vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX. I just received an attempt to collect a debt from American Express. I have never authorized this debt with American Express and I have never received any type of communication related to this fraudulent account as well. Therefore, I am filing this complaint to get further assistance from the Consumer Financial Protection Bureau. I hope the matter can be amicably settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ERC
State: CA

Complaint narrative:
ERC changed my billing address to my employers address, then mailed a bill to my employers address. The A/P department at my employer opened the letter and read and reviewed the invoice. When they determined it was not company related, then then emailed it to me. So basically they provided my information of a past due, disputed bill to my employer which embarrassed me and divulged my information to my employer and coworkers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Recently after obtaining a copy of my credit report I discovered that XXXX XXXX XXXX XXXX is listed as a current creditor for : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  and is reporting as open, and " Charged Off '' including Remarks ; Disputed resolved ; reported by grantor, consequently inaccurate balances have been furnished to all three credit bureaus. It appears the original creditor, [ XXXX  ] sold the account to XXXX XXXX XXXX for collection on XX/XX/XXXX, the initial loan amount reports a balance of {$2500.00} and secondly, a balance of {$2300.00} several disputes were filed with the Credit Reporting Agencies ( verbally and written ) between XX/XX/XXXX and XX/XX/XXXX. ( see attachment ) All three credit reporting agencies investigations have responded with " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) is required and Section  611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' XXXX XXXX has failed to provide its source about how this information was obtained in accordance with the FCRA, and has owned the account since XX/XX/XXXX and failed to provide appropriate debt validation required by federal law verification before posting to my credit report An attachment is included with complaint confirming a request to obtain debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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
State: NC

Complaint narrative:
XX/XX/2020 at XXXX XXXX PDT My company used PayPal to receive a credit card payment of {$4300.00}. Paypal immediately and without reason put a hold on {$2900.00}. I called and was told multiple different reasons as to why the funds were being held : Reason 1 : " The funds will be released when you provide a tracking number '' -I am a XXXX XXXX XXXX XXXX facility, the transaction is for XXXX XXXX there is not and will not be a tracking number.

At this point I was transferred to another representative and was given a different reason.

Reason 2- " You have gone over the {$500.00} limit on keyed in transactions. 
-I replied that I was now very uneasy with any funds being held by PayPal , that my business cash flow can not tolerate {$3000.00} being held for " Up to 21 days ''. The representative attempted to release the hold, but was not able to. I asked to be transferred to a supervisor who could release the funds. At this point I was transferred to a supervisor who gave me the third different reason. 
Reason 3 - " You have gone over the {$8500.00} limit on incoming transactions total. '' -I replied that the funds need to be released immediately and that there are unacceptable and shady business practices going on. The supervisor rudely and with glee refused to release the funds, or provide me any acceptable reason why the funds were being held, or why I had been told so many different reasons. He informed me that PayPal would not release the hold for 21 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My complaint is against AT & T Universal Card ( AT & T ). I filed a complaint with the XXXX XXXX XXXX and AT & T Universal Card has not responded. The credit card company states that they apply payments first to the balance with the higher interest rate. I had two balance transfer offers.

1. Approximately {$22000.00} at 1.99 % that ends in XXXX of 2021. 
2. Approximately {$3000.00} at .99 % that ends in XXXX of 2021. 

Illegal action : 1. It appears from analysis that AT & T is applying a portion of the {$330.00} payment to cover the interest on the larger balance at the higher rate. 
2. The rest of the payment goes to lower the balance for the lower interest rate balance transfer with the longest remaining time. 

The minimum payment for the account is approximately {$330.00}. 

This is a disadvantage to me in that I am charged a higher rate for a longer time and the loan with the longest life is being reduced first. 

I believe this is is against the company 's stated policy and does not meet current credit card practice.

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 2020-08-28 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 — Their investigation did not fix an error on your report
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
Atlas Credit Company is a predatory lender. I opened an account with them on XX/XX/XXXX. I then paid the account in full XX/XX/XXXX. They reported to Transunion I had filed a bankruptcy. I never filed a bankruptcy. I also paid the account in full. They refuse to remove the information from my account. I disputed the account multiple times and they refuse to acknowledge their error. 

I was unaware of this until I pulled my annual credit report. Both XXXX and XXXX  do not have this information listed. This lender is purposefully attempting to damage my credit. I believe they should be held accountable for inaccurate information. They continue to damage my credit and countless others. They are predatory lenders and should be held accountable. 

Atlas Credit Company XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: FL

Complaint narrative:
In XX/XX/2020, I sold a cycling shoe to a buyer, in-person, through XXXX XXXX. The customer asked me to use PayPal. 
I sent buyer the link for payment by e-mail, this way he could pay using his credit card through PayPal. And he did it. Immediately the payment changed from OPEN to PAID, and then to PENDING - Processing time XXXX hours. 
The buyer picks the shoe up and left, since we both believed that in matters of time to complete the payment. 
Listed on Marketplace XXXX : XXXX : XXXX Paypal Transaction ID : XXXX A complaint was opened with Paypal last XX/XX/2020. 
Paypal replied back asking the buyer to confirm the receipt of the product. 
However there the customer does not have an option to add the information on his app side. 
The buyer tried to cancel the transaction to pay me in cash, but the credit card administration said the money was already taken by the merchant ( Paypal ). 
Paypal app/website still with the payment on " pending ''. 
No other option from Paypal was given to me to receive the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
RE : Wells Fargo Home Mortgage - failing to send most current loan statement after paying off Mortgage. 

My husband and I are both owners of our house, but the mortgage was in my husband 's name only. Unfortunately, my husband passed away at the end of XXXX. In order to keep the house, I managed to pay off his mortgage account with Wells Fargo Home Mortgage in XX/XX/XXXX. 

I have been requesting the final or the most current loan statement after paying off the mortgage several times, after receiving the required document ie.death certificate, Wells Fargo still refused to send the final loan statement. I went to their branches and wrote several letters about this matter, but Wells Fargo just advised that they could not supply a final loan statement to me for safekeeping. I am very disappointed with Wells Fargo 's way of treating its customers and really not impressed with their inefficiencies in handling this matter. The staff who handled the case just followed their procedures of sending me letters but do not actually doing anything to solve my problem. Again, I am very disappointed with this lender.

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 2020-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
I bought the car in XX/XX/XXXX, a XXXX XXXX XXXX. My payments were due on the XXXX of every month since purchase. All went well until XX/XX/XXXX. My auto payment was not made on XXXX. I was not made aware of this until XX/XX/XXXX. I was not aware of the auto payments not being made. I spoke with a man named XXXX a supervisor, on XX/XX/XXXX, and he made a new contract with me. He said he would put XX/XX/XXXX, and XX/XX/XXXX payments on the end of the note if I would make a payment that day. If i got the payment in before XXXX, and gave him the tracking information from XXXX XXXX, he would do his part with the 2 payments. I did this and left the requested info on his voice mail before XXXX. I thought all was good. I made another payment in XXXX on the XXXX. I spoke with another supervisor named XXXX on the XXXX. She told me she spoke with XXXX, and she would do his job for him only 14 days late. She did this only my XX/XX/XXXX payment was applied to the XXXX payment because it was the oldest payment on my account because XXXX did not do his part by moving it to the end of the note. So my XX/XX/XXXX payment was not moved also, when I made the next payment on XX/XX/XXXX, XXXX was reported 60 days late, and XXXX was reported 30 days late. If XXXX moved them on XX/XX/XXXX as agreed, no payments would be late, yet I am now reported as 60 days late in XXXX, XXXX and 30 days late in XXXX, XXXX. Not true because XXXX breached our amended contract and I performed as agreed. 
Now lets come to the next issue with FMC and payment reporting. 
XX/XX/XXXX, I made a payment to Ford around the XXXX of XXXX, XXXX. It was paid by my bank on the XXXX of XXXX. I sent in the bank statement proving this. Ford has lost this payment. Now into XXXX, XXXX. I made a payment to not go 30 days late on XX/XX/XXXX. XXXX cutoff time for crediting same-day payments is XXXX XXXX. I made the payment through western union at XXXX XXXX on Friday the XXXX. That is the XXXX day since the previous due date. But that day is not over as far as calendar days until midnight. I told ford I was not 30 days late, I was actually 29 days and 19 hours past due. They could not report me 30 or more days late. The courts have ruled those days are calendar days not business hours days. FMC is harming me once again. They lie, break agreements and do not follow the law. Their policies do not rewrite laws. I did not go 30 days passed due, that is a fact in the record. 29 days 19 hours is NOT 30 days, simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
HI & HOW'S COVID-19? I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 for 30 days? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am the victim of an identity theft where a credit account for {$4000.00} was opened using my information. Part of the false info used indicated I lived in the State of Indiana. I have never lived in Indiana, and I have significant proof of my residency. I filed a police report for identity theft and notified the creditor of their false account using my stolen identity. I also notified all three credit bureaus and provided sufficient proof that the account in question was fraudulent. Experian has ignored the evidence and is still assessing ownership of this fraudulent account to me.

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 2020-08-28 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
DSNB Macy 's is reporting a charged off account on my credit report for an authorized user account. I was not liable for this account and I demand it gets removed. I have sent credit bureau dispute letters and they are still reporting it on XXXX XXXX and XXXX. XXXX has corrected it. Thank you, XXXX.

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 2020-08-28 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: NV

Complaint narrative:
I have a PayPal account and on XX/XX/XXXX my son had his backpay for unemployment deposited into my PayPal. XXXX PayPal accepted this deposit then limit my account so I could not touch this money nor could my son who is also on my PayPal account. They sent me a thing to fill out asking how I got the money what did I sell to get the money they wanted receipts and so on my iD I provided them with what I was able to my ID so on I didn't have a receipt because I didn't sell anything I explained to them it was back pay for unemployment. Well they decided that I could no longer do business with them but I could not close my account and that I would not have access to my funds for 180 days in case if charge backs well I don't sell anything with my PayPal so there is no way of charge backs. This money we waited on for months about to lose everything. And once the money came we couldn't touch it. If it was AGANIST there user aggrement then why did they accept the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: MO

Complaint narrative:
Netspend Visa prepaid card ( XXXX ) was never activated, after speaking with a Netspend representative I was informed that Netspend would not activate said Visa prepaid card. This refusal to activate the Netspend Visa prepaid card was not clear of the exact reason ( s ). So, at which time, I demanded that Netspend return all funds immediately since Netspend refuses to activate the said card. I've spent {$100.00} ( load ) + XXXX ( purchase price ) = XXXX. At this point, Netspend has carryon as gangers on this refund, that is to say, it has been hard to get a representative over the phone ( to get status of my refund ) and I have yet to receive my fund.

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 2020-08-28 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: AZ

Complaint narrative:
XXXX XXXX 's is reporting a charged off account on my credit report for an authorized user account. I was not liable for this account and I demand it gets removed. I have sent credit bureau dispute letters and they are still reporting it on Trans Union and XXXX. XXXX has corrected it. Thank you, XXXX.

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 2020-08-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX 's is reporting a charged off account on my credit report for an authorized user account. I was not liable for this account and I demand it gets removed. I have sent credit bureau dispute letters and they are still reporting it on XXXX XXXX and Equifax. XXXX has corrected it. Thank you, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
U.S DEPT OF VETS AFFAIR ACCOUNT WAS PAID AND CLOSED IN XX/XX/XXXX. TRANSUNION HAS THIS ACCOUNT LISTED AS 120 PAST DUE XX/XX/XXXX. I CALLED TRANSUNION AND THE FIRST REP TOLD ME THAT EVEN THOUGH THE ACCOUNT IS CLOSED THEY CAN STILL PUT 120 DAYS PAST DUE FOR XX/XX/XXXX. THE NEXT REP ( SUPERVISOR XXXX  ) STATED THAT HE DOESNT SEE IT AND I MUST BE READING MY REPORT WORN. I DEMAND THAT THIS ACCOUNT REFLECT CORRECTLY OR BE REMOVED. THIS IS AGAINST THE LAW TO INTENTIONAL REPORT INACCURATELY. I AM TRYING TO PURCHASE A HOME AND THIS MAKES MY REPORT LOOK AS IF I WAS LATE FOUR MONTHS AGO.

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 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my Transunion credit report and saw that I have many unauthorized inquiries that I didn't give permission to run my credit. I called and spoke to a rep and he refused to delete them. So I'm filing a complaint against them so I can have the unauthorized inquiries removed from my credit report. I spoke to Trans Union XX/XX/XXXX around XXXX pst. 
The unauthorized inquires are listed below : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX  XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX  XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX  XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX  XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX  XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX  XXXX XXXX XXXX XX/XX/XXXX 23. XXXX  XXXX XXXX XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XX/XX/XXXX 25. XXXX XXXX XXXX XX/XX/XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXX XX/XX/XXXX 28. XXXX XXXX XXXX XX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX

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 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This occurred on XX/XX/2020.Capital One without my permission withdrew {$12.00} from one of my accounts and transferred it into my other checking account with a negative balance they created, now I'm out of {$12.00} that I would like back, and that Capital One just close all of my accounts

Company response to consumer: Closed with explanation