vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, I am having trouble resolving a matter with Capital One Credit Card. I have their XXXX XXXX since 2017 and never had any issues before. I purchased something back in XXXX this year from an online merchant. It was a poster. The poster arrived ripped and it wasn't even the poster I ordered. I tried contacting the merchant several time before disputing the charge with my capital one. At first Capital One gave me a temporary credit but a couple of months later they applied the charge back on my card without based on inadequate response received from the merchant. Subsequently on approx XX/XX/XXXX I spoke with a Cap One representative who advised me on how to submit a statement explaining the issue for them to pursue this dispute. I was sent an email with a link to upload my hand written statement. I did as I was advised. On XX/XX/XXXX, I followed up with Customer Service and was told they wont be pursuing this dispute. They gave me confliction information. At first they said I was late in submitting my response then they explained a requirement with is practically not feasible. I spoke with two different supervisors and 2 diff reps over the span of 45 mins. The disputes supervisor Mr. XXXX ( ee id - XXXX ) was the one to provide info that I believe was inaccurate. Either way, he refused to help resolve the matter. In the end, I still haven't received my money I paid for something that was wrong and damaged merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NC

Complaint narrative:
For approximately 3 months XXXX Financial Services has restricted two of my accounts. My wife and I have two XXXX XXXX, one in which we XXXX XXXX XXXX, XXXX XXXX XXXX under XXXX XXXX and the other in which we XXXX  XXXX XXXX under XXXX XXXX XXXX Square has restricted both accounts and has virtually infringed upon our constitutional rights to life liberty and the pursuit of happiness. I have reached out numerous times to their customer service department with no success. I have tried to escalate to management but they will not put a manager on the phone. They keep asking for supporting information and when I submit that information many times their system will not upload it. When I provide the information to a representative they fail to update their system. Furthermore they confuse the two businesses ; they ask for COA information for XXXX XXXX and we do not XXXX XXXX XXXX  through XXXX XXXX. When I provide the COA and other information they request, it never seems to be enough. They always want more. They have our funds frozen and we can not do business. We need the merchant account to do our financial processing but we just can't seem to get to the right person who will accept responsibility and solve our problems. Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HW Holding, Inc
State: LA

Complaint narrative:
These are old accounts I've been XXXX  for the last 6 years those should have been off of my report I've been disputing and they've just updated information as if its new and its not

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 2020-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I went to purchase a car at ( XXXX XXXX XXXX ) XXXX in XXXX, Florida after being told I could get a car for less or equal my current payments and get a rebate due to my XXXX XXXX membership. I was pushed into a car loan with a {$630.00} payment which was {$100.00} more than my payment on the car I was trading in. The new loan came out to be {$30000.00} on a XXXX  XXXX XXXX, {$12000.00} more than the car was worth new and $ XXXX {$18000.00} more than it would be worth it when I drove it off the lot. The loan was made under duress as I spent 8 hours at the dealership waiting for the financing to go through. I told the finance manager at XXXX XXXX I was concerned about the amount of the payment for the car, especially because it was not the car I wanted but the car that the salesman and the dealership would get the most rebates on. I wanted a XXXX  they pushed me into an XXXX. The finance manager told me I would be able to refinance the car within 6 months. So I signed the contract because I was tired and it was XXXX. I called XXXX in XX/XX/XXXX and informed them of these practices and they said they would look into it. I had a medical accident in XX/XX/2018 which caused me to miss several days of work and end up needing XXXX. I called NMAC and told I couldn't pay the bill and could we work on a payment plan as I was going through financial hardship, they would not help. I asked to refinance the car, they said they don't do that. I called the dealership and their response was to put me in a new vehicle which I walked out of that conversation. Eventually, the lost wages caught up to me and I could not pay the car anymore and had to surrender to repossession. I tried to avoid it at all costs but NMAC would not help me. I was upfront and honest about my situation and was told I shouldn't have taken out the loan if I couldn't afford it. I didn't know 3 months later I would have an accident that would hinder me from working and cost me wages. I also would like anyone to know that finance managers are lying when they say you can refinance the car after 6 months. I have paid {$120.00} a month on the repossession since XXXX but that is a lot considering I was unemployed from XX/XX/XXXX-XX/XX/XXXX due to covid-19. I have told NMAC all of this and they still are coming after me for {$18000.00} on a vehicle that was financed for {$30000.00} that wasn't worth more than the original {$18000.00}. This loan was again made under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Revco Management, LLC
State: AL

Complaint narrative:
I continue to dispute the address on XXXX XXXX. I loved at XXXX XXXX XXXX NOT XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
To whom this may concern, I recently sold merchandise through XXXX on XX/XX/XXXX to a customer for the amount of {$150.00}. She paid via PayPal using her checking account. The funds were held by either bank or PayPal until they would clear. We waited a week and the funds would not clear as stated in the PayPal invoice which was XX/XX/XXXX, the date kept moving up the date and we decided to do a separate transaction that went through fine. Well, PayPal did not release the funds to this lady and keeps moving the date since she had a case opened. They told her she had lost her money. I told her that if they deposit the money in my account or release the funds, I would be honest and refund her but I could not at the moment because I did not have the funds yet. They refunded the money yesterday XX/XX/XXXX and refunded her the money back. Well paypal took the money from my paypal account today and debited the same amount also from my checking account.I paid this amount twice and I am out the merchandise too. I can not get a hold of PayPal and I am tired of these business practices. I need this money they took from me and so does my customer. They need to make it right and stop giving us the run around for a month. We use PayPal for our business and it makes our business look bad. Can anyone please help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
First Bank Florida held a Cash Deposit until the next day causing a NSF Charge. I made a Cash Deposit of {$140.00} on XX/XX/XXXX. This brought my Balance to {$680.00}. Later that same day I made an Electronic payment in the amount of {$650.00}. First Bank Florida held the Cash deposit until the next day and processed the Payment before the CASH CREDIT. Despite they chronological order. First Bank Florida held the Cash Deposit until the next day causing am NSF Charge Product_Or_Service : UNCOLLECTED FEE CHARGE XXXX Account_Number : 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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
These are old accounts I've been XXXX  for the last 6 years those should have been off of my report I've been disputing and they've just updated information as if its new and its not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The CMI Group, Inc.
State: LA

Complaint narrative:
These are old accounts I've been XXXX for the last 6 years those should have been off of my report I've been disputing and they've just updated information as if its new and its not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 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: MD

Complaint narrative:
XXXX, XXXX  and Experian have been reporting this inaccurate and incomplete account on my credit report since XX/XX/XXXX in violation of the Fair Credit Reporting Act ( FCRA ) even though i have been disputing the errors with each one of  them. from XX/XX/XXXX to XX/XX/XXXX i have a well documented seven months of communication via certified mail with XXXX XXXX and Experian asking them to delete the inaccurate and incomplete account which they fail to do. I was told to provide more proof or they needed more document from me to make sure i was the one or i should contact the original creditor. My time was wasted to no avail. i filed a complaint against XXXX XXXX XXXX XXXX with CFPB about this account XXXX responded and told me that they are not affiliated with the credit reporting agencies and does not determine the information that each credit bureau select to report. and that i had to contact Experian directly to dispute the fraudulent credit reporting. Notice some of the errors and inaccuracies as i also attach copies to this complaint for verification : the high balance on XXXX is {$15000.00} whereas on Experian it is {$0.00}. The Balance as the creditors stated in the letter i attach to this complaint is {$9000.00} but Experian reports {$9000.00} XXXX also reports {$9000.00} and XXXX reports {$9000.00}. The date of item removal on XXXX is XX/XX/XXXX whereas on Experian it is XX/XX/XXXX. The most outrageous and disgusting thing is that Experian has reported two payments of {$410.00} each without the consent of the creditor in XX/XX/XXXX and also in XX/XX/XXXX even though this account is closed and still the account balance did not change in the process. This only goes to prove that the credit reporting agencies can care less for the Fair Credit Reporting Act ( FCRA ) and hurt consumers as they wish.

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 2020-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I have been a victim of identity theft for years now, there has been a recent reporting of " A XXXX XXXX XXXX '' that I have not applied for. On recent credit report their is an assigned date and no collection date. I have not received any billings or correspondence from said " XXXX XXXX XXXX '' I have uploaded an affidavit proving my various instances of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I pay off my Synchrony Bank Verizon Credit Card each month. This month was no different. They are holding part of my payment. Here is what they told me in a chat window : XXXX XXXX Thank you for your time and patience. Upon checking, you made a payment for {$1400.00} on XX/XX/XXXX. It appears that the payment was partially placed on hold. The amount of {$870.00} that was placed on hold is scheduled to be released in 4 days from today. I sincerely apologize for the delay. 

The payment hold may happen for various reasons : Large number of payments made within specific time period. Previous Returned checks. Payments on new accounts. Out of pattern Payments. Amount of Payment ( high payments are generally held to ensure they clear ). Rest assured that once the payment on hold has been released, it will be added to the available credit right away. 
END CHAT So in effect they are holding part of my payment for 8 days. 

I have had NO returned payments, this is not out of pattern, the account is a few months old. The payment cleared on XX/XX/XXXX with my bank. I made XXXX other payments this cycle, but is this a large number of payments? 

Seems like they are taking liberties here that the don't need to take with me. 

More chat text from manager : XXXX XXXX : Thank you for waiting, XXXX. I'm XXXX, one of the managers. I can read through your conversation with my representative, if I may. I'll need a few minutes but you may also describe to me how I can help. 

I see that your recent payment has yet to fully reflect on the account. I understand that the hold is not favorable to you at the current time. I'll see what I can do. However, I don't want to provide any wrong expectations. All payments may be reviewed and may not update the available credit. Though we don't have the specific reason for the hold, based on my observation, it may be for 2 reasons - payment pattern and fairly new account. 
END CHAT

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 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: PA

Complaint narrative:
Repeated phone calls throughout the day as well as text messages. My parents are receiving calls that they shouldnt be receiving using my name. They call at least XXXX times a day to my cell phone and at least once to my parents home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America will not allow even an appointment without passing telephone banking questions, has failed to update my contact after numerous attempts. Will not mail my credit card to other than a private residence. Can't access my money am homeless. Very bad banking.

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 monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECK INTO CASH INC.
State: TX

Complaint narrative:
I have been a victim of identity theft for years now, there has been a recent reporting of XXXX XXXX XXXX XXXX XXXX  '' that I have not applied for. On recent credit report their is an assigned date and no collection date. I have not received any billings or correspondence from said " XXXX XXXX XXXX  '' I have uploaded an affidavit proving my various instances of identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Since XXXX of this year customer representatives from this company have continued to mishandle my account. I've been waiting for a transfer since XXXX of funds I have in my account. Customer representatives have blatantly disregarded my life in this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 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: AR

Complaint narrative:
PLEASE NOT THIS EXPERIAN CLOSED MY LAST COMPLAINT BY FALSELY ACCUSING ME OF USING SOMEONE ELSE TO SUBMIT MY COMPLAINT AN DISPUTE. THIS IS NOT ONLY IRRELEVANT, BIASED, AND 100 % COMPLETELY FALSE WHEN EXPERIAN HAS NO WAY OF PROVING THIS FALSE ACCUSATION. HOW COULD I NOT BE THE ONE SUBMITTED THE COMPLAINT WHEN THE ORIGIN OF MY COMPLAINT AROUSED FROM A PHONE CALL MADE TO EXPERIAN ON XXXX AT XXXX XXXX   FOR 38 MINUTES AND 39 SECS FROM MY MOBILE NUMBER XXXX. THIS RESPONSE IS TOTALLY UNACCEPATBLE AND I WILL NOT ACCEPT IT SO THEREFORE****************** **** PLEASE LOOK AT THE IDENTITY THEFT AFFIDAVIT ATTACHED****I recently spoke with a representative by the name of XXXX XXXX with EXPERIAN CONSUMER AFFAIRS DEPARTMENT. I EXPLAINED TO MR. XXXX THAT TWO ACCOUNTS BY THE NAME OF XXXX AND XXXX PLUS BOTH WERE OPENED earlier this year fraudulently without my knowledge or consent. I informed Mr. XXXX these accounts have both been removed from my XXXX  and XXXX credit reports and asked what is EXPERIAN DOING DIFFERENT TO NOT REMOVE THESE ACCOUNTS AFTER RECEIVING BOTH AN IDENTITY THEFT AFFIDAVIT AND POLICE REPORT. MR XXXX STATED THAT HE COULD NOT EXPLAIN WHY XXXX  OR XXXX   HAS DELETED THESE ACCOUNTS AND THAT ALL BUREAUS ARE SUPPOSED TO USE THE FAIR CREDIT REPORTING ACT GUIDELINES FOR VERIFICATION. MR. XXXX STATED THAT BOTH MY POLICE REPORT AND FTC REPORT DID NOT APPEAR OR LOOK TO BE VALID. I ASKED MR XXXX WHAT HE MEANT BY THAT COMMENT AND HE STATED HE COULD NOT GO INTO ANY DETAILS WHICH DIDN'T MAKE ANY SENSE TO ME. I FEEL EXPERIAN & MR XXXX ARE BEING DISCRIMINATORY AT THIS POINT BY ACCUSING ME OF SUBMITTING FALSE DOCUMENTS WITHOUT HAVING ANY PROOF. I EXPLAINED TO MR. XXXX IT IS IMPOSSIBLE TO COMPLETE AN IDENTITY THEFT AFFIDAVIT WITH INCOMPLETE INFORMATION. ALL AREAS OF THE AFFIDAVIT ARE NOT REQUIRED TO FILL OUT TO COMPLETE SUBMISSION SUCH AS EMAIL ADDRESS & ETC. I ASKED MR XXXX WHAT IS IT THE CREDITORS ARE SENDING EXPERIAN FOR THEM TO VERIFY THESE FRAUDULENT ACCOUNTS BELONG TO ME AND HE STATED THEY DO NOT PROVIDE ANY PERSONAL INFORMATION OR PHYSICAL DOCUMENTATION. I THEN EXPLAINED TO MR. XXXX THEREFORE ANYONE OR INDIVIDUALS WITH MY PERSONAL INFORMATION COULD EASILY OPEN OR ESTABLISH ACCOUNTS IN MY NAME AND IMPERSONATE ME. EXPERIAN CONTINUES VIOLATE MY CONSUMER RIGHTS BY REPORTING THESE FRAUDULENT ACCOUNTS TO MY CREDIT FILE. BOTH OF THESE ACCOUNTS SHOULD HAVE BEEN BLOCKED IN ACCORDANCE TO THE FCRA SECTION 605B. I  FIND THIS TOTALLY UNCACCEPTABLE AND IS A BIASED DECISION ON THERE BEHALF. EXPERIAN HAS PROVIDED NO PROOF OF 100 % ACCURATE VERIFIACTION OF THESE ACCOUNTS AND HAS VIOLATED MY RIGHTS BY FALSELY ACCUSING ME OF SOMETHING I HAVEN'T DONE.

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 2020-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
CBE Group contacts me daily regarding an account that has already been resolved as identity theft through XXXX XXXX. Someone located at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NY has committed identity theft using my name. I have repeatedly asked CBE Group to stop calling or to send me something in the mail. They keep talking over me and ignore my requests. I have contacted XXXX XXXX and asked them to notify CBE Group and XXXX XXXX has assured me that they will resolve the matter, yet I still receive the daily calls from CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: OH

Complaint narrative:
9 inquires on my credit was not authorized. I tried to resolve the issue with Equifax and the company, but the inquires have not been resolved properly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I received a letter from the company in my previous complaint and I did as asked of me the company provided the non working fax number to send the police report. I also emailed the company in no response. Also called and left messages about getting the matter deleted from my credit report still no one has answered my attempts. I also sent copy of the police report by mail the company can see that it's an issue.

Company response to consumer: Closed with explanation