vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In the year XX/XX/XXXX, I was managing two small businesses ( XXXX and XXXX ). XXXX was providing on line computer support and XXXX XXXX was used for purchasing jewelry items through PayPal. After some time, PayPal sent me collection letters for {$780.00} for XXXX. I have tried to reach PayPal several times by Phone, Inter Office emails and even Certified Letters but I could not resolve the issues. 
In a call to PayPal on XX/XX/XXXX to their Dispute Dept. with XXXX, I was told that the Balance Due is only {$240.00}. On XX/XX/XXXX I received an e-mail statement that amount due is {$460.00}. ( See Exhibit B, Scan XXXX ).

On XX/XX/XXXX sent a Certified mail to PayPal legal Dept. I received an e-mail response on XX/XX/XXXX. ( See Exhibit B, Scan XXXX ) explaining Debt Amount of {$780.00}. Surprisingly if you added those amounts, it come out to be {$780.00}. 
On XX/XX/XXXX PayPal sent me an email in response to my Second Certified letter, ( See Exhibit B Scan XXXX ) to call PayPal to resolve issues. In every call I spoke to different depts. and different people, every one giving different answers. No one would confirm that I have spoken to someone else before. I have sent several inter office emails for which I received an automated response for receiving email without any follow up. 
Previously, I have received several emails informing me that PayPal is withdrawing their money request. In their emails, there is no Case ID or transaction information. Also I have discovered some duplicate transactions showing negligence on part of PayPal. Even after realizing their mistakes amount due is always {$780.00} and it would not change. 
After many phone calls PayPal provided me with access to XXXX XXXX account I have discovered many unauthorized money transfers and several transactions still on hold in their records. ( See Exhibit A and its summary ). These transactions are from XX/XX/XXXX to XX/XX/XXXX. Access to XXXX account was not granted. 
After discussion with several PayPal Dept., I could not get any explanation on phone, by email or hard copy. My businesses have suffered losses and ending up closed because of these irregularities. It has affected my Credit also. I request your help in resolving this case. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On a XXXX balance credit card which I do not monitor I was charged incorrectly for a recurring yearly charge by XXXX XXXX, which I had cancelled in XX/XX/XXXX.  However, without my knowledge or consent XXXX XXXX charged me yet again the following two charges the following XX/XX/XXXX XX/XX/XXXX {$99.00} XX/XX/XXXX {$140.00} Only when the credit reporting agency alerted me of the 30 day late payment notice did I even realize that I was incorrectly charged, I called XXXX XXXX and they admitted their error and reversed the charges immediately. I complained to all 3 credit reporting agencies of this error and they sided with Capital One. This was inconceivable as the agent on the phone assured me that they would explain the mishap to the credit agencies and that the error would be corrected. This however was not the case, which is why I have escalated my claim to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I have had a mortgage loan with Wells Fargo since XX/XX/2004, and recently started a mortgage refinance and found out that Wells Fargo hasnt ever reported the mortgage loan on my credit report. I have made all payments on time since XX/XX/XXXX!!! However I was turned down from a different company because I had no mortgage history reporting on my credit, as well as no credit scores!!!! I contacted Wells Fargo about this and they told me that it wasnt against the law for them to not report my mortgage loan to credit reporting agencies and they I would have to contact a lawyer!!!!

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 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was in some personal emergency and with no access to a PC or mobile phone, so used a phone agent with me bank to process a payment to my credit card company, Capital One, on XX/XX/2020. My bank, XXXX, stated they made the payment for me in the amount of {$150.00} on the XX/XX/XXXX, when called, however they did not. On XX/XX/XXXX I was alerted of a late payment 30 days+ by credit reporting monitor, where I discovered that Capital One on a Wal-Mart MasterCard reported me late for {$3.00} overdue. This would have been covered by the {$150.00} payment from my bank except they failed to process. I contacted my bank, who investigated the issue and confirmed their representative did indeed inform me the payment had been made, but when in fact is had not. XXXX has issued a letter detailing this error, and has requested that any creditor ( in this case, Capital One ) take this as an error on the Bank 's part, and requested to remove any negative impact this caused. I am asking that Capital One do that, as I made the payment in good faith via my bank, who made the error in processing the payment. THis has impacted my credit rating, and I would like to have that restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
It is showing on all 3 credit bureaus ( XXXX, XXXX   and XXXX ) that I was 30 days late 2 times and 60 days late 1 time. I have never been late. I have always been on time. It is my belief that they are reporting the wrong information to my credit report in which it is hurting my credit score. I request that this information be corrected to reflect current for XX/XX/XXXX, XX/XX/XXXX and 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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon Review my credit files, it showed a Collection from XXXX XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX service as I am a customer with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
XXXX XXXX adjust Amount XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
It is showing on all 3 credit bureaus ( XXXX, XXXX and XXXX ) that I was 30 days late 2 times and 60 days late 1 time. I have never been late. I have always been on time. It is my belief that they are reporting the wrong information to my credit report in which it is hurting my credit score. I request that this information be corrected to reflect current for XX/XX/XXXX, XX/XX/XXXX and 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 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: R&R Professional Recovery, Inc.
State: MD

Complaint narrative:
I have previously place a complaint XXXX against R & R Professional Recovery services. My complaint was to obtain verification and validation that the third party debt collector has the right to collect the debt. 

In the response given in the complaint XXXX R & R Professional Recovery has admitted that they are not the company responsible for collecting the debt. The company failed to prove validity to collect the debt they have placed on my report. CFPB obtained a response : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/2020 The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 

By right the CFPB investigated and found that the collection does not belong to the company reporting on my credit profile. That is false reporting and a violation of collection practices. CFPB was asked only to look into the complaint as it pertains to the company reporting on my credit profile namely R & R Professional Recovery. It was reported to CFPB that the company does not have the right to collect. No other company is listed as an affiliate with R & R Recovery with attempts to collect the same debt. A  complete violation of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: JPMORGAN CHASE & CO.

Complaint narrative:
CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time XXXX never late XXXX XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been a Chase customer since XXXX with no issues, on XX/XX/XXXX Chase closed down my account with no prior notice. 
After contacting them several times they still didn't provide me with a reason for closing the account. 
Additionally, I have funds they are not releasing, to be specific a {$6000.00} check that i deposited. They will only release it after I get the signer of the check to come down to a chase branch which is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX-XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT I.C. SYSTEM, INC XXXX AND I.C. SYSTEM, 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 I.C. SYSTEM, INC XXXX AND I.C. SYSTEM, 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 Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District 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 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 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I opened several AAdvantage credit cards with Citibank. I put a total of {$37000.00} on these credit cards, and earned XXXX XXXX miles in exchange. On XX/XX/XXXX, XXXX XXXX shut down my account and forfeited XXXX miles earned through Citibank. XXXX  XXXX  specifically stated that my account was shut down due to the " ineligible '' miles earned through Citibank.

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 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XX/XX/2019 - I received an outstanding balance notification from " XXXX XXXX '', the property management company for " XXXX XXXX XXXX ''. They claimed damages without substantiation of the damage - no receipts or photographs were provided. The amount claimed was {$1800.00}. 

I responded by emails disputing the damages the same day and also on XX/XX/2019. XXXX XXXX   did not respond. 

I visited on site, entering the apartment, and observed that the major expense - claimed damage to a vinyl floor - was not present. I took photos. I sent a certified letter to XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  did not respond. 

My property insurance company provided me {$1000.00}, the policy limit for this type of liability. I forwarded the money to XXXX XXXX This reduced the amount claimed to {$550.00}. 

XXXX XXXX sold or contracted the " National Credit Systems '' to collect this claimed debt. I forwarded to national credit systems my dispute with XXXX XXXX, and asked them to validate the debt. 

" National Credit Systems '' failed to investigate or validate this debt. They simply forwarded an account statement provided to them by XXXX XXXX and stated that I had to prove the debt was not valid. 

As it is not possible to prove a negative, and it is on the creditor to prove a debt as owed, not on the alleged debtor to prove a debt isn't owed, this is abusive behavior. 

More than likely, XXXX XXXX is engaged in a wide scale generation of fraudulent damages claims for profit, where most departing tenants have false and inflated charges added to their accounts. And more than like, " National Credit Systems '' is aiding and abetting such abusive landlords.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: EQUIFAX, INC.
State: WI

Complaint narrative:
In XXXX I was a XXXX XXXX  student and XXXX XXXX XXXX XXXX ran a branch in the lunchroom of my school. They lured me into applying for this credit card, which is still haunting me TWELVE years later. Not too long after I obtained the credit card, in mid XXXX, I hit hard times and was unable to make my payments. XXXX XXXX XXXX XXXX charged off my account and also entered a judgment against me in XX/XX/XXXX. I paid the judgment in full in XXXX with my tax refund. They do show that on my credit report as the last payment on XX/XX/XXXX. They also show the account as " paid and closed. '' Yet, in XXXX & XXXX they have the account reported as charged off. This is inaccurate as it was paid in XXXX and first became delinquent in XXXX. Per XXXX, a chargeoff should only remain on the credit report for 7 years after the first missed payment, which was in XXXX and it is now XXXX. I do not have a copy, but I sent them a certified check from my credit union, XXXX XXXX for {$460.00}. I have reached out to them many times about this account and they NEVER respond. I have also disputed this account through the credit bureau in XXXX and I thought the inaccurate and negative information was removed. But I checked my credit report today and here it is again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not 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 2020-03-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not 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 2020-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inaccurate information on credit report.

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