vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Sent {$250.00} to a XXXX user for an agreement to exchange for concert tickets on XX/XX/XXXX. User ensured tickets were transferred, so I initiated the XXXX transfer. Got a notification from XXXX that the funds were accepted. User said tickets werent coming through and that he would call XXXX. User did not send tickets and would not send money back although requested by me several times. User did not follow through on his end of said agreement and is essentially committing fraud and a scam. Payment was provided, but the goods/service were not provided OR consumed. 

Called Wells Fargo to initiate a claim and they told me the charge was still pending to the other users account and that they might be able to let me file a claim tomorrow ( XX/XX/XXXX ) after XXXX, but a claim has not been able to be filed yet.

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 2018-05-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
I currently owe on a student loan is that it is being garnished out of my paycheck on a regular basis. I repeatedly received calls still about this even though money is being taken out of my paycheck already. I work for the XXXX XXXX XXXX XXXX County Florida and now the front office has been receiving calls for 3 week and it is illegal for me to take calls in class while XXXX. It is also inappropriate to share my financial information or use pressure tactics with the front desk clerk.

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 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My problem consist in that the two credit operators XXXX and experian, report data that is incorrect about me. This happens because I share the same name with my oldest son, I am tired of telling them by phone that this is not me, that they are reporting my son 's credit data, that my son 's birth date is XX/XX/XXXX and I was born on XX/XX/XXXX and we also have different social security number. But they tell me that in order to correct their mistake, I must send them all my personal documentation that confirms my identity ... and then I asked them : how is it possible that you report wrong information about me, but you tell me that you dont have my information? This is a contradiction and a paradox. I am not willing to give any private information to these credit agencies, I have no relationship with them and I will not correct anything that I have not created, those errors in my credit report are NOT attributable to me, they are the ones that have to be well documented before destroy my credit records and my reputation, all this has affected me in the request for an increase in my credit cards limits, in the cost of my insurance policy of my car and in my driving record also. They have damaged my public image and my credit reputation, having reported unverified and incorrect data about 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 non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal has limited my account based on activity that they claim is " inconsistent with their user agreement ''. In doing so, they removed a total of {$37000.00} and are holding it for 180 days. Below is a timeline : XX/XX/XXXX - Paypal sends an email notifying me that I can not use Paypal anymore. I am not given the option to appeal or provide further information to dispute my case. 

XX/XX/XXXX - Paypal removes {$9000.00} from my XXXX  XXXX XXXX account without my approval, cause me to momentarily overdraft XX/XX/XXXX - Paypal removes {$27000.00} from my XXXX XXXX XXXX account without my approval XX/XX/XXXX - I call Paypal customer service to resolve the issue, am transerred to XXXX, employee ID # XXXX and am told that there is nothing I can do to appeal and that there is no way to escalate my case beyond sending a letter to the legal department. Also told there will be no reasoning provided and no evidence supporting the supposed unauthorized use of my account. Told that Paypal is allowed to " hold any amount of money for the " amount of time that Paypal deems necessary '', which in this case is 180 days. 

I feel that Paypal has helped themselved to a free 6-month loan. My business plans are completely ruined thanks to Paypal and I'm now responsible for any interest on those funds over the six month time period. 

My account with Paypal is under my email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: CA

Complaint narrative:
On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

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 2018-05-09 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: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I have lodged disputes with 21st Mortgage, XXXX XXXX XXXX and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I recevied a notification on my phone from my bank regarding a pending charge from " XXXX   XXXX XXXX XXXX , CA, US '' . As I did not recognize the charge and it was quite large ( {$1000.00} ), I contacted my bank, Ally Bank, immediately to dispute the charge. They told me that as the charge was pending it could not be disputed and I must wait until it posts. It posted the next day, XX/XX/XXXX and I disputed it the same day. A provisional credit was returned to my account while the bank investigated. 

Flash forward to today, XX/XX/XXXX and I notice the provisional credit has been reversed. I check my account notices and notice a message from XX/XX/XXXX that I was never alerted to indicating " Our research indicates that the transaction was authorized and is correct. Thus, the transaction will remain posted to your account. '' When I contacted the bank to dispute this, they informed me the decision is final and I would need to contact the seller for a refund. When I informed them the " seller '' is a pyramid scheme and this is a known scam, they told me to " look for another way of getting your funds from them. You may want to speak with a lawyer and discuss all options out there. '' I was told they based the decision on the fact that the seller provided evidence of the order and delivery of an item to my address. I informed them this is a known scam with this company ( see others reporting it here : XXXX XXXX XXXX ) and " Federal laws prohibit mailing unordered merchandise to consumers and then demanding payment. '' ( XXXX XXXX XXXXXXXX ) but they continued to refuse any assistance in returning my stolen funds.

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 2018-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
Each day for the past few days I get several cals from XXXX. When I answer it hangs up. So when I call back and it's Advance America. I keep telling whoever answers that I have emailed them and told them I have a financial hardship due to job lost and I can't pay right now. 

And have been in constant contact with them and yet they keep calling me from this number several times daily after my requests to not do that. Or contact my references or former employer ( which I don't know if they are doing but they did a couple weeks ago ). 

Collection or not, they are harassing me with these multiple daily calls. I need them to stop that please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
When I opened my Chase Sapphire Card I was given a guide to benefits including Return Guarantee, that states if a merchant wont accept a return and it is still like-new/good working then Chase will accept the return and provide me a credit for the purchase amount. 

I attempted to use this benefit on XX/XX/18 for a pair of shoes that I bought that ultimately I decided I did not want to keep. I was outside the merchant 's return period, but inside the 90-day period for Chase 's protection. I sent in all requested documentation. 

A month passed and I received no update on my claim. I called the 3rd party benefit provider and was told that my claim was denied because the shoes were not like-new. I explained they had only been worn to try them on in my apartment, and that the merchant, as well as most shoe merchants, consider that acceptable practice and would accept the return. 

I contacted Chase customer support to follow-up. Chase told me that my claim had been APPROVED and that I should receive a check within 1-2 weeks. I confirmed several times with the claim number and card number, as this was confusing, but I was reassured that the claim was approved. After 2 weeks and no check, I contacted Chase again, and Chase told me this time that in fact my claim had been denied. 

I escalated my concern to Chase, and Chase " investigated '' only to come back and tell me that the claim was denied because the shoes were not like-new. I had already explained multiple times that they were in fact like-new as accepted by shoe merchants, and in good working order. 

Chase seems to make a habit out of doing absolutely everything it can to avoid honoring claims for the benefits that it advertises on its cards. Its deceptive to ensure me, the customer, that I should use my Chase card over my other credit and debit cards because of the benefits ... only then to avoid paying when I try to use them. 

It's also concerning to see Chase offer a benefit that has more stringent requirements for merchandise than the merchants who sell them. What does Chase plan to do with the returned merchandise? Return them to the merchant for a refund ( I already tried ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX I transferred a total of {$6000.00} from my joint savings into my personal checking. 
This had been discussed between both account holders. 
The following day the person I shared my joint checking and savings account with filed a fraud claim and closed both accounts. Shortly after Bank of America put a {$880000.00} freeze on my personal account. When I spoke to their customer service department I was told an investigation would be held and could take up to 10 business days. 

The 10 business days are now over and I have been told that a hold will be placed on my account for up to 45 days which would make my account active on XX/XX/XXXX. 

My credit score has gone down by 12 points since XX/XX/XXXX. I  have creditors calling my phone non stop. 

I have taken my birth certificate, social, and id into a branch to prove my identity. I have faxed over documents stating where I work and verification that I am authorized on this account. 

Page 7 in their disclosure proves my rights and is being broken with no solid answer as to why.

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 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
I sent a letter explaining that my cell phone bill was paid in full. The final bill was {$170.00} which was paid and proof provided to the company. I received another letter requesting for demand for payment of bill. This was created after my account was closed and paid in full. This is the second company trying to collect on a closed account. I provided the first company the same bill and bank information showing the account was paid in full. this company sent a bill i never receive and was created after a had already receive and paid my final bill eve before i receive notice from Sunrise credit services inc i was receiving demand for payment they call XXXX years old mother in law being rude and UN professionaXXXX NOW I RECEIVE A LETTER FOR DEMAND FOR PAYMENT FROM XXXX XXXX XXXX NOTE MY ACCOUNT WAS CLOSED IN XX/XX/XXXX AND THE BILL IN QUESTION IS FOR SERVICE PROVIDE IN XX/XX/XXXX WHICH MY ACCOUNT WAS CLOSED WITH NO PAST DUE AMOUNT DUE NOTED IN THE LETTER FROM XXXX XXXX XXXX WHICH I PROVIDE A COPY

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 2018-05-09 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Early this year, I requested copies of my credit reports using the form on the CFPB 's website. I have not received copies of my reports. I believe I complained previously this year about this, but still have not gotten my reports. 

Recently, I was locked out of a credit card with XXXX XXXX XXXX which had some false so-called " security '' questions it asked me. Because I did not provide the false answer that XXXX had purchased from one of the credit agencies, I could not get back into my account. 

This is a recurring problem with more than one bank. It has happened before with XXXX XXXX as well. The credit bureaus sell banks sewage that then is used to deny me advertised services with one or more credit card. 

Despite this, I have not received my free copies of my credit report, despite requesting them, in writing more than once already this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently noticed an account on my credit report that listed as Kohl 's Charge Card and I never opened an account with this company. When I called the company and sent multiple letters they have sent me back a generic letter stating the account was not opened fraudulently which I never opened this account and if they are say I did then I asked for a consumer agreement or application with my signature on it and they stated on XX/XX/XXXX that they don't keep that information on file past 90 days. The still have have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it or etc. ) and under Section 611 ( 5 ) ( A ) of the FCRA. The will not because they stated that they don't have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc.
State: MA

Complaint narrative:
I was offered a job. I just retired from the state after almost 30 yrs as a XXXX XXXXXXXX in XXXX mass and a XXXX XXXXXXXX with the XXXX XXXX XXXXXXXX XXXX in mass. So XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX Ca. XXXX had to do a background check and drug test on me for the job, no problem. I had a drug test around XX/XX/2018 and another one on XX/XX/2018 both came back negative dilute. I was so appalled that I asked my doctor to take one and it came up negative. Also they said something was in my background check and I looked it up and saw absolutely nothing. So I didnt get the job because these people lied. I was in law enforcement for a long time and got tested every year at different times. Never did it ever come back negative dilute. How many other people have these people lifes have been destroyed because of them. Id like this rectified and the company notified that I was going to start working for notified, this was far from the truth. Im also informing the attorney general office. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Predatory loan, not reflective of my salary, job title, and credit. 
Collusion with dealer to reduce bargaining power, including paying interest and points on loan, requiring bad supplemental products as mandatory. 

Mandatory bad warranty. No record of warranty, no contract info, despite repeated attempts to obtain. 
Extra large cost totaling over 25 % of the price of the car. XXXX car ( XXXX warranty ) No repair reimbursement. Never was able to use warranty despite numerous repairs. I have had to pay over $ 2000.00out of pocket, with NO reimbursement or ability to submit a claim. Paid over 2000 in the first 12 months of ownership. 

Called finance company immediately and told not to fund the loan, that the dealership had misreprensented themselves in the transaction numerous times, and the car would be returned asap. It was funded anyway. After making several calls to the finance company and dealer to rectify, to no avail. 

Sent all of my paperwork late. So by the time I received it I was behind one payment. So despite paying the loan every month, the loan reflects perpetually late, and I get a fee each month, even though I pay at least the minimum, usually over the minimum payment each month. I have incurred hundreds, if not thousands of dollars in late fees. 
Several months ago, despite paying the loan monthly, XX/XX/2018, my  payment was refused, forcing my loan into default! 
I have paid on this loan for over 18 months ( it is a 3 year loan ), and I owe more now than the initial loan amount. 
I would have great credit if not for this loan. I have excellent payment history with every other creditor before and after inception of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: TN

Complaint narrative:
Equifax is not accurately verifying accounts or investigating disputes ... I have asked via letter for information of which they are using to verify my debt through original and 3rd party debt collectors .... I have received no original letters of authorization from the following listed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX .... Moreover, XXXX account is listed multiple times with status or paid closed, derogatory closed, and card lost or stolen. Which indicates that after multiple disputes that the practices of this bureau are not following the rules under the FRCA ... Everything is currently under reinvestigation ... This is harming my reputation as a consumer .... I have placed a fraud alert on my credit report as well as with the FTC ... .I want all signed consent to inquiries be made available to me or asked that all inquiries that do not have authorized proof of documentation of my consent to be removed ....

Company response to consumer: Closed with explanation