vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
The letter sent to PayPal today describes what happened and is copied below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PayPal Inc . 
Attn : Billing Error Dispute Documentation Request XXXX XXXX XXXX XXXX XXXX XXXX  PayPal Case # XXXX Case Denial To Whom It May Concern : I am writing to challenge this denial of a recent order transaction in which Pay Pal took more from my credit card than the company charged me. The order totaled {$65.00} and PayPal paid the company {$81.00}.

The order from the company as well as information from the tracking company clearly states that the cup holders purchased were part of a XXXX Sale and included an additional 20 % off and free shipping if XXXX were purchased. I authorized payment for the {$65.00} as you can see on the order confirmation ( enclosed ). The PayPal confirmation paid out {$81.00} with no explanation of the discrepancy. I challenged this additional {$16.00} and asked to have it returned to my charge card and you denied this. 

I received a response from PayPal that the case was denied after contacting the company because the difference was due to additional fees, shipping charges, or currency conversion rates. 
The items price was listed in the ad in XXXX dollars, shipping was free, there was no mention of any additional fees, and New Hampshire has no sales tax so that should not have been charged. 

If you received a request for more than the amount listed on the order, you should have notified me before paying it out. I would not have ordered the items that included this additional charge. 

This is XXXX of the few times that I have ordered something from a XXXX ad and believed that if it was a scam, I would have been protected by paying through PayPal. I am very disappointed that this is not the case. You should have notified me that they were trying to take more money than I authorized. 

Please refund my credit card with the additional {$16.00} that I was charged. 


Sincerely, XXXX XXXX XXXX ( XXXX ) Cc : Consumer Financial Protection Bureau

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14 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: PA

Complaint narrative:
On XX/XX/2022 I paid {$150.00} to XXXX XXXX. This was to close the account ending in XXXX for a lesser amount. The account was closed but yet to be charged off. XXXX XXXX had emailed me with the offer and I took it. Upon payment, I was no longer able to access account or details within the app, it now stated charged off after I paid the agreement amount. It was then put on my credit report as charged off. I was in a pre-approval stage of buying a home. After the incorrect entry on my credit report, I lost approved status. I can now possibly face XXXX  with my family. I was trying to do the right thing and it back fired. I believe this is predatorial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: PA

Complaint narrative:
On XX/XX/2022 I paid {$150.00} to XXXX XXXX. This was to close the account ending in XXXX for a lesser amount. The account was closed but yet to be charged off. XXXX XXXX had emailed me with the offer and I took it. Upon payment, I was no longer able to access account or details within the app, it now stated charged off after I paid the agreement amount. It was then put on my credit report as charged off. I was in a pre-approval stage of buying a home. After the incorrect entry on my credit report, I lost approved status. I can now possibly face XXXX  with my family. I was trying to do the right thing and it back fired. I believe this is predatorial.

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 2023-01-14 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: CA

Complaint narrative:
I have reported this issue to the credit bureaus by sending certified letters to each credit bureau. My attorney has sent documents and second notices to the credit bureaus and no response from either credit bureau. It has been longer than 60 days no response. my attorney has been working to resolve this issue but has been unsuccessful. The credit bureaus falsely updating information without investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reported this issue to the credit bureaus by sending certified letters to each credit bureau. My attorney has sent documents and second notices to the credit bureaus and no response from either credit bureau. It has been longer than 60 days no response. my attorney has been working to resolve this issue but has been unsuccessful. The credit bureaus falsely updating information without investigating

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 2023-01-14 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Violation of section 807 15 usc 1692e false or misleading representations. The account is fraudulent or innacurate. 

Violation of section 15 usc 1692c ( b ) communication with a person other than the consumer without the prior consent of the consumer or attorney. 

Pursuant to Federal Law 15 U.S> Code 1692g Validation of debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of the judgement or the name and address of the original creditor. They have not provided me with any documentation as of yet, so I am demanding deletion of this account. 

This collection agency, XXXX XXXX XXXX, has no contractual agreement in place with me nor any type of permission to communicate with me, yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of section 807 15 usc 1692e false or misleading representations. The account is fraudulent or innacurate.

Violation of section 15 usc 1692c ( b ) communication with a person other than the consumer without the prior consent of the consumer or attorney.

Pursuant to Federal Law 15 U.S> Code 1692g Validation of debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of the judgement or the name and address of the original creditor. They have not provided me with any documentation as of yet, so I am demanding deletion of this account. 

This collection agency, XXXX XXXX XXXX, has no contractual agreement in place with me nor any type of permission to communicate with me, yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately. 


Sincerely, 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 non-monetary relief
Consumer complaint received 2023-01-14 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of section 807 15 usc 1692e false or misleading representations. The account is fraudulent or innacurate.

Violation of section 15 usc 1692c ( b ) communication with a person other than the consumer without the prior consent of the consumer or attorney.

Pursuant to Federal Law 15 U.S> Code 1692g Validation of debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of the judgement or the name and address of the original creditor. They have not provided me with any documentation as of yet, so I am demanding deletion of this account. 

This collection agency, XXXX XXXX XXXX, has no contractual agreement in place with me nor any type of permission to communicate with me, yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: PR

Complaint narrative:
This is the continuing of a closed complaint with no resolution. CFPB does nothing for the consumer but I wanr people to see that this bank and CFPB its not pro consumer. 

