vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 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:
My complaint is against PayPal , Inc . The complaint is that the online Activity view of my transactions is incomplete and does not reconcile to the Statement that can be downloaded after the end of the period, in this case, the month of XX/XX/2020. 

To clarify, I was paid for a transaction that is shown in my online Activity view of transactions. The problem is that there is no record in my online Activity view that the transaction was refunded. The complete record is only available by downloading the statement. 

The details. I agreed to refund a buyer via a Resolution Center dispute. The money was removed from my my PayPal balance without any update being recorded in my online Activity view of transactions. The original transaction does not show refunded, and there is no evidence in my online Activity view of transactions that the transaction was ever refunded. 

In short, the Statement download shows the money going out of my account, but it does not reconcile it to the original transaction ; and in any case, the online Activity view does not reconcile to my Statement download.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: SC

Complaint narrative:
While traveling with my wife we lost one of bags. The bag had both mine and my wifes wallets in there. After several hours of calling around I was able to cancel all my cards and order new forms of id. About a year and a half later my wife and I both started receiving calls from debt collectors and solicitation calls so we got alarmed and wanted to find out what was going on. We ordered a copy of our credit report and were shocked to see so many accounts that we have never had nor heard of. This is 100 percent identity fraud. Also we had accounts with XXXX and had our information put at serious risk in the XXXX data breach!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We signed on for a home mortgage with Citibank in XX/XX/2019. Our mortgage contract specifically allows us to prepay our loan with no penalty. We have 2 complaints 1 ) Citibank transferred our mortgage to XXXX without informing us. XXXX is not allowing us to prepay our mortgage. Weve followed up with XXXX and Citibank multiple times. Citi responded saying XXXX is extremely delayed on email and phone responses. But they are not offering us any options. 
2 ) Citi didnt inform us on our mortgage getting transferred to XXXX. We had an auto/pay option linked to our citi account for our mortgage. XXXX removed our auto-payment option. We were on vacation overseas in XXXX and XXXX and didnt realize any of this had happened. We got a call from XXXX on our mortgage - we thought it was a scam as they asked us for personal information. Our credit score dropped 100 points as XXXX reported our mortgage in default. 

All citi and XXXX say is sorry - they cant do anything.

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 2020-06-05 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: NV

Complaint narrative:
Company fail to investigate my dispute, they just sent the information to creditors without reviewing my statements. 
I have several issues with employees on this credit bureau. 
Spoke with supervisor and they fail to do what is required by FCRA.

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 2020-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
This company have been charge me for this amount for awhile, I try to contact them many times. Also I hire a lawyers and pay lot of money, submit disputes and not responses from the bureau. I am a military spouse, mu husband XXXX XXXX so I have 100 % medical insurance, also I have medical insurance from my job a real good insurance a premium one. Why I been charge from this company something that is not belong to me. Their response was that the hospital charge me, but the truth is I use Military Hospitals to been seem by doctors and my XXXX doctors are on XXXX. Im absolutely desperate because this have been in my records and ruin my credit History and because I didn't have acknowledge about my credit History was like this now I recurring to here for help. I don't think is fair all this situation. HELP 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 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Direct Recovery Services, LLC
State: OR

Complaint narrative:
XX/XX/2010. I got a phone message from a number represented on my phone as being from XXXX Oregon the number is XXXX. XXXX is a small coastal town very close to where my Mother lives. In the message they state that I had made arrangements on a " matter '' but those arrangements were now over and I needed to call them. In reality there were NO arrangements made for anything. It was a lie. And they spoofed a number. This was deceptive and my info has been compromised in at least three data breeches and displayed on the dark web.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My Transunion credit report has 20 unauthorized credit inquires, I have attempted to contact the companies with no success, therefore I send Transunion a dispute in writing, they made no attempt to investigate the inquires and mailed me a letter stating nothing.

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 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC will not let me link my link to my XXXX app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX THIS ACCOUNT IS REPORTING A 30 DAY LATE PAYMENT. This is correct. Experian failed to validate the late payment. 

XX/XX/2019 XX/XX/2019

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 2020-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: IA

Complaint narrative:
On the XX/XX/2020, I closed on a VA Mortgage Refinance with Pentagon Federal Credit Union. As part of the closing costs for the refinance, there was a {$28.00} Water Quality Well Inspection fee that was collected to pay the testing lab, XXXX XXXX XXXX. I have received two bills from XXXX XXXX XXXX. I contacted the PENFED Loan Processor, Ms. XXXX XXXX on XX/XX/XXXX after receiving two bill invoices from XXXX XXXX XXXX and told her that the bill had not been paid from the closing costs. She informed me that she would turn it over to her closing manager and that was the last I had heard from PENFED and Ms. XXXX. When I called XXXX XXXX XXXX on XX/XX/XXXX, the bill still has not been paid. I attempted to contact Ms. XXXX, but she would not return my call or email. I sent a {$28.00} Check to XXXX XXXX XXXX to pay the bill, because I did not want it to go into collection and impact my credit rating.

