vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My bank account is blocked with XXXX debt after i receive ACH transfer, 1 month ago and until today And I havent receive answer from the bank and the bank do not reverse the funds to the sender, no body at the bank tell nothing, not official communication, nothing and I dont have the money and the sender do not have the money too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have several items on my reports that are past stats and needs to be remove. I have disputed these twice already and nothing has been done. The law is 7 years and they are way over 7 years old and need to be remove. I didnt realize it would be such a fight to have this done can you tell why that is? Now a days it just a hit of the button so why is this so hard to do? If this is not taken care of soon I will contact a lawyer and sue,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have several items on my reports that are past stats and needs to be remove. I have disputed these twice already and nothing has been done. The law is 7 years and they are way over 7 years old and need to be remove. I didnt realize it would be such a fight to have this done can you tell why that is? Now a days it just a hit of the button so why is this so hard to do? If this is not taken care of soon I will contact a lawyer and sue,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: NE

Complaint narrative:
A company verbally told me a lesser fee *much smaller than they charged ( XXXX vs XXXX ) and gave no receipt, operates under no real name and has had a lot of these complaints over the past two years. 
I made two purchases in their store ( same day and time ) and one XXXX blocked them from the overcharge, and carefully researched and allowed my dispute, the second Discover Card did not. 

One researched carefully ( XXXX ) one did not ( discover ) or I wouldn't have two different outcomes on same fraudulent activities. 

Discover told me they were provided a signed receipt, I argue this is a fraudulent receipt because I didn't sign one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/Sam Club Date : XXXX Account XXXX. XXXX XXXX : {$2100.00} XXXX XXXX. XXXX  XXXX XXXX, Florida XXXX I have send them letters and disputes and they come back as accurate, I never applied for this card and its hurting my credit score i want it off and I have tried to send the company and stil refuse to do it. If not I want this letter send to another claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Robinson, Reagan and Young PLLC
State: TN

Complaint narrative:
The collection agency is not licensed to collect debt here in the sate of Tennessee.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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:
I was looking forward to buying a new home when seeing my credit report and seeing a installment loan was made in my name that i had no knowledge of this is stopping me from moving forward with my life as a whole XXXX, XXXX, TransUnion They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and refusing to uphold the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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:
I was looking forward to buying a new home when seeing my credit report and seeing a installment loan was made in my name that i had no knowledge of this is stopping me from moving forward with my life as a whole Equifax, XXXX, XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and refusing to uphold the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Hello on several occasions I reached out to comenity bank in reference to the account that they were reporting on my credit file in reference to XXXX XXXX. On Several Occasions I asked them to Validate that the debt was mine and that I was in fact the person that they were looking for the only response that I received from Comenity Bank was that the account had been sold to XXXX XXXX XXXX when I contacted them they say that they have no account listed for me with thier company so why can't comenity bank Validate the account if they are the data furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On, XX/XX/2021, I received an email stating I have been permanently banned from Paypal. The reference number is Ref ID - XXXX. The same day, I contacted Paypal to determine the reason for being permanently limited and the customer representative stated my account was flagged due to a XXXX XXXX note from one of my transactions. I buy and resell sports cards and memorabilia, and have contacted Paypal prior to acknowledging the many transactions that arise on my account. On the same day, XX/XX/2021, I appealed the reasoning and three days later I was denied without any explanation. I have contacted Paypal multiple times and have not been given any information, rather than wait 6 months for my funds to be released. HOWEVER, Paypal is not releasing funds to accounts that are limited but taking your account balance and sending it themselves for violating their user agreement. That is a fact, there are many instances recently of Paypal taking entire account balances. I have over {$44000.00} in my PayPal account. My Paypal account was terminated on a {$50.00} payment that an individual put XXXX XXXX in the notes. I am baffled that a {$50.00} payment justifies holding {$44000.00}, that is someones livelihood. That is my life savings just being held in limbo for 180 days without any assistance from Paypal. It is a pandemic, what does Paypal do with your money for 180 days? Loan Program?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 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: OR

