vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: MD

Complaint narrative:
My medical provider had trouble collecting payment for insoles from my insurance. The debt was paid in full by me in XX/XX/XXXX. Despite the fact that no debt is owed Quality asset Recovery continues to report the debt as being in collections. This was disputed with the credit bureaus in XX/XX/XXXX and again in XX/XX/XXXX. They keep reporting the debt and causing significant impact to my credit.

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 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
PayPal has frozen my account and ask me 2 provide them with a statement from my card which I have done and my account is still frozen with no way get money I need to pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: OH

Complaint narrative:
XX/XX/XXXX We were victims of a fraud in which a person sold us a rental home and there was no home rental home. He/She/They advertised an item they did not have. 
XX/XX/XXXX Immediately phoned Capital One and they stated they would take care of it. 
XX/XX/XXXX Received a letter stating Notification that goods were as described and received in good condition. 
XX/XX/XXXX Called Capital One and advised the goods were most certainly not received as described and received in good condition and was told of the information that would be needed to resolve XX/XX/XXXX Sent via upload information to Capital One that was requested XX/XX/XXXX Capital One denied dispute saying we did not provide the appropriate information XX/XX/XXXX Called Capital One again to ask what we to send. Was given detailed instruction, which we followed to get the appropriate information. 
XX/XX/XXXX Capital One denied dispute again saying we did not provide the appropriate information XX/XX/XXXX Called again and this time was told by " XXXX '' that they don't resolve disputes that involve transfer payments. I asked why was asked to send all the information if there was never any intention of supporting the dispute. Asked to speak to XXXX 's superior and XXXX reported he did not have one. Asked again, why were told the day before to call back if we were denied again and Capital One would advocate for us. XXXX states there is nothing he can do and there is nothing more we can do to fight this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: IN

Complaint narrative:
During XXXX of 2020 XXXX  delivered two unauthorized boxes to my home from Amazon. I did not order or request these two packages. They are still sitting in my garage unopened. I immediately called Amazon to inquire about these packages. All they told me was that they would investigate the case. They put charges totaling around {$250.00} on my amazon credit card. I called the Fraud Department at Amazon  back in XXXX of 2020 to report and dispute this scam. Amazon  removed these charges back in XXXX and XXXX to resolve the issue. They closed that specific credit and they wanted to send me a new card. I TOLD THEM TO NEVER SEND ME ANOTHER CARD FROM AMAZON. I DO NOT DO BUSINESS WITH CREDIT CARD COMPANIES WHO ENGAGE IN DECEPTIVE BUSINESS PRACTICES. During this same time period Chase credit card put an erroneous {$100.00} charge on my account for some unknown transaction. Keep in mind that I have had these cards for over 30 years and I have never experienced this kind of dishonest activity. Anyway, the Fraud department removed this fraudulent charge of {$100.00} from the Chase card. AGAIN, I TOLD THEM TO CLOSE BOTH ACOOUNTS AND TO NEVER SEND ME ANOTHER CREDIT CARD FROM AMAZON OR CHASE. I cut up and threw both cards in the trash as I was finished with them and this issue had been resolved. Here it is four months later, and Amazon/Chase has rebilled me for {$100.00}. When I called the Fraud Department about this, I spoke to a XXXXXXXX XXXX. All she did was talk over me and refuse to listen. She did not listen to me and she ended up hanging up on me. I have an excellent credit rating and I do not want to ruin my credit. The bill is due XX/XX/XXXX and I definitely do not plan to pay it as I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: FL

Complaint narrative:
This happen on XXXX XXXX when I called chime concerning something else and the transaction was brought to my attention which was unauthorized before the call was started I let that representative know that the car was being recorded but the problem where it starts is that that representative did not put down the amount of charges that was set over the phone when they submitted that claim that claim only had 53 transactions and they told me 72 transactions over the phone the transactions was made with the same payment method.BUT TO fast forward the story XX/XX/21 they granted that IS WAS AN error THAT been made AND THAT dispute # XXXX {$230.00} and {$9.00} but THEY denied the the other claims WHAT HAS the same payment method as the ones they found error which is odd.disputes BELOW ARE still waiting to hear # XXXX = {$93.00} # XXXX = {$190.00} # XXXX = {$780.00} TOTAL AMOUNT = {$1000.00} IS WHAT IM STILL WAITING FOR TO BE GIVING BACK AFTERNOON IT BEEN TAKEN WITHOUT ME KNOWING. 