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 2020-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX WE STARTED A CRUISE AT XXXX XXXX, XXXX XXXX. WE CALLED XXXX 3 TIMES FROM XXXX XXXX BEFORE BOARDING. XXXX STATED THAT IF WE DIDNT BOARD THE CRUISE ALL THE MONEY WAS GOING TO BE LOST. 

XX/XX/XXXX XXXX ANNOUNCE WE WERE NOT GOING TO ANY MORE PORTS. WE CIRCLED XXXX XXXX FOR 2 DAYS. 

XX/XX/XXXX XXXX DECIDED TO ALLOW US TO USE THEIR AIRPORT. WE HAD ONE PLANE AS AN OPTION. THE PEOPLE THAT BOUGHT THE CRUISE UNTIL XXXX XXXX WERE PROMISED THAT XXXX WILL TAKE THEM TO XXXX XXXX. 

XX/XX/XXXX, I LEFT TO XXXX AIRPORT. MY FRIENDS XXXX AND XXXX XXXX STAYED BECAUSE THEY BOUGHT THE CRUISE UNTIL XXXX XXXX. 

XX/XX/XXXX WHILE I WAS FLYING THEY CALLED ME FRANTICALLY THAT THE CAPTAIN ANNOUNCED THEY WERE NOT GOING TO XXXX XXXX AND THAT THEY WERE FORCED TO DISEMABRK AT XXXX, HAWAII. I BOUGHT THEM 2 TICKETS FROM XXXX TO XXXX.THEN FROM XXXX TO USA.IT WAS DIFIICULT BECAUSE THE SHIP HAD NO INTERNET. VERY STRESSFUL AND DIFFICULT TO COMMUNICATE WITH THEM. 

XX/XX/XXXX XXXX CRUISE ARRIVED AT XXXX BUT THE USA GOVERMENT REFUSED THE PASSENGERS TO DISEMBARK. NEWSPAPER ARTICLE ATTACHED. THEY PACKED ALL THEIR LUGGAGE BUT WERE NOT ALLOWED TO DISEMBARK. 

XX/XX/XXXX THEY WERE TOLD THAT XXXX WAS GOING TO ACCEPT THEM BUT XXXX REFUSED THEM AS WELL WITHOUT INTERNET AND ADVANCED NOTICE HOW CAN YOU PREDICT THAT THEY WERE NEVER GOING TO BE ABLE TO FLY FROM XXXX? THEYRE XXXX YEARS ( XX/XX/XXXX ) OLD AND XXXX YEARS ( XXXX XXXX ) OLD RESPECTIVELY. AFTER ALL THE ORDEAL THEY FLEW BACK TO XXXX AS AN EMERGENCY DUE TO HEALTH REASONS. THE DOCTOR FOUND XXXX IN HIS XXXX. HE CANT TRAVEL ANYTIME SOON. THEY NEED THE {$74.00} EACH ONE PAID IN MY CAPITAL ONE CREDIT CARD ENDING XXXX. ITS OUTRAGEOUS I HAVE BEEN TELLING THE STORY FOR 2 MONTHS. XXXX AND XXXX WHICH USE VISA AS WELL SETTLE ALL MY TRAVEL DISPUTES. CAPITAL ONE ITS THE ONLY COMPANY GIVING ME SO MUCH AGGRAVATION. CAPITAL ONE WANT PROOF OF CANCELLATION FROM AN IMPOSSIBLE SITUATION. 

SINCERELY, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
We applied for a modification with the mortgage company ( Caliber Home Loans ). We submitted complete package in XX/XX/XXXX. The modification cane back with a 5 year lower interest rate, at the end if that term the payment tripled. We called in, and a single point of contact person told us to appeal the decision. We write in again asking for a long term fix. They denied that appeal. They did told us to reapply for another modification, because the first one is off the table. We submitted documents again, the modification payment tripled. We appealed that, and were denied in appeal again. We were told to resubmit, as we did. We submitted on XX/XX/XXXX. We were placed in a forbearance agreement., after waiting thirty days for an answer to the modification. We never agreed to that, or asked for that. Then to cancel that, we had to be recorded saying we refused it, and all rearage would be brought current immediately. Once again not what we asked for. Six months later, we have resubmitted Paper work again for a modification. Each single point if contact has different answers, and no way to get information we need. We are told there is not anyone else to talk to ... a nightmare ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: TX

Complaint narrative:
I applied for a mortgage with Better.com XX/XX/2020. Better.com pulled my credit report and sent me a verified letter of approval. The next day, I received two more credit monitoring alerts, showing Better was pulling my credit again. I called because this was alarming, the loan officer, XXXX XXXX XXXX # XXXX told me not to be alarmed and there was a mistake. The next day XX/XX/2020, I saw received three more alerts of credit pulls from Better.com, On XX/XX/XXXX, There was another credit pull, I called better to see what the issues what, the loan officer stated, they could not obtain my credit report and had to request multiple times. I asked why I was not contacted if there was an issue and Better could not state the reason for not contacting me. Within one week, I had my credit pulled six times with Better.com, the loan officer stated not to worry since i was looking for a mortgage, all the inquiries would only show as one not multiple. Here we are 5 months later and each inquiry from Better.com shows as an individual credit inquiry. 

In XXXX, I requested Better contact the credit bureaus to let them know of the issues so the multiple inquiries could be removed, they refused to do so, although their system had an error. 

My complaint is again Better in pulling my credit multiple times and never contacting me of the issues they were having with their system. 

I escalated the issue to XXXX XXXX | Client Success Manager with Better and the issue was never resolved, I asked for a letter from the company to provide the credit bureau for removal and other creditors and never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I ask for validation documentation from United Revenue Services. A bill is not validation. Id like to see original documentation with my signature. I am allowed under the HIPPA Act to protect my privacy and medical records from third parties .I asked for the following for account # XXXX,XXXX,XXXX. To provide breakdown of fees including any collection cost and medical charges. Provide a copy of my signature with the provider of service to release my medical information to them. I asked for medical consent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I opened a credit card with HSBC Bank a long time ago. As such, I kept receiving promotional emails from them from time to time. One of the emails stated there was a bonus of {$470.00} for their HSBC Premier checking account. I was intrigued since I had been looking at banking with a global bank for a while. The offer stated I had to deposit a minimum of {$5000.00} for 3 consecutive months, and the bonus would be deposited after. I started the application process which took them 3 weeks, believe it or not, in this day an age. As soon as my account was opened, I went to my job 's HR and made the necessary changes to have around $ 6-7,000 per month deposited directly to my account. This started in late XXXX. So the bank has seen my deposits in late XXXX, XXXX, XXXX, XXXX, XXXX, and we're in XXXX. The bank keeps giving me runaround and nobody knows anything. Customer service number is an overseas call center, and they state they don't handle promotions. Direct messaging within the app states the same. So basically this bank engages in bait and switch tactics. At least I'm glad I realized this early how terrible they are. However, what they are doing is ilegal and must be stopped. I want the Consumer Financial Protection Bureau to publish this so others can be warned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase United Airlines Credit Card. My payment due date is the XXXX of each month. I made a payment of {$500.00} prior to XX/XX/2020. On XX/XX/2020 I made another payment of {$500.00}. The XX/XX/XXXX payment, despite being after the XX/XX/XXXX due date was back-posted to my XX/XX/XXXX bill. This payment clearly should have been posted to my XX/XX/2020 bill. On XX/XX/2020, I received a late charge of {$27.00} from Chase who said they did not receive my payment for XXXX. They in fact received my payment for XXXX on XX/XX/XXXX as noted above. This is clearly a scam to cheat consumers out of late fees. I spoke to XXXX, a Chase Supervisor in XXXX XXXX, Texas on XX/XX/2020 and XXXX just provided a completely illogical reason why my XX/XX/XXXX payment was applied to my XX/XX/XXXX bill rather than my XX/XX/XXXX bill. Chase is cheating its customers and I do hope you take action on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am an American Express " XXXX '' XXXX member. I pay {$5000.00} a year just as a fee for this card and I have been an American Express " member '' since XX/XX/XXXX. I am writing to complain about : 1. The rapidly deteriorating service around this card 2.  The fact that I can not put two billing error questions into dispute. 

I called American Express a month ago to put into dispute 2 charges from XXXX. The first, a charge of {$71.00}, dated XX/XX/XXXX, I did not recognize. The second a partial dispute for {$81.00}, out of a total of {$750.00}, appeared on my account on XX/XX/XXXX and was for an article I did not receive. When I received my statement this month, neither of these disputes appeared or were recognized, in spite of the previous month 's conversation. When I called Amex my " pod '' had all gone home, as had " disputes '' so I was transferred to an " overflow '' person who could not help me and told me to call back at a time more convenient for American Express. What service am I paying for you might ask? Am I XXXX to pay these outrageous feed for this outrageously bad level of service?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX XXXX I contacted experian in reference to the information that was on my report and explained to them that the information on my report was incorrect and it took my scoore down from XXXX to XXXX. I am very commited to keeping my credit in order. The other bureaus have takenthe erroneous information off. Now this has put me in a dfficult situation with getting approved for the loan and also the apartment and jobs that i applied for. i wrote letters and sent in documentation of speaking to the company that has reported the information they denied me of having and account with them. i have worked very hard to restore my credit and it had been a very difficult time with the COVID19 episode. I am XXXX and I still try to do what i can to stay clear of negative information and i pay my bills on time and in a timely fashion. I feel very violated and my character is at stake. The company has not responded to the bureaus with the correct info and now it is XXXX. Please help me solve this problem immediately. I am stagnant at this point.

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