vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have contacted Experian regarding the following inquiries on my credit report that are adversely impacting my score. I have asked them to show me 1. permissible purpose. 2. Show me written authorization that I gave permission for the following companies to pull my credit and 3. Show physical proof that I initiated the inquiry and Experian is refusing to comply with my request. Instead they simply send me a letter stating that all inquiries must be reported as they show factual proof. I am sorry but without the above 3 components they UNDER LAW are to remove the inquiries from my credit report. The following inquiries do not meet the 3 components under the FCRA and XXXX is in essence breaking the law and I am requesting that they either show me all 3 pieces of proof that I have asked for and I am entitled to or I am asking that a FULL INVESTIGATION be brought against them for illegally sharing my credit information and breaking the law under section 604 of the FCRA. If they do not remove these immediately I will be forced to hire an attorney and sue them for damaging my credit intentionally by reporting inquiries that can not be verified and proven under the law. The following inquiries are to be removed since no proof can be submitted on their behalf. 
1. XXXX on XX/XX/XXXX **I called this company and they find nothing to support a permissible request*** 2. XXXX on XX/XX/XXXX **I called this company and they find nothing to support a permissible request*** 3.XXXX on XX/XX/XXXX **I called this company and they find no evidence to support a permissible request*** 4. XXXX on XX/XX/XXXX **I called them and they find no evidence to support a permissible request and no credit line was granted to me and I do not have sprint service*** 5. XXXX Date of inquiry was XX/XX/XXXX **I called and they find no evidence to support permissible purpose on this date listed**** 6 XXXX On XX/XX/XXXX ***I called them and no permissible purpose was found*** 7. XXXX on XX/XX/XXXX and also on XX/XX/XXXX ***Called them and no permissible purpose was found and no auto loan was granted*** 8. XXXX on XX/XX/XXXX ***Called them and no permissible purpose was found*** 9. XXXX on XX/XX/XXXX ***Called them and No permissible purpose was found*** All XXXX ILLEGAL inquires are to be removed IMMEDIATELY as they are not following the letter of the law in section 604 of the FCRA. The law needs to be enforced here or they will continue to do damage to myself and others. If they want to keep these inquiries on my credit report and state that they have to because of factual truth then support your position and send me the 3 pieces of proof listed above. If not you are intentionally trying to hurt my credit worthiness and this must stop immediately.

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 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Experian is currently reporting a Ch XXXX Bankruptcy on my personal credit report. However, the name and address associated with the bankruptcy does not match either of mine. I have requested they remove the item but they have not yet despite my continued disputing of the item. 

The associated line item has an acct # of XXXX 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 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The credit bureau would not properly investigate the public records that are not mine according to the State of South Carolina Department of Treasury and the XXXX County Court Clerk recorder, whom they did not verify any information with. It is against the FCRA to deem any public records as valid without contacting the source. The court stated that they do not verify any information with any of the credit bureaus. 
I sent the investigation in accordance with the Fair Credit Reporting Act, Section 1681i., and they refused to respond and have broken the law once again. All letters have been sent certified as documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, XXXX XXXX XXXX, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now XXXX XXXX XXXX ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale. 

RespectfullyXXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE XXXX INQUIRY FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 2016-12-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried fro three months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency

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 2016-10-31 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
**FYI I will keep filing complaints until google fixes my issue** My nephew used my account to make purchases ( he is a minor ) google refuses to refund what was charged. Google referred me to a developer and the developer said google MUST and needs to refund these charges. Google refuses to accept responsibility and refuses to refund charges that have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
THEY WENT IN MY BANK ACCOUNT WITHOUT MY AUTHORIZATION. I had a credit line with paypal. Before the account went to collections they tryed to do a ach payment that i did not authorize, meaning they went in to my account without my permission. The bank rejected the request that pay pal attempted. The reason I know they had my account # is because paypal 's representative told me the last XXXX. An she also told me that a representative probably tried to run it after i told one of them not to. I only put my card number on there site. I never linked my bank account number.That is dangerous. so I just gave them my card number. Some how they got my account number.Not only did they do that they told me the amount was due on the thirteenth but attempted the ach on XX/XX/XXXX .To my knowledge that is illegal. The way this whole thing is going is predatory lending. I have received many calls some of the calls back to back on one of those calls a representative was yelling and screaming at me after i told her that I set a payment for two weeks later .I will never ever work with pay-pal ever because if i had money in that account they would of taken it without consent.They already have a class action lawsuit against them as we speak. So at best they are Shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
XXXX XXXX 2016 I am filing this Complaint because Paypal 's response to my earlier Complaint ( XXXX ) made no attempt to resolve the matter in question, namely a {$250.00} refund issued from XXXX to Paypal. Paypal 's response was nothing more than a reiteration of the conversations I have had with them over the past several months. 

