vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My name is XXXX XXXX, I am a Paypal user with email address XXXX I was using my PayPal account very well before Paypal decided to put a restrictions on it and asked me to provide the necessary documents for them to unblock my account.

I successfully provided these information and PayPal said they would review my information and unlock my account within XXXX business day ; but unfortunately it is more than XXXX weeks and PayPal has not resolved my issue.

The account impact of this issue has really affected me.

I would want PayPal to resolve my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC/ Resurgent Capital services are attempting to collect a debt I do not owe them, I have no contract with either party. The alleged debt has not being validated and proper documents have not been produced with any wet signatures with both parties signatures on any contract. 

I have not given the debt collector permission to contact me which is FDCPA LAW 15 USC 1692c ( a ) have the debt collector provide each and every requested document asked for on the attached statement. thank you

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 — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Took advantage of a balance transfer offer with XXXX for $ XXXX on XX/XX/XXXX. As of XX/XX/XXXX check was not received by XXXX XXXX. Called in and XXXX did not know where the check was, and sent it to an unknown address that they said was not the correct one. Issued another check after I confirmed the correct address but will take another 15 + days where I have to pay interest, and my credit score is negatively effected. Will not provide tracking for new check or recognize error, and now I have an extra XXXX sitting in one of my accounts. Will not provide ANY concession for their error. Now I have an extra $ XXXX of credit usage effecting my score, and have to continue to pay interest.

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: AL

Complaint narrative:
XXXX XXXX is the company I went to the company back in XXXX of XXXX took my police report sent in my driver 's license and social security card signed papers with my signature got documents notarized and took all the proper documents back to the company its been 3 months and no action has been taken from this company about this fraudulent account the amount {$3300.00} this account has been opened on my credit report since XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
I have received a few phone calls from Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX Online Phone number is XXXX Asking if I have a debt or have cosigned a debt with XXXX ( I have never owned, financed or cosigned anything with XXXX ). I have not Financed a cars since XXXX  and it through XXXX. I have never cosigned for anyone ever. 

They start out asking that I verify my birthday to see if the debt is mine- I have arugued that tehy are not supposed to ask for Non Public Information ( NPI ) over the phone the that it is my understanding that all requests fro NPI is to made by mail. 

I told this to the rep and stated that it seems that they are Phishing for info and the rep states that they must verify my identity in order to send me or provide me any info on the debt - such as when it was opened, for how much, the status and amount owed now. 

Upon giving me an address in XXXX he tells me that I can not go to the office they only deal over the phone. 

I did look them up online and appears this complaint is very common if it was in fact truly the same company. 

Credit Control , LLC XXXX XXXX XXXX XXXX XXXX MAIL Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX The XXXX address provided when I looked up on USPS does not exist XXXX XXXX XXXX XXXX XXXX, FL XXXX Also, I did just pull my credit report today at XXXX and verified not only that I have no debt to XXXX but also that I have no inquiries with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: EdFinancial Services
State: NC

Complaint narrative:
I registered for Auto Pay on XXXX XXXX XXXX. I received a confirmation email that gave me an estimated start date for auto pay to begin of XXXX XXXXXXXX XXXX. On XXXX XXXX XXXX  the auto pay did not happen. This was on a weekend, and the EdFinancial website stated that it could take a few days to reflect the payment processing. I waited a week, and the payment was still not updating. I have tried calling multiple times and have had multiple hours long waits to be disconnected as soon as I apparently reach someone. I have tried emailing them as well only to receive no answer to my emails. After waiting a week. I just made the payment manually, but now EdFinancial is reporting it as a late payment. I then re-registered for Auto Pay with a new estimated start date of XXXX XXXX XXXX. My account still is not showing that Auto Pay has been set up, and I do not believe that my payment will be deducted when it is supposed to be which will result in another late payment.

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 was paid
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
As you can see from the attached documents, this account has been paid and as requested and state by the company should be deleted from my credit report on all 3 reporting agencies. As you can also see, it has not been deleted and additionally will be reporting until XX/XX/2028! This is exorbitant and malicious abuse that will continue to hurt my credit and my ability to achieve my inalienable rights. Why the additional punish of 4 years? Plus, I recently came back to XXXX as a customer! They were most unhelpful. Please have them remove this negative reporting. 
Regards, XXXX XXXX XXXX XXXX

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 — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
In XXXX of XXXX, I contacted Aidvantage to see what I had to do to resume my payments. When it was XXXX, I had to temporarily halt my payments. I tried to resume, and Aidvantage ( over the phone ) told me to wait until XXXX. I called in XXXX and asked what the payment amount would be, and they said they were waiting for government information. In XXXX, I obtained a job at a {$6.00} per hour pay cut, and requested a look at my repayment plan based on my changed income. I applied twice on line - I kept getting texts that my payments would be nearly {$200.00} a month, which I can't afford at this time. I called in late XXXX and was told it would be {$99.00} a month. This week, I received a text that my payment of nearly {$200.00} was due XX/XX/XXXX. I again applied for an evaluation based on pay, with no response. I tried calling today ( XX/XX/XXXX ), and reached a message saying their office was temporarily closed and no date of reopening was available at this time. I also tried to schedule a callback on their website, and all of their dates and times are blacked out. The dept of Ed had no knowledge of this and could not tell me what I could do. I will be officially defaulted on XX/XX/XXXX. I do not feel comfortable sending a company money that I can not contact.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX, I sent a notification to the credit bureaus to review my report and found erroneous information even in my personal information. According to my knowledge, this can not be the case, since the bureaus must be accurate. On their website they indicate that to resolve any inconsistency you could send disputes to their offices, which I have been doing and have not received a single response.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
On XX/XX/XXXX, I sent a notification to the credit bureaus to review my report and found erroneous information even in my personal information. According to my knowledge, this can not be the case, since the bureaus must be accurate. On their website they indicate that to resolve any inconsistency you could send disputes to their offices, which I have been doing and have not received a single response.

Company response to consumer: Closed with non-monetary relief
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: EdFinancial Services
State: DC

Complaint narrative:
I repeatedly made attempts to enroll in auto pay but EdFinancial continues to ignore the request. At one point auto pay was turned on but then turned back off before my payment was due, forcing me to make a one time payment. Because they refuse to enroll me in auto-pay, I lose out on 0.25 % savings on my interest rate. There are many others who seem to be having the same issue with EdFinancial. 

Attached is my proof of requests to enroll in auto pay, and EdFinancial 's lack of setting it up. 


1. XX/XX/2023 - First request to enroll in auto pay 2. XX/XX/2023 Statement says auto pay is not enrolled. 
3. XX/XX/2023 Statement still says I am not enrolled in auto payment. 
4. XX/XX/2023 second attempt to request auto pay. 
5. XX/XX/2023 third attempt to request auto pay. 
6. XX/XX/2023 fourth attempt to request auto pay. 
7. XX/XX/2023 Submitted contact form on website to document my request of why my auto pay was turned on briefly and then turned back off. 
8. XX/XX/2023 XXXX of Ed Financial site that shows I still do not have autopay turned on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
first, I did not apply for a Sams Club credit card. I was shopping at Sams Club, when I was at the register the cashier says to me that I was approved for a XXXX credit limit. I accepted. I spent about XXXX dollars. After that I had not spent any more just made the payments on it every month.I received the credit limit XX/XX/2023 and they took it down to XXXX dollars in XX/XX/2023. The reason I was told that not because I didnt pay them, but because I dont have enough credit limit on my cedit and I have imperfections on my Credit score. 
And also I paid on time, but since the payment does not post for a couple of days that made me late. I did not find this out until I spoke with someone at Sam Club.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LoanCare, LLC
State: AL

Complaint narrative:
I requested a payoff that was good through XX/XX/XXXX -- -funds were received in the total amount. I was in a hurry to pay off because the loan was to be transferred. The funds cleared my account XX/XX/XXXX. The amount of the full payoff was included and cleared before the payoff expired. 
A principal amount of {$83.00} was still showing. Someone was supposed to call me back several times but never sent a resolution. From the payment history, it appeared they deducted the {$83.00} from my escrow and zeroed the balance. However, I called to check today and the balance that was paid was transferred to the new servicer. I feel like my complaints are falling on deaf ears. 
Complaint on new servicer coming soon! 
Thanks,

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 — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On my Chase Sapphire Reserve card there was a promotion offering to receive a 30 % bonus when transferring my Chase Ultimate Rewards points to XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I transferred XXXX points on XX/XX/XXXX, the start of the promo, but never recieves the XXXX bonus points from that specific transaction in my XXXX XXXX account. Per terms of the promotion : Receive a 30 % bonus when you transfer Ultimate Rewards points to XXXX XXXX XXXX XXXX. 
The promotion is valid through XX/XX/2023, at XXXX XXXX. 
Transfers may take up to XXXX  days. 

XXXX XXXX explicitly are stating they are not responsible for the XXXX bonus points from the 30 % promotion and that XXXX points should be from Chase. Chase insisted to contact XXXX XXXX regarding my missing points.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
Evening if XXXX, called stating I want proof they own a debt beyond a statement. Was told I could not receive that. 

I was asked if I would be okay with communication via text or phone call. I stated Absolutely not. 

XXXX received text with Welcome! You'll receive msgs from Resurgent Debt Collector. 
msgs varies by acct/pref Msg & DataRatesMayApply STOP to optout HELP for info. 
XXXX & XXXX 's : XXXX XXXX received text with Resurgent Debt Collector : We need to speak to you regarding your account. Log in at XXXX or call XXXX. To optout reply STOP Company is resurgent capital or lvnv funding

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: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a Chase XXXX card for a few years. I called to close the account in XXXX. They told me the account was closed, and I destroyed the card. In XXXX they charged me an annual fee, and they just withdrew the fee amount from my checking account today. 

I called to complain. The customer service rep said she could not explain why the account was not closed in XXXX, though she saw that I requested to close it. She said there was no way to get the annual fee money refunded to me before XXXX. She said it would be refunded to my credit card account ( which is no longer in use ) in 2 billing cycles. I would have to periodically check the website to see if the refund posted, then file special paperwork with Chase to request that the balance in my account be sent by check to my house. 

Feels like a good system to skim extra fees off customers who aren't willing to put in extraordinary efforts to protect themselves and their money. I'm not sure if it's a pattern, but reporting in case it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: AZ

Complaint narrative:
App in question has failed on every attempt for any customer service maliciously having under qualified CSR to handle repeated problems with account, fees ARE NOT CLEARLY MARKED IN ANY STATEMENT and one is left between the frustration of customer service thats worse than a bot, and the knowledge youre never resolving your issue. On XX/XX/23 woke up to a negative amount with nothing on my history and had to reach out to customer service to find out why, a vendor had refunded than took back some of the money they also took a late fee for this issue and the service rep was like talking to a wall im assuming due to a language barrier that allows for nothing to get resolved, this happened earlier in the year as well when i had a scam issue with a XXXX XXXX  and they also where of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
For the pass three years XXXX other XXXX XXXX including myself open accounts with chase along with XXXX XXXX XXXX apart of the XXXX XXXX to see why XXXX XXXX accounts are quick to be closed for maybe a returned item, low deposit and denied a line of credit or credit cards. Where as the XXXX XXXX XXXX have had over the pass three years numerous of return item 's and accounts are still open and was issued a XXXX line of credit. Whereas, there have been numerous times small business XXXX XXXX  tries ti get a line of credit and denied just because the XXXX of their skin. There are different dates that our accounts have been closed and denied and sent letters of rejection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Vehicle loan or lease — Loan
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: NY

Complaint narrative:
This complaint is against Hyundai Motor Finance. On XX/XX/, the loan for my car was paid in full. Statement as well as account history indicates that. But till date a title has not been sent to me. I have now moved to a different state and unable to register the car in this new state as I am not able to show proof of ownership.

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