vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: CA

Complaint narrative:
iscover Financial Service XXXX has issued me a credit card 1 month ago. However, they refuse to allow me to use mobile payment. They have announced that the function of mobile payment is available with this credit card when I was applying for it. But they just declined to get me verified when I want to add it to my mobile wallet. Especially during this pandemic breakout, we should make full use of contactless payment methods to avoid any unnecessary contact as much as possible, which is also required by the government. However, I have been calling the verification team of Discover credit card for more than 1 month but they keep saying their system does not allow them to send me the text message of verification code, by which they can prove that I am me? The phone number I am using is the phone number I applied for their credit card with. I also have this phone number registered on their website. They keep letting me refer to the credit bureau or the cellphone service company. And I have confirmed with both of the two that my phone number is correct and under my name. But Discover keeps answering me the same things saying that my phone number is not under my name. And they decline to connect me to a Consumer Complaint Department or the IT Department to help me with this issue. That means, they approved my application but refused my using the card without any convincing reason. The supervisors, XXXX XXXX and XXXX XXXX XXXX XXXX have always let me call back and said there might be a solution in the future. But they said they do not know when I asked when it is going to be. This is a type of discrimination and I have called them for more than 100 times, which is really a big waste of time. I feel so frustrated and discriminated since everyone around me has no trouble in that process. This is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I made the mistake of helping a gentleman that I was doing business with out of the kindness in my heart. I had a business account and personal account with Bank of America. There was a guy working for me and my father named XXXX XXXX. We chose to overlook his XXXX XXXX and give him an opportunity to remodel my fathers home. XXXX had a check one Friday for XXXX dollars. I allowed him to sign the check over to my business. The check took around 5 or 6 days to clear. Somewhere along the line either XXXX contacted BOA and told them the check is stolen, or BOA contacted XXXX to verify. My account was closed by BOA. BOA treated me very poorly. XXXX stole XXXX cash from our home a week or two later. We have lost big time.

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 2020-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: ID

Complaint narrative:
XXXX. I was mislead by a scammer on the internet posing as someone who wanted to help a college student financially by sending me money. They first " got to know me '' and then said I would get an allowance of XXXX $ a week, just for companionship and talking with them. He then had me do an " errand ''. He sent me a check for {$2500.00} and asked me to deposit {$2200.00} of it into Cash App. Somewhat suspicious, I called my bank and ask if the check cleared. They said yes ( little did I know a check can take weeks to clear ). After I deposited the money into CashApp and sent it to the username on CashApp of " XXXX XXXX '' ( who also had another account " XXXX XXXX ''. I was extremely suspicious. I looked on the check that was sent and called the bank which is was from. I asked them if the listed account number had funds available and they said no. That is when I knew it was a fake check. So basically they gave me a fake check, had me transfer the fake money into a third party cash website, and I am left to pay the {$2200.00} back to the bank. I have contacted CashApp Support an insane amount of times, asking that they please refund my transactions, because they were a scam. Notoriously, they did not respond. Many forum pages talk about how bad Cash App is about scams and dealing with them, and they feel no responsibility toward victims of internet crime. I should have got my money back under the " Merchant didn't hold his end of the bargain rule '' by default, by providing no service, no product, except stealing my money. I emailed CashApp multiple times regarding this issue just to get an automated " sorry, nothing we can do '' message. Taking the loss for the scam is going to seriously damage me financially. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX, I noticed a {$5.00} bill payment to My credit card. I did not make this payment. I call to get it reversed. I called 3 times and was forwarded to customer service, the fraud department, and the paymemt processing Department. On the last call I spoke with the manager who was very unprofessional and rude and he put me on hold and never returned. So I emailed the CEO XXXX, and ececutives : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX None of their officers responded. This is why I'm filing a complaint. It appears that Someone or some entity is sending small payments to my account perhaps in the hopes of sending larger payments to maybe launder money. The 2nd time I called the rep said there seemed to be a similar payment around {$15.00}. I am requesting that they find all of these unauthorized payments and to reverse them or back them out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax because I was not showing up at their credit agency. They had another person 's name tied to my social security number. That has now been resolved and my XXXX loan is showing up. My XXXX XXXX credit card is not and I don't have a credit score. XXXX loan shows the loan for 7 months but they still don't show a score. I have called Equifax through the month of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Paid XXXX on XX/XX/2020 and XXXX on XX/XX/2020 to Merchants ' Credit Guide Co. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX : ( XXXX ) XXXX I still receive calls and it is still noted on my credit report. Im not sure how to take it off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: MI

Complaint narrative:
Received a debit XXXX  card in the mail from Chime. Did not request a card and tried to call with number on the card and paperwork with card. Only got automated system no way to reach a real person.Called XXXX bank  as they were the issuing bank and they transferred me to Chime. The customer service person spoke English poorly and I was asked for personal info that I refused to give. Explained the situation and they said they would email me with an update when account was dealt with after escalating the issue. Didnt receive an email so I called back later yesterday and was told the account had been closed. Still havent received any email from them. They insist that someone asked for the card and that it is just a debit card not a credit card. They wouldnt give me any idea on how they got my information. Found via internet search that I was not the only person with this exact problem. I believe they are sending these cards out fishing for personal info. They asked for last 4 digits of SS # and a copy of photo ID. Said they couldnt close the account without this info. I pushed back and told them it was illegal to send cards without me requesting one and they didnt require this info after I refused. Not sure if account was actually closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
XXXX XXXX in XXXX XXXX, Florida, were hired by my Realtor XXXX XXXX XXXX XXXX  Fl. to inspect the premises located at XXXX XXXX XXXX, XXXX, Florida. XXXX. Approximately {$450.00} was paid to really check the property over for major flaws. The inspector told me that everything on his hot items list were repaired as requested. This proved to be untrue. I specifically asked him did he do the work and he said yes. Unfortunately for me ; possibly XXXX and the owner may have have fabricated on the disclosures. I emailed XXXX Management  and complained very cleanly. They ( XXXX ) turned the narrative around and made me the culprit and they are not seeking to settle. As of date I have spent a little over {$6000.00} in labor and materials. I also had to call XXXX XXXX XXXX for lab Tests such as swabbing, air sampling, and advisement from XXXX XXXX on how to purify the mold damage. I find it difficult to believe that the owner XXXX XXXX located in XXXX, Ohio, address is XXXX XXXX XXXX. I find it really hard to believe he was not aware of the mold because he sure had the fresh paint inside and out. He left hazardous materials such as paints in the garage, I thought nothing of it. I have two contractors that say different. What was most disturbing is that I was selling my home to purchase this home above and I disclosed honestly and even paid extra money to buyers just for minor repairs. I am waiting on another contractor to to dispel anything they claim as repaired. How they just put some type of debris and never fixed the adobe roofing. Sincere Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I put it into writing to both cfpb and bank of america that I wanted the account closed in XX/XX/2020. Since then I have been billed {$48.00} in fees {$24.00} of which have been removed. This XXXX XXXX  incompetent at the bank says all kinds of things and never performs any. Now I get a letter saying they have " forced closed '' the account and there is still a {$24.00} balance. If these idiots didn't know the account was to be closed how come the previous {$24.00} was removed? I wouldn't trust these bunglers with lunch money and you government people let them get away with it.

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 2020-09-15 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: GA

Complaint narrative:
I was re-billed by American Express for a charge for ticket concerts that was postponed due to COVID19. I never received the tickets for the transaction and I redisputed the charge with American Express since I never received what I paid for. They mentioned on a recorded line that the charge would be removed from my account ( the same as last time ) and it would reflect a {$0.00}. They mentioned it would take 48 hours. I asked were they sure because I am in the process of buying a house and as a first time minority homebuyer, I don't want this to impact my ability to secure a home with a rate that is favorable to me based on the fact that I have paid off all of my credit card debt and its reported to the credit bureaus that way. After 48 hours, it still showed up and I called in again on a recorded line. The rep mentioned this time that because it was re-disputed, it would show up but because the dispute was pending, it would report to the bureau that I still owe {$0.00}. I woke up and saw that they reported that I owe almost {$400.00} which was reported to the credit bureau. I can't pay it now because I'm not able to spend anything until closing, but my rate will higher because of this when I've explained my concerns and was flat out lied to by given misinformation on a recorded line twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: CBC Companies, Inc.
State: TX

Complaint narrative:
factual data has all me information incorrect b/c of the FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: TX

Complaint narrative:
XXXX XXXX has all me information incorrect b/c of the FTC violations

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 2020-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I enrolled in Bank of America 's Pay Plan XX/XX/XXXX. They debit 26 biweekly payments from my primary bank account and apply those payments on the first of each month to my balance.

