vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Hello CFPB, I used PAYPAL ( XX/XX/2018 at XXXX XXXX  PDT ) to buy some cloth from XXXX and my Payment was sent to XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. 
Transaction ID : XXXX {$120.00} USD - what I received TWO month later ( on XX/XX/2018 ) was just unusable rugs, nothing were close to that picture on internet page, size, color, quality - very bad, even stiches and pockets were on wrong spots. 
Right away I set returning process but merchant been wasn't agree against their policy ( they says its not a big difference and you maybe just mistaking by thinking that and color under lights may look different ). 
XX/XX/2018 we filled dispute through PayPal ( case # XXXX ) about transaction, after long process - I received email from PayPal : " - Youre eligible for a refund of {$120.00} USD once you return the item ( s ) " and they send me address which was different than seller provided on package. 
I paid shipping {$62.00} and followed directions from PayPal, I send what I purchased back to PayPal provided XXXX adress and provided all the evidence of returning ( receipts ) to paypal complain resolution and I still didn't have refund. Because no one live there or address didn't exist I don't know. But package tracking system ( XXXX ) USPS were stopped at some point in XXXX and looks like it coming back. PayPal not refunding me money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I would like to know : 1. several years ago the highest credit score was XXXX, now its XXXX 2. how is this possible?

3. who gives these credit companies the right to up the scores at will 4. This has created millions of people that are now in a lower bracket and as such, now must pay more for credit!

This is a violation of law under the Rico act, as these companies are aiding major corporations to increase profits and they are doing it for increased income for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
Validation Letter was sent to this company on XX/XX/2018. As of XX/XX/XXXX company has not responded to this request. 

Please see validation letter attached. This is not legitimate practice and I would like this item removed from my credit 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 2018-10-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I applied for a refinance, I was told that Bank of America had on my credit report that I have not been paying my Home Equity Line of credit. I have receipts as I go into the branch and pay. The Branch did not know why the mortgage department said I owe when there records say I am up to date ( I have the record the branch gave me ). I called the equity department on XX/XX/XXXX, they said the branch can't see what I really owe and that I was short on my payment for the last few months. I paid what I was told and was also told that within 10 days my Credit report would reflect that I don't owe Bank of America anything. Just found out that Bank of America has on my credit report that I owe {$49.00}. I asked where did that come from and was told XX/XX/XXXX. I am now told that they will not fix my credit until next month. They keep lying and lying and charging me every time I call. The Branch can't help, they don't know what to do either. I feel as I am being held ransom by Bank of America.

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 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My Barclays arrival credit had a balance that I was paying consistently. I was then enrolled into a credit relief program. They settled the account with Barclays. This was settled and paid off however Barclays still shows it as a charge off which negatively affects 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 2018-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
The car was repositioned by Mercedes benz financial services on XX/XX/2018, the required payment was made on XX/XX/2018 via XXXX XXXX as requested which they were only able to locate after 8 days, meanwhile the new payment kicked in and they had me pay it even before the deadline date for the regular payment. payment was made same day on XX/XX/2018. they promised to sign the release same day. its XX/XX/2018 and non of the managers is on their desks according to the agent. XXXX the supervisor and XXXX the team leader are the only two can sign the release and they were never on their desks for 2 full days, so many voicemails left and still no response. 

I'm hurt, not able to work, my car is my source of income and i feel this team is attacking me personally. i seek help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
In XX/XX/2018 I was contacted by netcredit advising that I was pre approved for an installment loan. As I am a single mother of XXXX and have been batteling XXXX  I was behind on HOA fees and other bills and decided to take out the loan. They advised it was an intallment loan with monthly payment of XXXX. This is what I agreed to, I checked an account that I used and realized that they were taking out the XXXX every 2 weeks, once I realized this I sent them a complaint in writing advising to stop the ach and that I was under the impression that this was an installment loan and not a payday loan. I told them I could not afford the XXXX coming out every 2 weeks as this is not what I anticiapted. This has brought my checking account seriously negative and my bank is giving me a hard time as well. They emailed me a reponse saying it is an installment loan however the payment is every two weeks. I feel this is very deceptive, and installment loan is supposed to be a monthly payment a payday loan is a bi weekly payment. I really need help with this. I can makde montlhy payments I can not make bi weekly payments of XXXX that is too much and it is really creating a hardship for my family. Please assist me as again I feel this company is being very deceptive.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I checked my credit report yesterday, l saw a collection on my report. Collector named National credit systems lnc. Its {$98.00} which l dont owe. I dont have any agreement with them. Its basically fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX reports that I was 30days late XX/XX/XXXX and XX/XX/XXXX, which is incorrect as outlined below : Payment due date was XX/XX/XXXX - payment was received and posted to my account XX/XX/XXXX - Payment due date was XX/XX/XXXX - payment was received and posted to my account XX/XX/XXXX. 

I have asked them repeatedly to remove the more than 30 day remarks as the payments were NOT 30 days late, which negatively effects my credit score. 

The account is current with XXXX balance. When I spoke with a resolution customer support individual at XXXX XX/XX/XXXX, I was told that there was no incentive to remove any derogatory remarks since the account had a XXXX  balance regardless if it was accurate or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX I had a capital one credit card for $ XXXX that was used that I didn't know of. I noticed this debt and assumed it was mine because it was on my credit report. I sent capital one a email. After speaking with a number of financial advisors it was determined that I had been a victim of identity theft. I made a police report and placed fraud alerts on reports and have them locked. In XX/XX/XXXX Capital one took me to court in regards to this debt and it was DISMISSED. I have disputed this with the credit XXXX and Capital one refuses to remove this DISMISSED case from my report. There are telling me that this debt is mine. I have spoke with a lawyer in regards to this and what they are doing is illegal. This has been determined that this is NOT my debt and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: DE

Complaint narrative:
I have been trying to get access to my funds and the company MoneyLion will not let me transfer my funds out. I have called, emailed and messaged through the app. They will not provide access to my funds. It has been over two weeks and they are stating that unless I set up a membership with them I can not have access to MY money.

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
Consumer complaint received 2018-10-22 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: IN

Complaint narrative:
I have reached out to the Transunion, XXXX, and XXXX in regards to the 2 accounts showing on my report XXXX XXXX and XXXX, I have contacted them several times advising them they were fraudulently opened and unauthorized by me, I have been dealing with this issue since XX/XX/2018, I do not have a XXXX account or a XXXX account and never have, I want this issue to be resolved, I have done all the proper procedure they have asked of me and still nothing has changed. I want this to be resolved please.

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 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The credit bureaus ... XXXX, XXXX, Experian have not updated my report to Chapter XXXX bankruptcy discharge from XX/XX/XXXX. 
I'm trying to rebuild my credit after fallen on hard times. I've been XXXX since XX/XX/XXXX from an accident and would like them to acknowledge my recent closure.

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 2018-10-22 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:
Report no. XXXX I have contacted the credit agency on multiply occasions asking for the methods they used to verify my accounts. 




After 3 times I received a response stating the accounts were verified. I was not asking to verify the accounts but HOW they verified the accounts. I asked specific questions on how they verified the accounts and have not received an answer

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 2018-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I paid off the stated balances on their website for my three credit cards with Capital One. The due date for payment was XX/XX/XXXX. On XX/XX/XXXX, I was charged additional interest on all three accounts. Specifically, I paid {$2800.00} on XX/XX/XXXX and was charged {$37.00} on XX/XX/XXXX. I paid {$3400.00} on XX/XX/XXXX and was charged {$57.00} on XX/XX/XXXX. I paid {$1300.00} on XX/XX/XXXX and was charged {$21.00} on XX/XX/XXXX. I called on XX/XX/XXXX to customer service to ask why I was charged interest on a balance already paid and got some lame explanation which basically amounted to " that's the way they do things here ''. I asked to speak to a manager who basically said it was my fault for not calling them for a pay off so they could calculate the remaining interest. I asked her if that instruction was on the website and she said " no ''. I asked her if there was instruction on the statement and she said : " probably on the back '' then I informed her I could not know that because I do not get paper statements. I asked her if she thought it was fair to charge interest on something you already paid off and she said " it's our policy '' and when I asked her why the website does not reflect to the XXXX what is owed [ including interest ] in the " current balance '' box she said " that is something we are trying to correct ''. Please help! I have paid so much money to be debt free and now they do this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was informed my name would of came of on this Mortgage with Bank of America. I submit all proper form I don't reside at the XXXX, Florida that showing my name. It's 5 years my name is on Credit Bureau please help me get my name of the mortgage. Here 's my Email address XXXX XXXX, 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 2018-10-22 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: FL

Complaint narrative:
Experian Report Number : XXXX. Account Name : XXXX. Account Number : XXXX. On XX/XX/2018 I mailed a dispute to Experian regarding the credit item mentioned above. The dispute reason was " credit limit inaccurate. '' ( See attached copy of original dispute submitted. ) Experian received the dispute letter on XX/XX/2018. ( See attached certified mail return receipt. ) Experian provided me with the reinvestigation dispute results on XX/XX/2018 stating " information on this item has been updated. '' ( See attached copy of Experian dispute results. ) Thus, the inaccuracy remains on my credit file. I contacted the data furnisher, XXXX and received a response on XX/XX/2018. In the response letter, the data furnisher acknowledged the credit limit for this account is ( XXXX. ) ( See attached copy of letter from data furnisher. I have highlighted their acknowledgement. ) Experian 's reinvestigation dispute results contradicts the response from the data furnisher. Therefore, the credit item must be deleted because it is not 100 % accurate. Experian has violated the Fair Credit Reporting Act ( FCRA ). The FCRA does not allow the inaccurate reporting of information on my credit report. A reasonable investigation was not conducted and failing to comply with the FCRA is willful noncompliance. FCRA violations include section 607, 609, 611 and 623. Therefore, if Experian does not immediately remove this account from my  credit report, Experian will be subject to large monetary fines, plus punitive damages, court costs, and attorney 's fees, as well as complaints to the FTC, Florida Attorney General, and other state or federal agencies.

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 2018-10-22 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:
sent ftc of the inaccurate information that i have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AAA Collections
State: IA

Complaint narrative:
AAA collections agency South Dakota has been collecting my money for about 2 years now on a medical bill Ive never had a problem paying until I decided to Change by my banking info, I called back to see why my payments were not going through after about a month. The lady was extreamly upset with me after telling her Im not sure why my payments stopped. I called my bank and the bank said t was on their end. The lady said that I could only do a larger payment plan or pay the amount on full and I told her I couldnt afford either and became upset at that time. She threatend to have sheriffs at my house if she wanted and basically tried telling me without actually telling me that I would be sued no matter what and there wasnt anything I could do and they would win no mater what and take my money from the hearing. I have agreed to the payment plan of the larger sum and she said they would do that. A week later my account became dilenquent and now I have no way to pay because she will not allow the payments to go through. This company used to be pretty helpful when it came to paying off a large chunk of the hospital bills and now that its under a smaller number they are being super aggressive and I dont feel its fair at all and I hope that they take a check that I will be sending in to keep my account from being sent to court because It would lose since the agency and judge are so close.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen is using faulty information in the servicing of this mortgage loan. 

Ocwen has failed to deliver required foreclosure protections. 

I provided Ocwen with an Error on the mortgage loan. 

Ocwen has failed to properly respond to a Notice of Error and request for information. 

Ocwen has failed to properly acknowledge and investigate my complaint. 

I provided a rebuttal letter to Ocwen indicating the Notice of Error and Request for Information was not properly responded to by providing an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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:
XX/XX/XXXX I applied for a refinance, I was told that XXXX XXXX XXXX had on my credit report that I have not been paying my Home Equity Line of credit. I have receipts as I go into the branch and pay. The Branch did not know why the mortgage department said I owe when there records say I am up to date ( I have the record the branch gave me ). I called the equity department on XX/XX/XXXX, they said the branch can't see what I really owe and that I was short on my payment for the last few months. I paid what I was told and was also told that within 10 days my Credit report would reflect that I don't owe XXXX XXXX XXXX anything. Just found out that XXXX XXXX XXXX has on my credit report that I owe {$49.00}. I asked where did that come from and was told XX/XX/XXXX. I am now told that they will not fix my credit until next month. They keep lying and lying and charging me every time I call. The Branch can't help, they don't know what to do either. I feel as I am being held ransom by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation