vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/XXXX I received a notice from PayPal that I had authorized a payment to XXXX XXXX in the amount of {$59.00}. I immediately disputed this charge as unauthorized, as on XX/XX/XXXX I had filed a claim for the same amount ( {$59.00} ) for the same merchant. As I had previously filed a claim against this merchant, It was my reasonable understanding no further charges or reoccurring billing would be allowed by this merchant. I did not receive any products or services from XXXX XXXX within the last two years, and in XX/XX/XXXX the merchant did not respond to myself or PayPal for resolution to the XX/XX/XXXX case. I do not understand why I was automatically charged {$59.00} exactly 1 year later and that there was not an administrative or technical control in place to prevent the automated transfer of funds from my debit card to XXXX XXXX when I had previously proved to PayPal I was not in receipt for any products or services offered by XXXX XXXX. I initiated a claim in PayPal resolution center for unauthorized charge on XX/XX/XXXX at XXXX EDT. I received an email that my claim was denied and closed on XX/XX/XXXX at XXXX EDT ( exactly 4 hours later ). At XXXX XXXX EDT I attempted to logon to PayPal and begin another claim. I was not able to proceed, as PayPal blocked this action, informing me I had 'already filed a claim for this purchase '. Additionally, the claims history in PayPal did not contain the historical information for my claim I had issued on XX/XX/XXXX which caused me to have to login to my email server and retrieve the historical documentation of the previous claim to the same merchant, placing the burden of proof on myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: SC

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit ( XXXX ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-09-20 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: DISCOVER BANK
State: OH

Complaint narrative:
I sent a letter to discover financial services about an account that they are reporting on my credit report that I have no recollection of on XX/XX/2019 i had an affidavit signed and mailed to discover financial about the account ending in # XXXX on XX/XX/2019. I still have not got a response from discover financial only update i seen on my credit report was that the account was charged off instead of being deleted I will attach proof of the date my affidavit was created and also that the account was charged off instead of deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019 an ATM at my local XXXX, Florida branch jammed 2 of  the checks I was depositing. I informed the branch teller who said they would taken out later that day and credited to my account. As multiple deposits were made I need to know the amounts of the checks and who they were from as this machine usually provides a copy. It has now been almost 2 weeks and the bank will not tell me any information except they are working on it. When I call the branch they no longer answer the phone and when you call the general service number you get transfered from person to person and they just tell you to be patient. I would think they should have some accountability. They have the check and they should tell me how much it was for and who it was from so I can credit the proper tenant who gave it to me. Chase bank seems to have no concern about the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: PA

Complaint narrative:
My credit report currently shows 2 charged off accounts from XXXX XXXX XXXX. They were both included in my Chapter XXXX Bankruptcy filing on XX/XX/XXXX and subsequently discharged on XX/XX/XXXX. I have numerous times disputed the fact that they are not reporting correctly. Per my bankruptcy attorney they should be reporting Closed, {$0.00} balance, discharged in chapter XXXX bankruptcy. Instead they are reporting as as a collect/chargoff and transferred to another lender. I've provided proof of my filing and discharge. I've reached out to both the company and the credit bureau. The credit bureau continues to find that this status is valid regardless of proof otherwise. I'm VERY confused as to what they are doing to validate this, since I have proof it was discharged.

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 2019-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
They keep calling me about somebody else 's debt. Not even my debt. I blocked one number they called me on another number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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: PA

Complaint narrative:
My credit report currently shows 2 charged off accounts from XXXX XXXX XXXX. They were both included in my Chapter XXXX Bankruptcy filing on XX/XX/19 and subsequently discharged on XX/XX/2019. I have numerous times disputed the fact that they are not reporting correctly. Per my bankruptcy attorney they should be reporting Closed, {$0.00} balance, discharged in chapter XXXX  bankruptcy. Instead they are reporting as as a collect/chargoff and transferred to another lender. I've provided proof of my filing and discharge. I've reached out to both the company and the credit bureau. The credit bureau continues to find that this status is valid regardless of proof otherwise. I'm VERY confused as to what they are doing to validate this, since I have proof it was discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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: PA

