vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ATTENTION TO XXXX XXXX XXXX! PLEASE READ AND UNDERSTAND THIS MESSAGE AND ITS ENTIRETY. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2020-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
During the purchase of my daughters vehicle XX/XX/XXXX we purchased an extended warranty for {$1500.00}. We believed that the warranty would protect her for an additional XXXX miles over the manufacturer warranty of XXXX or until 84 months which ever occurred first. Upon reviewing the documents in more detail we realized there must be an error on the paperwork as the vehicle would only be covered to XXXX miles giving us only XXXX additional miles over the original manufacturer warranty. We never used the warranty not even once. The vehicle is now according to the paperwork out of warranty. We feel that there had to be an error as it would have been an extraordinary large sum of money to pay {$1500.00} to only gain XXXX miles of coverage. As a point of reference I purchased an extended warranty on my XXXX XXXX  on a separate policy when I was at close to XXXX miles and gained XXXX miles of coverage on that plan. It does not make sense that we would not have gained coverage on the XXXX XXXX to XXXX miles or 84 months. I called the dealership and spoke with XXXX in finance, He stated there was nothing he could do at this point as the vehicle warranty is expired. He apologized for any past misrepresentations and stated that they are more transparent with their clients now. I feel like we were definitely taken advantage of if this was in fact intentional and not a mistake. We signed so many documents during the sale and the officer doing the paperwork was  very convincing. We trusted him. We are very disappointed at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
We purchased flights on XXXX in XXXX for travel in XXXX using my Barclay credit card. In XXXX, the flight was cancelled by the airline. We are only being offered a voucher for travel and not a full refund as is the law when an airline cancels a flight. We have attempted to dispute this with the airline and they continue to refuse a refund, even after complaints were made with the Department of Transportation. Since XXXX, we have attempted to dispute the charge with Barclaycard as well, but our claim continues to be denied.

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 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I Put In A {$2000.00} Into My Account And After I Deposited The Check Chase Closed My Account Because They Say They Couldnt Verify The Check Which Was Bull XXXX The Check Was Verified And I Still Havent Received My Funds From The Account Or Received A Check From Chase I Have Bills To Pay And Kids To Care For If I Knew They Were Full Of It I Wouldve Never Put The Check Into My Account I Just Want My Money Thats It I Dont See Why They Holding My Funds Its XX/XX/2020 I Put The Check Into The Account On XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/2020 : Refinanced my mortgage and funded on XX/XX/2020. Bank of America was paid off. 

As of XX/XX/2020 : 29 days after loan funding, Bank of America has not issued the escrow refund check per Reg X 1024.34 : Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, XXXX, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

Have been on hold for over 1 hour and sent messages to Bank of America requesting assistance. Still on hold of no response. 

Bank of America removed online access to statements and documents from my old mortgage on XX/XX/2020 so I can not self service or view my former loan like their XXXX encourages me to do.

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 2020-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I was using PayPal for my online store to receive funds. I clicked instant transfer to transfer money from PayPal to my bank and Paypal put my money on hold for XXXX hours. After XXXX hours they place another hold on the same money, and sent me a message saying I cant receive my funds until I upload a picture of my Id. I uploaded my drivers license and they sent another message saying my account is permanently limited for 180 days and I am unable to transfer my money to my bank account they will not allow me to until XXXX days is up. I am very fair with my customers and have a very flexible return policy. I have children and bills to pay I need access to my money. PayPal is impossible to reach over the phone, and only communicate through generic automated messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: TX

Complaint narrative:
My most recent dispute with Experian resulted in a public record being verified. During previous disputes I have asked for supporting documents and proof to validate their decision. I stated that the public recorded that is reporting on my credit report is not mine. The previous investigation did not meet FCRA. I was not given the documents that I request to prove this was a proper and thorough investigation. I am demanding all original documents from the original furnisher such as documents containing my signature, contracts, and or signed agreements. Also Im demanding documents used to determine your decision in this investigation such as address, phone numbers, dates, times, and name of person that your company communicated with to verify such inaccurate information. I would like this information within 15 days. 
XXXX XXXX XXXX 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 2020-10-13 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: Synovus Bank
State: TN

Complaint narrative:
Someone had an account with XXXX XXXX so when I found out I called them to let them know and to close the account. Now every once in a while I recieve another random inquiry from capital bank so I had to dispute and lock my credit report. However, even though I told them this wasnt my account when I called to have it closed. They are still reporting a balance on a CLOSED AND INCORRECT ACCOUNT It had been over 120 days and I have been constantly sending letters with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I have made a transaction of {$8000.00} on XX/XX/XXXX using Citibank online banking with option 'Add funds ' where I have put my XXXX by XXXX XXXX bank XXXX account credential to withdraw amount from this saving account. The amount {$8000.00} has been debited from XXXX XXXX account on XX/XX/XXXX but the amount is not credited back to my Citibank checking account. 
I got an email from Citibank on XX/XX/XXXX that the transaction has been failed and the money will be credited back to my saving account within XXXX business days. Its been more than XXXX weeks now but I haven't received the money back to my XXXX XXXX account. I have called XXXX XXXX and Citibank customer cares for more than XXXX calls ( every XXXX days XXXX and every time I get response that this will be resolved within XXXX hours which is not done yet. 
XXXX XXXX bank representative says that since you authorized this transaction so the fund was released so need to check with Citibank. When I call Citibank, they say the fund was not released by XXXX XXXX so need to check with them only. 
In order to resolve this I conferenced them together ( XXXX bank representative and Citibank representative XXXX on call on XX/XX/XXXX and that time XXXX from Citibank said that the problem is with Citibank and we will resolve it from Citibank side but this is not resolved yet even after passing 1 month since that call. 
Since this is very big amount and I am not sure where is my money so I am currently depressed and not sure when will I get my money back. 

Request you to please ask them to return my money of {$8000.00} back. Thanks. 

XXXX, XXXX # XXXX 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 2020-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
Loan Number XXXX and XXXX XXXX # XXXX. I had a mortgage with Loancare and refinanced in XX/XX/2020 with a different company. Loancare issued a check for a refund of the amount in the escrow account in the amount of {$250.00}. I have reason to believe this amount is incorrect and I should have received {$350.00}. The itemization on the check I received was completely unclear and unhelpful. I contacted Loancare to ask for an escrow account payment history to verify the refund they issued. They have been non-responsive to this request.

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 2020-10-13 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX PAVILION PT XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX TOWN XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX MISSION XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX C 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 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 2020-10-13 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX CXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXK Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX PAVILION PT XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX TOWN XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX BRIAR XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: TX

Complaint narrative:
It is wrong for companies to receive authorization and permissible purpose to access a consumer 's credit report but then hire another company to acquire the report. The XXXX XXXX XXXX 's ( CRA ) are allowing this by not requiring all of their clients to have permissible purpose and authorization in their respective name. The risk of a person 's private information then increases because companies are violating the FCRA. I was surprised when I saw Factual Data on my report and called. They are a lax company owned by a very large company.. 
I was hit by thieves that had too much of my information.

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 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been trying and working with Pentagon Credit Union for the past few months, and I even contacted them through the lawyer who closed my mortgage with PenFed when I refinanced it. They say the made a mistake but never reply or contact and have placed an incorrect credit report on my account causing my credit score to go down. It has been very painful and they dont seem to care

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 2020-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I was never contacted about owing anything to XXXX. I call the collection agency phone number : ( XXXX ) XXXX that is listed on the credit report and it said that is no longer in service and to call XXXX XXXX XXXX. The call to that number ( XXXX XXXX XXXX ) automatically drops and it doesn't work. 

I contacted XXXX  ( XXXX  ) and they said that this is from a XXXX account that during that time I had XXXX  out. They had given me monthly discount due to all the issues that I was having and they tried to recharge me for them. Back in XXXX I requested to speak to their supervisor and I asked her to go back and listen to the recorded phone calls. She agree and informed me that she would contact me back with a response. She called me and told me that I was correct and they went back and took the amount that they had charged me off and she told me on the recorded line that my balance was {$0.00} and wouldn't owe anything and I'm good to go. 

I requested the XXXX agent that I spoke with today to go back and listen to those calls and she said that she couldn't as they don't keep information for that long. They had charged me back a year later ( in XXXX ) and never reached out to me for it. I have 4 other services with XXXX and they have never even brought this up with me ( all under the same phone number as before ). This charge is false and I request them to go back to listen to the past phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have 3 closed charge off accounts that are passed the Florida statute of limits for revolving accounts. I have disputed them with the 3 credit agencies in XX/XX/XXXX. These accounts started being reported again on my credit report in XXXX of XXXX. The accounts were all charged off in XX/XX/XXXX. I went through a divorce and lost my home. I have written the collectors and ask for these accounts to be removed and they are still reporting as of XX/XX/XXXX. I have been negatively impacted by Covid-19 and have had to self quarantine 2 times besides the national emergency shut down. I have lost pay. The 4th company is reporting the account as open when it was charged off on XX/XX/XXXX. They wrote me back still trying to collect and stating they would not report or sue me. But they have reported as of XXXX. the companies are : Bank of America XXXX. XXXX   XXXX XXXX TX, XXXX CO XX/XX/XXXX. 
XXXX XXXX XXXX. XXXX  XXXX XXXX OH, XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX NY, XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX SC 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 2020-10-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i clicked through from a " credit match '' prompt on Experian for a chase card " pre-qualification '' that said it " will not afect your credit '' and on the following screen entered some basic information and then subsequently  discovered this created a HARD inquiry in addition to the soft inquiry - I am not sure what happened or how, but had XXXX intention of applying officially or understanding that it was occurring. They refused to understand or take responsibility for the misleading verbiage and blamed it on the site I was transferred from ( which happened to be experian ) - A consumer has a right to EXPLICITY know and understand they are APPLYING for something as opposed to checking to see if they MIghT qualify for a card and if it is worth it to actually APPLY officially

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