vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
i made a purchase on XXXX XXXX 2022 for a security camera. received it XXXX read the privacy policy, i did not agree to it so I can not use the camera. i filed a dispute on XX/XX/2022 XXXX returned the camera on XX/XX/2022. I sent all documents to Capital One on their secure site that they sent me XXXX they kept telling me they did not receive all the correct documents, but would not say exactly what else they needed. now they say its past the 60 day and they cant do anything. I have contacted the seller on 4 occasions and they dont respond. 
also this seems to be very common with Capital One as there are many reviews that state the same thing of keep saying there is not enough documentation until the time has passed their 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XX/XX/XXXX there were 3 credit inquiries on my credit report that I did not authorize Bank XXXX XXXX XXXX XXXX JP Morgan Chase A new credit card application was denied by Chase ( XXXX XXXX XXXX ) I did not try to open this new account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On ( XXXX ) I disputed an account reported by ( XXXX XXXX ), in the file you maintain under my social security number. I was informed on ( XXXX ) that the item was deleted on my credit report. By Transunion. I was informed by XXXX the account was deleted on XXXX, and XXXX deleted the account on XXXX Now I have discovered that the item has been reinserted on my credit report. 

The collections account needs to be deleted as my rights have been violated.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On ( XXXX ) I disputed an account reported by ( XXXX XXXX ), in the file you maintain under my social security number. I was informed on ( XXXX ) that the item was deleted on my credit report. By XXXX. I was informed by Equifax the account was deleted on XXXX, and XXXX deleted the account on XXXX Now I have discovered that the item has been reinserted on my credit report. 

The collections account needs to be deleted as my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
several months ago i made a payment to pay off the balance on my XXXX XXXX credit card and have it closed. 
account number XXXX. 
the card is not used, and has not been used since. 
they never closed the card and the fee are up around XXXX now on a credit limit of XXXX. 
the company will not close the card, or reverse the charges and i have refused to give them any more money on an account that should have been closed and isn't used. 
i have gotten nowhere and my credit is being affected by this now. 
i don't know where else to turn. please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX  Someone tried to open a credit card account using my personal information. The bank recognized the fraud but the inquire still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect date of last activity, term length, and incorrect payment history for account ( XXXX XXXX ). Because the date of last activity, term length, and payment history being reported by your company, XXXX and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. This account is being reported with inaccurate information is actually violating my FCRA rights, which means this the information being reported should be the same across the board and be 100 % accurate or you are subject to {$1000.00} per violation. Delete this account 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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On or about XX/XX/XXXX, I got an alert from the credit bureau of a late payment. I logged in to find out that BOA had reported a late charge on an account that is paid in full and has not been used since XXXX. I called BOA on that date and explained my situation that I was being charged a yearly fee including expressing that they had not sent me any correspondence/bill that anything was due. She explained that there might have been a mistake because the credit card I have does not require a yearly fee and that she would put in the dispute to have it removed. She also advised me to call on Monday because the collections department was not available. On Monday XX/XX/XXXX I called back to speak to someone in the collections department. After I explained the situation including what the representative told me on XXXX the XXXX, she said now a days this card does not have a yearly fee for me to pay it and that once it's investigated I would be credited. I did the payment and she in turn gave me a case ID and told me to call back on Thursday. I called back on XX/XX/XXXX and talked to another representative and he said that they have done their investigation and have come to a conclusion. I asked them when where they going to send me a notice of their conclusion and he said you should have gotten a notice already. But that their conclusion that they have denied my claim of having this 30 days late yearly fee stay on my report for another 7 years. 

I had asked him to speak to a supervisor because as he can see my payment history and the use of my card that I have never been late nor had I abused the credit I had with them. He said they have already made the conclusion and I would receive a letter in the mail. 

I have attached the following documents to this complaint XXXX. Letter XXXX. BOA Bill with highlighted yearly fee XXXX. Copy of a utility bill with proof of address XXXX. Copy of 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 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I called Capital One to advise them I was going XXXX  and would be using my credit card. They said, " It is no longer necessary to alert us to foreign travel '' but assured me the card would work anywhere in XXXX. I used the card a few times to make small purchases at the airport in XXXX and to pay for the taxi from the airport to our hotel and there was no problem. However, at the hotel, when I proceeded to pay my bill, the card was rejected. I had to pay with an alternate card with a high international transaction fee ( Capital One does not have this fee ). 

I called Capital One to try to resolve the problem, but they refused and said I would have to upload documentation, some of which I didn't have available overseas. They claimed I was using the card fraudulently even though I was using it to pay my hotel, taxi fare, and other usual expenses when on foreign travel. I was in XXXX for XXXX full weeks, and I was on the phone with them and sent whatever documents I could, and they still refused to reactivate the card. The customer service representatives were very rude, and indifferent and did not try to resolve the problem. When I asked the matter to be elevated, they refused to let me speak with a supervisor. 

After I arrived back in the United States, I sent the remaining documentation they requested. Still, after several days, the card is still not working, and they said they could close the account. That is all they have to offer. 

Blocking my account the day I arrived in XXXX caused a great deal of pain for me and my family. We've had to use expensive ATMs and alternate fee-based credit cards, and this has increased our expenses. Their refusal to remove the block on the card is beyond reason and this is why I am contacting you. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX I opened a dispute with Citi due to a merchant not issuing me a promised refund. On XX/XX/XXXX I submitted all required documentation to Citi showing evidence ( via text messages and recorded phone called, attached here ) that the merchant offered me a refund and accepted the products back, yet never issued me a new invoice showing that I was given the refund. On XX/XX/XXXX, Citi ruled in the merchant 's favor claiming I did not provide evidence of the merchant accepting the merchandise back, even though this was provided. The merchant did not even dispute the claim that I had returned the merchandise. I am now liable to pay {$7900.00}, despite giving evidence that I received both no services or products of any value and was offered a refund by the merchant. 

The merchant never issued me a formal invoice showing a refund, but rather took the product back and proceeded to steal my money. Citi did not receive a response from the merchant disputing this charge, but still is unwilling to work with me and is clearly violating FTC rules related to fraudulent charges for services not delivered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect date of last activity, term length, and incorrect payment history for account ( XXXX XXXX ). Because the date of last activity, term length, and payment history being reported by your company, XXXX and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. This account is being reported with inaccurate information is actually violating my FCRA rights, which means this the information being reported should be the same across the board and be 100 % accurate or you are subject to {$1000.00} per violation. Delete this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I opened an account with PayPal in XXXX of XXXX and was getting my unemployment checks directly deposited into my PayPal XXXX account during Covid-19. I was unable to get out and open a regular checking account at the time due to the stay at home order in place in my state. PayPal was recommended to me by my granddaughter. In XXXX of XXXX, I received an email asking for several identity verification measures, which I uploaded immediately. I continued to use my account and have my unemployment benefits deposited into my PayPal account. On XX/XX/XXXX, my account was permanently limited unexpectedly and my funds were frozen. I was struggling to cover my bills due to Covid-19 when PayPal refused to allow me access to my funds. I was informed that after 180 days I would receive an email with instructions on withdrawing my remaining {$1900.00} from the permanently restricted account. I waited 180 days and did not receive the email from PayPal, so I began attempting to contact them. I was never able to speak to anyone that was able to give me any answers or help in any way. I continued to call and message PayPal for help withdrawing my personal funds from a permanently disabled account, but always got the same response that a message was sent to the front office. After months and months of attempting to contact PayPal unsuccessfully, I filed a dispute with the XXXX XXXX XXXX on XX/XX/XXXX. I finally received a response from PayPal, but they still refused to give me access to my personal funds. Their response was that they are not obligated to release my funds and if I have further questions to email the US Secret Service. I emailed the address that was included for the Secret Service, but have yet to receive any correspondence from them. I have also emailed PayPals Office of Executive Escalations at the address attached to the XXXX  claim, but have yet to receive a response from them either. I have made every possible attempt to settle this problem with PayPal, but after over 2 years Paypal is still denying me access to my personal funds. I do not want them to reopen my account, nor would I ever do business with them again. I am only requesting that they allow me to link my XXXX XXXX XXXX account and withdraw my funds from the permanently closed PayPal account. I would accept a paper check sent to my address, if that would be easier for them, but I want my money out of PayPal immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Name XXXX XXXX XXXX account # XXXX, XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
I was a XXXX customer for dental aligners in a program that was also to include several checks by a dentist. Being that I was unable to receive adequate dental care with the program products were returned and refunds were issued. The debt collection company by the name of XXXX also doing business as XXXX solutions continues to try to collect on a debt that I do not owe and whenever I try to call to try to resolve the matter I am either told that they do not have to talk to me or a representative of the organization disconnects the phone line and hangs up on me or transfer me to another representative who continues to repeat the same actions. I am unable to resolve the issues through normal channels so I am resorting to reaching out to the bureau for further assistance. Although I have told this debt collector numerous times that I do not owe the debt the so they need to cease further contact with me the company continues to call and text my cellular phone using an automated dialer although the phone number that the company contacts has been on the XXXX Not XXXX XXXX registry for a number of years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent you a letter on XX/XX/2022 but it's been over a month now I still haven't got a response nor have you guys updated the status of the dispute on my credit report. This time I am seeking help from the CFPB with the hope that you're going to comply this time. This error is affecting me so much.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
XX/XX/XXXX there were 3 credit inquiries on my credit report that I did not authorize Bank of America XXXX XXXX XXXX XXXX XXXX A new credit card application was denied by XXXX ( XXXX XXXX XXXX ) I did not try to open this new account

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled my Credit report on XX/XX/2022 to find out that XXXX had placed a missed payment on my report. I was not aware of a missed payment being that I am away XXXX  working and my wife handles the payments while I am away. However recently my wife fell ill and had to have XXXX so I had to come home and tend to her but it was not communicated that she missed a payment. I did not receive notification of a missed payment nor a letter and was not given an opportunity to rectify this mishaps.However we moved back in XXXX of 2022 and my information has not been updated with XXXX, so if they sent correspondence, I have not received it. I called XXXX and explained to them what happened, and I was told that once I made another payment for XXXX which is not due until XX/XX/2022, they will remove the derogatory information off of my credit report. I think that is unfair and it is hurting my credit report and my job is affected by this. I was not given an opportunity to dispute this or correct it before it came to be a 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