vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Hi, My wife had contacted this person " Holistic Healings - XXXX XXXX '' on XXXX to purchase XXXX oil for my husband 's XXXX. He asked me to transfer {$1500.00} for the XXXX oil. So I asked my husband to transfer {$1500.00} to his paypal.account. The money was transferred to this person on XX/XX/04. Please see the attached document. He promised that i will receive oil in 2-3 business days. 

After that he reached out again to my wife on XXXX again saying that your shipment is held by the custom departments of the delivery company and they want more {$350.00} to release the package. The website of the company through which it was shipped was XXXX. When I looked at the website it was a similar to XXXX XXXX and that's when I realized that I was scammed. 

I have not yet received the XXXX oil. I see that this transaction is not yet complete. Could you please help me in cancelling the transaction? I can provide the XXXX chat that I have with this person. 

My paypal id is XXXX and the money was transferred to XXXX. 


Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
On XX/XX/2021 I, XXXX XXXX, paid Portfolio Recovery in the amount of {$300.00} to pay off the amount owed for a collection. The account shows settled in full. The credit reports still shows as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: MO

Complaint narrative:
I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report on XXXX and I have yet to receive a response. Therefore, I made a complaint on XX/XX/21 on behalf of Experian. Experian responded saying they needed my authorization on XX/XX/21 to proceed with the complaint. I called in to give them my authorization but they said they did not have my complaint on file, which is a lie because I have proof of submitting the complaint. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. It's been more than 90 days. I feel like I'm being taken advantage of and my consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!

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 2021-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: VT

Complaint narrative:
On XXXX I received this unsolicited email from XXXX ( I have no prior relationship with this company, so this is unsolicited email # 1. It also purports to have sent me a debit card that I did not request. ) " " You've taken the first step towards opening a Netspend All-Access Account by XXXX. Your new Netspend All-Access Account by XXXX materials should arrive in XXXX business days. Once you receive your Account Materials, be sure to activate your debit card and verify your identity. 
" " I have received subsequent emails about " activation '' on XXXX XXXX XXXX XXXX and XXXX I have not received this purported debit card, and worry that it could be in the hands of an identity thief.

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 2021-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
Hello, This is XXXX XXXX formerly of XXXX XXXX XXXX XXXX Maryland XXXX We had a home that was serviced by Ocwen. 
I have requested many times about funds that are available to us. 
Ocwen sent us an email also about the funds. 
We are getting Ghosted by Ocwen lawyers and there response is we are harassing Ocwen. 
Yes Ocwen has responded many times with a blank statement but no communication on how much the funds are. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One charges late payment fees since month of XX/XX/2021 until XX/XX/2021 when reported on COVID 19 assistance, and reduced income. The {$38.00} fees is posted to the balance in excess fees on the remainder balance which is accounted to {$260.00}. I have currently catch up with payments which takes XXXX business to post limiting credit on available purchase due to hold put upfront, I spoke with supervisor of customer service complaint team, and they said that they don't have way to reverse these late fees on system which acts slow in processing payment electronically between banks. One recommendation I got from Capital One customer service was to go cash out money from the bank, and pay it to nearby Capital One Bank credit card department which sounded inappropriate. This doesn't seem to be service as usual during COVID 19. Capital One is incurring recurring late payment fees when system takes XXXX business days to post payment by putting hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/2021 I got an email from XXXX stating that I could apply to an Apple Credit card without impact to my credit score. I applied and a hard inquiry was added to my report. 
I requested to have this hard inquiry removed from my XXXX by Apple. They refuse to do so. 
This is misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: CITIBANK, N.A.
State: IN

Complaint narrative:
Investigation is at 45 days and still no results.

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 2021-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I got an email from XXXX stating that I could apply to an XXXX Credit card without impact to my credit score. I applied and a hard inquiry was added to my report. 
I requested to have this hard inquiry removed from my Transunion by XXXX. They refuse to do so. 
This is misleading advertising.

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 2021-12-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I got an email from Experian stating that I could apply to an XXXX Credit card without impact to my credit score. I applied and a hard inquiry was added to my report. 
I requested to have this hard inquiry removed from my XXXX by XXXX. They refuse to do so. 
This is misleading advertising.

