vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 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: MD

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/21, I attempted to move two small ( < {$200.00} ) amounts from my CitiBank checking account to my brokerage account. These were processed on this day, but returned on XX/XX/21. CitiBank did not contact me about the transaction being returned. I only saw it later on my brokerage account transaction history. I was also charged {$25.00} for each of the ACH transactions being returned. I contacted my brokerage account and they told me that the fees were actually from CitiBank. 

On XX/XX/21, I contacted CitiBank 's customer support phone line to find out what was going on. After a few hours waiting on hold, I was told that there was a temporary hold on my account and that the " back office '' was completing a review on my account that would be completed in 24-48 hours and that they would call me back when the review was completed. 

After not having received any communication from CitiBank, I called them back on XX/XX/21. I was told again that the review would be completed in 24-48 hours ; I told them that was exactly what I heard a week ago, but they said they couldn't tell me anything further. By this time, I started having bills due that I could not pay because I could not access my funds. No one at CitiBank customer support would tell my why my account was under review or why I couldn't access my funds. Several attempts at trying to reach an agent ( after being transferred from someone else ) resulted in the calls being dropped while I waited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: UT

Complaint narrative:
Experian recently sent me an email stating that they could not process my dispute and I needed to provide some additional proof of my identification? I have been disputing accounts with Experian for MONTHS and just now receive correspondence of them saying they haven't even done any work? I have seriously erroneous items on my credit that must be fixed! I was under the impression work was being done despite me not being notified because I am aware that covid is causing some delay but I have disputing items since XXXX! I seriously need things removed to move forward with my home buying process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: AL

Complaint narrative:
After sending Validation to debt letters to collections, Ive yet to receive info back with the 30 day period. Which by law states that my disputed collections are removed from credit report. Also atttached below is a police report and fraud identification report. I also have letters from identitytheft.gov asking for all items to be removed. Attached also will be my forms of identity and proof of residence.I will be mailing these exact letters to 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 2021-03-02 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: Chime Financial Inc
State: MD

Complaint narrative:
So I made attempted to make a purchase in a store called XXXXXXXX XXXX  and swiped my car multiple times and every time it came up declined. I then seen the transition was pending on my card. I then contacted merchant who again assured me that transactions should not had went through. About a week later it went through. I then contact chime and filled a dispute they provided a provisional credit in about three weeks later took it back which me my account overdrawn {$920.00}. I called chime spoke to a supervisor, They closed my case. Come to find Out they never reached out to the merchant, they never contacted the merchant but was able to come up with a decision. I asked the supervisor how did they come up with this decision and he had no idea. Chime was very unprofessional and had no sense of the rules. I asked him how they were able to come up with a decision if they never spoken to the merchant and he had no answer for me. The supervisor kept advising me to send in another email to the disputes department to see if they want to re-open my case. 
My problem is it took me two seconds to contact the merchant and speak to them why couldnt chime had done the same thing. I dont have my money in the merchant doesnt have my money so chime obviously does. They refuse to give me my money and left my account in the red.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have a Charge-Off with XXXX XXXX XXXX XXXX XXXX, a late payment with XXXX XXXX XXXX  and a collection that I have been disputing with the bureaus since XX/XX/XXXX. For this timeframe, they have not removed the accounts or done anything to help me. During my last dispute that I submitted to the bureaus on XX/XX/XXXX, the bureaus did not even acknowledge those disputes at all! Here it is XX/XX/XXXX and I am STILL waiting for responses from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
My complaint with LVNV, a creditor, is that I never recieved and bills, statements or invoices from the original creditor which is XXXX XXXX XXXX. Apparently LVNV has bought the debt in question. 

I recieved a leeter in the mail from XXXX, XXXX, XXXX XXXX  XXXX, XXXX  which represents LVNV. They are demanding payment of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with this credit reporting bureau about the unverified account XXXX XXXX Account number XXXX. In those 2months I have asked numerous times for a response or to be and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified accounts as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase bank closed my account and refuses to return the {$1700.00} I had in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I presented an item for deposit with Bank of America in the amount of {$3100.00} from XXXX XXXX. When I asked the teller when would the deposit be available, she stated " funds will be available tomorrow '' ( XX/XX/XXXX ). I made mention that I used to be a teller and I thought that was weird for the check to be available tomorrow ( XX/XX/XXXX ). I stated it must be because I have the funds in my account. 

I received an email stating my funds would be on hold until XX/XX/XXXX. When I called the branch, the rep ( XXXX ) said her Assistant Manager was a teller for the day and her Manager was at another location for the rest of the week. XXXX also stated that the manager would just tell me to call customer service. 

I spoke to a Customer Service manager who stated the teller should have told me BOA does not give credit on items any longer before they clear another bank because of fraud since the end of last year. I told her I could have gone to XXXX and cashed the check and deposited cash. Now I'm incurring interest fees because the teller lied. 
I was told I should call the furniture company and see what they can do since they issued the check???? 

They will not release my money or the check. They also will still hold my money if I close my account. I am out of money and they just do not care. If you do not know, you should ask.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Netspend Corporation
State: MN

Complaint narrative:
In XXXX of XXXX I purchased a NetSpend card ( XXXX # XXXX ) to pay a bill online. I put {$360.00} on the card. Due to the fact that I had just gotten married and was in the process of changing my identification with the state of MN, I had not received my official driver 's license yet, they could not allow me to use my card online. For a " Financial Institution '' they can't use a state issued temporary card as proof of identification? That is untrue because my own bank uses it as identification. I ask Net Spend on XX/XX/XXXX to close the card and send me a check in the mail to refund my money. 
On XX/XX/XXXX I called NetSpend complaining that I had not received my check. They told me that check # XXXX was issued in the amount of {$360.00} to me on XX/XX/XXXX and was mailed to my address. I verified the address with them as well as the name they sent the check to. That information was correct so there was no reason I had not received my check yet. I asked on that day that they cancel the original check and reissue a new one. I was assured that a new check was being sent out that day. 
Today, XX/XX/XXXX, I called again complaining that I have not received my check yet. They said that a check issued in XXXX and I was to wait for that one. I told them that was unacceptable. He offered to reissue a new check, again. I said that was unacceptable because I was told last time that a check was issued and never got it. When I asked to speak with a supervisor he offered to put in a complaint for me. The person I was talking to didn't speak good English so I could hardly understand what he was doing. I asked to speak with a supervisor without being disconnected because that has happened plenty of times before. I asked them to reactivate the original card so that I could at least have access to the money. The supervisor, XXXX, informed me that their back office would have to investigate what happened to the check. I have to call back on Friday to see what their answer is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
During this Global COVID-19 Pandemic Regulations states that there should be NO LATE PAYMENTS reporting during Foreberarnce Program. I have multiple Late payments showing on my report that should me removed immediately due to COVID-19. This is Clearly a Violation!!! Delete these late payments from my credit report immediately! If not deleted I will be reaching out to the CFPB and Seeking litigation because once again this is a violation. Remove late payments now please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
I did not attend XXXX University, they did not return or refund of one or more Direct Loan Program or FFEL Program loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 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: EQUIFAX, INC.
State: VI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY ID, AND A UTILITY BILL FOR FURTHER VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I got into an accident. I received my title and then found out months later that it had not been paid in full.due to Covid I had to wait for payment, yet they were not receptive and I had to be patient with Santander due to Covid. They were rude and not helpful, yet my credit has been negatively impacted due to late payments despite payments from the insurance company and the gap insurance company. I have now paid off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX Mortgage Loan Officer Assistant Vice President NMLS ID : XXXX Office : XXXX Mobile : XXXX Email Me Main Office XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX completely dropped the ball on the refinancing of XXXX XXXX property in XXXX XXXX XXXX, XXXX After 4 months the refi is not completed because he never completed or submitted the paperwork. Never returned phone calls or e-mails. Complaint was filed with Truist by XXXX XXXX. The bank is now starting to complete the refi. 4 months later. The bank is slowly trying to fix the work that was done by XXXX XXXX. XXXX XXXX has not suffer any consequences for avoiding doing the paperwork for XXXX XXXX for 4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: MO

Complaint narrative:
I have a Charge-Off with XXXX XXXX XXXX XXXX XXXX, a late payment with XXXX XXXXXXXX XXXX and a collection that I have been disputing with the bureaus since XX/XX/XXXX. For this timeframe, they have not removed the accounts or done anything to help me. During my last dispute that I submitted to the bureaus on XX/XX/XXXX, the bureaus did not even acknowledge those disputes at all! Here it is XX/XX/XXXX and I am STILL waiting for responses from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: MO

Complaint narrative:
I have a Charge-Off with XXXX XXXX XXXX XXXX XXXX, a late payment with XXXX XXXX XXXX and a collection that I have been disputing with the bureaus since XX/XX/XXXX. For this timeframe, they have not removed the accounts or done anything to help me. During my last dispute that I submitted to the bureaus on XX/XX/XXXX, the bureaus did not even acknowledge those disputes at all! Here it is XX/XX/XXXX and I am STILL waiting for responses from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
On XX/XX/2021 I was part of a scam that targeted me as a college student. They pretended to be a professor at my school looking for a student research assistant. They told me to text them my name. They then briefly told me about the job and then asked if I could inquire about some items I would need for the job. It was a laptop, printer, and stamper. They asked if I could make a payment for them if they sent me a check. I said yes. They sent me a check for {$1800.00} and asked if I could deposit it through mobile. I sent {$1200.00} to an email address through zelle that was supposed to be for the laptop. I sent {$1200.00} to the same email address through zelle for the printer. I was suspicious about this and emailed the professor who said it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
xoom refuses to allow me to make legal/lawful transactions due to reasons they state are for the security of my account. yet they can not disclose the reasons for restricting my account and the denial of service. they say they have an authentication issue but i have stated i have all the verification documents necessary such as id, and bank statements. they still refuse to even communicate, even to the extreme degree of blocking correspondence, blocking phone calls, and when i do happen to get someone on the phone, they place me on hold for hours then intentionally hang up on me. i wish to claim discrimination and unfair business practice. i have done nothing to deserve this kind of treatment and have these restrictions placed. for whatever reason they refuse to inform me of, i believe i have grounds for a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: OH

Complaint narrative:
Can't get money, or use the card. I have verified several times. It is not right. Fix this please. Need the card activated. Have XXXX XXXXXXXX dollars and can't get the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On the XXXX of XX/XX/2021 I authorized the payment of XXXX usd to be taken out of my Capital One Checking Account to pay my Capital One credit card .On this same day of the authorized payment I made several transactions including atm withdrawals never once was any transaction declined approximately a week later I was informed by the bank that my credit card payment was not processed due to money not available it seems quite strange I made several transactions on the authorized payment date all approved not one transactions went into overdraft or declined I requested reversal of late fees due to there error and none processing of payment which caused the late fee I contacted Capital One and they refused to assist me in rectifying this error

Company response to consumer: Closed with explanation