Complaint narrative:
My credit report currently shows XXXX charged off accounts from XXXX XXXX XXXX. They were both included in my Chapter XXXX Bankruptcy filing on XX/XX/19 and subsequently discharged on XX/XX/2019. I have numerous times disputed the fact that they are not reporting correctly. Per my bankruptcy attorney they should be reporting Closed, {$0.00} balance, discharged in chapter XXXX bankruptcy. Instead they are reporting as as a collect/chargoff and transferred to another lender. I've provided proof of my filing and discharge. I've reached out to both the company and the credit bureau. The credit bureau continues to find that this status is valid regardless of proof otherwise. I'm VERY confused as to what they are doing to validate this, since I have proof it was discharged.

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 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital one, XXXX XXXX, XXXX XXXX, I am on a payment plan with these creditors and in return I would like to make a delete to offer, when my accounts are paid off I would like to have all negative trademarks removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valentine and Kebartas, Inc.
State: MI

Complaint narrative:
THEY CALLED MY PLACE OF EMPLOYMENT HARRASING ME AND MY EMPLOYER XX/XX/2019. THEY WERE TOLD NOT TO CALL. TO MAIL CORRISPONDENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have fallen behind on my one credit card bill due to my boyfriend passing away, time off work, getting a new job, and the excessive late fees for every payment. The bill collectors from Capital One call me MULTIPLE times a day, and usually within 10 minutes or less. They start at XXXX XXXX, and have been interrupting my life. Once at an appointment on XX/XX/XXXX, they called at least 5 times within an hour, interrupting my doctor. I've worked in a call center before and know numbers loop around, but every 10 minutes, give or take, is extreme harassment. Not to mention, they never leave a voice mail or say who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for Bank of America Credit Card. 

Bank of America sent me letter that there is problem getting my score. 

When I contacted them they said I have fraud alert on my credit file and I need to add phone number. 

I tried with Credit Bureaus and I was unable to add phone number after several attempts. Their website keeps giving error. 

Now I see hard enquiry on my account from Bank of America. 

At this point my credit card has not been APPROVED or DENIED. 

I requested bank of America to withdraw application and remove hard enquiry since I am withdrawing it before decision being taken on my account but Bank of America says they cant remove that hard enquiry. 

Therefore, my request is to either 1 ) Take decision since hard enquiry has been made or 2 ) Remove hard enquiry from account since as per BOA, I have fraud alert 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 explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: WI

Complaint narrative:
Good morning! 
I am a client of Freedom Debt Relief. I am reaching out to you because yesterday I happened to find out you filed suit against them XX/XX/XXXX. My contract with them started 5 months later. I am reaching out to you because I am experiencing the same issues that are described in your litigation documentation. I signed a contract with Freedom Debt Relief XX/XX/XXXX. Please see the attached documentation. My contract included 3 creditors, total debt {$15000.00}, with a monthly program payment of {$260.00} per month for 4 years. My contract states this will not affect my credit profile. A year and a half later, my credit score has dropped 200 points. From XXXX to XXXX. I was never late with my payments for my credit cards ( or any other bills for that matter ). I was just told that I could pay off these 3 credit cards a lot faster if I enrolled with Freedom Debt Relief. All of my payments have been on time, being automatically taken from my bank account every month. They didn't start negotiating anything until several months later when the first creditor stated they were suing me. I was told that all 3 creditors would be negotiated with at the same time and that's how my payment and the length of my contract would be determined. A year and a half later, Freedom Debt Relief had not even negotiated with the second creditor. They did nothing until I recently received documentation from my credit card company that they were suing me. So now FDR is telling me my payment will be an additional {$290.00} per month. Totalling {$560.00}! The third and last creditor has not even been contacted by FDR. When I complain to the attorney from FDR 's partner XXXX XXXX XXXX XXXX, XXXX XXXX, he says he has had multiple complaints about how FDR is treating their clients and I would need to contact them. When I contact FDR, they say to contact XXXX! I am in a desperate situation. They want me to contact them by today if I agree to pay the extra {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I paid a prior debt with XXXX XXXX to a collection agency. My paid a settlement to clear the account after a horrible car accident which left me horribly XXXX. The account was settled in XXXX. Debt appeared on my credit report in XXXX. Called XXXX  XXXX/XXXX XXXX and collector refused to give him name, told me a lawyer was trying to sue me and refused to give me information to send my paid letter. XXXX complaint filed in XX/XX/XXXX. Company claimed they would look into the issue and call me. They never contacted me whatsoever. I have mailed 4 copies of my paid letter to XXXX XXXX billing dispute address in Ohio. I have disputed multiple times with reporting agencies. The debt I paid HAS NOT ONCE BEEN UPDATED TO SHOW PAID SETTLEMENT AND HAS NOT BEEN REMOVED. I feel I am being SCAMMED.

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 2019-09-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid a prior debt with XXXX XXXX to a collection agency. My paid a settlement to clear the account after a horrible car accident which left me horribly XXXX. The account was settled in XXXX. Debt appeared on my credit report in XXXX. Called XXXX  XXXX/XXXX XXXX and collector refused to give him name, told me a lawyer was trying to sue me and refused to give me information to send my paid letter. XXXX complaint filed in XX/XX/XXXX. Company claimed they would look into the issue and call me. They never contacted me whatsoever. I have mailed 4 copies of my paid letter to XXXX XXXX billing dispute address in Ohio. I have disputed multiple times with reporting agencies. The debt I paid HAS NOT ONCE BEEN UPDATED TO SHOW PAID SETTLEMENT AND HAS NOT BEEN REMOVED. I feel I am being SCAMMED.

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 2019-09-20 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/2019, my Federal student loan ( serviced by Navient ) was paid off in the amount of {$91000.00}. I received an email from Navient on XX/XX/2019 congratulating me about paying off my loan and the posting of this payment. Additionally, on XX/XX/2019, I received another email from Navient congratulating me for paying off my loan. Subsequently, my loans were reported as paid, closed/never late to the credit reporting agencies. 

However, on XX/XX/2019, I received an email from Navient including a monthly statement, requesting a {$240.00} payment. That same day, I called Navient to inquire about this email and was told that Navient made a mistake back in XXXX when calculating my interest payments, though they never contacted me. She told me not to worry about this email, as my loan is paid off, but she sent a request to an investigation department with Navient to address this. Additionally, on XX/XX/2019 I received another payment request email from Navient, with the same due date as the email the day before, but with a new amount of {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Kohls/capital one XXXX, capital one na

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I made a deposit from my business bank account ( local Institution ) to my personal bank account at Bank of America. The deposit was over {$5000.00}. I have had a banking relationship with Bank of America for over 20 years. I have made deposits from this account to Bank of America for over nine years without having bounced a check. There have been dozens of deposits over {$5000.00}. I made the deposit on XX/XX/XXXX at an ATM via check and the none of funds are available until XX/XX/XXXX. This is 10 calendar days and 8 business days which seems unacceptable given the nature of the relationship, the history, etc. Also, the bank should pay interest during the hold period if the funds are found to be valid.

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 2019-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I Have send over Coinbase money to XXXX XXXX XXXX for a service. Service was not provided as arranged so I cancelled payment with XXXX XXXX as arranged. He cancelled it also. Now XXXX did not repay my funds. As I contacted Coinbase the closed my account. XXXX. XXXX appears as they Have return my funds Coinbase says there is no money on my account. Please research.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
As per agreement, an American Express ( AMEX ) card debt was settle in full. AMEX reports the account as either " late payment '' ( Which it never was XXXX or " Charged Off ''. The report the same account in multiple months ( XXXX, XXXX and XXXX of this year ). 

This account was paid off in full as per their agreement yet I have to have the credit reports corrected every month. When I've contacted AMEX I get no answers or action on their part. 

This has cost me a great deal of time, effort, money, aggravation and frustration. AMEX KNOWS they are falsely reporting this information but they just don't care or worse yet, are malicious in their intent. This practice of theirs should be stopped and they should be fined for their illegal actions. 

As you will see by the attached statements, AMEX reported this as a " Closed Account '', a " Charged Off '' account and " Late Payment '' to the credit reporting agencies. Non of which was accurate and was reporting the same account multiple time ONLY to intentionally hurt ones credit.

Company response to consumer: Closed with non-monetary relief