vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal is practicing fraudulent activities by holding the seller funds that were cleared by XXXX since XX/XX/2020 thru Buyers and Sellers Transactions on XXXX for the amount of {$1100.00} that they owe me. The buyers were satisfied and the money was made available to me by XXXX thru PayPal. I have been doing purchasing and selling thru PayPal for years and never had a problem when they charge my credit card on file with them. Now when I am requesting my money they owe me, they refuse to release it to me. They are now requesting that I scan and download my verified Drivers License or my Passport and my Social Security Card. I dont mind scanning and downloading my Drivers License that is verified by the State of Florida with the Gold Star on it which is the latest approved verified Drivers License, but scanning and downloading my Social Security Card is a sure way for Identity Theft especially since they have my social security # and my credit card on file which they have been charging for years with no problems, Therefore I should not have to scan and download them my Social Security Card to get my money since they have had my credit card on files for years with no problem. It seems that PayPal is creating problems for any consumer who is requesting their money so they can create a XXXX XXXX for their own use by denying their customers like me their money for as long as they can, I have tried to contact pay pal all i get is automated service with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My dad has a credit card, several months ago he called them, but couldnt hear well and authorized them to talk to me. They apparently took upon themselves to add me as an authorized user. He made a charge of around {$3800.00} and they reported that balance on MY credit bureau report, which lowered my credit score. When I called them and explained I never consented to be added to his account, they said the way they would remedy the reporting would be to delete me as an authorized user and after the next billing cycle it wouldnt be on my bureau. My dad paid the account in full the next billing, but to add insult to injury, his bureau reflects it being paid, however after two months mine still shows I owe them {$3800.00}. I have spent hours talking to their credit department, both representatives, and supervisors who refuse to amend my bureau, because they cant correct something when I dont have a Capital One account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK
State: AZ

Complaint narrative:
XXXX XXXX ( Mechanics Bank  ) uses an app for loan payments. There is no way to adjust the payment amount to pay more than the minimum amount. If you want to pay extra, you have to send multiple payments. Quite often, if I send two identical payment amounts, the second is ignored. They make it super difficult to payoff the loan early by also limiting monthly payments to {$2500.00} dollars a month. I wasnt told that extra payments dont just go to Principal. I had to figure that out myself because there is no way to mark a payment as principal only on their app. When I asked how to get my extra payments credited to principal only, I was told I had to email every time after the payment and ask for it to be credited to principal. I started doing that in XXXX. The loan was initiated in XXXX this year. Over half the time, my payment still has not been credited to principal. My next loan payment currently isnt due until XXXX of XXXX because of these errors. I emailed multiple times to get this fixed. I was finally told to call customer service which I did on XX/XX/XXXX. They told me I have to email after every payment again and refused to fix my loan payment history to credit the extra payments to principal only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
I am a victim of XXXX. Way 2 Go card company issued by the Georgia XXXX  XXXX XXXX will not refund the {$6000.00} that 2 female suspects stole from me. I provided Way to Go with the Police Report and direct statements from the XXXX XXXX, the XXXX on my case. And they still won't refund my money and won't talk to the XXXX on my case. This is pure ILLEGAL. Way 2 Go is just as guilty as the suspects who stole my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
An extra {$1000.00} was added to my account on XX/XX/XXXX. I've spoken with XXXX XXXX and I was granted a new puppy and a {$3900.00} store credit. I also was told that the balance previous dog ( who is now deceased ) would be eradicated. The balance Keeps going from {$6000.00} to {$4000.00} and then back to {$6000.00}, messing with my credit score. I received an official letter stating that my balance should be around {$4000.00}, but then I have a bikking statement of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: GA

Complaint narrative:
I have noticed that there are accounts not mine. I would like them removed. I am in no way a credit repair or mortgage company. I have sent you my personal information as well. 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 2020-10-12 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Your company is currently reporting to the XXXX credit bureaus that I applied with your organization. I did not XXXX you authorization to review my 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
Consumer complaint received 2020-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Your company is currently reporting to the 3 credit bureaus that I applied with your organization. I did not grant you authorization to review my 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
Consumer complaint received 2020-10-12 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: IL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # 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 2020-10-12 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I've contacted Chase directly as well as the credit bureau, my account is filed as closed through Chase yet is reporting open on XXXX. Also, I have proof of payments yet it's reporting that my payments were late which is completely false bc when I login to chase it shows those months as paid. 

I've called Chase and disputed it with the credit bureaus and I've been told for months that it'll be updated and it hasn't been. 

This is impacting my credit score very badly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Your company is currently reporting to 3 credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my 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
Consumer complaint received 2020-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have 3 fraudulent wire transfers on my Bank of America checking account. First, on XX/XX/XXXX for {$25000.00}, second, on XX/XX/XXXX for {$4900.00}, & third on XX/XX/XXXX for {$2000.00}. I have never done any international wire transfers from my account and this was done to a bank account in XXXX to someone I have no knowledge of. My banking details were supposedly leaked as a result of a virus on my laptop, which I have since remedied. For someone who has never done any wire transfers, for these to go through, especially these big amounts, is not normal and shouldve been flagged. Bank of America said they texted me a secure pass code which I never received. I received a call asking for my call history and the virus report which they told me Id have time to get ; they denied my claim the same day saying it was my negligence. I am a victim of fraud. I even filed a report to the XXXX  and XXXX XXXX. Bank of America also wont send me the documents or the basis behind their claim. I have already consulted an attorney, & if this isnt resolved, we will be suing. And I will take my banking business elsewhere

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 2020-10-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine

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 2020-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
I never received a letter informing me there was an account in this collection office ; therefore I was not given a fair chance to dispute this before it went on my credit. Since the account has been reported on my credit I have sent a letter requesting validation of debt with no response. I have disputed with the credit bureau. The companys response was this is valid but never sent me proof of debt or an explanation of how its valid. I then disputed with the CFPB and the company didnt respond until they were contacted a 2nd time by the CFPB. In there response they said they have never contacted me which means they never sent me a letter advising I had an account in there office which is required. I refuse to pay someone that can not provide proof of a debt after 4 outreaches. Not to mention this should not be on my credit since I never received written notice there was an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: DISCOVER BANK
State: NY

Complaint narrative:
Your company is currently reporting to 3 credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have order my new credit report from equifax and i have came across some inquires that i have not approve any one to run my credit, also i have contacted equifax about this matter and i have got no answer from them, i have mail out a FTC police report on this matter and still no answer and i have been doing my resreach because iam in the process on rebuilding my credit that when i send a FTC report in to equifax they to follow the rules and they have not here are all the inquires capital on date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX these are all the inquires i have no idea why they are on my credit report and dont forget i mail my FTC police report to u all and u all still havent remove nothing u all are breaking the law plz fix this matter ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am trying to do several things, but online chat can't help, no online message center, and calling Citi billing XXXX when I don't know my old credit card number leads to Citi automatically hanging up on me. 

I replaced my old Citi card XXXX with a new one XXXX. I need information about recent purchases on the old XXXX card. Citi does not provide that information in a pdf format and I can't access the XXXX or XXXX formats on my computer. 

I want to : - pdf file of everything on my old XXXX card, so I can see why I owe XXXX - re-dispute the XXXX charge from XXXX. This dispute was resolved in XXXX 's favor - this is WRONG. 
- Was there a recent charge of XXXX, and if so, was the entire XXXX reversed, or was XXXX of it reversed?

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 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On or about XX/XX/XXXX I filed a complaint against Amex for fraudulent hidden fees in connection with a 'Rewards Card '' issued by AMEX on behalf of XXXX . 

Without getting into the specifics of my original complaint, Amex agreed with CFPB to reverse the charges in the amount of {$13.00}. 

AMEX NEVER CORRESPONDED WITH ME TO ADVISE OF THEIR DECISION TO DO SO EVEN THOUGH, I NOW FIND THAT AMEX SENT AN ELECTRONIC FACSIMILE OF A LETTER ADDRESSED TO ME TO THE CFPB. 

I was unaware of the AMEX letter until just recently. I now have it. 

I went to use the card today, only to find that they have once again started the assess monthly fees. Fees were assessed on XX/XX/XXXX and XX/XX/XXXX beginning only days after they advised CFPB that they were reversing the charged. 

The letter says " we recommend using the balance of the card '' but fails to say that fees would be assessed even BEFORE I WAS AWARE OF THE FEE REVESAL Had American Express sent the letter to me in the mail for the price of a stamp, I would know that AMEX had taken action. 

Had American Express said in their XX/XX/XXXX letter ( which I now have from CFPB ) that fees would commence again in ONE WEEK, I would have immediately used the card It is apparent, from their lack of direct correspondence with me, that their end game was to just continue to assess fees of {$2.00} a month and once again XXXX out the balance and pocket the money. 

How dishonest can one company be?

To tell the CFPB ( not me ) that they were providing compensation, and then start, within seven ( 7 ) days of their notice, assessing fees once again. 

This is unconscionable and ought to be punished as a matter of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NY

Complaint narrative:
I initially contacted the credit bureau by mail XX/XX/20 to inform them that there were inquiries on my credit report that did not belong. I have not received any information as to why they are still reporting but I am being negatively impacted by these inquiries. I have sent another letter to the bureaus on XX/XX/20 to dispute these inquires again to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
my mother past away several months ago and her apartment was willed to me. After numerous attempts to resolve the transfer of mortgage to my name and a complaint being filed with this bureau. Bank of america had not reached out to me to state that the problem was resolved. I submitted the paperwork that XXXX XXXX told me to submit. After numerous attempts to contact Ms XXXX to see if paperwork was submitted properly I received no call back or any written corespondence. I was advised I had 60 days to submit the paperwork.After staying on hold for hours in order to reach someone at Bank of America no one was able to help me. Ms XXXX was left several voice mail that she never responded to.I am seeking to finally resolve this issue to have the mortgage transferred to my name which is legal right.

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 2020-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America allowed me during Covid to delay my payment. Then, they reported me 30 days late to 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 2020-10-12 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: All State Credit Bureau, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, Allstate Credit Bureau added a derogatory mark on my credit reports per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection as requested on XX/XX/XXXX XXXX attached ). Also there was no written form of communication, contract or signature for this accused debt at all. A copy of a bill without a signed signature does not validate the debt, anyone can make a copy and send a bill claiming it's mine. According to FCRA, Allstate Credit Bureau, had violated my rights as a consumer and I'm requesting legal action to remove this account from all three bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: FL

Complaint narrative:
XXXX XXXX XXXX allowed me during Covid to delay my payment. Then, they reported me 30 days late to 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 2020-10-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX allowed me during Covid to delay my payment. Then, they reported me 30 days late to 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