vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I called today XX/XX/XXXX to follow up that my loan count be updated based on XXXX. Previously, I uploaded the required for that was signed by my HR at XXXX on XX/XX/XXXX and staff said that would be processed. Today another representative at MOHELA said that form will be denied because it was signed in XX/XX/XXXX and uploaded in XX/XX/XXXX. When I asked to speak with a Supervisor, I was placed on Hold for 15 minutes and I had to hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc.
State: NC

Complaint narrative:
The company is reporting late to my credit report however their app to make payments have been down/ not working for months. It does not allow you to change your banking information. The customer service phone number do not allow you to talk to a live representative and their email support never respond. There are numerous of other people going through the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/XXXX, I responded to a comment posted by XXXX XXXXy on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) via direct message about XXXX ticket resales. The intention was to purchase 3 tickets as a gift for my brother. 

I did my due diligence and want to emphasize that this was somewhat of a sophisticated scam. I requested that the seller ( XXXX XXXX ) send some type of screenshot confirming that she actually had the tickets, and it wasnt till afterwards that I sent her a XXXX payment ( XXXX ) in the amount of {$120.00}. She did indeed send over a confirmation screenshot from XXXX. 

After confirming payment over XXXX, the seller requested that I pay an additional {$45.00} ( {$15.00} per ticket ), because there was an additional fee to transfer XXXX codes. By then I knew that I was being defraudedafter having already sent the fundsbecause XXXX ( the ticketing platform ) does not charge for ticket transfers; having used the XXXX in the past myself. 

I responded to the sellers request and asked for my money back. She feigned an apology and immediately blocked me on XXXX afterwards. Ive called Bank of America XXXX : once on XX/XX/XXXX, and spoke to XXXX, and once on XX/XX/XXXX, and spoke to XXXX. XXXX explicitly said, Youll get your money back, and initiated a stop payment. She explained that if the stop payment didnt work, I should wait for the XXXX transfer to post, and then call Bank of America back. 

I called Bank of America again on XX/XX/XXXX, and was connected with XXXX. Her guidance contradicted XXXX  : she instructed me to wait for the payment to post then call Bank of America again and ask to speak to the XXXX department.

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 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC.
State: MI

Complaint narrative:
Re : Watermark Capital LLC Earlier this year I was notified by Watermark that mortgage payments should be sent to a different Watermark company called Watermark Capital Inc. starting XX/XX/XXXX. Previously, I made payments to Watermark Capital LLC. I made this change prior to XXXX and the new account number was applied to the autopay information at my bank. In error, my bank still sent payments to the old Watermark Capital LLC address, but the bank did have the new correct new account number. 

All payments were successfully received by Watermark in spite of having been sent to the old Watermark address. 

My bank confirmed XXXX, XXXX, XXXX and XXXX payments were sent to the old Watermark address. These records of payment from my bank were sent to Watermark on XX/XX/XXXX via email. I was not notified by Watermark that payments were received by the old Watermark. Watermark had to have known this happened yet they say my XXXX and XXXX payments were late yet somehow my XXXX and XXXX payments were not late! 

It is important to note, Watermark 's change from Watermark Capital LLC to Watermark Capital Inc. transition was screwed up - Starting in XXXX Watermark left phone messages saying they had no record of my mortgage insurance, but I actually did have insurance and somehow they " lost '' my information in the transition. After hours on the phone with Watermark and my homeowners insurance company, finally Watermark realized the mistake they had made. This shows internal issues at Watermark during their " transition ''. During this period, Watermark left more phone messages saying there was now an issue with my mortgage payments. I talked to Watermark about this issue several times in XXXX and XXXX trying to resolve the issue. They were supposedly working with me to sort out where my mortgage payments were going. I sent them my bank statements proving they had received my payments. In XXXX, they recognized that in fact they did receive my payments that had been sent to the old Watermark with the new account number. They were totally incompetent and did not realize they had my mortgage payments sent to their company. On XXXX XXXX, XXXX I received 4 individual letters from watermark, all letters were dated XX/XX/XXXX! Each letter said my payment was overdue ; why weren't these letters sent a month age like they were dated. I manually paid the Watermark a second time for the months they claim I was late on XX/XX/XXXX yet the still sent me the 4 letters on XX/XX/XXXX. These examples reinforces my contention that Watermark is totally incompetent.

I have spent approximately 10 hours on the phone ( including being on hold ) with watermark over approximately 8 calls plus 2 hours with my bank. I can not resolve my issues without help from you, I have tried very hard to work with watermark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-01-04 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account # XXXX Case ID XXXX Post Date XXXX  Communication dates XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit card was presented to a restaurant for the sole purpose of having a credit card on hand, as they commonly request when parties of present. The issue here is that my credit card was left behind and an excessive amount of charges were present on my credit card without my knowledge, and approval. I never received the receipt or even signed the receipt, therefore when contacting the establishment in person, they neglected to provide me with the receipt and failed to follow through with providing me with any documentation. 
In turn, I contacted Barclays about this situation, after serval months of going back and forth from disputes to fraud department, they failed to assist me in obtaining the documentation from the merchant. The irony here, after several attempts I finally received documentation from Barclays stating I was not held responsible and they favored with me, removing the charge from my account a few days later I see the reversed the charge back to my credit card. 

When contacting them for 6th time, they stated that they had closed this case and favored with the merchant and I had asked how they could do this without having any supporting information. They claimed a receipt was not needed, as the card holder is responsible because I presented the card to the merchant. 

This makes absolutely no sense to me and without a signed receipt, this seems to me as being a fraudulent charge. 

The issue now stands that my account is in default for non payment, reported to all credit agencies as default payment and now tarnishing my credit rating. 

I would like this matter addressed getting the supporting documentation that I initially requested along with penalties applied to Barclays for negligence of supporting their card holders. Based on the findings posted on reviews I have found that Barclays has neglected to represent and provide support to the card holders in turn this should be addressed.

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 2023-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I opened a HELOC in XX/XX/XXXX. When I got the HELOC, I was told that in order to reduce my rate and get an autopay discount, I needed to enroll in autopay through a PNC checking account. When I opened the PNC checking account, I was told that there would be no fees charged for maintaining the account as long as money was being automatically deposited into the account and i was using that account for autopay for the HELOC, so I opened the checking account, started depositing {$500.00} per month into the account ( automatically from another non PNC checking account ) and when I drew on the HELOC, I setup autopay from the PNC checking account, to ensure I would get the discount on my HELOC rate. 

I noticed a {$25.00} " Monthly Service Charge '' withdrawn from my pnc checking account on XX/XX/XXXX. I reached out to PNC via their chat function on XX/XX/XXXX to ask why I was being charged this fee. I was told that the requirements for the account were changed in XXXX and that if I didn't want to be charged a monthly service charge I would have to meet certain criteria for use of the account or I could change to a different type of checking account and meet the " lesser '' criteria of that account type. However, I don't meet the criteria of either checking account type and so, I was told that I will regardless be charged a monthly service charge. 

This is completely unfair and deceptive. Part of the reason I got the HELOC with PNC was because I would get the autopay discount and was told that in order to get that discount I must setup autopay through a pnc checking account, but that I wouldn't have to pay any fees. I was never told that this could change and I would ultimately need to actually pay ( through the checking account monthly service charge ), in order to get the autopay discount. 

XXXX the chat on XX/XX/XXXX, pnc did provide a " courtesy refund '' of {$25.00}, but made clear that this is a one time courtesy and would not change anything about the maintenance fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Started all the loans with sallie XXXX/navient. Recently received an email stating if you ever could not pay the private loans/ defer or only pay interest they could help or possibly drop the debt. I contacted them as I had deferred as well as paying interest only for over 4 years. XXXX XXXX reps told me they were unaware of it and couldnt help as I have proof of it from the website. I initially owed over XXXX now down to around XXXX, currently struggling due to numerous XXXX of severe XXXX and XXXX and out of work on leave without income. It was a lie on their site and am very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Over year ago having PayPal account I noticed I could make donation campaign offered by PayPal and do I did. Some people donated. 
Later on a donation or donations were pulled back using PayPal system by donors. This were XXXX dollar donations. 
PayPal is the owner of site and it's security. After sometime PayPal suspended my account for unknown ( never explained in writing ) reason. PayPal requested full set of verification and I obliged providing Sale personal information. 
Today I noticed, my account is blocked. I have around XXXX dollars that PayPal is refusing to send to me or use it. This is now over a year. I used PayPal in the past and it was horrific experience. I used it again and met the same fraudulent behavior as before. This is malicious intent company and I'm asking you for help. 
Since there is NO communication from PayPal and they STOLE my funds I'm asking for criminal investigation. 
At one point PayPal accused me of fraud. Meanwhile it is PayPal who is responsible for processing donations for my paralyzed family member. I'm appalled that US government is allowing this company to do business on American soil. 
I'm XXXX old XXXX who used PayPal site to run campaign provided and maintained by PayPal to be only treated this way. 
As i mentioned, my experience with PayPal is just mental oppression. 
Cc : DOJ

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Google Compare Credit Cards Inc.
State: PA

Complaint narrative:
I brought 2 Google cards and neither one is working.. Needs further information from me but it's a gift card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I made a check deposit for USD {$75000.00} on my checking account at PNC Bank on XX/XX/2022 as I can see since I am the same issuer of the check from another financial institution XXXX XXXX XXXX the funds were clear the same day XX/XX/2022 and as of today PNC Bank is saying that they need to verify the funds with XXXX XXXXXXXX XXXX, It is incredible that I have to call PNC to request them the status of my funds while they play with my money and they provide excuses. 

To further add they over draft the account and they are charging me fees and the amount that is being retained USD {$74000.00} they are unable to advise where the USD {$330.00} funds are plus ... the funds that I had in my account. 

It is incredible that a Bank of this size abuses with clients, if they can not allow clients to deposit funds of this amount they should be getting in contact with their clients and not their clients with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation