vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S DEPT OF EDXXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT EDXXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF ED/XXXXXXXX/XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reported the following accounts to all 3 credit bureaus : XXXX - {$1900.00} XXXX - {$1200.00} XXXX XXXX XXXX - {$2000.00} XXXX - {$180.00} XXXX - {$240.00} These accounts were reported on the following dates : XXXX/XXXX/2020 XXXX/XXXX/2020 XXXX/XXXX/2020 XX/XX/2020 XX/XX//2020 Each letter I sent to the credit bureaus have been with no response. 

I sent letters exercising my rights to request identifying information about these accounts. I also sent letters to exercise my rights to request the method in which these accounts were verified. I have not received anything from the credit bureaus. I always allow sufficient time for my request to be investigated but they are never 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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reported the following accounts to all 3 credit bureaus : XXXX - {$1900.00} XXXX - {$1200.00} XXXX XXXX XXXX - {$2000.00} XXXX - {$180.00} XXXX - {$240.00} These accounts were reported on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 Each letter I sent to the credit bureaus have been with no response. 

I sent letters exercising my rights to request identifying information about these accounts. I also sent letters to exercise my rights to request the method in which these accounts were verified. I have not received anything from the credit bureaus. I always allow sufficient time for my request to be investigated but they are never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: FL

Complaint narrative:
In late XXXX of 2020 I booked 2 tickets for round trip to XXXX for XX/XX/2020. When the global pandemic of COVID19 grounded all international flights I contacted the website ( XXXX ) where I purchased my tickets about a refund. They told me I had to request it from the airline, so I contacted the airline ( XXXX, who were the ones who charged my card ) and requested a refund. They told me I had to request it from XXXX. I was in the middle of this back and forth for months. I then reached out to Chase for assistance in getting a refund but my claim was denied and the charges were deemed valid Im not disputing the validity of the charges, Im requesting a refund because travel outside the US is not feasible at the moment or for the foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There is an old Capital One account being reported on my credit report. They Claim I made a payment on XX/XX/XXXX of 2017, I have no recollection of this debt or making any payments on that specified date. I called to get as much information as I can about this debt and I found out this debt has reached its statute of limitations. However, the credit bureaus have done a really poor job investigating this account and getting back to me. The company reporting this debt is XXXX XXXX, they're reporting this debt to XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have tried on two different occasions in XXXX and in XXXX to try to report fraud on my account, Chase keeps saying its my fault and putting the money in my card for me to pay and my FICO score has been destroyed. I am a victim of fraud and my credit has been destroyed through no fault of my own and Chase will not give me my thousands of dollars back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
For the last two months or more we have received 4 different emails from PayPal from people who bought things at different stores. In order to resolve these issues I have called the stores one being XXXX  and the Other XXXX XXXX XXXX XXXX They have told me the charges were real and that my email address was not on their accounts. I even spoke to the store in Florida and we live in XXXX  and they knew the lady and assured us that is was a real charge and she didn't have my email address on the account it was something only PayPal could correct. Upon talking to PayPal they are refusing to address the issues and saying it is spam and I tried very hard to explain that it wasn't it is real. Each email was also sent to their XXXX so they know about them and are refusing to look in to the problem and try to resolve it. Peoples names and email addresses are on these and in my opinion PayPal is providing personal information which is against the Hippa law. All I am trying to do is have this fixed and stopped. I spoke in detail to XXXX XXXX XXXX  and they agree with me that it is real and should be looked into by PAYPAL. When I call PayPal gives me a difficult time and we argue on the phone or they refuse to talk to me. I have done more than half of the work talking to the stores and spending my time to fix a problem that is PayPal and they are refusing to do their part by sweeping it under the rug calling it spam. I could have cancelled these orders but the stores asked me not to as they felt the customer knows nothing about my email address and it is a PayPal mistake which PayPal refuses to do anything about. I am just the customer who is being treated like dirt and I am trying to correct their mistakes while they sit and refuse to do anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
PennymacUSA has an option on their website for a payoff demand. I was curious so I decided to click on it. There wasnt a disclosure indicating a fee would be charged. If there was, I would not have continued. I called and explained this and they refused to remove the fee and said they are not required to disclose any fee charges. In my opinion, all fee charges should be disclosed. The fee appeared on my monthly statement but does not appear on their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank, which is the financial institution behind Care Credit and Amazon XXXX Store Card, is forcing customers to choose between paper statements or electronic statements. Card holders can not have both. Choosing paper does not financially benefit the consumer. I choose paper statements, but if I misplace my statement or need access to it while out of town, it isn't available online. Synchrony is forcing consumers to go electronically for profit because a ) they incur less cost for printing and mailing and b ) hope consumers will forget their due dates thus Synchrony profits from late fees. This is predatory and gross.

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 2021-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I received a Target credit card that I did not apply for. I notified Target and filed fraud, in which they responded by closing the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 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: NJ

Complaint narrative:
WRONG NAME REPORTED ON CREDIT FILE - XXXX XXXX and XXXX XXXX WRONG ADDRESS REPORTED ON CREDIT FILE - XXXX XXXX XXXX XXXX, NJ XXXX AND ( XXXX XXXX XXXX, GA XXXX ) ALSO ( XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Client Services, Inc.
State: NV

Complaint narrative:
Beginning on XX/XX/2021, I started receiving calls from an unknown company named Client Services , Inc., a company I learned through XXXX to be a collection agency. They placed incoming calls from the number XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX of which I answered, but the call was automatically cut off. I also attempted to call back on XX/XX/XXXX but the line would not connect. Finally, on XX/XX/XXXX, I received a call from an alternate number, XXXX, and an actual agent was on the line. When I heatedly informed her that I was aware of the nature of her business but not my business with her and demanded to know why they were making these harassing calls, she became quite belligerent and, after checking her papers, told me she was calling about my {$3000.00} credit account with XXXX XXXX. 

Although they have lovely furniture, I have done business with XXXX in my life and own none of their pieces. When I informed the agent of that, she told me to hold on ( shuffling papers, whispers... voice returns to line ) - Oh yeah, I had the wrong information here. I told her, " That's right, you do, '' and ended the call. I am confused by the mix-up, but I'm furious about the harassing tactics that they used. This mix-up could have been much easier resolved if they simply spoke to me on their first call like an actual professional company - or if somebody even answered the callback number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXX/XX/XXXX {$120.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2019 - This inquiry does not belong to 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 2021-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I bought this vehicle in XXXX and then moved to Missouri. In Missouri the state requires they have the title or a Department of Revenue form signed by lien holder stating they will not send the title. I'm simply trying to register this vehicle in the state of Missouri and can not get the form I need to do so. I mailed a change of address along with MO form 5834 to the lien holder several weeks ago. I even included a return address stamped envelope. I sent these forms to all lienholders at the same time. I have all others back. Monday of this week I called to be told it was never received ( but my address got changed ) and was asked to fax the form. The form was faxed on XX/XX/2021 at XXXX CST. I engaged in chat today with someone from XXXX and I still have no resolution. They are now telling me that they've just requested my title back from Arizona and that will take 7-10 days and then they'll send it to MO and will not notify me. This makes no sense whatsoever. There is an option to state on the form that they will not provide title and a place to sign so I can get all my vehicles registered and insurance changed but they won't do that????? I'll try to enclose the chat if there is a place for attachements because this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was told by a Bank of America representative over the phone that as long as I made my payment by XX/XX/2020 ( COVID RELATED ) it would NOT negatively impact my credit. I was relying on BOA 's reps and warranties to be true and accurate. I later found out that the info that I was given was not accurate which then caused my credit to be negatively impacted because of this. The damage was already done by the time I was eventually told that this was not accurate. As a consumer I was/am relying on BOA 'S reps and warranties to be accurate and fully disclose any and all information at the time of speaking them. Especially during a PANDEMIC!!!!!!

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 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: AL

Complaint narrative:
I received a prepaid card from Brinks at my address with my info in the mail today. I have recently been a victim of identity theft in another state claiming unemployment under my social security number so to receive a card that I never applied for needs reported.

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 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is the 4th attempt I am making to recover my wire transfer that was done on XX/XX/XXXX, for {$37000.00} to XXXX XXXX to Capital One Bank, Members Account number : XXXX from my bank XXXX XXXX XXXX XXXX. Capital One bank did not deposit the money into XXXX account. I was told that the customer does not exist no more. I now believe Capital One does not want to return my money. 
Please refer to complaint : 1. XXXX 2. XXXX 3. XXXX My bank XXXX tried to reach the XXXX  on this letter and so do I. No one picks up the phone. XXXX XXXX the data to CFPB tracking Number XXXX that you have received it on XXXX XX/XX/XXXX. 

In the 3rd reply from Capital One bank, they have asked the XXXX letter in a certain format that XXXX has provided it two different times. I am requesting Capital One should give me one person that I can deal with the issues to come to a solution. 

I also need a functioning number that my bank and I can talk to. 
Please see all attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
I have disputed these 6 accounts multiple times, and I have not received anything in the mail from " Arcadia Recovery Bureau '' AT ALL! I am not sure the company even exists, I keep finding a college called Arcadia when I XXXX search, does this college teach credit reporting? I have no idea what to do or who to turn to. PLEASE HELP ME! 6 ACCOUNTS ON MY CREDIT AND THEY CAN'T EVEN SEND ME ONE PIECE OF MAIL! OUTRAGEOUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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:
On XX/XX/XXXX my bill for account SYNCB/WALMART ( XXXX XXXX. XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I applied for Barclays XXXX XXXX XXXX and for my first payment through Fund transfer. 
The fund transfer went through fine but they then 2nd day they said the payment was reversed, Unfortunately, this bank did not have a fund verification system in that place to validate if my account was correct. I tried the 2nd time and they did the transfer went through but next day it said payment return I had more XXXX money in bank account so there is no issue of no funds, I am not sure if i mistyped or not because the numbers were blanked out and they did not have a system to a verification. Both the times {$39.00} were charged as return payment fee. When I asked why this was charged and how this could be my mistake when the payment went through both times but charged against me. and they did not even respond to my request online and when I called the agent and her supervisor they were rude to me and was using disrespectful words such as you don't have money u dont pay and stuff. 

Finally, I used a different bank to pay and the payment went through. 

I asked three things a ) why they did not have a bank check option and send a paper statement b ) Why they did not have a payment verification system ( sending 2 small amounts to verify ) c ) Why did they not account show the number after payment was made With all these faults, they still blame me for and charge the {$78.00} as fees.

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 2021-02-11 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: NJ

Complaint narrative:
WRONG NAME REPORTED ON CREDIT FILE - XXXX XXXX and XXXX XXXX WRONG ADDRESS REPORTED ON CREDIT FILE - XXXX XXXX XXXX XXXX, NJ XXXX AND XXXX XXXX XXXX XXXX, GA XXXX ) ALSO ( XXXX XXXX XXXX XXXX XXXX XXXX, GA 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