vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2022, I sent what I thought to be a reputable cat breeder {$1200.00} over XXXX through my Chase app. However, it has come to my attention that the XXXX account that I sent funds to was associated with a scammer and I would never be receiving my kitten. I immediately called Chase bank and filed a claim and intended to get the information I needed to pursue this person with legal action as their name and email address was available to me. However, they sent me to XXXX to get this information. XXXX then once again told me that they are not able to, however Chase bank will be able to help me. I called once again and was told that there is nothing they can do.

Chase knows what bank account ( and person ) is connected to this scammer 's XXXX account and refuses to help. The only way I can get any recourse whatsoever is with Chases help is by getting information but instead they pick the side of the scammer. I am not sure what else I can do here. Consumers deserve better protection from scammers that take advantage of Chase 's backwards and unfair policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I HAVE BEEN TRYING TO SPEAK WITH SOMEONE OVER A YEAR NOW BUT I AM NOT GETTING NO WHERE. I CALL THEM AND THEY SAID THAT THEY WILL GET BACK WITH ME BUT IT'S BEEN OVER A YEAR AND NOTHING YET. I HAD A ACCIDENT IN THE CAR THAT I AM REFERRING TO. THE CAR WAS TOTALED SO MY INSURANCE PAID OFF THE BALANCE AND I WAS SUPPOSE TO GET A REFUND BACK BUT I NEVER DID. INSTEAD THEY PUT THE AMOUNT THAT THEY WHERE GOING TO GIVE ME BACK AND PUT THAT AMOUNT ON MY CREDIT REPORT 'S AND NOW I AM HAVING ISSUES GETTING ANOTHER CAR. 
THIS IS FOR ONE MISLEADING, DECEPTIVE, FAILURE TO DELIVER GOODS AND SERVICE AND MISUSE OF MY PERSONAL INFORMATION.

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 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, I am XXXX XXXX XXXX, I am XXXX and unfortunately, I am affected by PayPal I work in the field of e-mail marketing with an American company called XXXX XXXX. 
The first payment they sent to me via PayPal, PayPal booked it and closed my account for 180 days, knowing that I did not even know the reason for that. 
-On XXXX I opened the account with PayPal -10 days later, on XXXX, XXXX  company sent me an amount of XXXXusd At the same time and at the same moment, PayPal surprised me by closing my account to confirm my identity... 
They asked me to send them a picture of my ID I said to myself that it is just a simple verification, I have already sent my ID in the place designated for it as it was required of me, and when I pressed send and at the same moment my account was closed definitively. 
I don't even know what criteria they took to close it even though they didn't even check my ID that they asked me for ( they asked for ID - I sent it to them - they closed it directly without even checking my identity ) And the biggest problem is that the amount sent to me by XXXX XXXX is not shown to me in my account PayPal sent me an email that I received XXXX usd but when I open the account it shows XXXX usd in my account I don't even know where she is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX confirmed that four collection accounts held by them were sent for deletion from all CRAs. They originally sent the request in XX/XX/XXXX I filed a CFPB complaint against both companies on XX/XX/XXXX. XXXX XXXX XXXX provided a letter stating that all collections should be deleted on XX/XX/XXXX and responded to the complaint by saying they resent the deletion request to Equifax. I have attached the letter. Equifax gave no resolution, only a response that they are investigating. 

I checked my XXXX credit file to find one of the collections in question has a date reported of XX/XX/XXXX, affirming the false information that should be deleted. I have attached a picture. 

I dont understand what the issue is Equifax is having here. The original collections company agrees the accounts should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
consumer portfolio services says I owe them XXXX when I do not have this loan with them and all there money was returned to them I have proof from the car dealer after the dealer sold me a lemon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I made an additional payment toward my principal balance to Mr. Cooper home loan. The agency automatically applied the payment to the next regular payment, thus keeping their portion of the finance charge. I contacted them immediately to correct the problem. They took only one step and now have the amount listed as " unapplied ''. It has now been almost two weeks and they say it is still in process. This delay allows them to keep the additional money and not reduce my principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Credit & Collection Recovery Services, Inc.
State: AL

Complaint narrative:
I signed up for a credit monitoring service last year and discovered multiple errors showing on my credit report. Multiple accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the original creditor. I contacted the FTC and followed the Identity Theft steps including filing a formal FTC report and putting a freeze on my Credit. XXXX has refused to remove this debt from my report causing me to have to repeat this process. I am providing information on these disputes. I am demanding these accounts be blocked from all of my credit report, due to the fact that they are not valid and/or they are not caused by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 signed up for a credit monitoring service last year and discovered multiple errors showing on my credit report. Multiple accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the original creditor. I contacted the FTC and followed the Identity Theft steps including filing a formal FTC report and putting a freeze on my Credit. Equifax has refused to remove this debt from my report causing me to have to repeat this process. I am providing information on these disputes. I am demanding these accounts be blocked from all of my credit report, due to the fact that they are not valid and/or they are not caused by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I called to confirm the balance to pay off the entire debt on my Best Buy Visa card. I spoke with XXXX, and he provided the information. When I questioned the why the balance was so high, he informed me of two interest charges for not paying promotional balances off prior to the termination of the promotion. The first was on XX/XX/XXXX for {$470.00} and the second was on XX/XX/XXXX for {$430.00}. When I explained to XXXX that those were both paid off prior to the promotion ending he could not find a reason why the payments were not applied properly. 
I called prior to the end of both of these promotions ( I do not recall the dates ) and was instructed to make a minimum payment then make the full promotional balance payment to ensure the promotional interest would not be assessed to my account. I explained this to XXXX, and he agreed that this should have paid off both promotional accounts. Unfortunately, XXXX was unable to assist further as he did not have the authority to rectify the issue. 
I called back later on XX/XX/XXXX and spoke with XXXX, Idaho Office Manager. She advised me that she could not reverse the charges as that was Policy. I asked what Policy and she began to say it was a federal policy at which time I interrupted and advised her that there is not such federal policy. As a XXXX XXXX and XXXX XXXX for a XXXX  institution, I know there are no such policies and that she should not provide this misinformation to any other customers. I asked if it was a company policy, at which time she said yes. She asked what she could do for me, and I requested to have the {$910.00} of wrongfully assessed interest removed from my account so I could pay off my debt. She advised me that she could not do anything for me, and we ended the call. 
This is a very confusing why of paying off promotional debt and is still their practice. I had to follow the same steps for a promotional item I paid off on XX/XX/XXXX. I called on XX/XX/XXXX to confirm it was paid off with XXXX. I plan to call again to confirm I am not being charged interest for promotional items I paid off prior to the promotional time terminating.

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 2022-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
I received a notice of debt owed today XX/XX/XXXX from Commonwealth Financial Systems in the amount of {$69.00}. I had no idea what this was for or that it was even valid so I called them to confirm they were legit and asked what this debt was tied to and when it was from. I was told that Commonwealth Financial Systems filed this on my credit bureau PRIOR to my even getting the notice and that if I paid it then they would remove it from my credit bureau. I told them that I had to first confirm it was a legit medical charge and then I would be glad to pay a valid bill, but I was very upset that they chose to report this to my credit bureau even before I received a bill. This is very unethical and very poor business practice. They said this was from a hospital bill from XX/XX/XXXX so this is 6 years old and this is the first notice that I have received for this medical bill. They filed a derogatory debt on my credit bureau BEFORE they even sent a bill out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently applied for a refinance with capital one my current lender is XXXX I have been on the phone for numerous hours trying to fix this issue capital one declined my refinance after approving it due XXXX erroronus reporting the Auto loan was closed. I have reached out to XXXX and will be also filing a report against them They report that since the reporting on the other two credit for us were correct that this issue was on XXXX this has cost me and I can provide proof well over {$3000.00} of savings and a {$40.00} a month savings on my auto loan as well as a few months of payments this has hurt my family financially and wasted a great deal of my time. These times are hard enough but when I major financial company calls me this much harm as well as XXXX passing the blame on to experience I am very upset all these long hold times in XXXX reporting has impacted my family and the issue needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently applied for a refinance with XXXX XXXXXXXX my current lender is XXXX I have been on the phone for numerous hours trying to fix this issue XXXX XXXX declined my refinance after approving it due Experians erroronus reporting the Auto loan was closed. I have reached out to XXXX and will be also filing a report against them They report that since the reporting on the other two credit for us were correct that this issue was on Experian this has cost me and I can provide proof well over {$3000.00} of savings and a {$40.00} a month savings on my auto loan as well as a few months of payments this has hurt my family financially and wasted a great deal of my time. These times are hard enough but when I major financial company calls me this much harm as well as XXXX passing the blame on to experience I am very upset all these long hold times in Experians reporting has impacted my family and the issue needs to be resolved.

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 2022-01-20 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: TX

Complaint narrative:
I am filing this complaint as Experian and XXXX have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. XXXX XXXX XXXX XXXX. I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my Experian 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 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Receive a credit refund on XX/XX/XXXX in the amount XXXX from XXXX XXXX XXXX which is showing as a credit on my account -After that made 2 more payments XX/XX/XXXX - {$190.00} from my XXXX checking account along XXXX {$1000.00} ( XX/XX/XXXX ) deducted from my account. The Total credit account is XXXX total in payment and credit on account. All payments were paid befoew the payment due dates which was the XX/XX/XXXX. for no interest fees. 
Total charges up to date as of XX/XX/XXXX - XXXX Substracting XXXX minus XXXX = a positive balance of XXXX -they own me. I ( XXXX XXXX ) spoke with XXXX representative of Capital One - XXXX @ XXXX and he is stating I own a balance of XXXX cents. I advise I do not agree with his addition nor his balance and I will not pay another cent to Capital One and to close the account. This is the 2nd time I had to correct the fees and charges on this account. The first time the corrected the issue with me reporting them on two different platforms. Now I just want to close the account and for them to send me my refund due on this account. I am taking my business else and will not do business with them again. 
XXXX XXXX - XXXX XXXX XXXX contact number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TN

Complaint narrative:
Your investigation did not fix error in my credit file. I have informed you already that my report contains inaccurate and incorrect account that results of identity theft. XXXX already deleted this from my report and you should also comply with the law. This account must be remove and delete from my report asap.

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 2022-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
A Target credit card account was opened in my name using my address and ss #. the phone # and driver 's license number were not mine. there was a charge for {$82.00} made on the account. I reported the fraudulent account to the Target credit dept. and they closed the account..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: LA

Complaint narrative:
I am filing this complaint as the 3 credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX and XXXX XXXX  Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my Experian 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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: MA

Complaint narrative:
Hello COMPLETE CREDIT SOLUTION ; XXXX XXXX XXXX ; How are you happy new year to you and the family! I need your help here! 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

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

Company response to consumer: Closed with explanation