vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
This is the 3rd complaint filed with regard to this matter. The previous two complaint numbers are XXXX and XXXX. 

It is notable that the XX/XX/2021 letter by Capital One was written by an unknown writer. Apparently there is no one at Capital One who is willing to put their name on this injustice of a cardholders rights under VISA rules. Also this cardholder left a phone message for supervisor XXXX over one week ago that has never be returned by Capital One or XXXX. 

The response by Capital One is lacking an explanation or rebuttal of the information this cardholder complained of. All of the following are due a response. 

1 ) Why Capital One used an invalid chargeback code for merchandise not received when it was evident that the merchandise was being held in Customs? 

2 ) Why Capital One attempted to bring a pre arbitration chargeback but missed the deadline and it was rejected by VISA for the late filing.

3 ) Why Capital One did not ask the cardholder for the contract when it knew there was a contract governing the transaction? Both the merchant and the cardholder stated there was a contract.

4 ) Why Capital One did not enforce the contractual agreement that required the merchant to refund the full purchase price upon the breach of contract by the merchant?

5 ) Why Capital One has failed to bring a compliance inquiry with the merchant and VISA when the merchant clearly used the VISA payment system to collect funds from the cardholder based on a written contract that the merchant breached?

It appears that Capital One is supporting merchant fraud and/or breach of contract. A cardholder has rights under the Federal laws including the fair credit billing act and VISA rules. These rights and rules were clearly violated and Capital One is refusing to take responsibility for this. 

See screenshot from Capital One website where Capital One promises that merchants are held to their polices. Here the merchant does not even have a return policy in violation of VISA rules. There is a contract however between cardholder and merchant promising the cardholder he will receive a full refund if the merchant ships the merchandise on a date other than agreed. Here the merchant clearly shipped the merchandise on a later date breaching the contract. The cardholder had every right under all laws to expect a full refund through his credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08 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: Radius Global Solutions LLC
State: LA

Complaint narrative:
On, XXXX XXXX2020, a derogatory mark was added on my credit report per XXXX XXXX from Radius Global Soultions and as allowed under the Fair Debit Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPPA authorization. 

If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX, and XXXX  to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act. 

Please note withholding the information you received from any medical provider is an attempt to be HIPPA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA compliant.

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 2021-01-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a request of investigation on my credit report via United States Postal Service on XXXX20 to XXXX, Equifax and XXXX. I have not received a response from neither company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a credit card through Bank of America, opened 13 years and 1 month ago. I have been a loyal customer and paid on time for years until I was impacted by the Coronavirus pandemic as well as a personal XXXX  crisis. I lost my job in XXXX as a result of the pandemic, and also contracted XXXX  while XXXX, which created a cascade of health issues requiring hospitalization and ultimately the XXXX  XXXX  of my son, who was then admitted to XXXX. During this time I suffered a second job loss since I did not qualify for FMLA with my new job. I attempted to login via Bank of America 's app to pay my credit card bill during this time, but was locked out of my account. In order to unlock the account, I needed the full account number, but did not have access to this, since I never received a paper bill and my household goods ( with older statements ) were in storage after being forced to move in with family ( again, due to the pandemic ). I called Bank of America on XXXX XXXX2020 once my son and I were well and requested my login be unlocked, paid my current bill as well as the next month 's, and requested the late payments reported since XXXX, 2020, be removed from my credit report. Ultimately I was denied, even after escalating the 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 explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc.
State: MI

Complaint narrative:
I filed a complaint/dispute with XXXX XXXX/XXXX  via their dispute system XXXX 2020. After submitting complaint online, I looked up the collection agency that had complaint on my file Allied Account Services, XXXX XXXX XXXX, XXXX, XXXX I spoke to the representative and told him if he checked his records he would see that I've never lived in XXXX XXXX  or had any relative living in the state. I told him whoever opened the account with the utility had to have used their own social security number. I told him that they did not use due diligence in investigating and that I wanted it removed from my record. That XXXX is still on my record with XXXX, XXXX XXXX and XXXX. I want them FINED for being sloppy and irresponsible! 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against XXXX multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$7100.00} and MY balance was {$5900.00} as of XX/XX/XXXX. Card was stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had 32 of water from Hurricane Harvey after the XXXX tax day flood of 8. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the card but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments that started on XXXX of {$2400.00} and returned the same day, on XXXX of {$2400.00} and returned the same day, on XXXX of {$7000.00} and returned on the same day, on XXXX of {$2000.00} and returned on the same day, on XXXX of {$10000.00} and returned on the same day. See attached statements. {$24000.00} of bogus payments within one month and not do anything???????!!!!!! Two months of returned payments and they didnt contact me??!! XXXX should have been alerted on XXXX and contacted me then. See XXXX attached letter dated XX/XX/XXXX. I had asked for the payment methods used to make the fraudulent payments and XXXX denied the request. XXXX further states However, once an XX/XX/XXXX is returned because we were not able to locate the account, we suspend that account. {$24000.00} of fraud payments in two months and then suspend an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But XXXX was phone calling the thief. In the attached latter dated XXXX, XXXX states the bogus phone number was removed and they do not know how the thiefs phone number was added.????? So, XXXX was talking to the thief, accepted more than {$24000.00} of fraud payments, allowed more than {$7000.00} of charges, and allowed the credit limit to be exceeded more than {$6000.00}. And XXXX sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$6000.00} laying around to pay it off. Now XXXX holds me responsible because they dont have a modern system to alert them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against XXXX multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$7100.00} and MY balance was {$5900.00} as of XX/XX/XXXX. Card was stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had XXXX of water from Hurricane XXXX after the XXXX tax day flood of XXXX. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the card but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments that started on XXXX of {$2400.00} and returned the same day, on XXXX of {$2400.00} and returned the same day, on XXXX of {$7000.00} and returned on the same day, on XXXX of {$2000.00} and returned on the same day, on XXXX of {$10000.00} and returned on the same day. See attached statements. {$24000.00} of bogus payments within one month and not do anything???????!!!!!! Two months of returned payments and they didnt contact me??!! XXXX should have been alerted on XXXX and contacted me then. See Chases attached letter dated XX/XX/XXXX. I had asked for the payment methods used to make the fraudulent payments and XXXX denied the request. XXXX further states However, once an EPAY is returned because we were not able to locate the account, we suspend that account. {$24000.00} of fraud payments in two months and then suspend an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But XXXX was phone calling the thief. In the attached latter dated XXXX, XXXX states the bogus phone number was removed and they do not know how the thiefs phone number was added.????? So, XXXX was talking to the thief, accepted more than {$24000.00} of fraud payments, allowed more than {$7000.00} of charges, and allowed the credit limit to be exceeded more than {$6000.00}. And XXXX sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$6000.00} laying around to pay it off. Now XXXX holds me responsible because they dont have a modern system to alert them.