The XXXX item Paypal requested in their complaint - the email from XXXX indicating the transfer to them of the {$250.00} - was faxed to them on XXXX XXXX 2016, to the fax number they provided ( XXXX ) in their response. The Transaction # XXXX in this email was furnished to your staff in my our last conversation and in my Complaint. 

Paypal, as the financial institution that facilitated, the purchases I made with XXXX has a fiduciary and ethical duty to resolve the refund matter in question. It is their duty, to work with XXXX, to resolve this matter. In all my conversations with Paypal, and per their response to my earlier complaint, noted above, I can detect no such attempt. Paypal 's actions fall short of the actions of all other financial institutions I have dealt with, who have always contacted the merchant to resolve a problem. 

I trust that Paypal will now take the actions noted above, that their fiduciary responsibility requires, to work with XXXX to resolve this matter. 

Further, as you know all purchased items were returned to XXXX shortly after purchase. You can confirm this with XXXX. So the return of the items is a mute point and not at issue. 

As XXXX is a party to this matter they have also been named in this compliant. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
This is a follow up to complain case # XXXX. 

PayPal closed my dispute without resolution and by making deceptive statements. I never was able to claim my money that was transferred which is the root of this complaint. PayPal called me once on a Saturday and left me a message. I was not able to retrieve the voicemail until the following week upon which I learned PayPal closed my dispute via snail mail two days after the left me a voicemail. They never emailed me ( my preferred method of contact as previously told to them ). They also offered no explanation as to why my original two emails to them asking for help went unreturned. I was told the reason I could n't claim my money was that my cell phone number had not been confirmed. However according to the PayPal mobile app, the number is confirmed. When I log into the website, I attempt to " re-confirm '' my cell phone number and nothing happens. The PayPal website deceptively and unfairly tells me they will text my phone with a code to confirm my number but the text never comes through. I did however, receive a text from PayPal stating that the money was not claimed fast enough and they returned it to the sender. 

I request that 1. PayPal 's marketing claims on their website be investigated as clearly they advertise a higher level of technology than they can deliver. 2. PayPal 's mobile app discrepancies be investigated as clearly the mobile app which I relied on provided false information regarding the status of my cell phone 3. PayPal 's complaint process be reviewed as they did not give proper time to respond to their voicemail ( 1 business day ) before closing my file and returning the money I was sent to the sender. 4. Pay Pal 's email address be removed from their site since they do not respond to emails, it is clearly on their site just for marketing purposes to offer consumers false faith in their brand that they can email should something go wrong. At this point I believe PayPal can remedy the situation by crediting my account the amount that was lost by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I used Google Wallet to pay my roommate rent. It was linked to an account I had recently closed and I did n't realize this until a few days later. I removed the closed account and added my new one and repaid my roommate from that account. Without my consent, Google paid out the original payment and drew my Google Wallet balance negative instead of rejecting the unfunded payment. I never gave them permission to do that and that payment should have just been rejected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had several accounts with Paypal, personal and for my business. I had been being paid by clients who gave me their Paypal Cash account number so that those funds could be deposited to my account, and thus to my bank. Paypal had limited my account stating this was prohibited. I was doing nothing illegal and I report on my taxes as I would any revenue received from a client. I wrote Paypal and they stated my account would be limited. I spoke to a rep from Paypal who after review, released all the funds but stated the account would be limited for 6 months. It has been 10 months now and I can not use ANY Paypal accounts. I can not use Ebay as a result of this and I see that a recent class action was settled regarding limitations, however I do not know the exact details. 
I wrote Paypal asking the status and received a response that the account is permanently restricted. I do not understand this after being informed I needed to wait 6 months. They had asked for copies of my ID, a utility bill etc. and I complied with everything. Now they end their letter stating I should use some other service, in effect telling me to go away. ( copy attached ). The XXXX accounts at Paypal I am referring to are emails : XXXXXXXXXXXX and XXXXXXXXXXXX They imply I am guilty of some " scheme '' and after speaking with them, supplying them with ALL the info they asked for, etc. and their refusal to engage in a honest and forthright way, certainly speaks to their unfair business practices and potentially to violations of the law. 
What can be done about this unfair treatment. I have clients who rely on Paypal to remit to me. It is impairing my ability to conduct legal commerce. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XXXX XXXX, 2015 my Paypal account was hacked and fraudulent charges totaling {$550.00} were processed and pulled from my bank account. I immediately called PayPal and followed their procedure to reset my password. I was told by the agent that the funds would be returned within 4 days. However just 4 days ( today ) later my account was hacked again and this time {$660.00} dollars was transferred to a fraudulent email address. 

I immediately called PayPal again but this time I was told I needed to reset my password again but this time via my phone. I was instructed to open the email sent by PayPal and to click on the link to change my password. This did n't work as the link in the email failed to open to the correct page on PayPal 's website. Then she asked me to do the same with my tablet, again the link did not work correctly as it only took me ot the PayPal home page and not the page I needed to reset my account. 

Then I asked how to secure the account and she said it needed to be " restricted '' but when in restricted mode, I would be unable to transfer any returned funds back to bank account. In addition, she told me it would take 5-7 business days to get my refund even though the first agent told me it would take 4 days. 

I then asked to speak to a supervisor and was told that none were available nor would any be available any time soon. I gave up and hung and called back and again, got a different agent and again asked for a supervisor. This time, a supervisor came on the line right away. 

But now the supervisor claimed the transactions originated from my PC, which of course they did not. The transactions on XX/XX/XXXX occurred in the middle of the night when I, my wife and little boys were sleeping. The transaction today occurred when my wife was at the vets office with our XXXX sons and I was 60 minutes away at work. 

Next he told me to just wait 10 days ( up from the original 4 ). Otherwise he would simply just " settle the case now and rule against me ''. So I asked " So you 're telling em to shut up and wait or you 'll rule against me? '' and he responded with " I suggest you wait the 10 days if you want to get your money back. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Receivable Asset Management
State: FL

Complaint narrative:
Kramer and Associates is the debt collection agency that has been contacting me about money owed. I was making payments on time every other Friday until they tried to withdraw funds too early and it was denied. From that moment, it has been hard to get back on track with the payments. Kramer and Associates called my job and I was pulled out of a meeting to answer the call. I still do n't know how they got my work number. Today, a roommate from 8 years ago contacted me saying someone from Kramer and Associates called them looking for me. Whoever it was left her a voicemail and an extension : ( XXXX ) XXXX - XXXX ext. XXXX. I had every intention of paying off the remaining balance but this is too much. It is very embarrassing to contacted by an old college roommate from 8 years ago concerning a debt collector. This has gone too far!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: OR

Complaint narrative:
I received a credit card that I did not apply for from Discover. When I contacted the company my experience was very suspicious. When I Gave the woman my SS number on the phone there was complete silence for several seconds when I asked are you still there? She acted surprised and asked me again for my SS number. I gave it again and she asked another time for it as if it did n't match her records. After several minutes of conversation and verifying my info she asked a fifth time for my SS number. At that point I got terse with her and said " You have asked for my SS number 5 times, what is going on here? '' I then asked her for my SS number and she gave it to me. I then asked for all information she had on me. This included a fictitious email address and a long past phone number of mine. When I checked my credit the following day I had no indication of identity theft and not even an inquiry into my credit from Discover. I do n't know what is going on here but It seems that Discover may have purposely issued this card as an aggressive and illegal sales effort or perhaps issued it wrongly without verifying my information. I believe this needs to be investigated by the U.S. authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
PAYPAL does not accept my XXXX XXXX XXXX [ issued by the US treasury for my VA XXXX Pension ] I have NO problems on ANY other website PAYPAL has been non-responsive to provide a " WHY '' I hope this has nothing to with me being XXXX or a Veteran XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal opened a credit account for me without my knowledge or consent. I only knew because I got a notice from my credit monitoring service that my account had been accessed by PayPal. When I called PayPal, I was told I had opened the account by clicking on the credit button, checking off the Terms of Service box, and keying in my birthdate and last XXXX of my social security number ... none of which I 'd done. When I escalated to a supervisor, I was told " you obviously made a mistake ... perhaps you have autofill on your computer. '' It was only after the conversation that I searched the web and discovered PayPal had been charged a $ XXXX penalty and forced to pay $ XXXX in fines in XXXX for this behavior. The fraud is still going on. I am 1000 % certain I did not sign up for their credit account, which I requested they immediately close. Still, my FICO credit score has been dinged because of my inquiry to open new credit, which was done without my knowledge or permission.

Company response to consumer: Closed with explanation