vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 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: TX

Complaint narrative:
On XXXX XXXX started a paypal account to receive money for an accident that was settled out of court. I had never used paypal before but it was the only way the sender said he could send it. I started the paypal page without knowledge that I couldn't link a prepaid debit card. On attempt to connect my XXXX XXXX card it didn't link. I tried my XXXX card it wouldn't link. I thought I could link my spouse card cause it was an actual bank card only because I'm allowed to do so on XXXX XXXX. In doing so I seem to have violated paypal security policy an was locked out my account I received an email that said the account was permanently locked an I would have to wait 180 days. I found that a lil hard to swallow so I continued to call and speak to different reps and one told me if I submitted the my id an my spouse bank statement they would see it review it an my money would be released in the hour. I did so an didn't receive a email back so I tried to call back an the office was closed. So the next day I called an they said they received the documents an it was not going to be able to take the limitation off the account and I would have to wait 180 days. This is a big inconvenience because like I said initially the money was for repairs of my vehicle an in turn it hasn't been fixed an my spouse is at risk of losing his job an no money is coming in to pay bills because we don't have transportation. I have all documentation including the source of the money to prove no fraud had been committed. I understand I am being penalized for ignorance an they have every right to close the account but to hold my funds is Ludacris to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Foundation Title & Settlement Services, LLC
State: HI

Complaint narrative:
I HAVE REPEATEDLY TRIED TO GET A RESPONSE FROM XXXX XXXX, AND FOUNDATION TITLE & SETTLEMENT SERVICES , LLC BECAUSE THEY HAVE HELPED AND OR BEEN NEGLIGENT AND ALLOWED THE SALE OF A HOME WITH FORGED COPIES OF MY NAME ON THE PAPERWORK. I HAVE NOT EVER SIGNED ANYTHING FOR THEM SO WHEN THEY FIND MY SIGNATURES, THEY SHOULD KNOW THAT 1. THEY ARE FORGERIES AND 2. THE PERSON WHOM SENT THEM THE SIGNATURES IS GUILTY OF A MYRIAD OF DIFFERENT CRIMES INCLUDING REAL ESTATE FRAUD. I WANT COPIES OF ALL RELEVANT PAPERWORK AND ANY DOCUMENTATION ATTACHED TO MY NAME, SIGNATURE AND INFORMATION IMMEDIATELY IN ORDER TO TRACK DOWN ALL POSSIBLE OTHER FRAUDULENT USAGE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On my chase app credit XXXX  theres a closed account for XXXX XXXX XXXX XXXX for {XXXX} i don't recall making this or even know this existed.I 've never seen this on my chase app till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove accounts : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft AM HONDA FIN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/21 I made an online purchase for a air mattress with Mattress Firm. I immediately ask for a cancellation through chat ( which I wasnt aware that you can not speak to anyone by phone ). I sent a request to ask for a refund. On XX/XX/21 a representative name XXXX XXXX contact me by email saying it will take 2-3 business days for a refund. Well on XX/XX/21 I emailed XXXX XXXX asking for status on my refund. Per XXXX XXXX Please allow 2-3 business days. I emailed again on XX/XX/21 asking for status of my refund. Per XXXX XXXX She apologize for the delay and that my card will not be charged since the item wasnt shipped. I checked my account on Synchrony.com website ( which is the credit card company for Mattress Firm ) and my account was charged. I sent another email to customer service representative XXXX XXXX On XX/XX/21 asking for status of my refund and also ask for a phone number to speak to a Supervisor but no response back from XXXX XXXX I also contact Synchrony customer service Department at ph # XXXX spoke to Supervisor XXXX, per her shes unable to credit back until Mattress Firm show proof of cancellation but I can fax proof of the request to their fax # or upload it to my account with synchrony. I uploaded the emails online to synchrony account but no one has responded and no one has credited 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 2021-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 there were two transactions done at a XXXX  in XXXX, CA. One for {$210.00}, and another for {$160.00}. I was home just getting back from work and I logged into my app, and saw the fraudulent transactions. I live in XXXX CA, which is nowhere near XXXX  in XXXX CA and I do not go around that area at all. I immediately froze my debit card through the Bank of America app and called right after. The associate told me that it appeared whoever took the money used a card without a chip. They issued a credit for the full amount of the transactions. 

My statement for XXXX shows the first charge at the XXXX, CA XXXX  of {$210.00}. Then after that a transaction for XXXX XXXX XXXX in XXXX, CA of {$55.00}. The next charge is of {$160.00} at the XXXX  once again. Transactions are in chronological order, correct? How can I be in XXXX and XXXX at the same time? I only have one debit card. 

On XX/XX/2021 I received a letter in the mail from Bank of America. It's stating that they are going to remove the credits on XX/XX/2021 because my claim wasn't approved. I called the bank to ask why. The associate told me they made that decision because the individual who used my information was able to successfully enter my PIN on the first attempt. In the letter it says that " The charge was authorized by you or by someone who has permission to use the card or account ''. That conclusion is very absurd and offensive, because at this point they are making it seem as if I'm trying to steal and lie.

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 2021-06-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2021 : Experian added a new COLLECTIONS ACCOUNT to my credit report, which in turn devastated my credit score by -40 points. The new Collections account was by XXXX XXXX for an amount of {$430.00}. I immediately filed a dispute for this with Experian because I have never heard of XXXX XXXX, nor do I owe anyone {$430.00}. This is not my account and should not be on my credit report. XX/XX/2021 Experian completed their dispute investigation and claimed that they have verified the information as accurate and refused to remove it from my credit report. I contacted Experian to find out how they verified that information but they refuse to disclose that information to me. Experian refuses to disclose ANY information regarding the collections account by XXXX XXXX nor will they provide ANY proof or evidence that they investigated it in the first place.

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 2021-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'VE NOTICED SEVERAL ERRORS REPORTING ON MY CREDIT REPORT AND NEED THE CREDIT BUREAUS TO PROCESS MY 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 2021-06-11 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: CA

Complaint narrative:
Experian is allowing XXXX XXXX XXXX  to report an collections account on my credit report even after XXXX XXXX XXXX confirmed that all correspondence was mailed to the wrong address. The Fair Credit Act states that I have 120days to handle before its reported to Experian. If the correspondences was mailed to the wrong address how could I have handled?

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 2021-06-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. I already filled out a FTC report # XXXX which is attached. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Sent a Debt validation request to Southwest Credit according to USC 1692g to validate the debt they in returned sent me paperwork of which is inside the attached files.. They verified the original creditor and that it is a consumer credit transaction This was a Consumer credit transaction, Everyone was credited so there is no need to attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had disputed with XXXX XXXXXXXX XXXX XXXX that they had indicated that I had opened up my credit card in XX/XX/XXXX I just got back the dispute stating that it was valid Ive called XXXX XXXX XXXX XXXX today and I was advised I opened up the account with Capital One on XX/XX/XXXX of XXXX the account charged off on XX/XX/XXXX of XXXX. XXXX XXXX XXXX XXXX purchased the debt on XXXX XXXX. The response back to me it stated they will remove this in XX/XX/XXXX. I lived in Arizona when the account was opened/closed. The STATUE OF LIMITATIONS is 6 years. When I spoke to someone at XXXX XXXX today I did ask them to send me proof of Validation of debt. They are reporting an incorrect date that this account was OPENED. I havent made any Payments on this account to start the clock over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Thought I was financing {$2.00} XXXX, but later found out that it was a lease and payoff is {$6300.00} for a {$2600.00} puppy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
For nine ( 9 ) years I have been fighting with Honda Financial Services to send me the title to my XXXX XXXX. I leased the car in XX/XX/XXXX. When the lease was up after 3 years, instead of trading it in, I opted to buy the car. In XX/XX/XXXX, I paid off the car. 
Since then, I have tried numerous times to obtain my title. I have sent back the odometer statements all to no avail. 
In XX/XX/XXXX, HFS attempted to bill me for registration in VA even though 1 ) my loan was paid in full, and 2 ) my car was registered in FL for over a full year at that point.

I faxed them asking AGAIN for my title and to have them remove the charges they erroneously billed me. Still no title. 
I have sent multiple odometer statements. No title. I have tried the DMV, mytitle, no luck.

I held up my end of the bargain. Why cant Honda do the same?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report. Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax, XXXX  and XXXX  investigate these non-account holding inquiries. In addition, I sent in a 30 day demand letter. It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from each of my credit report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format formate ignoring to report. 

Please see attached documents as a proof of me sending the letter. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very serious that you please investigate and resolve as this is injurious to my character and is obstructing my capability to obtain mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal holds my money for 180 days, and the big issue is all the money I have is there, and my pocket is empty XXXX their customerservice, they don't even care about people 's lives .. I submittedall the documents they asked me for, but unfortunatelythey didn't let me continue my work or even send me 50 % of my money to stay alive .So I decided to text you and I have all trust that you will step in and help me to solve this issue, that will be greatly appreciated .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AFNI, INC. XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation