vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased 2 flights through XXXX XXXX using PayPal. I Cancelled all of the flights after Paypal chose to close my account ( with no explanation ) as I feared they would cancel the flights and I would be left stranded- so I rebooked seperately. After I cancelled, I received a refund email from XXXX XXXX ( attached ). However- there is no money back on my card or in my paypal account. Paypal Transaction IDs : XXXX XXXX {$13000.00} Paid and no refund. 

I performed a XXXX complaint and CFPB complaint against Paypal and their response was " On XX/XX/2021, the Merchant attempted to send two payments to your Account for a total amount of {$13000.00} ( Payments ) ; however, these attempts were denied due to the limitation on your Account. As a result, PayPal retuned the Payments to the Merchant and we are declining your request for reimbursement. We recommend that you contact the Merchant directly for further information regarding the location of your funds. '' This is incorrect. After this response, which tells me to contact the merchant, I spoke with XXXX XXXX via a XXXX and DOT complaint. The refund was sent to Paypal in full and I have attached documentation to support this. Paypal is either deliberately lying to the CFPB or isn't actually researching the information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I have two fraudulent accounts now owned by Portfolio Recovery Associates that originated with XXXX XXXX XXXX XXXXXXXX. Neither of these account a are a result of any credit I established nor have I lived at the Ohio residence the statement summaries were sent to. The accounts are for XXXX and XXXX Acct # XXXX Amount : {$1200.00} Opened : XXXX Credit card Status : Seriously past due assigned to collections Acct # XXXX Amount : {$220.00} Opened : XXXX Credit card Status : Seriously past due assigned to opting dispute they directed me to ftc.gov and advised me to fill out complaint there and forward receipt to collections Portfolio Recovery Assoc Contact info for Collection Agency ;. 
XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX Upon attempting to file dispute they advised portfoliorecovery.comme I would need to go to ftc.gov and file it then forward receipt to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
Name : Mariner Finance Type : Individual / Applicant Account : XXXX Collection Term : 48 Months Installment, Secured Date Opened : XX/XX/XXXX In XX/XX/XXXX at the beginning of the COVID-19 pandemic, I applied for a personal loan which was denied, but I was offered an opportunity to refinance my vehicle for extra money. However, unaware of this banks predatory lending practices, I was not informed that my new loan would not include GAP insurance until AFTER I had completed the loan process and signed the paperwork. Nevertheless, for the first 5 months from XX/XX/XXXX brought XX/XX/XXXX my payments went smoothly. 

Unfortunately, in XX/XX/XXXX, I contracted XXXX and suffered from long term symptoms which prohibited me from working and ultimately led to late payments from XX/XX/XXXX through XX/XX/XXXX when I applied for bankruptcy. From XX/XX/XXXX through XX/XX/XXXX, I attempted, unsuccessfully, to contact the bank in reference to a forbearance or deferral or any type of payment relief due to COVID-19 under the CARES Act. 

I am requesting that Mariner Finance do not report late payments to the credit bureaus in accordance with the requirements of the CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XX/XX/XXXX I noticed I had an unexpected XXXX XXXX XXXX loan in my account in the amount of XXXX " as the school field. '' As of XX/XX/XXXX, that was still not fixed. I received verification from XXXXXXXX XXXX XXXX XXXX financial aid director and admissions, " XXXX did NOT borrow money from XXXX XXXXXXXX XXXX '' Those were loans XXXX through XXXX. I downloaded and, indeed and in fact, submitted the forbearance form for ADMINISTRATIVE FORBEARANCE, because my loans were not correct in my web account to view when logging in. I have image snapshots of my legal statement uploaded into the Navient system for false loans from XX/XX/XXXX at XXXX for validation. Now, I have spent since XX/XX/XXXX trying to call and tell Navient I uploaded the Forbearance form into the system, but they deny receiving a single document from me. I received an email last week saying " I am not responding '' and today I found out, UNEXPECTEDLY on XX/XX/XXXX, I am to pay on all my loans by XX/XX/XXXX. Nobody ever informed me by email of the terms of the loan changes. As of XX/XX/XXXX, they are still denying receiving my request for forbearance. On the forbearance form, I did inform them I was unemployed as a XXXX woman. I have image snapshots of the form being uploaded into the system in XX/XX/XXXX. I have image snapshots of everything I did to help manage my loans being unemployed. The emotional stress of the deceit and lies from Navient has become overbearing. I also have image snapshots from the XXXX Government site granting me XXXX until XX/XX/XXXX, however, Navient is not honoring my request. I also have emails from Navient stating, they did receive the Forbearance form in XX/XX/XXXX, but again, Navient is denying that I am responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: TX

Complaint narrative:
CFPB, you all are supposed to assist especially if the credit bureaus are not doing their jobs and I am not understanding. This is my 3rd time asking for assistance with my credit and no one is responding back to me nor investigating my disputes.. The below items does not belong to me and I am trying my best to try and buy me a house but this negative debt is hindering me. Can you all investigate these items and either provide proof of my signature or delete them. Thank you. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
This complaint bears on my previous complaint no. XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) presented the same response that Fair Credit and Outsourcing ( FCO ) has presented to the Consumer Financial Protection Bureau ( CFPB ) to the banks that issued the credit cards and lost its cases simply because the rental application I signed is void as a matter of law. The application was rendered void because XXXX failed to disclose certain material facts it was required to disclose at the time I signed the application. Both the banks that issued the credit cards agreed with me and credited back the disputed amounts. 

Having been unsuccessful in convincing the banks, XXXX is now attempting to use FCO to convince the CFPB. In its response to my previous complaint, FCO did not address the issue of whether XXXX failed to disclose certain material facts when I signed the rental application, a failure that renders my application legally void. The facts that XXXX failed to disclose but that I came to know after signing the application are known to XXXX XXXXXXXX should have conveyed the nature of the credit card disputes to FCO, but it did not. 

In essence, the application I signed is legally void and I do not owe any debt to FOTA or FCO.

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 2021-06-28 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: NY

Complaint narrative:
During Covid XXXX the XXXXXXXX XXXX XXXXXXXX were closed in my area there was no way to make my loan payment. I didn't have access to their online service. The customers services lines were down at XXXX XXXX  for a few weeks during this time. Once the bank opened I made my payments and the branch manager said she would address the problem and have the late payment removed. I found out when I applied for a line of credit in XXXX that the negative payment was still on my report. I was instructed to write a letter to the main branch XXXX east XXXX in XXXX XXXX XXXXXXXX this was XX/XX/XXXX, again I was told it will be taken care of. Still no results my credit is still impacted with a low score on Experian reports.

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 2021-06-28 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I had a XXXX credit card back in I believe XXXX. I ended up having to file a BK XXXX in XXXX of XXXX, in which XXXX was included. Fast forward eight years, now Portfolio Recovery says I opened up an account in XXXX, which isn't accurate. Funny thing is this is the first I'm hearing about this, and it's been eight years. I have only lived in two places, so it's not like my information changes much. 

They have placed this account in collections which lowered my score by XXXX points. I called to try and discuss this, and all she kept saying is file a report. Their number is XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: FL

Complaint narrative:
This Discover account has been reporting to my credit file since 2018. I have fi police reports with my local police department and an identity theft report with the Federal Trade Commission. I sent all these documents into Discover and they are still reporting this fraudulent account to the credit bureaus! This is crazy! I had my identity stolen and these people are still harassing me over what a criminal did in my name. Discover should have stopped reporting this account once they received my police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: MA

Complaint narrative:
Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXXXXXX I am writing to dispute an incorrect credit card on my XXXX  credit report. 
There is one credit card with late payment from XXXX XXXX  XXXX on my credit report. The account number is XXXX with late payment of {$450.00}. I have contacted XXXX XXXX XXXXXXXX and they confirm this account is not mine. The owner of this credit card has the same name with me, but the birthday and SSN is different. I have tried to dispute with Experian 3 times and they weren't able to remove it from my credit report and has caused many problems for 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 explanation
Consumer complaint received 2021-06-28 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 ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against XXXX XXXX and Experian XXXX. On XX/XX/2021, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of 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 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Dear Sir or Madam : Please note that my Case Amazon Visa Card, since 2019, always had a credit limit block, until last week, without notice. I callled Chase bank and they stated, " As a courtesy to our customers during Covid, we lifted the credit limit block, '' which led me to go severly over the credit limit. Its to the point where I don't know how I am going to make the payment,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28 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: NJ

Complaint narrative:
Due to the covid 19 global pandemic I was unable to make my payments on my XXXX XXXX with XXXX XXXX on time for the months of XXXX of 2020 and XXXX of 2020. I have since resolved this issue with XXXX themselves, they updated the remarks on the late payments to remove the late status on those payments due to the pandemic. XXXX and XXXX have updated my reports but Experian not only haven't, they updated it back to late status. This is hindering my overall credit thus hindering my ability to purchase a home.

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 2021-06-28 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding in accurate and unknown items on my credit report. As of today, over 30 days later I have not received a response yet. This situation saddens me and I feel like Im being taken advantage of and being ignored of my disputes. However, Section 611 ( a ), clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. I demand these accounts be delete it immediately or I will be forced to file for litigation due to the stress you caused me. Furthermore, my information was also impacted by the XXXX XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: TX

Complaint narrative:
CFPB, you all are supposed to assist especially if the credit bureaus are not doing their jobs and I am not understanding. This is my 3rd time asking for assistance with my credit and no one is responding back to me nor investigating my disputes.. The below items does not belong to me and I am trying my best to try and buy me a house but this negative debt is hindering me. Can you all investigate these items and either provide proof of my signature or delete them. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1966

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 2021-06-28 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: TX

Complaint narrative:
CFPB, you all are supposed to assist especially if the credit bureaus are not doing their jobs and I am not understanding. This is my 3rd time asking for assistance with my credit and no one is responding back to me nor investigating my disputes.. The below items does not belong to me and I am trying my best to try and buy me a house but this negative debt is hindering me. Can you all investigate these items and either provide proof of my signature or delete them. Thank you. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1966

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been trying to pay off my auto loan quick so I send in payments towards the principle balance the JP Morgan Chase app consistently changes your principle payment to ordinary payment so I have to call and complain for them to reverse it. They told me call in and make the payment directly, so on XX/XX/XXXX I made another principle payment of XXXX dollars by debit card from one account and XXXX dollars from the same account I use regularly to pay. The XXXX dollar payment was never applied to my account I called today on XX/XX/XXXX the money was taken from my account from XXXX XXXX XXXX  and it shows on my records, but Chase Bank said they never got it. Upon further review and consistent calls to Chase they stated they see the notes made by the agent who took my call they saw the notes for XXXX towards the principle payment but don't understand what happened. One agent told me to report it as fraud but said Chase would still investigate, another agent said that when my bank credits me that Chase closes its account. On my 3rd call a supervisor named XXXX informed that they believe my payment went to another account but refuse to credit me or refund me my money. The XXXX payment went to interest I complained about that they Saud they will reverse it but did not and refuse to. I have adequate proof of transactions and screen shots. JP Morgan Chase I believe is holding peoples funds to get as much interest as possible evening changing principle payments then delaying or not even reversing the charge. To tell a customer to call your bank and claim fraud and they will refund you is absolutely unprofessional and I'm curious to know how many people they have done this to and I believe this is illegal. I have called numerous times of which they say they are recorded, if you listen to the phone calls and check the notes you'll see how this company has handled my account and all the errors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
On or about XX/XX/2021, I called NMAC and was told third-party dealers were allowed to buy out leases. I attempted to sell my leased car to XXXX, but was told Nissan no longer allows third-party buyouts. 

Nissan has historically allowed other dealers to buy out leases, but has instituted a new policy and essentially changed the terms of my lease. It was allowed at the time of my lease, and are now taking advantage of the pandemic to strongarm leaseholders into car dealers to accept lower values than the market would allow otherwise.

Company response to consumer: Closed with explanation