vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 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: TX

Complaint narrative:
Dear Credit Bureau : XXXX  I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. 
( 1 ). How did you verify these inaccurate accounts?

( 2 ). Did you talk to the court and if you did who did you talk with at the court?

( 3 ). Were you required to pay a fee to obtain the bankruptcy papers?

( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on XX/XX/2017 U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on : XX/XX/2017 We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Dispute been going on since XXXX Certified mail sent XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: CA

Complaint narrative:
I made a purchase on XXXX  the funds were released. I tried to withdraw money from my paypal account. It declined when I tried to have it sent to my debit card. I then called Paypal I had gotten transferred to 3 representatives. The first two representatives said I had limitations on my account. Then the third representative said its a hard security block. Its nothing Paypal can do. I asked but why I have never abused my account and I barely use it. I explained that why would Paypal accept money but then block it for no reason and tell me to wait 72 hours. Up until now I never received an email or anything saying there was a issues with my account. PayPal just says the system does it by itself. The transaction is only {$94.00}. So at this point they wont give me my money not even by check or anything. They wont even close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This bank is horrible I used to have a Walmart cars with XXXX XXXX  it was recently transferred to them they are damaging my credit reporting late past due payments over 120 days they dont care I lost my job recently and called them to tell them if their was any program or hardship they refused and said my account would be charged off how is this fair its like they want to hurt my credit then they say my account is enrolled in credit counseling and its not they told me it will take 48 hours and to call back once the info was removed everytime I call they give me. Hard time and claim its still enrolled their a bunch of liars and I hate them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: TX

Complaint narrative:
Dear Credit Bureau : Experian I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the court? ( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 4 ). Can you  provide me with the contact number and name of the person you talked to? My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on XX/XX/2017 U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on : XX/XX/2017 We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.

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 2019-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: DC

Complaint narrative:
I filed a dispute about this debt and it was denied I have no knowledge of this debt from EOS CCA For XXXX the original creditor is XXXX XXXX. Any information would be helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/2019 I contacted XXXX XXXX regarding an account they reported to my tradelines. I spoke with a representative who stated that they don't have an account and that I needed to contact The XXXX XXXX XXXX  who also stated they had no knowledge of the account. This account should not be reported on my tradelines if this company Does not have any knowledge of the account. By law this account should not be reported to my tradelines if the company is unable to locate my account or verify the account that is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Almost daily call after I've told them I do not wish to speak to them by phone under the fair debt collection act and that I am XXXX  and my ONLY source of income is SSDI. Every attached screenshot is associated with Portfolio Recovery. The person that call today said her name was XXXX XXXX and that they had never called me before, which is a lie, as shown with screenshots.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Team, Merchant XXXX XXXX had debited my credit card with amounts {$500.00} and {$420.00} on XX/XX/2019 and XX/XX/2019 subsequently as damage costs to the rental car which was not done by me.The amounts were deducted without any permission or authentication from me and when i had arranged a meeting with merchant to discuss on this dispute the merchant didnt showed up nor did any communication on call. 
Later when i questioned the merchant about the policy of submitting the pictures of the car where damage happened within 24hrs, initially merchant denied it and later emailed saying yes it can be submitted. 
i have attached the detail conversation of emails in this complaint. 

i had also disputed these transactions on my chase bank credit card but later after a month it was re billed to my card for which i wrote to bank for initiating the dispute. 

please forward these details to chase bank credit card department and merchant XXXX  to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
My hazard insurance was due to XXXX XXXX in XXXX. As soon as I received the bill I contact my mortgage XXXX to have it paid out of my escrow account. They mailed a check on XX/XX/XXXX and never followed up to ensure it was received. XXXX XXXX I received a call from XXXX that my policy was going to expire on XXXX XXXX if I did not make the minimum payment. After being on an extremely long hold period XXXX they told me that there was nothing they could do because they have no reason to follow up on the checks they mail. I told them to wire the money they owed now and they said they don't wire money and the only thing they could do was open an inquiry on the check which will take 5 business days. I have tried to contact them several times and  each time I called I spent over an hour on hold and never got a person to pick up the phone. XXXX XXXX tried to call them and got the same results. XXXX now owes me money because I had to pay my insurance policy to keep it. I have been unable to reach XXXX for three days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My credit application was denied in violation of the Equal Credit Opportunity Act. 
see link : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I've been paying my mortgage for 10 years,never later or missed a payment,l mail my payment postal money order and priority with tracking ever month,XXXX  of this year my payment was mail on the XXXX,PHH received it on the XXXX they are telling me they don't have it,my tracking is saying different,they hit my credit score,I'm in the process of tracking the money order through USPS now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: NJ

Complaint narrative:
ON XX/XX/2019 EQUIFAX LOWER MY CREDIT SCORE FROM XXXX GOOD SCORE DOWN 60 POINTS TO XXXX MAKING MY CRED SORE POOR 60 POINT DROP ... ALL BECAUSE I CLOSED A MERE XXXX LIMITED MASTER CARD WITH XXXX XXXX XXXX THAT I HAD LESS THEN A YEAR OLD CLOSED ONLY BECAUSE I FELT I DINT NEED THIS CARD ANYMORE. 
AT THE SAME TIME I PAID DOWN OTHER CREDIT CARD BALANCES MORE THEN 1000.00 OFF MY TOTAL DEPTH WITH NO POSITIVE EFFECT FROM EQUIFAX I FEEL THIS IS A TOTAL INJUSTICE FROM EQUIFAX I PAY MY BILLS ON TIME ALL THE TIME ... AND THIS IS MY REWARD .... 
WHAT DO THE DO TO PEOPLE THAT DONT PAY? HANG THEM!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I do signed for a car loan and we know that being I co signed I am responsible also but my complaint is that I did not give the bank any authority to take money out of my savings account and they did so without any notification at all   I have left m&t bank which I have been with for 30 years and I am very upset. Have paid off multiple loans through this bank and have never had them or anybody take my money without any notification. I am very upset and hurt with all this as I have been a customer for 30 years.

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 2019-12-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I been battling to dispute these accounts for about 5 years. It doesn't make any sense to even continue when the companies. XXXX XXXX are some of the means people in the world right beside XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. You can talk nice to them all day still don't mean anything.These are not my accounts and I want them deleted immediately and permanently:  XXXX XXXX XXXX, - Charge offs - Closed Account - Please Delete Permanently.XXXX XXXX, Charge offs - Closed Account – Please Delete Permanently. XXXX XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently.XXXX XXXX XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently.XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently.XXXX XXXX XXXX, Charge offs - Closed Account – Please Delete Permanently.

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 2019-12-05 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: MN

Complaint narrative:
Submitted a claim against TransUnion, and recived an email saying they responded, but there is nothing, not even a notice that I submitted a complaint

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 2019-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XX/XX/2019 there was a payment made to XXXX XXXX And there are still ongoing payments for XXXX All listed below I’ve attached receipts and payment screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2019 I incurred an unauthorized transaction from XXXX XXXX, XXXX. There have been several big leaks on account emails and passwords from the company XXXX XXXX, my first account was compromised at the same time and i presume used by an individual to filter money to themselves. Automatic Payment for {$110.00} Paid with XXXX  XXXX XXXX, XXXX. Account Number : XXXX. 
The Transaction ID for the purchase was : XXXX, from pay-pal, and Seller info XXXX XXXX, XXXX Invoice ID XXXX Total {$110.00}, Recipient email : XXXX. 

PayPal sent me an email saying that, " The payment in question was sent as part of a billing agreement you previously set up with the merchant. '' So of course i have used the service before and i have made purchases from the website itself, but the person that hacked into the account made an unauthorized fraudulent purchase from my account. The website is used by freelancers and partners to sell subscriptions, tips, and other services from which XXXX XXXX takes a cut. 

Now because my claim has been denied my current debit and credit accounts stand with negative balances, these fees jumped from my debit to my credit card ( Plus Mastercard - XXXX ) : XX/XX/2019 Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION - TRANSACTION FEE Type Fees {$12.00} {$130.00} Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION TO XXXX XX/XX/2019 Expand transaction for Transaction date : XX/XX/2019 OVERDRAFT PROTECTION TO XXXX Type Bank Transaction {$100.00} {$110.00} I also had to cancel my pay pal credit account in fears that then that account could also incur fraudulent charges. PayPal will also not allow me to detach my debit account from their website, so maybe i will also have to close that account down. From what i read online is that i am not the only one in the same boat. 

" Safe & Easy Way to Pay. Get Started Today. " -PayPal XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: BB&T CORPORATION
State: TX

Complaint narrative:
I purchased a used car in XX/XX/XXXX using Regional Acceptance Corp as the financing company for the vehicle. The vehicle was repossessed in XXXX or XXXX of XXXX. That information was reported correctly on my credit report. However in XX/XX/XXXX, Regional Acceptance Corp has indicated on my credit report that the vehicle in question was repossessed in XXXX of this year ( XXXX ). The account was actually charged off in XX/XX/XXXX, but according to the 10-99 tax form I received this year it was charged off on XX/XX/XXXX. 

I filed a complaint through XXXX  and XXXX about the inaccurate repossession date information. I have not received a response from XXXX, but I did receive a response from XXXX. Regional Acceptance Corp has now reported the repossession date as XX/XX/XXXX. It appears on my credit report that I have had this vehicle since XXXX with delinquent payments every month until the repossession on XX/XX/XXXX. This is not accurate.

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 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
With experian credit reporting you are not able to resolve issues. The website will direct you to call their automated line and their automated line will direct you to use their website. I am not able to access my credit monitoring account to either cancel or view my service

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 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i went to bank of america so deposit my check of XXXX the teller advice me not all the funds were going to be available but {$200.00} XXXX on the XXXX and the remaining balance on the XXXX i have the printed receipt of the stating the dates, i then check my on line account and verify the funds and seen that the my check was now on hold until the XXXX and now i check my account again and my funds are held until the XXXX of the month i called spoke to teller and supervisor and manager and a simple " sorry '' will not buy me groceries for my and my child never the less pay my rent or my car payment and other bills, i work hard for my money .... i also spoke to a manager from the branch were i originally open my account and she stated my checks will not be held, i trusted them now im completely in a hole with my bills because a teller gave me false information i was misguided by a bank of america teller and i have to pay the consequences of been served a 3 day notice to quit because i have not paid my rent i need help please help me this is not fair why is bank of america discriminating me misguiding me and giving me false information!!!!!

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 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have 2 credit card accounts with Bank of America. 
My account ending in XXXX had its typical payment due on XXXX. I selected that card to pay on line through their payment system as I do monthly. I paid {$100.00} on XXXX towards the {$100.00} minimum payment due on XXXX. They incorrectly applied to another OLD account number ( ending in XXXX ) for the 2nd account, which was changed MORE THAN 4 YEARS AGO by them. That account 's number CURRENTLY ends in XXXX.They then charged me a late payment fee of {$38.00} for the " late payment '', because of incorrectly applying the payment to the wrong account. 
I should not have to pay the late fee because THEY offered up a dated, wrong account number which made it appear as though I was late, even though I paid more than the minumum that was due on THEIR incorrect system. 
I was not able to resolve this with them through a telephone call.

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