the dispute was still open on my PayPal account. So I went to my PayPal account and submitted a request to close the dispute on XX/XX/. The customer service at PayPal told me that they kept the dispute case open because XXXXXXXX XXXX has not notified them about the closure of this case. 
Since XX/XX/, I have contacted both XXXXXXXX XXXX and PayPal about this issue several times. While PayPal is claiming that they haven't been notified about the closure of the dispute, XXXXXXXX XXXX keeps assuring me that they have notified PayPal. Considering that PayPal was able to receive the notification of this dispute in the first place, I believe that XXXX XXXX  notified PayPal about the closure of the dispute. My multiple attempts at providing evidence ( i.e., the email I received from XXXX XXXX  about the closure of the dispute ) to PayPal have been directed to their department investigating this case, but there haven't been any improvements for almost a month now. And since PayPal is not closing the dispute, XXXX is not issuing a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I HAVE CONTACTED EQUIFAX ABOUT FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX. I HAVE SUBMITTED FTC REPORTS ALONG WITH MY IDENTIFICATION, UTILITY BILL, AND SOCIAL SECURITY CARD. EQUIFAX HAS YET TO REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CONSUMER FILE. I HAVE CALLED AND REQUESTED FOR THIS INFORMATION TO BE REMOVED. I WILL BE UPLOADING DOCUMENTATION AS PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm drafting this because I have contacted the credit bureaus and the creditors and informed them that I've been an identity theft victim and there were fraudulent accounts reported on my credit report. Thus far, XXXX hasn't removed the fraudulent charges from my credit report. I don't have time to contact XXXX every day because when I get them, their representative tells me that they will remove the fraudulent account from my credit report, and then they don't do it. Or they'll let me know we filed for a dispute, and when I call back to check on my argument, they tell me it was never filed. XXXX is the most untrustworthy credit bureau ever. They report fraudulent accounts and fraudulent information to the credit bureau. They break the law by not following proper dispute procedures. In addition, their employees act as lawyers and pretend to know how they can interpret the law, which is vastly illegal because they're not lawyers. I followed the proper procedure and informed them through an identity theft report that I filed with the Federal Trade Commission that states and identifies which accounts are fraudulent and must be removed from the credit report. They continuously disregard my request when I tell them to dispute the fraudulent accounts and remove them from my credit report. Therefore, they deserve the harshest fines and punishment due to committing and being part of the fraud themselves. Again, I'm not saying this to slander XXXX or the banks that opened fraudulent accounts under my name, Bank of America, and XXXX XXXX I'm merely stating that there are fraudulent accounts that must be removed 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 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Noticed a collections on my credit report around XX/XX/2023. Contacted company & requested all information pertaining to me & this debt. I did not receive any information. I kept receiving calls to collect debt & advised each time the debt was not mine & to please send any information to me concerning this debt. Around XX/XX/2023, I placed a fraud alert with the credit bureaus. I have no knowledge of this debt. I am a victim of identity theft. I have previously made a report about this company on other cfbp reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit 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: IL

Complaint narrative:
I noticed fraudulent activity on my card during XXXX during the lockdown period of the pandemic and called and reported in XXXX XXXX XXXX I worked with a representative and went through each statement in XXXX and we noticed a recurring charge I never purchased along with some in-store purchases I have not made. The total was for {$930.00} and the representative shared that the amount has been credits to my account and that I do not have to concern myself and that he also stopped payment from the XXXX vendors that I never approved purchases with ( XXXX XXXX, in person purchases at XXXX XXXX XXXX ). I have a history of my identity being stolen and fraudulent charges and the rep reassured that this has been resolved and I will be protected. The XXXX XXXX XXXX were purchases in XXXX and I live in Missouri at the time and was isolating due to the pandemic. In XX/XX/XXXX, all charges were placed back onto the my account and I was never notified by mail, email, or phone. I happened to be making a home purchase and I was informed if I contested again that our mortgage approval would be risked. So I had to wait until the purchase was completed all while undergoing a serious diagnosis during the year. When I called to follow up, there were representatives that said it was fraud and others said it was recovery team but there has been no consistency across the Chase representatives to resolve this and protect me from an identity thread history that continues to haunt me. I have been on time and make automatic payments and feel that the company seeks out customers who have auto payments from banks to sneak back fraudulent activity claims back on to unsuspecting customers. I did make purchases for childrens ' magazines but never purchases these other magazines. This is fraud and my credit card company did not protect me nor prevent the recurring charges as they committed to. I originally contested the charges at {$930.00} but the total is {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX is collecting behalf of XXXX. However, the XXXX account in question was a business account under an LLC. The service agreement attached names the LLC as the customer ; not myself. The bills ( also attached ) names the LLC. I was the manager on the account and NEVER once gave my personal SSN to XXXX 

The service agreement has LLC as the Customer and the bills also reflect that same account number. XXXX  requests an account manager which is what I was, which is why my name is on the bills ( not the service agreement ). The LLC was closed and the XXXX  was also closed. 

This remaining balance, T-Mobile claims, is inaccurate nor is it my PERSONAL responsibility to pay. XXXX has not put this " collection '' on all three of the credit reports which is wrong. I have disputed this three times with each bureau and no additional information was provided by XXXX. XXXX also never attended to reach out to me prior to putting this on my credit reports. 

Furthermore, these predatory and illegal practices is unacceptable. I don't know how XXXX or this collection agency got my SSN information when I never provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
AmSher is collecting behalf of XXXX. However, the XXXX  account in question was a business account under an LLC. The service agreement attached names the LLC as the customer ; not myself. The bills ( also attached ) names the LLC. I was the manager on the account and NEVER once gave my personal SSN to XXXX The service agreement has LLC as the Customer and the bills also reflect that same account number. XXXX requests an account manager which is what I was, which is why my name is on the bills ( not the service agreement ). 

