vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX CREDIT CARD HAS REPORTED THAT I WAS LATE 4 YEAR AGO AND 5 YEARS AGO ONCE. I PAID MINIMUM PAYMENT ON THIDS ACCOUNT AND ANY ACCOUNT WITH XXXX. I ASK FOR INVESTIGATION THROUGH FAIR CREDIT REPORTING ACT XXXX, XXXX AND XXXX. THEY BROKE DTATE AND FEDERAL LAWS BY NOT DOING INBESTIGATION RIGHT. I NEVER MISSED PAYMENTDS WITH XXXX XXXX CARDS. THEY NEED TO SHOW ME ALL THE SECTIONS ABOVE AND HOW THEY CAMR TO ONE LATE ACCOUNYT WHICH FOR FACT I PAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CA

Complaint narrative:
XXXX XXXX has been reporting a {$65.00} collection on my credit file for over 5 years. 
I disputed this account 5 times. XXXX sold me a defective phone for {$380.00} dollars Never fixed it. service was bad and I could not use the phone. I paid them in full Even I did not have too. XXXX is damaging my credit file along with XXXX  and trans Union not following the fair credit reporting law. I cant refinance my house because Of this collection on my credit file. There two choice I have XXXX to remove this collection I will sue XXXX for defective XXXX XXXX bad service and XXXX will Pay me back for damaging my credit for no valid reason. They owe me money.

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 2021-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has been reporting a {$65.00} collection on my credit file for over 5 years. 
I disputed this account 5 times. XXXX sold me a defective phone for {$380.00} dollars Never fixed it. service was bad and I could not use the phone. I paid them in full Even I did not have too. XXXX is damaging my credit file along with Experian and XXXX XXXX not following the fair credit reporting law. I cant refinance my house because Of this collection on my credit file. There two choice I have XXXX to remove this collection I will sue XXXX for defective XXXX XXXX bad service and XXXX will Pay me back for damaging my credit for no valid reason. They owe me money.

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 2021-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've contacted the consumer reporting agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave the consumer reporting agency any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts.

1. XXXX XXXX 2. XXXX XXXX  3. DEPT OF ED/XXXX  4. DEPT OF ED/XXXX  5. XXXX XXXX XXXX 6. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX  These accounts are individual actions, they must be delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX " XXXX '' from XXXX, along with this, I also acquired a protection plan named " XXXX XXXX, that replaces this unit in case of accidents. Few days later, I received a DEFECTIVE unit from XXXX. Clearly, this unit didnt fly due to software issues. I spent the following months trying to resolve this issue with the vendor, who keeps their contact information hidden to avoid written communication. 
Regardless of my multiple communications with XXXX, and despite the fact that XXXX verified that the drone didnt work, they insisted on trying to repair or replace my drone with a used unit. I rejected both options because I paid for a brand-new unit and not a refurbished one. I even contacted XXXX Head Quarters in XXXX directly. After months of calling XXXX, customer service started hanging the phone on me every time I called. 
In XX/XX/XXXX, I finally contacted my Credit Card ( Visa Chase ) requesting a full refund for this transaction. Sadly, the Credit Resolution team at Chase failed to understand the problem, and mistakenly processed this investigation as a returned product and rejected my claim. I immediately called Chase to explain the situation and provided copy of my communications with the vendors. I told Chase that the vendor sold a defective product, and I was requesting a refund. 
In XX/XX/XXXX, after 7 months of my claim, I received an mail from Chase saying that they couldnt prove my communication with the vendor and rejected my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: Credit Technology, Inc.
State: NY

Complaint narrative:
These accounts don't belong to me. please remove accounts : 1. Identity Theft CREDITTECH Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDIT TECHNOLOGY INC Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TN

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had bought my husband a wedding band back in XXXX and got my loan through Synchrony Bank. I was going to pay for it in cash, but they insisted that if we went through the loan process we would get some sort of discount on my purchase. So I went ahead and did it. I didn't get a lot of information from them on this loan, I just knew I was setup to make payments every month to pay off the ring that was setup for me. I have never missed a payment. 

My husband saw our account this week that we were still having monthly payments taken from our account from Synchrony Bank. We both thought that was weird because the ring should have been paid off a long time ago. I was worried we had some sort of a credit because we had overpaid on the account. 

I called Synchrony Bank XX/XX/XXXX and they said I still had a {$850.00} balance on my account. I was in shock because the ring I bought my husband was around this amount back when I bought it in XXXX. I was finally able to get someone on the phone after waiting forever. They explained to me that the automatic payments that had been setup for me did not payoff my loan within 24 months of buying the ring. They said my interest had started back in XXXX and I was completely unaware. So after that they charge an interest rate of 29.99 %. Which is crazy! He said that I had aquired over {$600.00} worth of interest and that is why my ring was not paid off. Even though we do not have this kind of extra money laying around, I went ahead and paid off the entire balance, so we do not continue getting robbed by this ridiculous interest rate. 