MY CLAIM WHAT'S PURPOSELY SABOTAGE AND WASN'T SET UP THE CORRECT WAY AS WE UNDERSTOOD IT WAS ON THE FIRST CALL SETTING THE FIRST CLAIM UP WHEN I WENT TO GO CHECK THAT CLAIM THAT WAS SET UP WITH US OVER THE PHONE IT DIDN'T MATCH WHAT WAS SAID THAT YOU MADE SURE TO NOT MAKE A MISTAKE ON BUT MADE IT ANYWAY SO I COULDN'T USE NO CHARGES FOR A NEW CLAIM .... BUT THAT THREE OTHER DISPUTES CLAIMS THEY MAKING ME WAIT 45 DAYS BEHIND THE ACTIONS UP AND REPRESENTATIVE WHO WASN'T TRUTHFUL OR HONEST ABOUT WHAT HE OR SHE WAS PUTTING DOWN ON PAPER TO SUBMIT TO THE DISPUTE TEAM WHICH I'M NOW SUFFERING BEHIND THAT ACTIONS OF THAT REPRESENTATIVE WHICH IS NOT FAIR I'M LATE ON BILLS BEHIND THIS ACTIONS OF THAT EMPLOYEE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Revolution Financial Inc.
State: WI

Complaint narrative:
My sister made a transaction on XXXX of XXXX with Revolut service, I've tried to deposit my funds to my personal account on XX/XX/XXXX, but Revolut canceled my attempt and asked to proof my identity, so I did : I sent them my personal photo with holding my DL in hands, sent them revolut statement, SSN number, but it wasn't enough for them and Revolut decided to lock my account and freeze all my funds due to suspicious activity. 
after 14 days of reviewing my claim I contacted them again and they said that they can't do anything about and I have to file a claim at their corp website. 
I've done that as well. 
after 14 days no one called me either. 
I tried to contact Revolut online agent again but they locked my access to it and just didn't respond me back for 24 hrs already and counting ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: TX

Complaint narrative:
Someone impersonated my boss and emailed my company email address as my boss, they used my boss 's email address and emailed me from that email address. They then texted me and told me to purchase several gift cards. I double checked with my boss and realized it was a scam but by then I had purchased {$4500.00} worth of gift cards from XXXX and XXXX. XXXX said to contact credit card and debit card company. XXXX was able to lock 17 out of the 18 cards. XXXX XXXX canceled the charge immediately. Capital One said they could not do anything. Capital One refused to cancel the charges and provide help on the issue. Capital One clearly provides no protection for their users. I filed a police report, I filed a complaint with the FTC and I filed a complaint with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Barton Law Group, LLC
State: MO

Complaint narrative:
XXXX XXXX Firm and XXXX claim that they attempted to notify me and my ex-husband of the debt. However, when we/I received notice on XX/XX/XXXX, the information was addressed to Mr. XXXX and me to his address in separate letters. My address hasn't been the same as my ex-husband 's since XXXX. Once we received the information we attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX firm XXXX. On XX/XX/XXXX, I finally spoke with a representative from both businesses. XXXX XXXX from XXXX and XXXX from XXXX XXXX acknowledge, " We do not return calls. '' I was asked to present proof that one of the alleged debts was paid. I did so on XX/XX/XXXX. On XX/XX/XXXX, we were served to appear in court. The Sheriff didn't take the time to search my current address and my papers were given to my ex-husband ( what if we weren't on speaking terms XXXX. On XX/XX/XXXX, we appeared in court. I share with the Honorable XXXX XXXX XXXX that the information Mr. XXXX XXXX had wasn't correct and she interrupted me stating, " This is not the time to discuss this. We have a lot more cases on the XXXX XXXX docket. '' Mr. XXXX XXXX asked me if I had the correct information. He stated, " I will forward you the information ''. At this writing, I nor Mr. XXXX have received any. We spoke with XXXX at Mr. XXXX 's office requested a payment coupon to pay the claimed debt. Again we were told that XXXX XXXX firm doesn't send a payment coupon or correspondence. Also, XXXX stated, " This judge is aware that we do not return calls or send out payment coupons or any correspondence regarding the debt. So do you want to make the full payment today? '' We were advised to call on XX/XX/XXXX, four days before our next court hearing to pay the debt in full. After XXXX XXXX receives the payment they will notify the courts and mail separate statements to Mr. XXXX and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
XXXX XXXX of Caliber Home Loans XXXX XXXX  # XXXX ) rushed me through the refi and closing process and missed key information I shared with him around the intent of sale of a one of the lots within my XXXX property. He never assisted in getting the lot released. The sale ultimately fell through and I am now being forced into the partial release process and required to pay processing fees, appraisal fees, etc. XXXX included the lot in the appraisal making it impossible to sell. XXXX is very unprofessional and to my surprise, not very knowledgeable about the mortgage process. He was asking me personal questions around what I would do with the money if he were to get the propery released for me, including saying things like " I better not buy jet skis with the profits '' I've filed a complaint with Caliber but nothing has been done to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Phoenix Financial Services LLC
State: PA