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 2021-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One is incorrectly reporting the balance owed on my credit report. The balance is half of what is being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Byrider Franchising, LLC
State: CO

Complaint narrative:
On XXXX XXXX I signed a loan with CNAC XXXX for a car loan - later on this car was totaled - we fought the company on paying off the remainder of the car loan ( {$5100.00} ) - the car company ( JD BYRYDER claimed we did not pay for GAP insurance even though this payment was collected at the time of signing the car loan. This company never budged on paying for the car so we initially took a hit and stopped paying on the loan- which caused this account to be closed and wrote off as a bad debt for the remaining balance on XXXX XXXX ( {$5100.00} ). This account should have then fell into collections. IT DID NOT. INSTEAD, it looks like a new loan was opened Fraudulently, without my knowledge on XXXX XXXX for the balance of {$5100.00} AS A NEW LOAN through XXXX XXXX XXXX. This account was then closed XXXX XXXX for the same balance ( {$5100.00} ) because no payments were being made as I was unaware of the account being opened in my name under my social security number. There is now a collection agency attorney trying to collect this debt from me via XXXX XXXX XXXX which is the account that was opened as a new loan without my knowledge or permission. This collection agency is XXXX family members of mine at their permanent address which I do not reside at ( most recent was XXXX XXXXXXXX XXXX XXXX XXXX ) - not acceptable. I need this reviewed and taken off my report as it was opened fraudulently. 

CNAC XXXX IS THE ONLY ACCOUNT I GAVE PERMISSION TO USE MY PERSONAL INFORMATION FOR A LOAN. Which should now be in collections. 

MERCHANTS FINANCE DID NOT HAVE MY PERMISSION OR ACKNOWLEDGMENT TO OPEN A NEW LOAN ACCOUNT FOR THE BALANCE OWED TO CNAC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: IL

Complaint narrative:
On XX/XX/2021 I spoke with a representative from equifax. I informed them 2 account on my credit had already been removed from my XXXX and XXXX report due to identity theft/fraud. I was told to submit another dispute in which I did, the accounts in question were XXXX XXXX XXXX XXXX and XXXX credit card both fraudulent accounts. It took equifax a few days and I was sent a email saying the dispute was done and nothing changed. I contacted equifax again and explained to to them I already spoke with the companies regarding this and the accounts are removed from the other bureaus and I was told to resubmit it, it was not removed because I did not provide the correct account numbers. I have went back and foward with equifax with no solutions in site the company has violated my rights and report inaccurate information to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Purchase a puppy online and made {$400.00} deposit via XXXX payment through my Jp Morgan Chase checking account. Turned out it's fraudulent sale. Contacted my bank to stop or reverse money payment but informed that they can not do anything. Tried calling XXXX but won't accept my call, instructions said to call my bank. I am being given a run around to cancel or reverse transferred money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX and I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX A XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my passport, social security card, and bank statement ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: PA

Complaint narrative:
I filed a dispute with Experian and XXXX about inaccurate information being reported on my credit report on XXXX from XXXX XXXX XXXX. its been well over 30 days and I have yet to hear back from them.i demand that these items be removed from my credit 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
Consumer complaint received 2021-12-19 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: KY

Complaint narrative:
Complaint XXXX : Experian I recently reached a settlement agreement with XXXX XXXX XXXX from a past due bill. After my XXXX had check in hand and I signed the agreement I waited a few weeks then disputed the charge to have it removed. For whatever reason Experian is the only credit bureau that seems to not want to remove this after submitting the proper documentation as proof they refuse to remove the collection, it has already been removed from the other XXXX credit bureaus XXXX XXXX XXXX XXXX ). I can't understand why they won't remove it, I have paid the debit so why keep it on me unless it's just to bully me for whatever reason beyond my understanding. Any help with this would be greatly appreciated. Thank You

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 2021-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
NCA NEVER RESPONDED TO MY VALIDATION REQUEST, THEY ARE REPORTING TWO ACCOUNTS FROM THE REPORT. BOTH OF THE ACCOUNTS REQUEST FOR VALIDATION WERE TOTALLY IGNORED. NEVER GAVE ME A PROOF I OWE THE DEBT. THE DATES ON THE REPORT ARE ALL INACCURATE WITH ALL THREE BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: AZ

Complaint narrative:
AWA COLLECTION IS REPORTING A DIFFERENT AMOUNT IN MY CREDIT REPORT EVERY MONTH. BALANCE IS INCONSISTENT. WHY IT IS ALWAYS VERIFIED IF THEY CAN NOT EVEN REPORT AN ACCURATE INFORMATION. THIS IS A VIOLATION! SEE ATTACHED EXAMPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2021-12-19 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: MoneyLion Inc.
State: AZ

Complaint narrative:
Ive contacted MoneyLion XXXX times over the past 12 months to request proof of late payments. When disputing the information with the XXXX credit bureaus, each time, moneylion has retaliated by adding more negative payment history to my reports. This is extremely frustrating because I was never late on this account and in fact I paid off this account many months early. In addition to paying the regular payments of the loan, they also deducted monthly membership fees that were extremely confusing and resembled additional interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2021-12-19 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: NCB Management Services Inc.
State: PA

Complaint narrative:
I filed a dispute with XXXX and XXXX about inaccurate information being reported on my credit report on XXXX from NCB management services. its been well over 30 days and I have yet to hear back from them.i demand that these items be removed from my credit report immediately.

Company response to consumer: Closed with explanation