vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had a credit card with capital one since XXXX going on 5 years already I have requested for a credit limit increase twice for account ending in XXXX once in XXXX of XXXX and once in XXXX of XXXX both times they gave me two different excuses why they wont approve me in XXXX they said they were monitoring my credit activity so they didnt approve it then in XXXX they said I have too many recent inquiries so they denied me again.. I have had stellar payment history with them and my credit utilization is 10 percent or below every month but in XXXX of XXXX they approved me for a Capitol one Walmart rewards card?!? I find it odd that they wont allow me to get an increase on my longest standing trade line but will approve a new trade line for me instead? I dont feel they have my best interest at heart as a customer thats had a card with them for 5 years the only reason I have too many recent inquiries is because I had two auto loans in XXXX due to a car accident I had to get another vehicle other than that Im responsible with my credit utilization and my debt to income ratio is excellent I have had stellar payment history so i feel that they should approve me for an increase for account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX, and I have a VA loan with Caliber Home Loans. As of today, XXXX XX/XX/2022, my insurance company hasn't received my insurance company. XXXX XXXX told me that they sent three checks, but none of them have been received by my insurance company. Caliber Home Loans has a serious problem in their Escrow department, as their are many complaints on the XXXX  website regarding the Escrow department. I would like the consumer financial protection agency to investigate this company 's Escrow department. I can reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX, I received notice of declined card activity on my Chase XXXX card. I looked online at my card 's activity and saw fraudulent purchases for {$110.00} at a XXXX XXXX XXXX XXXX, MD, and {$4400.00} at the XXXX XXXX in the same mall in XXXX. I called the fraud department at Chase XXXX, and the representative said they would take care of it. However, in early XXXX Chase sent me a letter saying that they were holding me responsible for the entirety of the charges because I had " received benefit. '' When I followed up with the Fraud Recovery department, I learned that they had not contacted the XXXX XXXX XXXX MD XXXX Police Department, XXXX XXXX, or the XXXX XXXX to find out who was responsible for the fraudulent purposes. When I asked XXXXXX/XX/XXXX XXXX from XXXX XXXX why Chase had not taken any steps, he couldn't give me an answer. When I asked him why the initial representative that I spoke to on XX/XX/XXXX didn't advise me to call the police, he said that such a recommendation would sound " accusatory. '' In my opinion, this failure of Chase XXXX 's to make any attempt to alert the police or the involved merchants of fraud, and Chase 's failure to advise me to call the police, is enabling criminals to operate with relative impunity. If I thought for a moment that Chase would take zero action to help the police protect us from criminals, I would have called immediately. They are a huge corporation with access to all kinds of information and businesses world-wide. Why do they think they have no obligation to use their resources to protect customers and businesses?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello Please can you help me what to do with this issue in my PayPal account? 

I just receive an email from PayPal that telling me that I can no longer do business with them. Right now I don't know what to think. I don't remember anything that i violated like PayPal told me. 

It all started this last transaction in my PayPal account. after I withdraw my money to PayPal and cash in in my XXXX account that I link to them. They send me the notification that I already receive the money and it will just take a moment to appear in my account. Before it's like a minute later, the money will already appear. But this last transaction that Im telling is not happen. And also I notice that I didn't receive a reference number from my XXXX account and no text at all like I always receive when I cash in in my PayPal. 

I also check my history in my XXXX if I receive the money but I didn't receive any. 

Since they send me the notification in my email that they already send the money I decided to email my XXXX account to tell them that I didn't received a confirmation text to them that I received the money from PayPal. 

I remember send the details from PayPal to my XXXX so they can also fix the issue so I will get my money. 
While waiting for my money to cash in in my XXXX account. 

PayPal send this email that I can no longer business with them. I can't see anything wrong that I did to do business with them. And it's really unfair. Because it will really affect my business. I'm worried because right now this is my only way to help my family. Can u help me to restore my account to them? 

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: IL

Complaint narrative:
i am XXXX and was taking advantage of due to mild practice while several laws were being broken under the FCRA by your company. this has caused me financial injury and defamation of character your company failures to positively verify information reported has hurt my ability to obtain credit, employment, and a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: IL

Complaint narrative:
i am distressed and was taking advantage of due to mild practice while several laws were being broken under the FCRA by your company. this has caused me financial injury and defamation of character your company failures to positively verify information reported has hurt my ability to obtain credit, employment, and a home.

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 2022-01-26 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: NC

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.They have not sent me any methods of verification or validating documents and have ignored the fraudulent activity on my credit report as well as allowed debtors to continue to report on fraudulent accounts.

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 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
Dear EOS CCA ; How are you and how you been? 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 : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. 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
Consumer complaint received 2022-01-26 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: MA

Complaint narrative:
Dear Credit Reporting Agencies, XXXX, XXXX and Transuion ; I'm getting anxious every time i looked at my credit report with those alleged negative items listed below because you're failing to truthfully investigate my previous requests. Sorry, my English is not that perfect, but i'm stressed out. There is no way that your company can say that they complied with my investigation because there are still multiple errors, incomplete, and unverifiable information. 

Here are the 3 items I'm concerned about and I demand an immediate deletion. ( XXXX XXXX ; & XXXX XXXX XXXX XXXX ; & XXXXXXXX XXXX XXXXXXXX ). As you can tell, those accounts still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. 

Plus, for the last 3-4 months, I'm getting generic template responses from your agency. It's my understanding reading the recent articles from cfpb website that XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond.

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 2022-01-26 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: MA

Complaint narrative:
Dear Credit Reporting Agencies, Experian, XXXX and XXXX ; I'm getting anxious every time i looked at my credit report with those alleged negative items listed below because you're failing to truthfully investigate my previous requests. Sorry, my English is not that perfect, but i'm stressed out. There is no way that your company can say that they complied with my investigation because there are still multiple errors, incomplete, and unverifiable information. 

Here are the 3 items I'm concerned about and I demand an immediate deletion. ( XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX ). As you can tell, those accounts still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. 

Plus, for the last 3-4 months, I'm getting generic template responses from your agency. It's my understanding reading the recent articles from cfpb website that XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond.

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 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C. Systems is a debt collection agency that has taken my debt from XXXX XXXX XXXX. I have called I.C. Systems and have attempted to get in touch with XXXX XXXX XXXX several times now, but to no avail. I have always paid my bills and am on-time for payments. I have never seen so much as a bill or any kind of alert from this medical group. 

I contacted I.C. Systems to find out what the collection was for and was told that it was in regard to the birth of my daughter. My daughter was born via c-section on XX/XX/XXXX, where my medical team saved my life and I was being treated by an in-network OB-GYN at an in-network hospital XXXX They are attempting to collect payment for a service where I had complete insurance coverage and they should have had my full policy information. At no point were my husband or I informed ( by hospital personnel or the attending pediatrician ) that the pediatrician who was present during the c-section was out-of-network. These services were rendered when I could not consent, and I am reiterating that I never received so much as a bill from this company prior to them sending this charge to collections. I.C. Systems is dating this charge to XX/XX/XXXX, which makes absolutely no sense. Please review this case I implore you to erase this collection from my credit report, as it does not make sense to belong there, and I am worried that this is a fraudulent charge. Thank you 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 explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: NY

Complaint narrative:
I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I found two different hard inquiries only on my Equifax credit report. I called and informed them that I have never entered their place of business in my life. I then asked for the documents that they had in their possession so I could see for myself. I was told they only had the one because I had submitted an application twice and when that happens they simply change the date on the original. I also asked for a copy and was told to just dispute it with Equifax. The party above with the two hard inquiries was XXXX XXXX XXXX of XXXX XXXX with one inquiry on XXXX XXXX and again on XXXX. 
I was also informed that during this time frame the people I spoke with had not yet began employment there and that all parties who were working during this time frame were no longer employed there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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:
XXXX XXXX, XXXX a credit account was removed from my credit report by Experian. This account was in good standing and I did not dispute its existence. The removal cause my score to drop due to a shortened credit history. The account was not due to be removed until XX/XX/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 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I got a Vanilla Gift card Visa with {$200.00} on it, took it out of the packaging to use it at a store and they said it only had {$1.00} on it. The balance had already been used before i took it out of the packaging. I contacted Vanilla immediately they say it was used in California and I live in Massachusetts. I dont understand how this can happen when the card never left my presence and had not even been open yet. I started doing some research online and it appears this has been an ongoing problem with Vanilla. Lots of people had the exact same issue. Seems like a someone is getting the information on the cards before people can use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allgate Financial, LLC
State: NY

Complaint narrative:
I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2022 {$1100.00}. XX/XX/2022 {$1900.00} & {$1400.00}. XXXX XXXX {$1900.00} & {$1900.00} these are fraud charges on my BANK. also fraud charges on 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 monetary relief
Consumer complaint received 2022-01-26 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: NC

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.They have not sent me any methods of verification or validating documents and have ignored the fraudulent activity on my credit report as well as allowed debtors to continue to report on fraudulent accounts.

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 2022-01-26 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: Self Financial Inc.
State: MO

Complaint narrative:
I opened a Self account in error. Payments were made on time before I closed it.

Company response to consumer: Closed with explanation