Today is Saturday, XX/XX/XXXX and nothing has changed after XXXX days of this issue. I dont have my debit card and my requested compensation ( that my lawyer will take care of that ). I only receive the letter that Ive been submitting to my creditors. A job that they shouldve done because its their fault but now Im stuck losing my time thanks to them. 

Ive had to borrow money to go to my doctors visits and do my errands as I still have no access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: NC

Complaint narrative:
Identify Theft : 1. XXXX XXXX XXXX XXXX I have disputed this account over 150 times and never have I done business with XXXX XXXX XXXX. 

Name and/or badge number of the law enforcement personnel who processed the report : XXXX XXXX XXXX Sheriffs Department XXXX XXXX XXXX  Case Number # XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I contacted USAA credit card department on XX/XX/22 in regards to my XXXX with them. The card is now at a XXXX  % interest and it is becoming harder and harder for me to pay this bill, specially when more than half of the payment, is going towards this interest. I explained to a representative my situation and that I needed to place this card under hardship, even if it meant closing/freezing the account, as long as I can get out of debt more realistically. The representative put me in a XXXX minute hold and later came back stating that unfortunately they did not lower interests for accounts. I asked XXXX more time that I understand but that based on my situation I understand if the account will potentially be closed, USAA closed my checking account with them already after more than XXXX years of membership, so my only priority was to get out of the card debt sanely, and that I was not expecting to keep the account open for the payment arrangement so I would not be using it. She once again put me on a XXXX minute hold and came back stating that she was sorry but that the option I was requesting was not offered by USSA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have XXXX amazon store card from synchrony bank and there is a duplicate charge of XXXX dollars from XXXX on the card by amazon.com that they already charged me on XX/XX/XXXX and on XX/XX/XXXX and on XX/XX/XXXX and on XX/XX/XXXX so I was charged for the same single item XXXX  times by XXXX and synchrony bank and there is also there are XXXX items that I returned to XXXX and each is for XXXX dollars and I only received XXXX refund on XX/XX/XXXX for only XXXX item but XXXX and synchrony bank still owe me XXXX dollars for the second item that I returned. So synchrony bank now owes me and should refund me both of these errors. XXXX for an overcharge of XXXX dollars that I was charged several times for the same item and XXXX dollars for the second item returned but never received a refund for it from 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 2023-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
The debt I received was due to a identity theft in the result of someone opening an account in my name with devices I have not claimed. Its very frustrating because I have tried to explain that to the debt collections and they still call every single day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a direct deposit in my Capital One checking account early in the morning of XX/XX/XXXX. This was the day to be paid as indicated by my employers pay slip. Then it just disappeared. 

I called initially and was told to just give it time. This is despite the fact that a portion of my pay goes to another account, and that had already posted without incident. I called back and was told its not there, so call your employer. I explained that there was no issue with the part of my direct deposit that went to another bank. 

According to Capital Ones own website, direct deposits should post the same business day. That would be yesterday at this point. I believe Capital One is doing what most large banks do. They process a deposit last but process charges first. Also, with it being a holiday they can needlessly hold on to funds most likely with the intent to charge fees. 

I was told it would take 20 days for this issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc
State: FL

Complaint narrative:
The account is for an apartment lease. I disputed that account in XXXX  at the credit bureaus and the account was deleted from my credit, currently it does not appear on my credit report. They called my son who also appeared in the lease and began to aggressively tell him to do a XXXX way for him to call me and asking him for personal information such as my son 's address after that the person tell him that if he did not return the call in XXXX hour they were going to take the case to court. 
They told my son that the amount was like {$4500.00}. The company is XXXX XXXX, I check online and this company have a lot of complaints and is not register at the Better Business Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
McCalla Raymer Liebert, LLC is attempting to collect debt that XXXX XXXX XXXX has never validated via documentary evidence ( 15 USC 44 ), per my request on XX/XX/XXXX, which violates 15 USC 1692G and discriminates against consumer rights. XXXX XXXX XXXX without the prior consent of the consumer given directly to the debt collector, or the ex- press permission of a court of competent juris- diction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, communicated McCalla Raymer Leibert Pierce , LLC my contact information without an attorney, a consumer re- porting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector ( 15 USC 1692c ( b ) ). After the consumer credit transaction was completed on XX/XX/XXXX by XXXX XXXX XXXX after XXXX XXXX XXXX as a consumer and creditor, provided her credit card to XXXX XXXX XXXX, the property at address at XXXX XXXX XXXX XXXX XXXX XXXX for personal, family and household purposes is fully paid for, pursuant to 18 USC 8. McCalla Raymer Leibert Pierce , LLC has decided to disregard 18 USC 8 and request payments which is harassment, abusive and oppressive ( 15 USC 1692d ). McCalla Raymer Liebert Pierce, LLC is using false, deceptive and misleading representation of the character, amount and legal status of debt to collect debt, which violates sections ( 2 ) ( A ) and ( 10 ) of 15 USC 1692e. Threat and attempts to proceed with a foreclosure sale is a violation of sections ( 4 ) and ( 5 ) of 15 USC 1692e and 15 USC 1692f ( 6 ) ( A ).

Company response to consumer: Closed with explanation