vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
From XXXX to XXXX I ( XXXX XXXX XXXX ) attended University XXXX XXXX. I graduated with an XXXX XXXX and continued my education there, in efforts of achieving a Bachelors in XXXX. 

I currently have a few debts owed to the XXXX XXXX XXXX organization that has been sent to creditors. I have had trouble paying the amount of {$85000.00} ; this has impacted my credit report. 

I recently hire some legal aid to assist me with disputing to XXXX, XXXX  and Transunion and other creditor about removal so that those loans don't impact my credit score. I have been told by my personal Legal Agent that over 7 years would enhance my odds of having them removed so they don't impact my credit score. It has also been suggested that I contact your organization about this issue and having the XXXX XXXX  removed from my credit score so I may continue working to improve my score. 

I am discussing arrangements now to repay the loans with the creditor these loans have been sent to. 

The legal aid service pursuing this claim is call XXXX XXXX - they have sent some notices and recently escalated this issue since it has been seven years and although we have reach out to national creditor services like XXXX, XXXX and Transunion they have yet to respond in our favor

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 2020-04-22 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: CA

Complaint narrative:
From XXXX to XXXX I ( XXXX XXXX XXXX ) attended University XXXX XXXX. I graduated with an XXXX XXXX and continued my education there, in efforts of achieving a Bachelors in XXXX. 

I currently have a few debts owed to the XXXX XXXX XXXX organization that has been sent to creditors. I have had trouble paying the amount of {$85000.00} ; this has impacted my credit report. 

I recently hire some legal aid to assist me with disputing to XXXX, Equifax and XXXX and other creditor about removal so that those loans don't impact my credit score. I have been told by my personal Legal Agent that over 7 years would enhance my odds of having them removed so they don't impact my credit score. It has also been suggested that I contact your organization about this issue and having the XXXX XXXX removed from my credit score so I may continue working to improve my score. 

I am discussing arrangements now to repay the loans with the creditor these loans have been sent to. 

The legal aid service pursuing this claim is call XXXX XXXX - they have sent some notices and recently escalated this issue since it has been seven years and although we have reach out to national creditor services like XXXX, Equifax and XXXX they have yet to respond in our favor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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:
From XXXX to XXXX I ( XXXX XXXX XXXX ) attended University XXXX XXXX. I graduated with an XXXX XXXX and continued my education there, in efforts of achieving a Bachelors in XXXX. 

I currently have a few debts owed to the XXXX XXXX XXXX organization that has been sent to creditors. I have had trouble paying the amount of {$85000.00} ; this has impacted my credit report. 

I recently hire some legal aid to assist me with disputing to Experian, XXXX and XXXX and other creditor about removal so that those loans don't impact my credit score. I have been told by my personal Legal Agent that over 7 years would enhance my odds of having them removed so they don't impact my credit score. It has also been suggested that I contact your organization about this issue and having the XXXX XXXX  removed from my credit score so I may continue working to improve my score. 

I am discussing arrangements now to repay the loans with the creditor these loans have been sent to. 

The legal aid service pursuing this claim is call XXXX XXXX - they have sent some notices and recently escalated this issue since it has been seven years and although we have reach out to national creditor services like Experian, XXXX and XXXX they have yet to respond in our favor

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CO

Complaint narrative:
My credit score l am a XXXX per discover credit card is XXXX I have used that card and paid them off then just put the card away with a XXXX balance, l had a {$25000.00} loan with lending tree which l paid off in full o balance. I have credit card debt but Never chosen to consolidate the debt because l dont have a problem paying my cards never missed a payment ever yes my balance went up on credit usage but still no missed payments or asked any of my lenders for help. Now this discover Card is just deciding to close my Account. I think l have been discriminated against because of age and being a single woman, shame on discover card in a time like that to do that to anyone. I dont need there credit card at all this is why l have not used that card. But l think this company needs to be reported, probably doing this to lots of poor people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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
State: ID

Complaint narrative:
PayPal is locking my wife out of her money and telling us that it will take 6 months to get it. This was the 1st and last time she will be using PayPal On the XX/XX/2020her Aunt send her {$150.00} for her Birthday and to help out the family during this time She receivedd the money in PayPal and they ask for my wife to send her Id in and she did but then they just locked her account and told she could no longer use PayPal no real reason but they will not release the money or refund it back to Her Aunt. Now here is the kicker we are not the only one. PayPal has locked out Thousands of People from their account and their money for no reason some have been using PayPal for years. PayPal is using XXXX and and XXXX to talk with People and if you say something they don't like they will delete your comment, but still they is thousands of comment telling the same story over and over " PayPal is holding my money and locked my account. Many of these People need that their money are like myself we are not working and friends and family are help them out only to have PayPal steal their funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered the error on my credit report and disputed it through the three credit reporting agencies. However, XXXX has refused me to dispute the error through online portal, and the phone representative informed me the items, such as balance error, are not disputable. Trans union has taken more than 30 days and the dispute is still under investigation. As well as XXXX, not only has taken more than 30 days, but also didnt change anything from the previous dispute.

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 2020-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
A collection from National Credit Adjusters remains on my credit reports. This alleged debt was recently removed when it was owned by XXXX XXXX. All of a sudden now National Credit Adjusters has purchased it for pennies on the dollar and is now trying to use me to turn a profit. It has be OVER 30 DAYS since they were supposed to validate. They can't validate it because I DON'T OWE ANYTHING!!!! I just went through the same thing with XXXX XXXX before this horrible company bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered the error on my credit report and disputed it through the three credit reporting agencies. However, XXXX has refused me to dispute the error through online portal, and the phone representative informed me the items, such as balance error, are not disputable. XXXX XXXX has taken more than 30 days and the dispute is still under investigation. As well as Equifax, not only has taken more than 30 days, but also didnt change anything from the previous dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered the error on my credit report and disputed it through the three credit reporting agencies. However, Experian has refused me to dispute the error through online portal, and the phone representative informed me the items, such as balance error, are not disputable. XXXX XXXX has taken more than 30 days and the dispute is still under investigation. As well as XXXX, not only has taken more than 30 days, but also didnt change anything from the previous dispute.

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 2020-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: WI

Complaint narrative:
Hi Team, I am using Remitly Money transfer app to send money to my home country for my family help. 

Today, sudden I got pop up messages that couple of transaction happened in remitly account, I was socked because I didnt do that. 
Total XXXX $ been transferred, and XXXX $ has been transferred successfully and rest of the amount did cancel by bank. 

I dont know about the person detail who was added into my remitly account, top of that I can not understand that how someone added himself into my remitly account whereas I didnt get any text regarding this addition, I cake to know when amount has been transferred. 

Remitly customer service are so bad, since morning I was trying to connect with them and they are available only on chat, and waiting queue is 2-3 hrs, after 2-3 hrs when would connect suddenly they will close the chat. 

I am 100 % sure, it is completely remitly issue, their side only some days loss happened and they are hiding it. 

I want my money back and action against the person, who did that. May be he will do same to others in future. 

My remitly user : XXXX Cell : XXXX Please reach me anytime for any information. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: OH

Complaint narrative:
1. ) Original creditor ( XXXX XXXX XXXX has been accepting payments ( and payments were made ) prior to debt in collection. I have repeatedly advised Capital Accounts that payments were being made to XXXX XXXX 's office and they were accepting the payments. 

2. ) I have paid {$650.00} of the original {$1300.00} 3. ) They keep calling my home after they have been instructed to cease communication. 

4. ) They are trying to charge interest, now, when the original debt is for dental procedures, which were NOT financed, and there is no signed agreement for interest with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
PAYPAL ACCOUNT ID : XXXX Dispute regarding transaction : {$60.00} PAYPAL XXXX XXXX CH I had purchased a shoe rack from XXXX Details attached. 

As I bought it, I was asked to send money over via Paypal as a part of the checkout flow. Screenshot of order is attached. Since then I have discovered it's a scam website and the account is an offshore XXXX account. 

Instead of shipping the item to me, the seller shipped a XXXX item to a random address in XXXX , WA and claimed that they shipped the product. They shared a tracking number on XXXX XXXX for a date in the past : XXXX. This tracking number does deliver a random package in XXXX, WA. 

This tracking number was not sent to me. I have confirmed with XXXX that no such package has been delivered or shipped to my address. If paypal were to check they would get to know the same. 

This is a well known scam apparently : Buyer buys something via Paypal Scammer sends a random package to an address in city of buyer, usually a public address Buyer never receives anything and files chargeback via Paypal Paypal only looks at a tracking number and reject the claim INSTANTLY with no recourse. 

The XXXX weighs XXXX pounds, the XXXX package sent the next day was XXXX lbs and next day saver would have cost over a hundred dollars. 

The website itself is fraud and if Paypal had even done a second level investigation before denying my claim they would realize that this merchant 's account and all associated accounts need to be closed immediately. The website is probably redirecting money to different paypal addresses for this scam. 

Now Paypal itself is systematically letting this fraud go on since it doesnt train its agents properly. Despite sharing all this info in the claim, the agent roboticly rejected the claim without using their brain on what had happened : Case Resolution Decided in seller 's favour Adjudication reason Valid tracking info provided by the seller. 

I tried to escalate to a supervisor, however my email was met with an auto reply that they wont respond to emails and help center got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There is no authorization of Overdraft link between my Bank of America checking account and my Bank of America credit card account ; however, someone from Bank of America Credit Card account transferred an unauthorized amount of {$18000.00} from my credit card money to my checking to pay for checks of {$20000.00} as an overdraft on XX/XX/2020. I called Bank of America credit card representative to ask the refund of {$18000.00} to my credit card account on XX/XX/2020 because of an unauthorized. The representative filed a refund paperwork for me, then said the fund would be back in my credit card account in 3 to 4 days and a BOA letter would be sent to me explaining its resolution within 10 days. She also told me that there would be no charged fee related to this unauthorized transaction at all. I did not receive the letter as told. I called BOA on XX/XX/2020 and teleconferenced with BOA checking representative, XXXX, and BOA credit card representative, XXXX. XXXX and XXXX both confirmed there is no overdraft authorization link between my checking and my credit card accounts at all. XXXX told XXXX to submit the matter to his supervisor for resolving it, but his supervisor did not want to resolve it, he instead said BOA would send me a resolution letter for this issue within 14 days. I did not receive it. I called BOA credit card again on XX/XX/2020 and talked to XXXX, a BOA Specialist, about my issue. XXXX said the BOA checking side did not want to return the fund to my credit card account although BOA credit card side requested it on XX/XX/2020. She said she could not resolve my issue herself. She recommended me that I could write a letter to BOA in Florida headquarter to ask for resolving it or I could sue the BOA on the policy of NO RESPONSIBILITY FOR AN UNAUTHORIZED TRANSACTION stated in its VISA policy. I wrote letter to BOA headquarter in Florida about this transaction, and sent it on XX/XX/2020 but having no BOA reply at all so far.

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I've been trying for weeks to get a updated US bank XXXX by calling the XXXX XXXX on the back go through all the steps to be put on hold for a hr to get hung up on go on line cant get through go to the bank nothing cant get access to my funds thank you

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 2020-04-22 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: FL

Complaint narrative:
I have inquiries that I did not permit and they have not replied to my request for an investigation. 




By not replying in a timely manner to my initial letter on XX/XX/2020 you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of my alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: FL

Complaint narrative:
I have inquiries that I did not permit and they have not replied to my request for an investigation. 




By not replying in a timely manner to my initial letter on XX/XX/2020 you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of my alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation