vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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: VA

Complaint narrative:
My PayPal account has more than {$4500.00} that PayPal is refusing to allow me to withdraw for 6 months. I have no outstanding refunds or other issues. Last week, PayPal requested more information on routine transactions that I immediately provided to the company. Today, it informed me my account would be closed with no further information and said it would not allow me to access my money for a period of 180 days. There is no legitimate reason for PayPal to hold my money. If they want to close my account, fine, but they need to give me money. There are no outstanding orders, refunds or any other type of transaction that necessitates PayPal holding onto my money in order to ensure there is money to cover any returns or refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: I.C. System, Inc.
State: IL

Complaint narrative:
There is a collection account showing up on my credit report ( s ) that I believe to be invalid. This issue was addressed with this company over a year ago. I previously disputed this bill, which was originally with  XXXX. I requested billing statements to document where all the charges were coming from as all of the bills they sent me made reference to other alleged accounts, and I was never able to see where the original amount was coming from. Now, over a year later, this collection account is showing up on my credit again. I thought the issue was resolved when they couldn't produce all the original bills. I never received anything recently to give them cause to put this on my credit report again. This account needs to be removed immediately from all 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 2020-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 we closed a refinance mortgage with cash out of {$87000.00}. We requested the wire proceeds be sent to our checking account with Wells Fargo Bank. We have still not received the wire and the wire has not been returned to the closing agent as rejected. Two things happened that did slow the wire process down. First the wire was flagged for XXXX but has since been cleared per the wiring bank. Second when completing the wire paperwork we left out a digit in our account number. Speaking to Wells Fargo the account number given is not a valid account number so it would not receive a wire. XXXX XXXX who disbursed the funds has called, visited Wells Fargo with all the paperwork with no valid response. Generations Escrow bank XXXX XXXX XXXX  an XXXX XXXX has tried to call Wells Fargo, sending service communication to correct the account number or request the wire returned. They have had no response and were told they could not communicate via phone with them. Our lender has called daily and gone into Wells Fargo with no assistance provided. At this point we are going on 3 weeks paying interest of {$64.00} per day without our funds. We are desperate to receive the wire returned or deposited into our account and are in need of your help.

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 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
XX/XX/2020 XX/XX/2020 I tried to call Barclays Credit Card department but their phone system is busy and unable to reach a representative quickly. Waiting time was long over 1 hour then I decided to send a message to them at my credit card account online. My major request was addressed to replace a new credit card after fraud charges by XXXX XXXX incidents. I contacted XXXX XXXX and they resolved this issue and credited all back to my credit card account. Barclays ignored my messages XX/XX/2020 and XX/XX/2020 and refused to process my request for a replacement new credit card with new digits. They failed to protect me as a consumer and card holder. 

Since 2 months past and there is a lack of attention and a full ignorance by Barclays Credit Card Department with my request for a new credit card after fraud incidents with XXXX XXXX. 

I attached 2 files as evidence about Barclays ' negligence and bad customer service.

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 2020-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had every synchrony credit card closed without any type of notification. Every card I have which is 11 has 100 % on time payment history and the cards were not even maxed out. Very low balances as some were promotional balances. My credit score rating is good across the board. I received a letter stating high risk. Doesn't make sense considering I just received my new Sam 's credit card in the mail last week and THEN they decided to cancel every card. Very disappointing considering I am a high volume user. Never missed a payment and 100 % on time payment history. After researching I'm seeing this across the board.

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 2020-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is the 2nd complaint to CFPB regarding TransUnion & this SAME PROBLEM. Original complaint reference # XXXX. Note they correctly resolved the problem but now they deleted one of the accounts again. 

They are not reporting ALL my revolving accounts & it's payment history. 

ISSUE : They are not reporting my XXXX XXXX XXXX ( XXXX # XXXX XXXX XXXX XXXX ). 

Just weeks ago they CORRECTLY re-instated my correct active revolving accounts and they even provided this confirmation to CFPB on my original complaint. And now they've deleted the Mastercard. 

Stop deleting my correct active & open accounts. Your not doing your job right because XXXX XXXX is providing you the correct data and the failure is on TransUnion 's. 

Attached are : 1. Screenshot # 1 - of my TransUnion reporting through XXXX showing ( correct ) active accounts a couple months ago. 
2. Screenshot # 2 - Confirmation of the resolution for my prior CFPB complaint when they added ( correctly ) 2 accounts back on my profile -- one of which they just AGAIN deleted, Mastercard.

3. Screenshot # 3 & # 4 - of my XXXX - showing that my Mastercard was DELETED by TransUnion

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 2020-06-01 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: CA

Complaint narrative:
I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I was confused because none of my accounts have ever been in bad standing. I looked through my credit report and i saw six accounts that I never opened. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX  and XXXX/XXXX   XXXX. I do not have any written/verbal contract with any of these companies nor did I ever allow them to run or access my credit. I did not benefit anything form 4these accounts being opened in my name such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In XX/XX/2017, I opened a Saks Fifth Avenue store card that was serviced by Capital One ( SaksFirst Store Card ). Not long after opening the SaksFirst store card, I was diagnosed with XXXX on XX/XX/2017. 

Due to the length and nature of my treatment, I did not use the Saks card for the first few years after opening it. 

After my father passed away on XX/XX/XXXX this year, I planned to use the Saks card for a dress shirt for his funeral. Due to the COVID-19 restrictions in my state, we were not able to schedule a wake and burial until XX/XX/XXXX. 

I tried to purchase a dress shirt on XX/XX/XXXX, but I was informed that my account was closed by Capital One due to inactivity. 

I am not so much concerned about losing the access to the credit line. My main concern is my XXXXredit score. I was notified today by my credit monitoring service that the closed account caused a substantial drop in my credit score. 

I understand full well that closing inactive accounts happens every day and is extremely common. Seeing that the account was closed less than 3 weeks ago, I was hoping that there would be some possibility that it could be reopened. 

I have been through so much these last few months, and I feel like I keep getting knocked down. 

Either way, I appreciate the consideration. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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:
Experian is requiring that anyone calling who does not have a paid account wait on hold for more than half an hour. They are also refusing to accept their own report numbers as valid for accessing the report. They are directing those who want to upload a document relevant to the report to a non-working website. In addition, they do not seem to be considering any information I submit regarding the dispute - only that provided by the furnisher. This seems to me, collectively, to be a willful violation of the FCRB.

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 2020-06-01 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A chase visa through Amazon was opened under my name, not by me. I mistakenly paid the first charge for a nominal amount of money. Thereafter 2 charges totaling over {$300.00} showed up on the bill. I called Chase, and they put me on with Amazon who tole me that the charges were fraudulent. Chase asked me to sign a statement which I did. I did not hear again for over a year, after which time, Chase told me that since I paid one bill, that shows that the charges were mine, and I owe them. I asked them on numerous occasions to tell me what was ordered and where it was delivered. They told me that it was too old, and they could not provide me with that information. 

I then got a letter from Chase indicating that I owed nothing and my statement would reflect that. 

Since that time, I have received another bill, with late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 my wife and I applied for a HELOC loan with Fifth Third Bank at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Loan Number : XXXX. We met with XXXX XXXX filled out the application and were told they would contact us about the information they would need. 

The following week I received the request and got all my information together and personally handed it to XXXX, she then forwarded it to the loan officer in the home office in XXXX, OH. This is were things started to go wrong, they needed one more document from my insurance agent which was forwarded to XXXX the same day they asked. 

Shortly after this they start requesting the same documents that they already had, W2,  XXXX XXXX, etc. On XX/XX/XXXX, again I brought all the documents that their Loan Specialist, XXXX XXXX says were missing. The following week she asks for more copies of W2 's, this would have been the third time. I questioned what was happening with my information as I was worried about where it was going and who had access to it. I was told not to worry about it. After voicing my concerns I was told they could not find out anything in a timely maner because XXXX XXXX was working from home and she has no telephone! 

I called twice wanting to know what was going on, talked to XXXX first week of XXXX and also the local branch manager and she said she would call me back, but no call, it seems everything is up to MS XXXX who I think is the only bank executive in  American that does not have a PHONE! I was told this by three employees of the bank and I just don't think this would fly with the bank management. 

Fifth Third has had all the info they requested as of XX/XX/2020. As per ECOA guidelines I am entitled to an ruling on my application within thirty days. I feel because I questioned the security of my person information they have refused to process my application for a loan. 

Respectfully XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I initiated a bank to bank transfer of {$1000.00} dollars. Both banks in XXXX and linked and verified. When I transferred from XXXX to HSBC, the transfer is instant. I initiated a transfer on the XXXX from HSBC to my chase account. While it was very surprising that the funds will be available to me XX/XX/XXXX ( 5 days! ) ... the funds are not available and the transaction is still pending while the funds were taken from my account instantly. I rely on this money to pay bills and a simple transfer 6 days already in transit while I don't have the funds is simply unacceptable. I have bills due today and funds are somewhere ... ..feel nervous and cheated. I need HSBC to be liable for my late fees and interest while they simply illegally holding my funds. ( I check deposit would be instant as well ). At this days and time ... I find is to be illegal and unacceptable length of time. I'm starting to be nervous that they will steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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:
I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I was confused because none of my accounts have ever been in bad standing. I looked through my credit report and i saw six accounts that I never opened. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX/XXXX   XXXX  and XXXX XXXX. I do not have any written/verbal contract with any of these companies nor did I ever allow them to run or access my credit. I did not benefit anything form 4these accounts being opened in my name such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: CA

Complaint narrative:
I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I was confused because none of my accounts have ever been in bad standing. I looked through my credit report and i saw six accounts that I never opened. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX  and XXXX XXXX. I do not have any written/verbal contract with any of these companies nor did I ever allow them to run or access my credit. I did not benefit anything form 4these accounts being opened in my name such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: New Hampshire Northeast Credit Services, Inc.
State: MA

Complaint narrative:
hospital terrible does't help me and put my score down and put my name in collection, i went in hospital because i was XXXX  and i had XXXX  XXXX, the hospital no accepted my XXXX because of Michigan, said i don't have job i i can send the letter of bridges organization about XXXX  XXXX, the hospital put my name in collection and i called and can pay just XXXX the collection very rude, i explained about corona virus my situation she told to me i have another debts and she will put another in collection the name of company NH / NE CREDIT SERVI

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 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 2020-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
since XXXX of the last year I got a credit line with Acima Credit which obligatiob number is XXXX, the payments i made are the followed, first payment XXXX XXXX, second payment XXXX XXXX, third payment XXXX XXXX, fourth payment XXXX XXXX, fifth payment XXXX XXXX, sixth payment XXXX XXXX, seventh payment XXXX XXXX and last payment to pay off the entire debt XXXX USD, everything was registered in their system. 
now on XX/XX/2020 they started to charge on my checking account amounts again for the debt that I consider was payed off since XXXX.I got the bank statement that shows the payments and they have the voice calls that I did with them showing my intentions to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
On XX/XX/2020 my wife and I submitted a joint application for credit from Chrysler Capital through a link on website provided by Capitol Chrysler in XXXX XXXX MO. We received a letter of preapproval that we took to another dealer, XXXX XXXX XXXX XXXX XXXX in XXXX, KS because we got a better deal on the vehicle we wanted. All went smoothly we left that day with our vehicle and have been making payments ever since. On XX/XX/XXXX we were sent a letter from Chrysler Capital notifying us of an adverse credit determination. How can that be? We were approved and took possession on XXXX XXXX and have made timely payment since then. Why would they submit incorrect, erroneous information to our credit file? That should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
I logged in to check my credit today and saw a collection account on my credit for Diversified Adjustment, who is apparently attempting to collect an account on behalf of XXXX. When I started XXXX service a couple summers ago, I was offered a no-commitment trial period. Within the first two ( 2 ) weeks of starting service, my phone factory reset itself causing me to lose EVERYTHING, including some pictures of my 2 year-old son who had passed. I immediately returned to the store to return all the phones. The man at the store refused to take the phones back unless I agreed to pay a fee on the spot. I told him this was not explained to me at the time I purchased the phones and demanded to see a copy of the contract listing this fee. He was unable to produce it. I told him me returning the phones was non-negotiable as I no longer wanted anything to do with XXXX. He continued to be belligerent, so I left the merchandise on the counter and left the store. My teenage daughter was with me and witnessed the entire event. As to Diversified Adjustment, I never received anything from them at all or I would have disputed this account with them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation