vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
capital one XXXX XXXX XXXX XXXX Ca Was closed for stealing my 1099 from my mailing address and the terroristic attack of XXXX from my bank account. They are complicit in multiple crimes all including corrupted local law enforcement ( staged looting and riots ). 

This was a crime prior to the onw the COMMITTED here in my other complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Reporting agency did not respond in 30 days

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 2020-07-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE XXXX XXXX+ ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM 19 TO 38. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH XXXX XXXX XXXX XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Reporting agency did not respond in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: NC

Complaint narrative:
Reporting agency did not respond in 30 days

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 2020-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: Nelnet, Inc.
State: GA

Complaint narrative:
PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE $ XXXX ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM 19 TO 38. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH XXXX XXXX XXXX XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 I purchase an airline ticket from XXXX XXXX with Chase credit card for the amount of {$1400.00} for my father. The flights got cancelled and on XX/XX/2020 I called the airline company for a refund so that I can purchase another ticket through another airline. They assured me that I would get a refund. They also requested me to submit a feedback survey for the refund which I did. I never heard back and/or received a refund so I disputed the charge with Chase on XX/XX/2020 letting them know this exact situation. One my last statement on my Chase credit card dated XX/XX/2020, Chase recharged my card. I called asking why this happened and they told me that this was a valid charge. I asked that these flights had been cancelled and that the merchant had promised a refund. They told me to fax in a letter and any supporting documents to re-dispute this charge. I still don't have this charge removed and/or re-disputed on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
My credit card has been closed for some time. I had a card and my mother, XXXX XXXX was an authorized user ( card XXXX ). My mother was making payments since I authorized her use of the card. The payments have always been made in a timely manner. One payment was made for {$40.00} on XX/XX/XXXX via the XXXX bill payment. This payment was returned to XXXX stating an incorrect account number. The number was correct, she has a card with a different card number but linked to the same account as me. XXXX, made the payment via USAA website payment option on XX/XX/XXXX for {$53.00}. 
This returned payment caused late fees to be assessed each month beginning in XXXX through XX/XX/XXXX. Some for {$35.00} as well as several for {$25.00}. 
I began reaching out to USAA in XX/XX/XXXX, requesting assistance to lower the interest rate on this card since I was experiencing a financial hardship, as was my mother. 
I have sent 3 letters to USAA making this request and they only respond by sending a letter stating the account is 3 payments past due and they will turn it over to the collections. I am willing to continue the payments that have been made, however, the balance and payments are now increased to the point I can not make the minimum due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: LA

Complaint narrative:
I reported card lost slash stolen sa month or to ago. Fir charges. Made on a store card of XXXX at XXXX store I have no knowledge of nor have I ever been to nor do I have that kind of money to m I completed firm in and it was returned on time to Target fraud division and told my case was good. However they have overturned there decididion and are claiming I am liable because a pin was used at register etc. Again I asked them if they needed my I'd and we're interested in pulling video at the consumer location to prove I dud not make purchases they mentinod they will look into it. I was harrased by the fraud investigator asking me if that was my real name real phone number real age.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I sued my auto finance company, Ally Auto in XX/XX/2019. They locked me out of my account for months, I was not able to make payments. I called and was told my account was frozen due to the litigation. Now the company is reporting me late for not being able to make payments. I feel I am being punished because I sued Ally ( and won, over vehicle damage during a repossession ). I have asked them to correct this several times and was told they would. They are reporting different things to different agencies, which makes no sense.

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 2020-07-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
I sent a payment of {$1900.00}. This payment was placed in escrow without my knowledge or my agreement. I made an inquiry to this payment in XXXX of XXXX and was told it would be taken care of. 
I was told that the payment was placed in escrow since it was a partial payment ( short {$99.00} ). Payment currently just increases from {$1500.00}. I believe your company to be honorable and would ensure it would do as it said. When I noticed in XX/XX/XXXX that the payment still was not applied correctly to my account. I called your company and insisted that I speak with a supervisor. I was told the payment was never removed from escrow and that made my account appear to be three months behind. During this conversation, I was once again ensured that the payment would be moved from escrow to my principal mortgage payment account. I requested that any interest or fees that accrued due to the displacement of the funds be removed or refunded to my account. I was once again ensured that this would also happen. 
In XX/XX/XXXX I called your company back once again because I notice the payment was still not applied to the correct account. I went through the process again explaining the problem and was ensure all corrections would be made as requested. Still, no progress was made on moving the funds to the correct account as of XX/XX/XXXX when I made another inquiry to why this problem persists. I was told this problem would be corrected by XX/XX/XXXX. I waited and called back to see if this was truly the case because, at this point, I have lost complete faith in anything I am told by your agents. Once again, I asked to speak with a supervisor, I was informed that the money would not be moved because it was past the six-month period to dispute. 
I have been calling and disputing this issue since XX/XX/XXXX and now I am told that is can not be done due to time expiration. I was not informed in writing about the moving of my payment to escrow. I received no notice asking me if this was something I agreed upon. Each time I call the person I speak with has no record of the previous call or transcript of the calls. 
I just received a denial letter from LoanCare which stated the same thing that they said over the phone. In the document attached they only included payments from XX/XX/XXXX until the present. My problem with that is why not send all my payments on the account so I can see how everything has been applied to my 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 explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I made an order with Raymour & Flanigan on XX/XX/XXXX. The order contained a couch, love seat, club chair, ottoman, coffee table and two end tables. I was given credit from Raymour & Flanigan for this purchase. When initially making the order, the sales woman informed me that they would be " flexible '' with the delivery time window and that it could be changed after I placed the order. Of course, the day prior to delivery I called and they informed me that there was no flexibility. This was a difficult hurdle, as I was closing my house on the following afternoon and now had to figure out how to receive the delivery properly. Regardless, the coffee table and end tables were not delivered. I have attempted to call Raymour & Flanigan more than 10 times, and every time I call them they route me through a number of prompts, then throw me into a voicemail which they NEVER return. I have attempted to email them and have received no response. I have attempted to chat them and have received no response. On XX/XX/XXXX and on XX/XX/XXXX, I attempted to call them again and used different prompts. The system informed me that my wait time was 1 minute. After waiting on hold for 20 minutes, the system then told me that this was a non-working number. In the same breath, they have put credit against my name and I have no way of accessing the credit to pay my bill. When I login to their website, it says that I have no order history. Now, my entire credit score is in the hands of Raymour & Flanigan and their blatant incompetence and horrid customer service. I have an 800+ credit score, and to even SPEAK to someone I have to file a CFPB complaint - absolutely ridiculous. This company should be shutdown for their abuse of customer 's credit livelihood and complete disregard for their customers after making the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: CA

Complaint narrative:
I went into the unemployment office because i had a change of address, i filed for unemployment a month before coming into the office. I wasnt recieving any mail for any notice of my unemployment filing and have no idea where the benifits are, or if they ere even recieved. Im not getting any help. I revieved a phone number from the offic to call and i was put on hold for 23mins.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Im trying to link my bank account to digits a savings service and PNC wont allow it any longer. I should be to link my account if I want. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: Westlake Services, LLC
State: NY

Complaint narrative:
XX/XX/XXXX I bought a used car from a Dealer in New York called XXXX XXXX ( XXXX XXXX ) and it was financed through Westlake Financial with head office located in California. After I took the car home, I found out there were multiple issues and we started going back and forth which resulted in Arbitration under New York XXXX XXXX. New York State Arbitrator ( Attorney General Office ) told the dealer to refund us our Money in XX/XX/XXXX and send us copy of the documents to mail the dealer confirming the refund. Towards the end of XXXX going towards XXXX, New York State was hit by the coronavirus virus so I had to wait until XXXX to drop the defective car off. I reached out to Westlake Financials and sent them copy of the New York XXXX XXXX in regards to the XXXX XXXX Case with the car and they confirm receipt. I also told them the dealer is suppose to pick up the car and refund us our money and also refund the balance to Westlake. I called Westlake Financial over 20 times and sent multiple emails letting them know the car no longer a belong s to me and they didnt respond. I was told they can not speak with me and they will speak to New York State who is representing me. I got a notification saying Westlake reported my car on my credit was delinquent and past due. I reached out to westlake and they told em theres nothing they can do and I cant speak to anyone. I also searched online and send emails to multiple departments and executives at westlake about the issue and no one responded. The dealer also mentioned that they are working with Westlake. The dealer has the car and we still havent gotten our refund and Westlake is being unresponsive. I also file a dispute with credit bureaus against Westlake and westlake reported that the information was accurate and that Im past due and delinquent which is not affecting my report tremendously.

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 2020-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MD

Complaint narrative:
I have submitted four disputes with XXXX asking them to verify of immediately remove this collection from XXXX XXXX  from my credit report that I have no knowledge of. During my second attempt that was submitted on XX/XX/2020 they never sent me any notice whether it was verified or removed so I signed up for their subscription that showed they updated the account on XX/XX/2020 just days later without any full investigation. I have sent notarized letters asking numerous times along with a copy of my driver 's license and social security card. XXXX and XXXX has removed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020 Sears Mastercard close my account after receiving payment of total balance outstanding. The reason given by Sears Mastercard was information received from my XXXX  Credit Report with incorrect information from XXXX XXXX in dispute. I contacted Sears Mastercard via telephone and email on XX/XX/2020 to inform them that my intention was to reduce my Credit Card Utilization. I requested an appeal to have the current credit limit reported to the credit bureaus.

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 2020-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously submitted a complaint twice through this website and Transunion does what they always say. Theyre working on it. Thats not good enough. My credit report states that the information meets the FRCA requirements. I was not in attendance at that school when this account was opened. I will contact an ombudsman if this is not resolved. I have 100 % payment history with every other credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: OH

Complaint narrative:
Hello, I became aware that there was some problem with my PayPal account the first of XX/XX/2020. I received the following alert, " Theres a problem with your account. Be sure to resolve it to restore full account access. '' I then received the following notation to my account, " You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 
Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 
Reference ID : XXXX I attempted to phone their customer service with no success. I then messaged then the following request, " Hello Again, I have attempted to contact you by phone and message and have received no response. You have limited my account and you have not provided me with any reason why you have taken this action. I have done nothing to warrant this action and have been a customer for 17 years and have had no issues. I will pursue additional action through XXXX and FTC and Homeland Security as well as any financial institutions listed in my account to further  investigate your company practices as there appears to be some breach of your system and my continued account in good standing. I am requesting your reasons in writing for this action as I have no clue why my account is restricted or why you have denied me access. XXXX XXXX '' I continued to look for a response or correspondence and have yet to receive any justification for their action. Further, I can't use and of their services and they have and continue to lock me out of deleting my bank and credit card information. 
I have no idea what prompted their action as I have been a responsible customer for many years. 
As I have tried to investigate and research to obtain an explanation I have discovered that this arbitrary action by PayPal has happened to many people and has been problematic for retailers on XXXX. 
I appreciate any help you can provide to assist me. 
Thank you, XXXX XXXX ( PayPal Acct. I.D . XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
Debt collector has misrepresented information after numerous attempts to have this taken off of my credit report. this bill has been paid in full. this company continues to misrepresent this amount and has not contacted the hospital in order to rectify the status of the collection amount.

Company response to consumer: Closed with explanation