The LLC was closed and the XXXX was also closed. This remaining balance, XXXX claims, is inaccurate nor is it my PERSONAL responsibility to pay. AmSher has not put this " collection '' on all three of the credit reports which is wrong. I have disputed this three times with each bureau and no additional information was provided by AmSher. AmSher also never attended to reach out to me prior to putting this on my credit reports.

Furthermore, these predatory and illegal practices is unacceptable. I don't know how XXXX or this collection agency got my SSN information when I never provided it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute an authorized hard inquiry that has appeared on my credit report on XX/XX/2023. While I did provide consent for the inquiry in question to get a car, I have reason to believe that I did not benefit from this inquiry as outlined by the Uniform Commercial Code ( UCC ) as I did NOT receive credit from this company. I kindly request that you investigate the circumstances surrounding this inquiry and take appropriate action to address my concerns. 
As a consumer, I understand that the UCC protects my rights during commercial transactions, including credit reporting. According to the UCC, an authorized hard inquiry should provide some form of benefit or advantage to the consumer. In this case, I believe that I did not receive any tangible benefit, service, or advantage from the party responsible for the hard inquiry, as required by the UCC. 
I have reviewed my credit report thoroughly and have found no evidence of any benefit or advantage resulting from this inquiry. It is crucial to note that the UCC requires a valid benefit or advantage in order for an authorized hard inquiry to be considered legitimate and compliant with the law. Please assist.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Im a victim of identity theft and I have been disputing for several months and they have ignored me although I have provided proof of identity theft and XXXX breach.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Im a victim of identity theft and I have been disputing for several months and they have ignored me although I have provided proof of identity theft and Equifax breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capio Partners, LLC
State: MO

Complaint narrative:
Capio Partners LLC ( XXXX, XXXX ) https : //capiopartners.com/ is making harassing and intimidating calls day and night. 
I have no idea what they want from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XXXX XXXX XXXX, I reached out to Equifax via mail to dispute inaccurate information that was contained within my credit report. I got no response from Equifax at the time and nothing was resolved. On XXXX XXXX XXXX I sent Equifax another letter, this time I sent it via Certified Mail. They are ignoring my letter and are sending me stall letters in return stating that they need me to send them a copy of my drivers license and social security card - THESE WERE ALREADY SUBMITTED WITH EACH OF MY PREVIOUS CORRESPONDENCES TO EQUIFAX. As of XXXX, they are still reporting all inaccurate information that was originally disputed- even though I have sent them PROOF that there exists an error on there part. They are willfully neglecting their duties as a credit reporting agency and data furnisher as described in FCRA Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
They have not provided any resolution until now. They still keep reporting the same invalid and inaccurate accounts over and over. They said it's verified but I don't think so. They have failed to communicate with the creditors regarding these accounts. AGAIN... These items should not be 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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have had a PNC credit card for years. It is set up for automatic payments. As far as I can remember, I have never missed a payment. today I tried to use the card, and it was declined. The card had not expired, according to the date on the card. I went to the website and saw nothing about the card being declined. I tried the chat rep ( XXXX XXXX ) and she said PNC had no record of a decline. Meanwhile, I noticed there were two accounts listed on the site, not the single account I was familar with it. One account was marked " closed '' but I never closed my account, nor did I apply for a new one. It appears PNC replaced my old card with a new one, for no evident reason. Worse, it appears they transferred the balance on the old card to the new card, which I never authorized. Worse still, they did not set up automatic payment on the new card, and it is now past due with finance charges. I never authorized this new card, nor did I receive notices or statements. It appears to me PNC is churning cards to force fake finance charges I was given no notice or warning of any of this, and XXXX XXXX could not or would not give me any information. She asked me to call ( XXXX ) XXXX. I tried that, but all I could get is a series of recorded advertisements. I tried to click through the ads, and the call was dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My spouse filed bankruptcy without me and without my knowledge. 
One account from XXXX XXXX is being reported unfairly as derogatory under my credit report with Experian. 
XXXX XXXX, after disputes and complaints, has even agreed that it should be removed. I have documentation that they have requested that the credit bureaus no longer report it. The other two do not have this account reported. Only Experian REFUSES to remove this account even after being provided evidence that XXXX XXXX agreed to remove it.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a card that doesnt belong to me. Ive sent numerous request for this information to be removed from h credit report. The address listed has never belonged to me nor have I ever stayed at the address on my report. I dont know if that address exist to be honest. Ive tried different ways to get this taken care of and it just keeps being reported inaccurately.

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 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
They keep send me the same auto message over and over and holding me from sending my securities

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IA

Complaint narrative:
Student loan was placed into administrative forbearance and is accruing interest. Previously was on the repaye plan and now on save. Both of which have reduced interests payments. Called to be placed on save and to start payments, but they are unable to process the plan. 

This is very frustrating and is accumulating over {$1000.00} of extra interest every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I DID CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE 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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
XX/XX/2023. I lost my job due to contracting COVID-19 since then I have been unemployed. I have no source of income currently. I informed AVANT of this information back in XXXX. The representative that I spoke with submitted a The representative that I spoke with submitted a waiver for the late fees, and a request for me to be on a hardship plan. On XX/XX/XXXX I received an email from AVANT stating that my late fee waiver request has been denied. Not only did they not waive my late fee, they also reported the late payments to my credit bureau. My credit score has dropped over 100 points. There's nothing that I can do about losing my job due to contracting COVID-19, this company is moving unethical and I would like this situation to be handled immediately my credit report needs to be fixed being that the law was passed specifically for consumers to protect us and that is my right I am protected from the cares act and 15 U.S. code 16812 ( F )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation