vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: NV

Complaint narrative:
On or about XX/XX/19 I applied for a loan in the amount of {$1000.00}. I was approved, I however needed more time to pay the loan back. I was unable to make the full payment on the first payment and the company worked with me. However I was unable to make the XX/XX/XXXX payment and asked to extend it to the XX/XX/XXXX payment. I was granted this. I have looked hard at my finical situation and am seriously thinking of filing for bankruptcy. I have notified the company via email and have not heard a response yet. I am very concerned about my finical situation. I however had thought while making payments I was paying down the balance but it turns out I have not and it is just an extension to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial was contacted several occasions on XX/XX/2019 XX/XX/2019 as well as in XXXX in order to dispute that my payments for the XXXX and XXXX month were reporting 30 days late, although the payments were not 30 days late and they were advised that the erroneous information was impacting my ability to apply for a mortgage. Ally Financial never corrected the information although their own payment History shows that I was not 30 days late and XXXX and XX/XX/2019, on my XXXX and my XXXX credit report require corrections that need to take place immediately. I have tried to resolve this on several occasions via Ally Financial website and Ally Financial customer service phone line.

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 2019-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one inquires are on credit file unauthorized. Company failed to comply to FCRA Guidelines. Made several attempts to resolved issues with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX  XXXX financed a loan for my purchase Payment for XX/XX/XXXX due and paid and check cashed by XXXX XXXX XXXX Notice of assignment or Transfer of service dated XX/XX/XXXX for XX/XX/XXXX payment to be paid to : XXXX XXXX Payment due on XX/XX/XXXX mailed payment XX/XX/XXXX for XX/XX/XXXX payment, then payment cashed Received letter after I mailed payment that Notice of service transfer dated XX/XX/XXXX to NewRez all payments on or after XXXX XX/XX/XXXX go to NewRez I contacted NewRez that XXXX payment was cashed by XXXX XXXX I faxed and e mailed and regular mailed both bank copies of cashed Mortgage payments One for XXXX One for XXXX to : NewRez, Received statement I owe for XXXX from NewRez NewRes never replied and upon calling Shellpoint Mortgage Servicing the New Rez latest new department to talk to about my payment I still owe for XXXX and they received my documentations of payment but have 60 days to reply? 

So my question is why did XXXX XXXX XXXX  turn me over to XXXX when it was going bankrupt and further more why did XXXX take my mortgage when it knew it was going bankrupted and cash my check? and why doesn't NewRez respond and acknowledge my payments to XXXX? Is'nt this bad customer service? 
Why should I be tossed around three times within getting a new loan just assigned in XX/XX/XXXX? I am XXXX I just relocated to a new town and had a XXXX XXXX and this is stressful

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
purchased item on the Internet ... paid via PayPa ... l item delivered damaged ... 
seller would not refund or exchange ... 
opened PayPay dispute ... 
seller wrote to say if I cancelled the PP dispute they would send replacement ... 
cancelled dispute ... never hear again from seller ... 

NOW PayPal says that cancelling disputes absolves ; them from further responsibility and they will do nothing more to assist me ... 

This is fraud as seller promised goods in exchange for good faith action from buyer ... 

PayPal should recognize this loophole in their dispute process -- -should have disclaimers at minimum or should have some process that helps consumers who are now XXXX  by both the seller and the money transfer agent .... 

here is transaction information : Payment sent to XXXX XXXX XXXX XX/XX/2019 at XXXX XXXX  PDT Transaction ID : XXXX XXXX XXXX XXXX The receiver of this payment is Non-US - Verified XXXX XXXX XXXX XXXX XXXX XXXX Thank you for looking into this. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The following is an email I sent to Equifax today XX/XX/2019. Regardless of their response, I believe it is important to note the redundant Personally Identifiable Information that they request just to get back into their online venue. 

Dear Equifax, Recently I disputed an item online. Days later I received an email saying that the dispute was resolved and I should get back online to see the results. Upon trying to get back into myequifax, I input the wrong password twice - this locked me out of my account and gave me a toll-free number to call. Upon calling, I was tied up by the robot for 5 full minutes ( I timed it ) while you confirmed my identity, with a bunch of questions including information we are not supposed to give out over the phone to anyone according to your own safety advice ( ie Social Security Number and Birthdate among other PII ). Finally, I was connected with a representative who attempted to get all of the same information from me once again - but this time it was a foreign person and I felt much better giving the info to the robot than another person. His identical questions made me question everything he asked because I told him time and again I simply needed my account unlocked. The reason for me getting into my account should not be any of his business but he would not unlock my account without the exact reason why I was trying to log in. 
This is truly unbelievable. Equifax should be the most responsible company on the planet yet they continue to pry additional information far beyond anything that is needed for American Commerce. And two tries at a password that has not been used in weeks is outrageous. You folks owe me the response as well as some compensation for the time it has taken me to deal with this - and still without any information. 
Please mail me the response I was attempting to get or otherwise make this right. I am sick and tired of trying to fix errors in my reports. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX And you don't need anything else to identify me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am contacting XXXX  XXXX XXXX in reference due to a balance owed from a overdraft checkings account. I am requesting for a typed document which stated the amounts owed and the also the account number associated with the overdraft amount. I am requesting for the account to be deleted from XXXX, The XXXX XXXX XXXX   and XXXX XXXX and any other reporting system. For an agreement or exchange to pay this balance on my reports from years ago. The derogatory information you have provided in reference to this account is visible on my consumer report/file with the agencys listed above. As this is damaging my chances with any future banking relationship with other banks. Please acknowledge this written statement and send a balance and payment option document to the address you have on file or that submitted with this dispute.

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 2019-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/19 an account was opened with XXXX XXXX XXXX XXXX that does not in anyway belong to me. The balance {$14000.00}. I have never even heard of this credit union. I have called about this and it seems its registered to an address in XXXX, Georgia. I live in XXXX, Michigan. This is a fraudulent account!

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 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I have received letter from Spark Business capital one credit card issued XX/XX/2019 on stating " your account is being closed because the charges you typically make are high-cost transactions for capital one '' and Account closure date is XX/XX/2019. 

Basically, I didn't do anything wrong like late payments, over charged, any fraud. But there reason doesn't match with letter that they sent to me. 

When i talked with Capital One - They said they are not making money with wholesale vendors ( Like Costco, XXXX ) and unable to give cashback with large transaction so they are closing account. But what about person lost hard earn credit points while applying credit card. Even they do marketing with " Unlimited 2 % cash back on every purchase with no minimums or expiration date '' and Now they are doing fraud with customers using persons credit points ( when you apply credit card ) and Giving wrong information to customer with marketing. Also they are sending offers through marketing mail using Reservation/Access code. 

Another thing, If you ( Capital One Spark Business ) unable to give cash back or not making money from your vendor then why you making fraud to world ( Customer, Businesses, Organisations, etc ). Why customer have to face this??? 

And what about my history data? Did they steal my information since we will not doing business with capital one anymore using this fraud. 

So Please take action on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
I took out a credit card from XXXX XXXX back in XX/XX/XXXX in the amount of XXXX dollars. I filed a chapter XXXX back in XX/XX/XXXX, and the credit card amount was part of the chapter XXXX, it was discharged. 

The collection agencies which held the debt refuse to close the account. I filed disputes with the credit reporting agencies, it seems as if the credit collections are playing games also with them. The credit collections that I called today XX/XX/XXXX made me go in circle between XXXX XXXX XXXX and the Bureaus. I called these numbers : XXXX and XXXX, I was only getting back to where I started from to no avail..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: FL

Complaint narrative:
XXXX XXXX was contacted several occasions on XX/XX/2019 XX/XX/2019 as well as in XXXX in order to dispute that my payments for the XXXX and XXXX month were reporting 30 days late, although the payments were not 30 days late and they were advised that the erroneous information was impacting my ability to apply for a mortgage. XXXX XXXX never corrected the information although their own payment History shows that I was not 30 days late and XXXX and XX/XX/2019, on my Equifax and my XXXX credit report require corrections that need to take place immediately. I have tried to resolve this on several occasions via XXXX XXXX website and XXXX XXXX customer service phone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX was contacted several occasions on XX/XX/2019 XX/XX/2019 as well as in XXXX in order to dispute that my payments for the XXXX and XXXX month were reporting 30 days late, although the payments were not 30 days late and they were advised that the erroneous information was impacting my ability to apply for a mortgage. XXXX XXXX never corrected the information although their own payment History shows that I was not 30 days late and XXXX and XX/XX/2019, on my XXXX and my Experian credit report require corrections that need to take place immediately. I have tried to resolve this on several occasions via XXXX XXXX website and XXXX XXXX customer service phone line.

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 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XXXX I contacted my credit card company ( NFCU ) and reported fraud charges that were made in another country. I was in the USA at the time of these charges. 
My current balance at this time showed {$5800.00}. I was told there would be a temporary credit and once investigation was complete the credit would be permanent. 
The amount of the fraud is about {$2400.00}. 
However, today my balance in still {$5800.00} NFCU has not credited my account to reflect the fraud therefore will be reporting inaccurate information to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: TX

Complaint narrative:
I have sent by mail as experian does not allow faxing or web based uploads 3 different times the ftc report about approx 13 fraudulent accounts on my credit report company has refused to answer my calls or return them

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 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I submitted a very large payment to Pennymac by overnight mail. The tracking indicates it was received on XX/XX/19 at XXXX XX/XX/XXXXand signed for. Now it is 5 days later and they tell me they can't find the payment and that I should give them another 5 days to locate it. The payment was a VERY large amount, paid to their billing address with a cashiers check made out to Pennymac.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
my chase credit card was closed out of nowhere, I called and they said that they will do a secondary review to try to open my card but that was denied as well. I opened this card in XXXX of 2019 i have never been late and have paid off the card in full twice. I have been a Chase costumer for over 14 years and have multiple bank accounts with them and a mortgage. They closed my card without any notice and are not willing to open it back up again because they say I opened another card in last 12 months. I don't believe this is right and i would like to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
am contacting Bank Of America in reference due to a balance owed from a overdraft checkings account. I am requesting for a typed document which stated the amounts owed and the also the account number associated with the overdraft amount. I am requesting for the account to be deleted from XXXX, The XXXX  XXXX  XXXX and XXXX XXXX and any other reporting system. For an agreement or exchange to pay this balance on my reports from years ago. The derogatory information you have provided in reference to this account is visible on my consumer report/file with the agencys listed above. As this is damaging my chances with any future banking relationship with other banks. Please acknowledge this written statement and send a balance and payment option document to the address you have on file or that submitted with this dispute.

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 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accurate Background
State: SC

Complaint narrative:
Wrong address, names and birthday was given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2019, I booked a reservation at XXXX ( restaurant ) in XXXX XXXX, CA. This amount was {$1100.00}. 

The Amex Gold card is advertised to earn 4X Membership Rewards points on Restaurants. However, I only earned 1X Membership Rewards points with this transaction. 

As a consumer, it is only logical that I should earn 4X points for this, because : 1 ) XXXX is a legitimate, 3-XXXX  star restaurant. 
2 ) The only way to eat at XXXX is to book through their official website and pay. 
3 ) I booked through their official website and paid for my meal. 

I have reached out to American Express through their in-app chat feature on XX/XX/2019 but the chat agent refused to credit my Membership Rewards account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I receive multiple calls a day from a local XXXX number from my area as well as my wife at XXXX. They spoof a local number when they are located in California. Company is IQ Data, I wanted to work with them and after I set a payment for settlement they went in after and changed the amounts so the payment I had cancelled by bank as its not what was agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX LVNV FUNDING LLC Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation