vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: AK

Complaint narrative:
This dispute is with reference to a {$200.00} deposit I paid to XXXX at XXXX XXXX on XX/XX/20. I split my deposit into different payment methods. {$100.00} was charged to my debit card ending XXXX. The transaction posted on XX/XX/20. 
The total for services was to be {$500.00} and the remaining balance was due at the time of service. My appointment was originally scheduled for XX/XX/20. It did not occur because the world shut down due to the COVID-19 pandemic. 
I sent a text to the merchant on XX/XX/20, XX/XX/20 asking how things would be handled and received no reply. I then got an automated text message confirming my appointment on which was followed by an automated cancellation notice on XX/XX/20. There was still no actual reply from the merchant. That is when I submitted the dispute with NetSpend. They did not reply within 10 business days, and deemed by disputed resolved with no errors based something they stated merchant provided will after deadline, and stated I never sent verification which I did. The merchant did not reply to me but was able to keep my money. I am out {$100.00} and they seem to be protecting the merchant and not me. My other bank took action immediately on behalf and they are following the same regulations, yet I am being giving push back and excuses.

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 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
We cancelled our XXXX account in XXXX. We received a final bill XX/XX/XXXX which we called and XXXX balanced with XXXX as they were charging for devices that were free at sign up which had also been an ongoing issue with them. This was our final payment which states no money due. We have since been with XXXX. We have had consistent high credit scores and pay bills completely not accumulating numerous debts or disputes. In XX/XX/XXXX we received a bill for a past due amount from XXXX. We contacted the company right away who stated theyd already sent It to collections and There is no further information on the account. RPM collections began calling daily to discuss payment. We disputed the claim as we have no paperwork showing what phone or device or time period this late fee is regarding. RPM resent a bill for past due amount with no further information. We have no idea what the late fee is for. RPM then stated it was a legitimate bill but could also not provide any information regarding what the late fee is for or how long theyve had it. We are being harassed for payment with no supporting documentation for a bill from a company we have had no business with for two years. We request to know what the late fee is connected to phone/ device, for what time period and where is their records for communication with us?

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 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I would like to file a formal complaint against PayPal. On XX/XX/2020 I used their app, to receive money from a client, I am not a seller. This is a payment for services not for goods. However, this app could not make that distinction. I was not aware of the 21 day hold, apparently this is a PayPal policy that if you are a new customer. I called customer service so I can explain the nature of payment, no agent available. I paid an initial fee of {$3.00} for a {$100.00} payment but have to wait 21 days. It is now XX/XX/2020, hold is over. However, when I tried to transfer this money to my bank account, PayPal is charging another 1 %, or free but have to wait another 3 days. I was looking at the community posts and it seems to be that this is a " systematic '' problem with PayPal ; not able to distinguish between services and goods, charging initial fees, unreasonable hold of 21 days without prior notice before using their service, charging another 1 % when the hold is over and you want to transfer money same day, additional 3 days to get money for free, and no customer service agent available to talk to. I understand that their services are not free, I am willing to pay fees, but not for 21 day hold and additional 3 day hold. Please help us, there are so many of us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-08-05 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: GA

Complaint narrative:
SOMEONE STOLE MY INDENTITY AND OPEN SEVERAL FRAUDULENT ACCOUNTS USING MY PERSONAL INFORMATION FOR THIER GAIN I AM VICITIM OF IDENTITY THEFT

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 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I have recently reviewed my credit report and would like to inform you of the inaccurate reporting on my credit file. I am requesting, under the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this matter be investigated. Capital accounts LLC in the amount of XXXX this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, AMEX has reported incorrect account on my credit report. Accounts was removed but XXXX   and XXXX  unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is in Violation of FCRA rules section 1681. For continuing to report an inaccurate inquiry on my consumer credit report. 

Company name : XXXX credit card services no permissible offer was presented, no loan or credit has been awarded. This is a violation of FCRA rules.

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 2020-08-05 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-08-05 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: CA

Complaint narrative:
Experian has added an account from XXXX XXXX to my credit report. I have notified Experian that this account is not mine and that XXXX XXXX   had failed when requested to provide proof of the validity of this debt. Experian did not require them to provide proof and instead reinstated the item 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 explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
will not connect to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have been disputing this collection debt from ARS. I have asked them to provide proof that this is my debt. How old is out? Where is it from? Who did they purchase it from? They do not respond and just keep putting it on my credit report. I have asked for them to remove and they will not. The constant calls are becoming too much. They do not provide me with any information as to what this debt is. This has been going on for years now and they keep putting new stuff 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 explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
When Covid19 started the Mortgage company 's were telling people to call if you need help. We called and went on what they called the " Covid relief '' This was where you didn't need to make a mortgage payment for three months without late fees or negative on credit report. We paid our mortgage every month but it may of been a few days late. I am now back to work regular hours and we have been trying to do a refinance. I reached out to Chase many times to go threw them with zero contacts back. Finally a Chase rep when I called said I can either go threw another company or contact a branch office to do it which is 1/2 hr from my home. I called an XXXX XXXX rep and left a few messages with no response either so i contacted my financial advisor who gave me a Company to call. I spoke to him a few times and he ran a credit report and advised me that it shows I haven't made a mortgage payment for three months from Chase Bank which i had. They may of been a few days late but that was what the Covid relief was for, When I called Chase they told me if I get out of the Deferment plan then my account goes back to normal and that the payment would be entered into Credit report as late. I said wasnt that the purpose of the Covid assistance? So I told them I don't want to be on Covid assistance anymore and if they have to show my payments late what ever and that I would rather not have it showing no payment at all. This is wrong and terrible of them. My loan guy told me this will XXXX up my good credit and I'm furious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I received a XXXX loan and it was deposited into my USAA account but was supposed to be deposited into my XXXX XXXX Account. For weeks I was unaware the funds had been deposited. The amount is XXXX. USAA refused to give me a close date and return the funds. They are refusing to return the funds to the treasury. USAA states they dont offer business accounts but my loan was deposited into my checking account but they are refusing to return the funds to the treasury or issue me a check. USAA never sent correspondence regarding my account closing, the account freezing or anything. I was never asked to furnish any documentation. I was approved for a loan by SBA and USAA is refusing to give me the funds. I was also told that if the issuing back requests it they wont guarantee they will return it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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:
XXXX XXXX, XXXX XXXXXXXX XXXX  has reported incorrect account on my credit report. XXXX XXXX Account was removed but XXXX   unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX   refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
Contracters, credits, bill collectors credit cards, XXXX, XXXX XXXX, XXXX XXXX, XXXX, collecto/business accounts all kind of things and if owe I want part for pain and suffering for me lost income and kissing my place for months at hand and losing jobs

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 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP MORGAN CHASE XX/XX/XXXX applied for credit card denied application for no apparent reason now im at point feel like jp morgan chase discriminating and profiling me for no apparent reason.This my second incident with Chase bank that they have denied me for services in XXXX I opened joint bank account with my wife at a branch they opened account and week later they closed my account with out any explanation.As of right now my credit score is in XXXX with good rating I would like detailed explanation of their actions taken against me or I would bring lawsuit against jp Morgan chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Over the last one month, I'm trying to connect Experian using their support number and the IVR system they have in place never redirect to human for Login Help. It simply kept telling use login help on the website. Below is the message I'm seeing when im trying to answer security questions unfortunately no human to answer and also no email is available. 

Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled. 

Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX   to XXXX XXXX PT Sat - Sun : XXXX XXXX to XXXX XXXX PT

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 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
We missed a monthly payment, which started a cascade of late fees with the lender. We have attempted to set up autopay feature, which was not set up correctly, which resulted in an NSF fee for insufficient funds. 

I became aware of the late fees on XX/XX/20, and called Mr Cooper on that day. I spoke to XXXX, and he agreed to remove one of the late fees. On the same day, I attempted to set up autopay feature. While setting it up, I notice a couple of things : 1. There is no way to verify or confirm the configuration to see if it is correct.

2. There is no way to review the configuration to see how it is set up.

3. There is no documentation that describes how to set up the autopay feature.

Two weeks later, on XX/XX/20, I noticed that the payment to Mr Cooper was reversed, and I was charged {$15.00} NSF fee. I called up Mr. Cooper, and spoke to XXXX about this. She was unable to waive the remaining late fee, or the NSF fee. I am filing the complaint because I believe that the NSF fee is unfair, and the Mr. Cooper website lacks needed support to help the customers to set up the autopay feature. 

As a result, the autopay feature has the potential of gauging the customer who doesn't know how to set it up. I believe that Mr. Cooper needs to take further steps to protect its customers against unfair charges.

Company response to consumer: Closed with explanation