This month, even though they are holding {$1700.00} in debited funds, they have not applied it toward XXXX 's payment. 

I have contacted them on 3 separate occasions. The first, on Wednesday, XX/XX/XXXX, the customer service representative said she was able to apply the funds and it would be reflected on my account within 48 hours. However, the payment is still outstanding and the funds have not been applied. 

I called back yesterday and waited on hold for almost an hour. They were unable to apply my payment. As of this morning, there has been no progress on making my payment. 

I tried making a manual payment on their website, but they wanted to charge me a fee due to late payment, even though I'm a month ahead on my mortgage payments.

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 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Financial Service recently approved me for a Discover account. Upon approval immediately my account was sent to Charge Verification Department requirements are three months of Bank Statements. I have since sent Discover one of my bank statements ( I hold multiple accounts ) I have faxed them four times and uploaded them once. Each time I call and check to see if they have received the documents they advise me that once they do an email will be sent. It has been over a week and not one person is willing to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On or around XX/XX/2020 I received my paid in full letter after paying off accounts. Victoria Secrets and XXXX XXXX  XXXX. However, upon notifying creditor XXXX, they did not update the amount paid for Victoria Secrets nor did they report XXXX balance. Leaving my credit to ratio debt at 165 % usage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion Failed to Provide the Documents of Verification Used To Determine the Accuracy and Completeness of the Investigation As Required for Compliance with FCRA 611 ( 6 ) ( B ) ( iii )

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 2020-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been having an ongoing dispute with a debt buyer collector Portfolio Recovery Associates who for the past five months has refused to provide me validation of debt from the original paperwork I have asked for. Since I know the debt is not mine I have been asking for this proof. 
To my dismay they sent me a letter from their collections dept with a copy paste letter which is not original and not on company letterhead. I called XXXX XXXX  to ask them if they ever sent out notifications on paper not containing their letterhead and they said they did not do that. Here this debt buyer which is reporting on a debt which is not mine is providing me what they say is original proof of the debt but it is nothing more than an in house generated statement. I am including this in the complain for the record. 

I am asking this agency intercede on my behalf to provide the transparency I has requested from them multiple times and which they seem to regard as 'optional ''. I need assistance as a consumer, and I need this company to provide the facts or remove the debt. This is not mine nor is it official as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: AFNI INC.
State: IL

Complaint narrative:
I was checking my credit report in XX/XX/2020 due to an alert from XXXX  about an updated account on my credit report. When I logged in to identify the account, I noticed 3 collections on my 3 credit reports that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
Received an unexpected collection update on my credit bureau reports of a DUPLICATE collection of {$170.00} from Medicredit. I have no knowledge of this debt at all. Please research & remove ASAP.

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 2020-09-15 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: I.C. System, Inc.
State: IL

Complaint narrative:
I was checking my credit report in XX/XX/2020 due to an alert from XXXX  about an updated account on my credit report. When I logged in to identify the account, I noticed 3 collections on my 3 credit reports that I did not authorize.

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 2020-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On or around XX/XX/2020 I received my paid in full letter after paying off accounts. XXXX XXXX  and XXXX XXXX  XXXX. However, upon notifying creditor XXXX, they did not update the amount paid for XXXX XXXX  nor did they report XXXX balance. Leaving my credit to ratio debt at 165 % usage.

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 2020-09-15 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: NJ

Complaint narrative:
On or around XX/XX/2020 I received my paid in full letter after paying off accounts. XXXX XXXX  and XXXX XXXX  XXXX. However, upon notifying creditor Experian, they did not update the amount paid for XXXX XXXX  nor did they report XXXX balance. Leaving my credit to ratio debt at 165 % usage.

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