vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
To me this boils down to one overarching issue and I can only guess that I'm just 1 of 100 's of thousands of Americans who have experienced this. 

Issue : XXXX/PayPal XXXX have too much reliance upon automated algorithms for customer account security at the expense of simply allowing customers to prove account ownership via answering questions. Both companies claim they have limited parameters for consumer questions and when exhausted can not provide account access. 

Their response is simply to " open a new account '' and will not provide any reasons for such actions. 

Consumer recourse to reach a human agent on the phone of either company is nested so deep in their websites that it is nearly impossible to reach a human agent for timely resolution of account issues. 

Additionally, when those resources are found within their websites many times it then asks for the consumer to login to make contact with the company from the same accounts they are currently locked out of. Thus creating a loop where the consumer has even more limited options of reaching the company for assistance. 

Timeline : XX/XX/2020 - I spent 3 hours tediously web chatting with eBay until finally reaching an agent on the phone who was able to provide access. 

XX/XX/XXXX. 2020 - I spent 2 hours tediously web chatting with PayPal and was never able to speak with an agent. My account access was never restored during that time even after answering all of their questions with 100 % accuracy. 

These two dates only represent account lockouts happening since I began documenting the interactions across the XXXX/PayPal XXXX as there have been multiple prior occurrences even though I use both companies very infrequently. 

It's also worth noting the account lockouts occurred after I had successfully logged in to XXXX and PayPal respectively earlier on both days prior to the account lockout.

These two dates also represent the longest periods of account lockout and in the case of PayPal, there is no resolution to-date.

In the case of PayPal which is a registered XXXX XXXX XXXX ( XXXX Registration Number : XXXX ) with XXXX, Im amazed that they are able to wield so much power over consumer finances yet offer so little consumer service and fair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a bank account with Wells Fargo about a year ago Ill open up the account XXXX   XXXX  friendly one of my account and try to take {$100.00} out of my account I noticed when I was at work Ill call Wells Fargo let them know that it was a fraudulent transaction they denied my claim and I told him I want to close that account because Im not using that account anymore I have a new account I accident on todays date the XXXX to close the account again any constantly keep giving me problems by closing the 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 2020-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
XX/XX/2020 I paid my loan off in full. The information I received in regards to the payoff amount was varied so I paid over. I paid the loan off in form of a cashiers check. I am sue a refund of XXXX . NetCredit says they will not issue a refund until after 30 days this is appalling given I have paid the company over XXXX in interest and I had the loan for 14 months. If my refund is going to be held I want daily interest applied towards my refund amount as they charged me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: MI

Complaint narrative:
i have sent these companies several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, i have not received a response or results from these agencies. my local law enforcement advised me to file a ftc report and send it to the 3 credit reporting agencies which i have done, but they have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B these agencies are tyo block any and all fraudulent information. i will be including a copy of my FTC report which is the only documents by federal law that i am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes

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 2020-10-24 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: The CMI Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX  had an accounting error regarding an outstanding balance due on my closed account. This was then sent to a debt collection agency, Credit Management. XXXX XXXX  agreed to resolve the error and request that the debt collection be removed from my credit reports, by contacting the collection agency, Credit Management of XXXX XXXX XXXX, XXXX, TX, XXXX. The collection notice was only removed from one credit reporting agency ( XXXX  ), however, not removed from XXXX  and XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was given a USBank ReliaCard that allows me to receive Pennsylvania Unemployment Insurance funds weekly as a result of Covid19 impact to my ability to work. I have two complaints about this Bank that have required extensive time to get a response from the USBank. My complaints : 1. REMOVING AND WITHHOLDING FUNDS ( {$1500.00} ) from my card and informing me that there was fraudulent use of my account. They have NOT redeposited  these funds back into my as of this date ( XX/XX/2020 ). I discussed this issue with the Customer Service Department the first week of this month.

2. HARRASSMENT OF THE CUSTOMER by requiring you to hold on the phone for at least hour before they connect you with a CS Representative ( CSR ). That CSD, after certifying that you are a customer, then transfers you to another CSD. I have been  DISCONNECTED by this second CSD 5 times in contacting this company over the last several months. I am required to start the process again again and wait for at least one hour until another CSD answers validates my name, etc. and hands me off to another CSD.

3. SENDING LETTERS WITHOUT BANK IDENTIFICATION : I have received several letters from Cardholder Services. These letters have the first four and last four numbers of my Debit Card and additional information. Two of them identified that there was  'fraudulent use ' of the card. No information about when these situations occurred.

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 2020-10-24 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
* XX/XX/20 - Bought 3 plane tickets to XXXX from Chase ( actually called my credit card number so Im not sure of the distinction between Chase Travel and Chase ).

At this point there was little to no talk about the Pandemic issues 2 were charged to my Sapphire card - {$3400.00} 1 was bought using XXXX points from my Sapphire account ( equiv cash value = {$1300.00} ) * Flight was supposed to depart XX/XX/XXXX return XX/XX/XXXX * Travel Ban to XXXX imposed XX/XX/XXXX 1.News was reporting the travel ban was going to happen. It was at this point and for the ban reasons alone that I cancelled all reservations ( I am not sure of the exact day but it was  within days of the XX/XX/XXXX Travel Ban ). Their position that these were no cancellation reservations is invalid because I did not cancel for my reasons - I could not take the flight!

2. Right about the same time ( again not sure exactly but within days ) I disputed charges with Chase Travel and on the Chase Sapphire credit
card 3. To this day I have not paid for two of the tickets. I have paid for one with my points which I am asking for a refund.

*Through seven months of you dont have to pay/you have to pay just last week was again told I have to pay for a flight I couldnt take. The merry go round continues. I am receiving bills with interest and late charges accruing for the two tickets originally costing {$3400.00}.

Find the following four ( 4 ) enclosed items that provide additional details : 1. Letter submitted to local Chase Rep XXXX - ( XXXX XXXX - VP/Branch Manager - Consumer  Banking - XXXX ) I was getting nowhere with the phone support people - hoped a real person would help the situation - she was very kind and forwarded it onto corporate - we/she recently received corporate response ( XX/XX/XXXX below ) XXXX agreed with my position but said her hands were tied its a corporate thing- she can do nothing else to about it but offer advice to take this to a lawyer - no lawyer wants any part of this.

2. XX/XX/XXXX - were please to tell you weve resolved your dispute 3. XX/XX/XXXX - most recent just kidding we didnt resolve your dispute - you need to pay this 4. Original email booking confirmation from Chase Travel

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Conn's, Inc.
State: LA

Complaint narrative:
Conns took a payment of XXXX out of my bank account for an account that was already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: MI

Complaint narrative:
i have sent these companies several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, i have not received a response or results from these agencies. my local law enforcement advised me to file a ftc report and send it to the 3 credit reporting agencies which i have done, but they have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B these agencies are tyo block any and all fraudulent information. i will be including a copy of my FTC report which is the only documents by federal law that i am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes

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 2020-10-24 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: MI

Complaint narrative:
i have sent these companies several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, i have not received a response or results from these agencies. my local law enforcement advised me to file a ftc report and send it to the 3 credit reporting agencies which i have done, but they have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B these agencies are tyo block any and all fraudulent information. i will be including a copy of my FTC report which is the only documents by federal law that i am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: MO

Complaint narrative:
I filed a dispute regarding theXX/XX/XXXXaccount with Equifax, and received a report dated XX/XX/2020 alleging that the account had been verified. I settled the account with XXXX during XXXX and received a receipt from them on XX/XX/2020. This means that the account could not have been verified on XX/XX/XXXX or they would have known that the account had been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: MA

Complaint narrative:
inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the  XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: MA

Complaint narrative:
inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of
contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the  XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Hi TJX MGR ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2020-10-24 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: MI

Complaint narrative:
it has been more than 30 days since i have mailed in my disputes and ftc report to Experian and i have not heard anything from experian at all. they are playing with peoples lives, not doing there jobs acting like they have not received peoples disputes or ftc reports. the inquires listed on my FTC REPORT are fraudulent inquires and should be deleted immediately. i have filed a identity theft report to the ftc and included that report along with my disputes. there will also be a copy of my social security card and state id so Experian can identify 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 2020-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I haven't spoken with the company about this matter, I only remember them from an issue over a medical bill I didn't owe before. They call every day at different times. They keep my caller ID filled with calls but never leave any information. They don't leave a message and they haven't sent me any information in the mail about their reason for trying to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
This debt is unverifiable and incorrect and needs to be deleted immediately!

A letter request was sent on XX/XX/2020 to Pacific Credit Exchange to verify the information when there's obviously no proof this account was actually verify for validation the itemswas not received.

I contacted Pacific Credit Exchange and I was told from XXXX XXXX I do not have the right to request or receive this information. Not only have they ignored my prior requests for validation of debt { proof enclosed } Send copies Of previous letter or certified mail receipts with letter } but pacific credit exchange continue to report this debt.

Unverifiable Items -Proof of your right to/collect this alleged debt -Date of repo and location, -A comlpete detailed history of all transactions { including payments, credits, NFnf checks, returns -contract bearing my personal signature

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