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 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Paypal said they were reviewing me it would take 24 hrs ok then finally released my irs XXXX dol stimulas money then I tried putting it on my cars and it got denied now they said I was being reviewed again it's been days and still got my money in hold I've sent them my drivers license government documents proof of a address and still haven't gotten it I'm gon na be homeless no food my dogs are starving please help me!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08 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:
I'm sure you have received this complaint many times, and I'm really curious as to the answer .... 

How could it be allowed, that Paypal, can allow you to open an account, use it, add money, etc, and then, once they decide they want to look into something ( which is normal ), instead of giving you a notice, ( i.e. " We are freezing your account to make sure everything is ok ), they actually wait until you deposit money into the account, and then freeze it. Then ask for documentation which I'm sure every sends, and then the response is, " OK we'll look into it and let you know next week '' That is actually allowed? Besides the fact that it is incredibly sneaky, it's dangerous ... They are dealing with people 's money, and are allowed to wait till they have your money, freeze it for a week? 
And not to mention, they aren't even open 24 hours a day .... And it's almost impossible to actually talk to anyone .... Just seems like they should be more regulated ... .And I've seen this same complaint 10000 's of times it seems .... 

But, I'm sure they just get away with it because of " good reason '', so they continue to do it .... XXXX forbid, one time ( just once, cuz every other time I'm sure is legitimate ), they do it for the wrong reason, they could really cause a problem for someone ... .. 

Just my opinion ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a request of investigation on my credit report via United States Postal Service on XXXX to TransUnion, XXXX  and XXXX. I have not received a response from neither company.

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 2021-01-08 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: FL

Complaint narrative:
I submitted a request of investigation on my credit report via United States Postal Service on XXXX20 to XXXX, XXXX  and Experian. I have not received a response from neither company.

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 2021-01-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Unverified Account Account Name : XXXX XXXX XXXX XXXX .Type : COLLECTION Date Opened XXXX Balance : { {$49.00} } and Unverified Account Name : XXXX XXXX XXXX COLLECTION Date Opened : XX/XX/2020 Balance : { {$100.00} } Please be advised I have requested validation over 30 days { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
Phoenix Financial Services placed an old time-barred medical debt on my XXXX  credit report on XX/XX/2020 that had already been removed from my credit report because of the age of the debt after I had disputed it. It had previously been placed for collection through XXXX XXXX XXXX of which I have documentation of the account being removed from my credit report. I had not received any written notice by mail or otherwise about the debt or that they had bought this old debt. There have been multiple complaints against the company for the same devious business practices, and I am going to file complaints with every available government consumer agency and the California Attorney General 's office. They have now today placed the collection on my XXXX  credit report. These need to be removed. This is ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I need the accounts removed from my reports that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Bank to Bank Transfers Access Suspended

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 2021-01-08 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: Lending Club Corp
State: NC

Complaint narrative:
in XX/XX/2020 i was effected by the Covid -19 pandemic and temporary lost track of my finance statement due to reconstructing my life with the lockdowns and job shut downs. 
i contacted XXXX/XXXX an informed them of my situation and they promised me that the late payment would be forgiven. i have never missed a payment with them since i had this account and i wrote a letter of goodwill to never miss a payment in the future.the issue with the late payment has never been corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Ive ran my business through PayPal for over 6 years through the email XXXX. They wrongfully closed my account for what they claimed was violating their acceptable use policy. 

They said they would hold my money for 6 months and then give it back to me. At the end of XXXX I logged in and saw all the money was illegally taken. 

In addition, there are over 20+ websites that run the exact same business as me still using PayPal . The bottom line is they illegally stole my money and I wish to purse this in court if it is not return. 

{$40000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
On or about XX/XX/2020 I received a notification of a debt due. 

This debt is not valid and I demand Gurstel cease all collection attempts

Company response to consumer: Closed with non-monetary relief