I just don't like how this was handled at all. I will never use Synchrony Bank for anymore purchases ever again.

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 2021-06-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alum Financial, LLC
State: NV

Complaint narrative:
I was called by Alum Financial a loan consolidation company that acts as a servicer for student loans as well. They told me I was approved for loan forgiveness of {$6000.00} on my consolidated loans from XXXX down to XXXX if I started making monthly payments of {$150.00}. I made a total of four payments to them none of which were reported to the Federal Student Aid or my appointed servicer XXXX  ( whom of which I just found out is my official servicer appointed to my by the FSA ). It still showed my total amount owed before I started making payments as still the same. I asked them where my money is going and they sent me a receipt for my payments while avoiding two of my questions. I contacted the Federal Student Aid as well as XXXX both whom which told me they had never heard of Alum Financial. I was also told by both companies to contact my bank and stop all payments to them. So I stopped making payments. I recently received an email from Alum Financial that stated this could damage my credit and and garnish my wages if I did not update my bank information. After contacting them about this matter they said my loan would be paid off after completing the XXXX payments I owe them. They threaten late fees and fines for missed payment and was told by the FSA that no official servicer would ever charge fees of fines. I don't feel comfortable sending them anymore money and I would prefer to work with my servicer that works with the Federal Student Aid office.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
My brand new vanilla visa gift card has been declined multiple times. I've tried calling to activate it but it keeps saying invalid. I've tried to activate it in stores by making a purchase but it gets declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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 — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
Two fraud charges made on my Google Pay account and were never removed when I reported these charges as fraud to Google. These charges were made on XX/XX/21 and XX/XX/21 and I was not refunded the {$270.00} and {$300.00}. I contacted Google after noticing these charges and no action has been taken to credit my account for these fraudulent charges. My bank card was removed from my Google Pay account and as of today no actions have been taken to reverse the fraudulent charges. The only actual purchases I made with Google Pay were the rental of two movies that cost {$2.00} and {$1.00}. After contacting Google they said my situation would be resolved by XX/XX/XXXX but I have yet to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 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: CT

Complaint narrative:
I have not receive any response from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft 05 XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I paid off my XXXX XXXX XXXX XXXX in XXXX XXXX XXXX loan ) I immediately contacted Wells Fargo ( The lender ) because I wanted to sell the vehicle. I was told the lien would be electronically released, and I would receive a paper title within 7-10 days.When that didn't happen, i called back, SEVERAL TIMES, after the 5-5th phone call, i asked to speak with a supervisor. After 2 more calls of being told a supervisor would call me back, I contacted my local XXXX. I was advised there is NO HOLDS on the vehicle except the lien from wells fargo, and all they have to do it release it. every time i call them, they give me a different reason why its not released ( none that are my issue ) for example, these are the reasons in order I've been given.

1. Because of Covid, the XXXX XXXX  department is backed up.

2. ( one week later ) because we moved from XXXX  state where it was purchased to XXXX  state when it was paid off, that the title is being held by XXXX state. 
so then i contacted XXXX  state, and they told me they do not have a title and have not since XXXX when we moved. 
3. then i was told they have attempted to release the hold 4 times, and it isn't their fault, that VA XXXX has a hold on it. 
of course i cant just walk into VA XXXX, so i mailed all the info to them, and I received a call from the XXXX rep at Va XXXX electronic XXXX department. she told me, there is NO LIEN on the vehicle except wells fargo, and if they are having issues all they have to do is call them and they can fix it. but she didnt see any reason why they would have an issue. 
4. i then called back and was told by another rep that it was some other issue related to their software, and she would have a manager contact me within 48 hours.

5. I waited one week, and today i was told that the title was in " XXXX XXXXXXXX '' and it was being held by XXXX  AGAIN, i called XXXX state back AGAIN and was told again that it was not true. 
6. so i called back again, ( 8 weeks now of these back to back calls ) and the rep was rude and nasty. she said now that it was an issue with Wa issuing a paper title to VA instead of them first, and that she was escalating the case ( same words I've heard 4 times now ) to a manager to fix it. 

i need to sell this vehicle, and can not without a title. i paid off the vehicle early just so i could sell it. i paid every payment early or on time, and i cant get a straight answer at all.

I have owned dealerships, and i have been the lienholder on 100 's of loans, and i know how easy it is to release a lien. so that is why i am so frustrated. all they have to do is literally log into dmv site for lien holders and click a lien release button.

I just want my title.

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 2021-06-24 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: GA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 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: Remex, Inc.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: Franklin Collection Service, Inc.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I called the company Regional Acceptance Corporation today. ( XXXX ). I was told to contact the credit bureau. The account was closed in XX/XX/. There is no balance, but it is showing on the credit report as negative.

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