Complaint narrative:
I checked my credit report and noticed two outstanding collections from Phoenix financial service that there is no possible way I could have obtained both are derived emergency XXXX XXXX XXXX XXXX XXXX  The first one I would like you to look into is {$560.00} and was originally opened XXXX. The second one I have on there is {$590.00} and as well, false. The reason I could not have acquired these is because u have been an XXXX  female at XXXX XXXX, XXXX route XXXX, XXXX pa XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has not updated my credit report, score nor have they remove or deleted any of the inaccurate information. I filed a dispute on XX/XX/2021. In regards to the incorrect items on my credit report and it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Synerprise Consulting Services have contacted me regarding a debt that they claim I owe. I responded back with a certified letter stating that they need to either send me an original receipt or detailed documents containing the description in order for me to know for sure that this debt belongs to me. Repeatedly they send me back a simple response that they have verified the debt internally without proving me with further proof. I don't believe this debt belongs to me so if they are unable or unwilling to provide me with proof I believe that it is only fair for me to ask them to remove my debt from their account and to remove any negative reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CA

Complaint narrative:
I submitted a dispute with experian and the report came back resolved and deleted from my report on XXXX then XXXX with no proof or change the item was placed on my report and no new findings were documented sent to me l want this item removed immediately from my report.

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 2021-05-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello I've tried over and over again to have the credit agencies to remove these accounts because the statute of limitations has expired. Listed below are the accounts that are reporting and should be removed according to the CRA. 

XXXX Account # : XXXX Account Type - Detail : FHA real estate mortgage. Date Opened : XX/XX/XXXX XXXX XXXX : {$310000.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXXXXXX Account Type - Detail : Rental agreement Date Opened : XX/XX/XXXX XXXX XXXX XXXX  {$920.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX Account Type - Detail : Educational Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: IL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-05-04 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: IL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, a counterfeit Visa debit pay card was used to withdraw {$980.00} from my account. The following is a timeline of account activity on that day as well as communication between myself and the XXXX XXXX customer service people. 

XX/XX/XXXX XXXX XXXX  : Online purchase of XXXX XXXX from XXXX using home computer XXXX XXXX  : Withdrawal of {$200.00} from XXXX ATM in XXXX, CA ( 50 miles away ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$180.00} ( same location ) At approximately XXXX XXXX  of the same day, I attempted to use my card to purchase food at XXXX XXXX XXXX restaurant, located at XXXX XXXX XXXX, XXXX XXXX CA XXXX ( approx. 6 blocks from my home ) The card was declined. Thinking it was their card reader that was malfunctioning, I went to use an ATM machine at the XXXX store next door to withdraw cash, but the card was declined again. At this point I called XXXX XXXX 

XXXX XXXX : Called XXXX XXXX and after reviewing last 5 transactions, disputed the withdrawals and cancelled the card. Was told by customer service rep investigation would be made, taking at least 45 but no more than 90 days before money would be replaced in my account. 

XX/XX/XXXX XXXX XXXX  : Called XXXX XXXX  to inquire about investigation, was told still in progress XX/XX/XXXX XXXX XXXX : Received letter dated XX/XX/XXXX from XXXX XXXX stating investigation completed and no error occurred. Called them and was told to send email to ADP to reopen investigation. 
XX/XX/XXXX XXXX XXXX : Emailed ADP as instructed to reopen investigation. 

XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told there's no record of it being reopened, etc, etc. After explaining several times and providing date and time of email I sent, investigation was NOW officially reopened. 
XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told still in progress XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told still in progress XX/XX/XXXX XXXX XXXX  : Called inquiring about progress of reopened investigation, was once again told they had no record of the investigation being reopened (! ) Here we go again. After about 10 minutes, the CSR was finally able to find that it HAD been reopened, but there was no info on its progress. I asked for a record of dates and times of calls from me to XXXX XXXX, and the CSR gave them to me. 
( wouldn't give me the names of who I spoke with each time though )

Company response to consumer: Closed with explanation