vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2019 I ordered a product as advertised online through a seller using PayPal as the service to transact through. I captured the screenshots of the product ordered. The seller delivered something entirely different than the product I ordered. I opened a dispute with PayPal. I also contacted my Credit Card Company, XXXX XXXX  XXXX to alert them. I spent months going back and forth between the 2 companies. Finally, XXXX XXXX XXXX stated it would have to be resolved by PayPal as that's where the transaction originated. I also tried to contact the seller in order for him to send me the correct item. He refused stating what he sent was accurate which is totally false. I am including the email communication between myself and the seller. I reported it all to PayPal providing the email history between me and the seller actually proving what was sent was NOT what I ordered. 

PayPal is claiming they can not issue a refund to me because it is beyond 180 days and that I need to resolve through XXXX  XXXX XXXX. XXXX XXXX XXXX states I need to resolve through PayPal which I agree with as the seller clearly falsely advertised a product for sale. I would NEVER have purchase what was sent, ever. And I explained this to PayPal over and over again. Additionally I kept communicating with PayPal through their online messaging system to insure my dispute stayed open but they closed it anyway. 

I feel it is worth mentioning that 100 's if not 1000 's of PayPal customers are or have experienced the same issue with them. PayPal 's XXXX page is overloaded with upset customers posting complaints because they can not get the issues they are having resolved by PayPal. PayPal polices the XXXX page quickly blocking and deleting these complaints calling them " repetitive '' post when in all honesty its hard working people who only want PayPal to resolve their issue. I also have screenshots of PayPal warning me they would delete my posts and block me, which they have done. 

People need to be made aware of PayPal 's BAD business practices so they can stay far away from them. We need your help in exposing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Funding is representing that the debt has not been paid. Midland subcontracted the debt to XXXX XXXX and the account was settled. Midland then represents to the XXXX major bureaus that the account has not been paid. Midland also told me that the credit entry would be deleted once it was paid due to their policy that the debt was over 5 years old. The three credit bureaus are not investigating the disputes, they are simply saying that the debt was verified. Experian reported on XX/XX/XXXX that the debt exists. Contrary to the following : Congratulations, your Midland Funding LLC account is now settled! 

For your records, here are the details about your payment : On XX/XX/XXXX XXXX, you made a settlement payment of {$350.00}. You paid with a XXXX with last XXXX digits XXXX and expiration date XX/XX/XXXX. 
We are happy to confirm that this payment settles your balance with Midland Funding LLC. 

Provided that any payment you made is not returned unpaid, we will report to Midland Funding LLC that this account is settled and no further attempts will be made to collect on your account. 

Thanks for working with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Minimum payment met on Capital one credit cards ( please see attachments XXXX. 

-Called in and Capital one agreed to fix their mistake. Removed from credit report XX/XX/2020. However it popped back up on XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
On XXXX XX/XX/2020, I went to buy a car from XXXX XXXX in XXXX, SC. The car salesman and I agreed that my credit report was suppose to been pulled once but instead they did it 3 times. After finding out they just apologized but didnt want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I tried to link my bank account with this account. And I have been unable to Nothing has happened yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
LexisNexis is reporting a bankruptcy from the XXXX XXXX of Kentucky. I do not have a personal bankruptcy in the XXXX XXXX of Kentucky. The XXXX XXXX of Kentucky did not verify this information to LexisNexis and I have asked LexisNexis to freeze my all information regarding my name and personal information. XXXX, XXXX  and XXXX  can not verify a bankruptcy that does not exist and therefore violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: Global Lending Services LLC
State: SC

Complaint narrative:
On XXXX XX/XX/2020, I went to buy a car from XXXX XXXX in XXXX, SC. The car salesman and I agreed that my credit report was suppose to been pulled once but instead they did it 3 times. After finding out they just apologized but didnt want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX is reporting a bankruptcy from the XXXX XXXX of Kentucky. I do not have a personal bankruptcy in the XXXX XXXX of Kentucky. The XXXX XXXX of Kentucky did not verify this information to XXXX and I have asked XXXX to freeze my all information regarding my name and personal information. XXXX, XXXX  and Equifax can not verify a bankruptcy that does not exist and therefore violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a letter to Equifax asking them to remove my fraud alert 90 days ago and they still have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I am not able to make a payment through XXXX with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Since 2009 Capital One is saying I owe {$1000.00} in some account number ending in XXXX. The debt is not mine and Capital One can not verify I owe this money. 

I have asked for copies of bills and Capital One can not produce. 

Also Capital One is saying I also owe on some account # ending in XXXX in the amount of {$550.00}. 

I want this off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC perpetrates fraud and anti-trust laws when they refuse and neglect to correct their systems to allow customers to use XXXX XXXX XXXX. It's a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Can't use XXXX anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I have XXXX membership points has removed by American express, I tried to call them around XX/XX/XXXX, a customer service representative told me will give me an answer within 10 business days, but till now I haven't received any phone call or email from American Express explaining why the points has been deducted. So please help me with that, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: VA

Complaint narrative:
Minimum payment met on XXXX XXXX credit cards ( please see attachments ). 

-Called in and XXXX XXXX agreed to fix their mistake. Removed from credit report XX/XX/2020. However it popped back up on TransUnion XX/XX/2020

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 2020-07-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Dept of Economic Security in AZ seized my funds from my B of A Debit Card and then closed my account illegally. These were my legally paid UI Benefits which were deposited onto a debit card in my name. This is a private account. I was not given notice of this forthcoming transaction, nor told anything about it by the agency or credit card company. 
I discovered the information through a posting on XXXX! I had my account ZEORED out after having this account for almost 2 months! Regaining the funds has taken me 10 days of calls, emails, letters, tweets, XXXX posts, complaints, and sleepless anxiety stricken nights. B of A and D. E. S caused undue hardship towards myself and thousands of others. We have been left to fend for ourselves as the phone lines & emails remain a revolving door of prescribed letters and robot answering systems. They must be held accountable and publicly apologize and compensate those of us damaged by their willfully dismissive actions. Dept. of Econ Sec in Arizona needs to fire management!

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 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My debit card wasnt working so I called my bank they informed me the my account was being closed. I said for what they wouldnt tell me and I said what about my momey thats in my account they didnt answer the question. But I was still getting text from the bank about my balance. So I have not been able to get any of my money thats in my account XXXX cant put gas in my truck get food nothing. They said I would receive a letter in the mail. But would not answer me about my money. And apparently I received a deposit because my balance went up. So if my name account is closed why are they excepting deposits

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 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Due to Covid 19, I have had problems making my payments on time for the past 3 months. Prior to this I have made my payments on time since I've had my 2 accounts with Capital1. I called and asked to have 3 months late charges removed. I was told by XXXX that he could only erase 1 late payment and that I would have to pay for XXXX and XXXX because after the XXXX of the month it goes into the next billing cycle. I told him I received a forbearance for XXXX. He at first insisted I pay 2 months. He sounded like a robot with not a ounce of empathy in his voice. I felt harassed so I said okay. He then said well if you can pay for 2 months why did you need a forbearance? I explained that because you have my arms tied behind my back I will have to go pretty much without eating in XXXX. He said I'm not harassing you but that's how I felt. He had me in tears trying to explain that I'm taking care of my twin sister XXXX who is in very poor health in addition to my XXXX year old father. He finally gave me a forbearance for XXXX. I told him I would like to file a complaint and requested the information to do so. He refused to give me the complaint dept and told me to look it up online. I was under the impression that he was obligated to give me the information to file a complaint? I have always been in good standing with Cap 1 until now. I was very concerned if these delayed payments was going to be on my credit report and he said he didn't know. I eould just have to wait and see. He is lacking big time in customer service skills and needs additional training on how to treat Capital 1 customers. I am going through some very difficult times and was really shaken up by this young man. I am XXXX yrs old and am experiencing XXXX XXXX behind this terrible phone call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-25 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: TX

Complaint narrative:
FTC Violations Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Box XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX State Highway XXXX XXXX XXXX, TX XXXX SANTANDER {$5600.00} XXXX {$0.00} RISE {$0.00} XXXX XXXX XXXX SPEEDY CASH {$1300.00} CREDIT XXXX PROGRESSIVE {$120.00} XXXX XXXX XXXX XXXX COMENITY BANK {$590.00} WAKEFIELD/EMERGENCY SERVICES OF TEXAS {$2500.00} CONSUMER ADJUSTMENT COMPANY/CHECK XXXX GO {$1200.00} CONSUMER ADJUSTMENT COMPANY/MONEY KEY {$110.00} CCS COLLECTIONS/PROGRESSIVE {$120.00} RMA XXXX XXXX XXXX XXXX {$26.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: OK

Complaint narrative:
On XX/XX/2020 I received an account statement from the original creditor. On XX/XX/2020 the original creditor cashed a partial payment. On XX/XX/2020 I received a collection letter from a collection company. On XX/XX/2020 I mailed a request to verify the debt when the amount on the collection letter did not match the account statement I received from the original creditor. In my request letter I included a copy of the check cashed by the original creditor. I also included a check which satisfied the remaining balance. The check was cashed by the collection agency I did not receive verification of the debt, but instead received an additional collection letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: TX

Complaint narrative:
FTC Violations Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Box XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX State Highway XXXX XXXX XXXX, TX XXXX SANTANDER {$5600.00} XXXX {$0.00} RISE {$0.00} XXXX XXXX XXXX SPEEDY CASH {$1300.00} CREDIT XXXX PROGRESSIVE {$120.00} XXXX XXXX XXXX XXXX COMENITY BANK {$590.00} WAKEFIELD/EMERGENCY SERVICES OF TEXAS {$2500.00} CONSUMER ADJUSTMENT COMPANY/CHECK XXXX GO {$1200.00} CONSUMER ADJUSTMENT COMPANY/MONEY KEY {$110.00} CCS COLLECTIONS/PROGRESSIVE {$120.00} RMA XXXX XXXX XXXX XXXX {$26.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: TX

Complaint narrative:
FTC Violations Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Box XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX State Highway XXXX XXXX XXXX, TX XXXX SANTANDER {$5600.00} XXXX {$0.00} RISE {$0.00} XXXX XXXX XXXX SPEEDY CASH {$1300.00} CREDIT XXXX PROGRESSIVE {$120.00} XXXX XXXX XXXX XXXX COMENITY BANK {$590.00} WAKEFIELD/EMERGENCY SERVICES OF TEXAS {$2500.00} CONSUMER ADJUSTMENT COMPANY/CHECK XXXX GO {$1200.00} CONSUMER ADJUSTMENT COMPANY/MONEY KEY {$110.00} CCS COLLECTIONS/PROGRESSIVE {$120.00} RMA XXXX XXXX XXXX XXXX {$26.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was a day late on payment and assessed a late fee by CBNA Home Depot credit card service. I notified Citibank about the payment and asked for them to waive the late payment fee as a gesture of customer good will since I was a long time customer with no payment issues previously. 

They refused to waive the fee. I paid the balance minus the late fee and closed the account. However, Citibank continues to assess late payment fees and interest on the account 3 months later. 

They have sent to collections and reported to the credit agencies. 

Wow!

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 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Apparently PNC has stopped allowing their bank accounts to be connected to XXXX. This renders XXXX virtually useless for me since I can no longer transfer funds to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC has not allowed me to link my account with XXXX  money transfer in order to pay my remote virtual assistant for her completed work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: NY

Complaint narrative:
Transunion and XXXX  continue to report a derogatory account on my credit file of a company called XXXX XXXX XXXX. There is no payment history, no date of default and the balance owed and account balance show inconsistent amounts. I have reached out to XXXX XXXX XXXXXXXX and informed them that I did not open this account and to submit proof of application. They just sent me a computerized bill and refuse to send me the contractual obligation. Transunion and XXXX  just keep reporting the account as verified but refuse to furnish the method of verification. I was successful in having the account removed from my XXXX  profile for lack of proof of ownership ; however, Transunion and XXXX  have been noncompliant. I would like to file a complaint against Transunion and XXXX  for illegally reporting inaccurate and derogatory information on my credit profile and their refusal to comply with demand for verification of reported account of XXXX XXXX XXXX ; and XXXX XXXX XXXX for lack of diligence in helping resolve this serious issue.

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