vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-28 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

Complaint narrative:
Our complain is about PayPal. Our money has been on hold bu 180 Days and now it is time to get out money however, we see on our account that, PayPal has taken our balance and transferred to their system by indicating that we caused them a damage as per their Acceptable Use Policy Violation. 
However, this policy includes seeling the prohibted items : including, gambling, drugs, smokes, or other illegal items however we are a gadget store and we sell phone cases, and some car holders along with other electronic accessories. We can prove that by showing each single transaction on paypal which shows the name of items as well. 
We strongly believe that, PayPal has made a big mistake and have taken our money from our account at the time of release date. 
We urgently need this problem to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: FL

Complaint narrative:
My natural inalienable XXXX given rights are being violated pursuant 15usc1681c-2 by all three credit reporting agencies. ( XXXX, XXXX, and Transunion ) Each agency which has no authority granted by Congress to report any of my information being a private Man, further more without my express written consent. 

But on the XXXX day of XXXX in the year XXXX  all agencies received by certified USPS an FTC identity theft report along with a written order to block and remove those accounts and information in accordance with FEDERAL LAW pursuant 15usc1681c-2. ( Please see attachments ) ( My request did not meet the criteria to decline or rescind, according to 1681c-2. ) It has now been 6 days from the date of each agency signing for my order, and I am with the understanding after 4 days of receipt without verification of mentioned accounts they are to be removed. After several conversations with each agency, I was informed by them all that they have started an investigation and dispute process according to their " Agencies Regulations. '' The deceitful language being used implies that their inhouse corporate regulations supersede and outweigh the ruling authority of the FCRA. 

1. I did not give express written consent to start a dispute. They did not receive dispute letters. 

2. Never gave express written consent for the initial reporting of anything being reported, factual or not! 

2. If it is my responsibility and no one else to protect my faculties, that including fair credit reporting, makes it is also my duty to expose those who take an unfair advantage of my rights as Man. 

Although Exhibit B is titled Transunion be not mislead, each individual agency received their own personalized FTC Report and Cover letter.

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 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Received offer in mail with a sign up bonus of XXXX points for spending {$5000.00} in first 3 months. Met criteria, but never received bonus points. 

Contacted Amex via chat on XX/XX/21 and the rep verified that I met the requirements and would submit a ticket for them to resolve in 7-10 business days. 

Still had not received points, contacted via chat again on XX/XX/21. They said it was still being worked on and to check back at another date. 

Still no points. Contacted again on XX/XX/21. They said it was still being worked on. 

Still have not received after nearly 4 months since meeting criteria for sign up bonus points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: VA

Complaint narrative:
Mrs. Associates XXXX XXXX XXXX XXXX XXXX, NJ XXXX Amount XXXX. 
I have made serval attempts dating back to XXXX of XXXX, making serval disputes against the company. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica

Complaint narrative:
US Direct Express closed complaint XXXX with no resolution. 

They sent an email claiming they could not contact me by phone. My son tried calling them twice and no response. When I called them and left them my phone number, they closed the complaint because my son filed the complaint for me. 

US Direct Express representatives may not know how to make international phone calls. 

Send any paperwork needed to make someone my representative dealing with US Direct Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/11 XXXX charge was placed on my account without permission and XXXX advised the item was delivered however upon checking nothing was received and the neighbor advised someone stole the package. I filed police report for theft and sent the information to bluebird along with correspondence from the merchant XXXX and the form bluebird requested me to complete. I received an email stating my claim was denied and contact them for clarification WHY they continuously hangup on the line and provide Zero details finally I spoke with someone to reopen the dispute however they are refusing to send the corrected form stating I need to wait 10 business days and if I can't '' is should bank some where else '' i keep demanding my refund and the reps keeps hang up, This company continuously keep blocking my card and removing between XXXX to XXXX cents without permission stealing money from their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28 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: NJ

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX and financed the vehicle through KIA Finance. I paid the vehicle off on XX/XX/XXXX and had expected to receive my title shortly thereafter. I contacted KIA finance and was advised that I would receive the title within 14 days. I contacted KIA finance at the end of XXXX and advised that I had not received the vehicle title. I was advised that the title was sent to my old address a home that I sold in XX/XX/XXXX. My mailing address was changed however, the company failed to follow through. I was furthered advised by a representative that a lien release letter from KIA would be sent which was received XX/XX/XXXX six weeks after the initial request. 

On XX/XX/XXXX I went to the New Jersey Motor Vehicle Commission to obtain a duplicate title and I was advised that the KIA lien release letter was unacceptable because Hyundai Capital America was on the title documents filed with the state. The motor vehicle commission representative stated that I would need a merger letter or lien release letter from Hyundai Capital America. I contacted Hyundai Capital America the same day and was advised that I would receive the merger/ lien release letter from Hyundai Capital America with in 3-5 days which did not occur. Hyundai Capital was contacted again on XX/XX/XXXX advising their representative that the merger/lien letter was not received. The representative stated that the letter was mailed on XX/XX/XXXX which was 11 days ago. 

I am bringing this issue to your attention so that someone can investigate and have Hyundai Capital America forward their merger/lien release letter so that I can obtain a duplicate title. In addition, Hyundai Capital America should be responsible fee paying the {$60.00} duplicate title fee since they caused this problem.

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 2021-08-28 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a charge of {XXXX} dollars that I disputed I believe XX/XX/21 or around that time.Wellsfargo detected fraud and I called and confirmed that it was indeed an unauthorized purchase. Today ( XX/XX/21 ) I look on my account and see I have a outstanding balance of {$XXXXXXXX} and a notice on my app that says I am over my credit card limit. I call Wellsfargo and they inform me that my claim was denied because of the ip Address of purchase matched my normal IP address ( something like that ). Basically what I got out of that was that my claim was denied because they believe I authorized the purchase. At this point Im upset because Im informing the rep that I didnt authorize any purchase and she then ask me did I receive any merchandise from the merchant I told her no, how could I receive anything when I have no idea about this purchase, I DID NOT AUTHORIZE ANY PURCHASE. she tried to contact the fraud department but they do not work weekends I guess. I ask here is there anything that could be done to get this resolved to day. She said not and advised I have to call back in Monday so that I can speak fo the fraud department and possible get the merchant involved. she also advised that since the claim was denied, I could try to file the claim again but it couldnt be for the reason of fraud which sounds crazy because I told her numerous times that I dont have no idea about this unauthorized purchase. So at this point Im highly upset and I need my money back.

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 2021-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
Southwest Credit System XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. In the amount of {$1800.00}. I have made serval attempts dating back to XXXX of XXXX, making serval disputes against the company. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Technically I have two accounts with you and I have questions about both finally complain on here seems a bit drastic but your website with all due respect is useless you cant do much of anything and theres no easy way to sing you a message on there so I guess Ill sing you want to hear I travel a lot so I cant always be on the phone anyway back to my question I have a XXXX XXXX Credit card that you just took over from another bank I have a few questions I dont use this card very much because it can only be used at the store Id like to know what I need to do to get this to become a Visa MasterCard so I could use it more often I have a good credit my credit score is in the XXXX I never missed a payment I have a decent job I mean I do everything youre supposed to do the first thing Id like to know if I can get the switch to a visa or MasterCard second is there anyway to increase the credit limit and decrease the interest rate? The last four of the card that I am referring to are XXXX between that and all of my personal information you should be able to locate my accounts The next credit card that you own and operate and have for years is the Menards big card I have all the same questions as I did with the first card is there anyway to turn this into a Visa MasterCard as you can see it doesnt get use much because for some weird reason you only approve me for a store card even though I have excellent credit looking at my XXXX XXXX and XXXX  report right now neither one of them have one negative thing on them nothing theyre perfect so Id like to know can I get this turned into a visa or MasterCard also credit line increase would be nice and a lower interest-rate would be nice but I have one additional question I did try to use this card how Id say about a week ago on the Menards website for some items that could be shipped to my house and the website kept telling me my card have been declined. Any idea why that wouldve happened? Considering I never use The card or I have very little because I can only use it in your store I dont understand how I couldve possibly been declined Im nowhere near my credit limit On this particular carded ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please refer to disputes that were sent under complaints XXXX TransUnion XXXX XXXX  XXXX XXXX  As of today XX/XX/XXXX it has been 60 days since this was suppose to be put under investigation TransUnion and XXXX. XXXX requested authorization which they can consider this my written authorization to conduct an investigation and I have also attached proof of my identity which is required. I have included on each authorization this errors or inaccuracies on my report and NOTHING HAS BEEN DONE. The bureaus have now violated my consumer rights and it has been passed 60 days and per FCRA these items need to be removed that's on the attached disputes. I have filed a complaint with my local attorney general 's office and have attached what was said and the complaint number and documentation. I keep very good records so if I have to take further with civil action by getting a consumer attorney I will do so as well. Please just delete these items at this point Complaint Comment to Missouri 's Local Attorney General 's Office I am filing a complaint because since XX/XX/XXXX I have been disputing items listed on my credit report due to inaccuracies and errors which are my rights as a consumer. As of XX/XX/XXXX I filed a complaint with CFPB and TransUnion and XXXX  stated on XX/XX/XXXX that they were putting these items under investigation and XXXX  stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 days now and still I have not received any investigation and according to the FCRA at this point because they have surpassed the timeframe to investigation that these are grounds for permanent deletion. This is what I am requesting at this point are I will be forced to get a consumer attorney because my rights or not being honored by a government entity as a consumer to investigate. 

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 explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I purchased a used vehicle from XXXX County truck sales and when trying to register the vehicle the state of Indiana stated I needed a one in the same affidavit from the bank. This form is needed because the original lien for the title was held with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, however in XX/XX/XXXX they merged with bank one who later merged with JP Morgan chase in XXXX. The lien was originally released in XX/XX/XXXX and was released by Bank One a division of JP Morgan Chase. I originally met with a chase rep on XX/XX/XXXX who called the auto loan department to assist as the rep in the bank was clueless to what I was requesting. The auto loan department assured me they were aware of the form and it would be mailed out within 3 business days. On Monday XX/XX/XXXX I called the auto loan department to ensure my letter was being mailed out and was informed that it was not, however out rep assured that it would be mailed out because no one inside a branch office could fill the form out for me. On Tuesday XX/XX/XXXX I called the auto loan department to ensure that there was trail created on my behalf about the one in the same form that I requested and was informed by this rep XXXX that the letter was mailed that day. On Thursday XXXX XXXX I did a follow call to the loan and department and spoke with XXXX who stated that the form was not mailed out only a lien release which I then stated that is not what I requested and asked to speak with a manger and I was informed by XXXX there was no manager available and since I wasnt an actual customer he would ensure that the one in the same form is mailed to me. I called into the branch in XXXX, Il to speak with s manager and get done help only to be told by the rep on the phone that I should call that loan department back and tell the I need to speak with a manager because the bank forest handle issues with that department. I called back into the loan department and requested a manager and XXXX came to the line I explained to her what was going on and with no apology I was informed by XXXX that she would mail the form out. I called the lien department Saturday a XX/XX/XXXX and was informed by XXXX that there was no one in the same form mailed behalf and he would ensure that one is mailed out on my behalf Monday XXXX XXXX. I requested to speak with a manager and was informed by XXXX that theres no manager available and he asked for my phone number so that someone could return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: MO

Complaint narrative:
Please refer to disputes that were sent under complaints XXXX XXXX  XXXX XXXX XXXX Equifax As of today XX/XX/XXXX it has been 60 days since this was suppose to be put under investigation XXXX and Equifax. XXXX requested authorization which they can consider this my written authorization to conduct an investigation and I have also attached proof of my identity which is required. I have included on each authorization this errors or inaccuracies on my report and NOTHING HAS BEEN DONE. The bureaus have now violated my consumer rights and it has been passed 60 days and per FCRA these items need to be removed that's on the attached disputes. I have filed a complaint with my local attorney general 's office and have attached what was said and the complaint number and documentation. I keep very good records so if I have to take further with civil action by getting a consumer attorney I will do so as well. Please just delete these items at this point Complaint Comment to Missouri 's Local Attorney General 's Office I am filing a complaint because since XX/XX/XXXX I have been disputing items listed on my credit report due to inaccuracies and errors which are my rights as a consumer. As of XX/XX/XXXX I filed a complaint with CFPB and XXXX  and Equifax stated on XX/XX/XXXX that they were putting these items under investigation and XXXX stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 days now and still I have not received any investigation and according to the FCRA at this point because they have surpassed the timeframe to investigation that these are grounds for permanent deletion. This is what I am requesting at this point are I will be forced to get a consumer attorney because my rights or not being honored by a government entity as a consumer to investigate. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please refer to disputes that were sent under complaints XXXX TransUnion XXXX Experian XXXX XXXX As of today XX/XX/XXXX it has been 60 days since this was suppose to be put under investigation XXXX and XXXX. Experian requested authorization which they can consider this my written authorization to conduct an investigation and I have also attached proof of my identity which is required. I have included on each authorization this errors or inaccuracies on my report and NOTHING HAS BEEN DONE. The bureaus have now violated my consumer rights and it has been passed 60 days and per FCRA these items need to be removed that's on the attached disputes. I have filed a complaint with my local attorney general 's office and have attached what was said and the complaint number and documentation. I keep very good records so if I have to take further with civil action by getting a consumer attorney I will do so as well. Please just delete these items at this point Complaint Comment to Missouri 's Local Attorney General 's Office I am filing a complaint because since XX/XX/XXXX I have been disputing items listed on my credit report due to inaccuracies and errors which are my rights as a consumer. As of XX/XX/XXXX I filed a complaint with CFPB and XXXX and XXXX stated on XX/XX/XXXX that they were putting these items under investigation and Experian stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 days now and still I have not received any investigation and according to the FCRA at this point because they have surpassed the timeframe to investigation that these are grounds for permanent deletion. This is what I am requesting at this point are I will be forced to get a consumer attorney because my rights or not being honored by a government entity as a consumer to investigate. 

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 explanation