vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-14 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: MO

Complaint narrative:
XXXX XXXX XXXX has an open XXXX XXXX case on my credit. According to the law of the Federal Trade Commission it suppose to be on my credit report for 7 years. It has been on my credit report since XX/XX/XXXX. The legal statue for the reporting has passed. My child is XXXX years old. Therefore, XXXX XXXX XXXX does not have an open case.

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 2019-09-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Missouri XXXX XXXX has an open Child Support case on my credit. According to the law of the Federal Trade Commission it suppose to be on my credit report for 7 years. It has been on my credit report since 1998. The legal statue for the reporting has passed. My child is XXXX years old. Therefore, Missouri XXXX XXXX  does not have an open case.

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 2019-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: AR

Complaint narrative:
I tried to make my monthly payment several times before it became 60 days late. I was told by the representative to wait 5 days to see if the payment would go through. I did that about 4 times with 2 debit cards and 1 savings account. After many attempts, I was told by a customer service representative that there was a glitch in their system and the could not accept debit card payments. Debit cards, he said, went through two processing systems and they are not processing at this time. I went and opened a checking account to make the payment and by that time I was over 30 days late and was reported to the credit bureaus. I do not feel that I should have been reported because I tried to make the payment, but their system was inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
I have been called at least twice a day from portfolio recovery. They call from a different phone number each time they have called. I have asked them to stop on multiple occasions. The phone calls started XXXX of 2018 and have continued right to this day. Sunday- Saturday they never stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 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: TX

Complaint narrative:
I sent XXXX XXXX several certified Letters asking them to Validate late payments they have showing on my Credit Reports, methods in which the use, and who are reporting them? The have yet to send me Validation according to the law.

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 2019-09-14 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: TX

Complaint narrative:
I sent XXXX XXXX several certified Letters asking them to Validate late payments they have showing on my Credit Reports, methods in which the use, and who are reporting them? The have yet to send me Validation according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent XXXX XXXX several certified Letters asking them to Validate late payments they have showing on my Credit Reports, methods in which the use, and who are reporting them? The have yet to send me Validation according to the law.

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 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
CAPITAL ONE REFUSES TO OFFER A HARDSHIP PLAN! Account has not been paid since XX/XX/2019 and they are still refusing as of XX/XX/2019 to offer help to me. 

On top of that, Capital One has called me excessively regarding my delinquent accounts. They call every 30 minutes, even though they are able to leave a message. Today, Saturday, I have 6 calls from them in an 7 hour period.

** I have 2 Capital One accounts that are past due by 2 payments, soon to be 3 payments past due on the XXXX. 

** I've called several times over the past 4 weeks, and recently these are the 2 in-depth conversations listed below. 

XX/XX/19 : I talked to them for over 45 minutes, and was told the system didn't show any programs for me. Only that they could not charge a late fee, which doesn't help a thing. 

XX/XX/19 : I called today, and another rep also said no program is available, and then he told me that only ONE time in 24 months has he ever seen someone's account show a program. 

DECEPTIVE AND MISLEADING PRACTICE : When you are on the Capital One website, they have this automatic form that says " Payment Option '' " Build Your Payment Plan ''. No matter what number you type in there, it rejects your offer, unless you type in the entire past due and current amount. In other words, this form is rigged. I am behind {$290.00}, and it wouldn't approve {$50.00} a month, or {$100.00}, or {$150.00} a month or {$200.00} a month. It would only approve {$290.00} or higher. I can't afford {$100.00} a month, but I typed it in to see. 

ALL of my other creditors XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, ALL offered me a long-term hardship plan. All offered 0 %. EVERY SINGLE ONE. 

We are in a place of significant financial hardship. My income is down significantly since last year, and has been all through 2019, and we had a $ XXXX emergency vet expense, that required a down payment, to go on a vet payment plan. 

I can't keep up with the payments, and Capital One REFUSES to allow a plan. I've tried EVERYTHING to get on a plan. 

They just want to continue stacking fees on top of my 27 % interest rate. When it goes to collection and I finally get a settlement, the balance is going to be so high that it won't be doable then. They are absolutely the worst company to deal with. I wish I had never done business with them. In fact, I pro-actively closed all my accounts today! I will never do business with them ever. 

Their inability to help me is causing me emotional anxiety, extreme stress, poor health from the worry and not able to sleep, and hard to focus to keep business going during the day, especially with all their excessive phone calls. 

RESOLUTION SEEKING : 0 % Long-term payment plan - like my other creditors have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: IL

Complaint narrative:
XX/XX/2019 : Paypal I believe in response to my demand later PayPal suspend my processing account. They also suspend the account of a few clients. Without question, they've done it again and I quite frankly don't appreciate it. This has hurt my brand, as clients are now upset with me for their accounts being closed. Earlier that day, I spoke with a rep who asked me to provide a receipt and proof of material from a supplier. However, I informed him that because Paypal was the merchant processor than the receipt would come by way of how Paypal recorded it. Also, due to the service I provided is a digital one I didn't have a material supplier. I, also, told them that they could call my customer to verify that the service was provided. In the end, Paypal still suspended all of the accounts- mine and my customer. 

All this comes with no explanation on Paypal part and it's affected my business because they've frozen {$8500.00} for six months! I have a family and bills that are due soon. I have given them my client 's info for verification and they've refused to check with those they claim they're trying to protect. 

I don't know why they've done this to me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In the month of XX/XX/2018 after reviewing my credit report a collection on my report, I wrote to the original company XXXX XXXX to provide me with an accurate audit permitted by law and they informed me that the collect has been sold to a collection company LVNV Funding, I wrote to them to provide me with an correct accounting of amount due to them. My request was very clear of what I wanted. Specifically a break down of the all charges and fees, to make sure all consumer law where implemented and not simply verifying that I owe them a debt but a clear understanding of money owed. All I received was a form statement that it was correct but not providing me with a breakdown of fees and charges. The original credit line was {$700.00} and they state that I owe them {$1000.00}. How and where these fees come from my request came with no answer. I follow the fair credit act with the credit agency requesting verification as provided by law and my response was the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: KY

Complaint narrative:
Jefferson Capital systems bought a debt from a company that tried to place something on my credit report after being unsuccessful they sold the debt to Jefferson Capital systems. The original debt came from a company by the name of XXXX XXXX XXXX once XXXX XXXX XXXX was removed from my credit report XXXX XXXX sold the debt. I owe no money to XXXX XXXX, Jefferson Capital systems or XXXX XXXX XXXX. I've reached out to the country several times for them to show me all documents pertaining to this debt. I still have not received anything showing that I am responsible except for them reporting this information on my credit report falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am unable to put a freeze on my Experian credit report. Experian simply rejects the online attempt to apply the freeze, despite providing exactly the same information that had been used 30 minutes earlier to remove a previously applied freeze. 

Experian simply says it is unable to satisfy the request to freeze and then lists an unreasonably onerous process that must be followed, providing a lot of information on paper through US mail. It's clearly intended to dissuade the consumer.

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 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion keeps failing to uphold the law. Attached are my supporting documents. Information not VALIDATED per my request. 3 certified letters.

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 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Reporting inaccurate information despite me giving them notices alone with the law that supports my claim. Attached are my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I recently paid off a car loan financed by Bridgecrest. I paid the EXACT amount shown on the Bridgecrest website as my last remaining payment including all accrued interest. The final payment was due on XX/XX/2019 the final payment was sent to Bridgecrest via ACH Debit on XX/XX/2019. As ACH Debits typically take 2-3 days to deduct from my account, the payment was taken out of my account on XX/XX/2019 ( see attached document ) indicating the payment was made before it would be considered 30 days late. I was informed by XXXX at the Bridgecrest compliance department that all interest and late fees had been absorbed into the final payment and was sent a letter stating that my account was PAID IN FULL. As of today Bridgecrest has reported my last payment as 30 days late after I was specifically told by XXXX at the Bridgecrest compliance department that all interest had been absorbed and that I was NEVER 30 days late on any of the payments I made on this loan.

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 2019-09-15 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: CA

Complaint narrative:
I updated our checking account with PayPal and verified it. Since then, PayPal is refusing to let us withdraw the funds to our checking account. We are also not able to withdraw funds to our debit card. When calling customer support, they claim everything is normal and working as it should. Thre is {$3200.00} " stuck '' in my PayPal balance that they refuse to let me withdraw. Please fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX of 2019 a transaction was made using an American Express serve card to make an online XXXX transaction I filed a cfpb complaint on XXXX and American Express serve customer care both 334 months later which was passed the deadline for American Express to dispute it they told me that I needed to contact XXXX XXXX responded to the cfpb complaint saying they are the an improper company and that they can not reimburse me for a transaction paid for through XXXX with an American Express card somebody's got to reimburse me I don't know who but somebody's got to reimburse me. Refer to cfpb case number XXXX complaint on XXXX and Amex serve. The serve statement for XX/XX/2019 shows a fraudulent charge of XXXX paid to a XXXX XXXX. Transaction Id number XXXX. I want require full reimbursement check mailed to me. At XXXX XXXX. XXXX XXXX in XXXX XXXX, Wisconsin XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A fraudulent charge was made online on my Sams Club Mastercard. I was in possession of the credit card at the time the fraudulent charge was made. {$230.00} for a XXXX XXXX XXXX  XXXX delivered by USPS XX/XX/2019. I contacted the retailer on XX/XX/2019, which I received no reply to. I made a claim to Sams Card Mastercard, which was reopened many times. My identity was stolen ( reported to the police ) and affected two different cards along with the Sams Club Mastercard. Those two other credit card companies had no issue reimbursing me for the fraudulent charge.

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 2019-09-15 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: MN

Complaint narrative:
I checked my XXXX XXXX account and it states that on XX/XX/2019 a XXXX XXXX XXXX XXXX card had tried to be opened and a hard inquiry is on my account. I called XXXX  and they told me I had to contact transunion because they couldnt help me. The rep did not even try to listen to me when I told him my identity had been stolen and I already have a fraud police report opened and this was not me. So I need the hard inquiry removed.

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 2019-09-15 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
I have purchased multiple gift cards [ {$200.00}, {$75.00} ] for Google Play & was given a google play gift card [ XXXX ]. I paid cash for the gift cards and the card I was given was purchased on my friends bank card. Google prompts me to upload an image of the gift card, receipt of purchase, and a proof of residence in which I immediately do. We are going on 8 days and Google has tied up my money and not allowed me to use my gift card purchases. I am getting a Bureaucratic runaround and no evident action is being taken. I am continously being told Google can't provide any additional support in the matter. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: FL

Complaint narrative:
The US Department of Education is reporting 2 accounts that they said were open in XXXX. I didn't open any accounts with the Department of Education on XXXX or went to any school or college in XXXX. I wrote the Department of Education on XX/XX/XXXX to delete the fraudulent accounts and I wrote the credit bureaus multiple times to investigate and delete the fraudulent accounts. To this day the accounts are still being reported on my credit and neither the department of education or any of the 3 major credit bureaus have produce any documents that verify the debt as mine. They haven't produce any documents at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The US Department of Education is reporting 2 accounts that they said were open in XX/XX/XXXX. I didn't open any accounts with the Department of Education on XX/XX/XXXX or went to any school or college in XX/XX/XXXX. I wrote the Department of Education on XX/XX/XXXX to delete the fraudulent accounts and I wrote the credit bureaus multiple times to investigate and delete the fraudulent accounts. To this day the accounts are still being reported on my credit and neither the department of education or any of the 3 major credit bureaus have produce any documents that verify the debt as mine. They haven't produce any documents at all.

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 2019-09-15 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: TX

Complaint narrative:
I repeatedly am seeing updates from alleged creditor XXXX XXXX on my Experian and XXXX XXXX reports for allegedly written off account on XX/XX/2017. That is illegal to update, right, as the alleged delinquency is set to appear for a finite duration? I would like these updates from this alleged creditor to stop as it has with 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 non-monetary relief
Consumer complaint received 2019-09-15 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:
XXXX XXXX XXXX XXXX XXXX has reported on my Trans Union report on ( XX/XX/XXXX XXXX and ( XX/XX/XXXX ). I do NOT know what these are and they don't belong to me. i don't have any accounts with XXXX XXXX. I need these marks taken off my Trans Union report immediately.

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