vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
I disputed a charge for {$250.00} for a merchant that DID NOT provide the services I asked of them. After a back and forth with them and unnecessary stress, I contacted Chime for the dispute. I also provided them proof that my vehicle was NOT fixed and they told me I had to wait til XX/XX/XXXX to maybe get my money back. If I am paying a merchant to provide a service and they do not and give proof to my bank that they did not do said services, why do I have to wait THREE MONTHS to MAYBE get my money back? That makes ZERO sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP
State: IL

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Additionally, please be advised if Capital Management Services , LP has or continues to report invalidated information to any of the three major credit agencies ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. As such, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for violating the FDCPA and defamation of character.

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 2021-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/2019, I made a payment to a XXXX vendor through PayPal. It was an established account I had already been paying for years. My credit card was charged but the funds were never transferred. I contacted PayPal. They assured me nothing was wrong, sometimes some payments are placed under administrative review, and that I should feel confident to continue making payments to the account. 

I made a total of six payments over the month, totalling over {$27000.00}. During that time, I contacted PayPal a couple more times. Each time they assured me the payments would be processed and that they didn't see any issues with the account. 

After a month, I stopped sending more payments but continued to contact PayPal. They told me it sometimes takes up to six months for compliance to review a payment. After six months, they asked me to be patient and said there was no timeline for a compliance review. 

I submitted a complaint to the New York Attorney General 's office. PayPal responded by declaring my transactions were flagged as an OFAC violation but they wouldn't give me any information regarding the violation or how to challenge the allegation. 

Recently, I inquired as to the status of the funds. PayPal insisted they had already refunded me the money in the XXXX, XXXX. They even marked my transactions as refunded and informed my vendor that the funds had been refunded. It was all a big lie. The funds were never refunded. 

I requested documentation showing the funds had been returned to me. PayPal refused. I contacted my credit card company ( XXXX XXXX ), who told me any refunds would have appeared on my statements and there are no refunds from PayPal. 

I believe PayPal lied about the OFAC violations. They deceived me into sending additional funds to an account they had already flagged. They lied to me ( and continue to lie ) about the status of the funds. They defamed me by falsely informing my vendor that the funds had been refunded to me. 

This has continued for over two and a half years and they still insist on lying to me about the status of the funds. This is grand larceny. PayPal has stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a text message saying that my Bank of America credit request has been approved. I did not apply for a credit request. I looked at my account online and there was a suspicious email that was not mine. I deleted the email in my account profile. I called Bank of America and I had two accounts in my name ( I do have one account with that company. ) Bank of America put a stop or freeze on the unauthorized account and informed me to cut up the credit card when it arrives in the mail. I was informed that no charges have been made on the account.

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 2021-10-28 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 — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
to whom it may concern. 
on XX/XX/XXXX, i purchased an Item from XXXX : {$140.00}, and the purchased was canceled, then on the XX/XX/XXXX the full amount of {$140.00} was credit back to my discover card end : XXXX this was showing on my discover account website. but on XX/XX/XXXX the discover posted the temporary an investigate pending amount {$140.00}??? why be cause the XXXX already credit & refund it back to my account on XX/XX/XXXX. now the discover card said I OWE {$140.00} back from XX/XX/XXXX as it said reversal on my account ' however it post as XXXX transaction {$140.00} ON XXXX?? WHY NOW?. From XXXX XX/XX/XXXX all my account statement never posted any amount {$140.00}, until now XXXX?? DOES THIS ACTED comply with the '' BUSINESS & PROFESSIONAL CODES ''? 
- Please be kind to fully investigate this matter, to ensure it won't happen to any consumer. 
BEST REGARDS XXXX XXXX CELL # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: MS

Complaint narrative:
I was without insurance because I took care of my mother for 12 years before I started back to work. I wasn't given an option or notified about the debt. I didn't even get a collection calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: FL

Complaint narrative:
My account was limited for 180 days and receive an email telling me I ca now withraw my money 2 weeks ago but am finding it hard to link a new card or bank account to withdraw my funds..It always day card declined and my bank account will say plz contact PayPal support for help..I called PayPal but they themselves don't know why PayPal is blocking my cards..They told me to wait for 72 hours..I have that and still having the same issue..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
I am a FEDLOAN Servicing customer applying for my student loans to be forgiven under the Public Service Loan Forgiveness program. I have been advised conflicting information by several representatives during the course of me submitting my application. Most recently, I recently correspondence on XX/XX/2021 from FEDLOAN after a representative from FEDLOAN explicitly advise me to submit another application for forgiveness on XX/XX/2021, stating that " NOT ELIGIBLE : You or your employer signed the PSLF Form before you made your 120th qualifying payment. You must make your 120th qualifying payment before you submit your form. Since it looks like you have since made your 120th qualifying payment, you can now apply for forgiveness. Complete and return an updated PSLF Form. Make sure you and your employer sign and date the form in Sections 2 and 4 with the current date. On this same date I received correspondence stating " You're eligible for forgiveness Congratulations, you made 120 qualifying payments on 2 of your 2 loans. Unless you have requested a forbearance, you should continue to make payments until you receive confirmation of forgiveness '' I resubmitted my application as advised using the current date, which was XX/XX/2021 only to be advised by another FEDLOAN customer service representative that I would need to submit another application dated on or after my billing due date, which is XX/XX/2021.I have submitted that information again today. However, after fighting with FEDLOAN for years to have many of my qualifying payments acknowledged I do not feel confident that my application will be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: OH

Complaint narrative:
ok.. @ nelnet has been sending me the same letters over a XXXX student loan that amounts to like {$4000.00} tht ive lived in poverty most of my life and could not repay so now this {$4000.00} loan from XXXX has ballooned to {$40000.00} they claim in repetitive letters.. and then they say i can have this discharged by sending letters of disaability ( which i have sent proof ) every time im on ssdi and have been for over 25 years living on {$790.00} a month.. when i send it then they say i have to have a doctors proof as well.! they wont stopp harrassing me! letter after letter.. last one was sent on XX/XX/XXXX, XXXX they keep saying wage garnishment may take pplace! i need help with this it is ridiculous..it was a XXXX XXXX SUBSIDIZED LOAN XX/XX/XXXX XX/XX/XXXX THEY JUST WONT STOP IT IS XXXX! AND THEY KKEEP ON NO MATTER HOW MUCH PROOF SEND THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2021 my sister sent me money through our chase banks. She sent me too much so I was trying to send it back to her. Apparently the account being open on XX/XX/2021 was a problem for Chase bank as I was new and made too many attempts to send the money so they locked my account. I contacted the bank on the morning of XX/XX/XXXX to have my account open so I can pay my bills including my rent. In the 11 years that I am living here I have never been late this will be the first time. So I was asked some security questions which I answered correctly on my end. The issue was when the XXXX XXXX address came up I said I never lived there which I didnt my brother did. This was supposed to be removed from my account. Even after explaining that I never lived there they refuse to release the freeze and I am told now I need to wait for my debit card to come so by the time I get the card in the mail all of my bills will be late. All because I told the truth about not living on XXXX XXXX. At the time my brother lived on XXXX I was residing on XXXX XXXX XXXX XXXX I have been on the phone since XXXX it is now XXXX XXXX and nothing has been resolved I even offered to send them photo id and ssi card I was told that wont work. They kept telling me I need to go to a local branch and I keep telling them I dont have one so again their solution is go to a local branch. I offered them the tracking number to my debit card and they again said that wont work All I know is I answered the questions correctly and the one customer rep said I did yet they refuse to release the hold

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax and XXXX Scheduled payment amount reported by EQUIFAX and XXXX is incorrect and according to FCRA should be corrected and updated. I have documented proof but EQUIFAX and XXXX will not allow me to upload the documents online. Equifax and XXXX is stating that my monthly scheduled payment is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payment and EQUIFAX and XXXX refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving XXXX AND EQUIFAX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at EQUIFAX and XXXX even though they used to show the correct amount on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
On XX/XX/2021 I Reached Out To Acima Credit XXXX XXXX About Accoun XXXX That Has Been Damaging to my credit report I asked for a debt validation I asked Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -License proof to collect debts in my state I have not received any documentation or any response it has been over 30 days since the letter was mailed and I stated in my letter a sign of silence is a sign of guilt and I need this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: FL

Complaint narrative:
In early XXXX I sent a letter to XXXX XXXX XXXX XXXX asking for validation and verification. They have not done that to this date far beyond the allowed time frame. I notified reporting bureaus of failure to validate and when told by reporting agencies the account was valid I asked for proof of validity/ method of verification in XXXX. They have not done this to this date, way past the time allocated. I put in a complaint about this yesterday, the account is not valid, and violates the time restraints outlined in the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

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 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I got a notification from capital one that I have {$4800.00} available for withdrawal in my account following the notification I transfer those funds into my other capital one savings account. Then i received an email this morning that there is some unusual activities on my checking account where I received the initial amount of {$4800.00} in the first place. and when I tried to open and access my checking and saving account accounts I saw both account were restricted by capital one and my checking account went from XXXX to - {$4800.00}. I called the capital one on the number they have provided me XXXX with Ref:XXXX they keep giving me a run around and hanging up on me instead of helping me resolve this issue while at the same time the negative balance capital one is trying to charge interest on that account while I was asking them to simply take the balance from saving account that I withdrew when I first received the notification of available funds and deposit back to checking account but they are not helping me to do so. They are asking for my wife 's information as according to them the amount that came in was under her name. All the information that me and my wife are giving to them they are denying that it is us. My question to them is if once the amount was issued on my account there was processing time for them to verify if the coming fund from the account where is coming from is genuine or not as according to them it came from a closed account. They processed it saying it's available for me to withdraw and now that close account did the reversal on my account in the same amount and they gave the money back to them putting my account into a negative amount of - {$4800.00}. Instead of doing investigation on this fraud they release the funds to the scammer and jeopardize my account into a negative balance and now asking me for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2021-10-28 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:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I looked at my XXXX credit inquiries and noticed an AMEX inquiry created on XX/XX/2021 for an application of new credit. I Immediately on XX/XX/2021 put a Fraud Alert and froze all 3 of my credit companies ( XXXX XXXX, XXXX, XXXX ). This morning on XX/XX/2021 I had AMEX search their system for an application with my phone number and SSN #. The wrong phone number was attached to a credit application with my SSN, this application was marked as fraud and the request was rejected/deleted from their system along with a request to remove the inquiry from my credit score. 

A second credit opening request was made at XXXX XXXX on XX/XX/2021 and this was marked as fraud without my knowledge and removed from my credit score. Location of the bank is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX was called and they too marked this as fraud in their system. All of this occurred without my knowledge and I was informed of the process by XXXX XXXX on XX/XX/2021 As I said my credit is now frozen because someone is making numerous, and very recent attempts to take credit out in my name. The only incident that stands out for when/where my social may have been leaked is through the Texas XXXX site after requesting a change of address on my drivers licence. That request was placed on XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I files a Complaint # XXXX with CFPB against Equifax for incorrectly reporting an alleged Bankruptcy Case # XXXX ( XXXX ) dated XXXX, XXXX on my personal credit report. Equifax has responded back with false information verified being false by the attached document provided directly by the 3rd Party vendor, XXXX, that they use to provide them with the reported information as the US Bankruptcy Court does not report nor verify directly any Bankruptcy proceedings. On the same dated I also filed Complaint # XXXX against XXXX for them supplying that information as the 3rd Party vendor to Equifax. Equifax responded back claiming that they verified the Bankruptcy information as correct with XXXX. However as documentation directly from XXXX dated XX/XX/XXXX clearly states they removed the incorrect reporting of Bankruptcy # XXXX from their files related to me and verified that they are no longer showing any bankruptcy in my name.

Company response to consumer: Closed with explanation