Complaint narrative:
I have an account on my experian credit report called XXXX XXXX XXXX XXXX account number XXXX ( as seen on my report ) -- I have disputed this and the bureau refuses to remove stating that I need to contact XXXX XXXX XXXX which I have tried. This account is not mine and according to FCRA, they need to furnish proof that shows my signature on the original purchase document for this account or have it removed from my report. I am still waiting and have disputed more than once. Moreso, none of the information on this account matches any of my personal information aside from my name and my social as far as I am aware.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX 2020, I made a call to the Bank of America Customer Service and was redirected to different departments, including the Credit Card Department. I was calling to complaint that an automatic payment of my credit card bill was not setup by a local representative, although I had paid a visit to setup automatic payment. After reviewing my complaint and putting me on the phone line for about 2 hours, the people looking into my issue assured me that they would refund me the late payment fees and other fees charged because of the Bank 's mistake. I was told in the last few minutes of the call that in the next few working days, the refund would be made into my account. 

I called in again today to ask about why no such refund was made. Since XXXX till today, the bank has been still deducting fees from my account, which is contrary to what was assured to me in XXXX. Moreover, no refund has been made, and as a result, my credit card bill has kept increasing since XXXX. 

I called for more than an hour and asked the representative to go back and check the last few minutes of conversation from XXXX. But my request was refused. I was told that no assurance of refund was made, and that no refund would be made. 

I find this a gross violation of contract and trust. I have had to follow up for lengthy ( more than a couple of hours ) conversations, and have been lied to by the bank. I would like to request you to kindly investigate this issue, and compensate me for the loss.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Radius Global Solutions LLC
State: PA

Complaint narrative:
Im reaching out to you guys for a solution. 

I submitted a dispute with XXXX about an account that appeared in my collections portions of my credit report. After almost a month of investigation, XXXX came to the conclusion that I indeed am responsible for that account in question. This is not my account. And I need this resolved as its the first collections Ive ever had on my credit report, and its effects will linger for 7 years when its not mine to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have an account on my experian credit report called Capital One Auto Finance account number XXXX ( as seen on my report ) -- I have disputed this and the bureau refuses to remove stating that I need to contact Capital One Auto which I have tried. This account is not mine and according to FCRA, they need to furnish proof that shows my signature on the original purchase document for this account or have it removed from my report. I am still waiting and have disputed more than once. Moreso, none of the information on this account matches any of my personal information aside from my name and my social as far as I am aware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 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: CA

Complaint narrative:
Numerous correspondence back and from Barclays Bank of Delaware ( my credit card company ), indicates they could have reversed the charges for : Airline tickets CANCELLED by the airline Timeline : XXXX- Barclays spoke to airline, XXXX, whom agreed " over phone '' to reimburse me per submitting my checking acct. information through a responding email. Although I was told this was not legally necessary because they could have reimbursed me through original method of payment- my Barclays credit card- I STILL COMPLIED TO SUBMIT MY CHECKING ACCOUNT INFORMATION. 

From XXXX to XXXX ; continuously advised Barclays that XXXX was not responding to my request for refund. Due to XXXX XXXX change in Personnel, every time I called for follow up, they could not locate the reimbursement request with my checking account information that " I had already submitted '' to the prior employee. I was told to resubmit again to the new employee. This was done 3 plus times ; emailed to : XXXX, XXXX, XXXX, and their legal department as well at : XXXX, ALL OF WHOM HAVE NEVER RESPONDED. 

In XXXX, I wrote to Barclays indicating the issue I was having with this company. 
I was told by Barclays to " wait '' and follow their instructions of waiting 60 days. 

Between XXXX & XXXX ( 2020 ) and my numerous attempts to collect on my refund, I contacted Barclays again in XX/XX/2020, and requested they re-open my claim. I was told they would do so but no response. I contacted Barclays again in XX/XX/2020 and finally they really did reopen my claim and later in XXXX, they sent me a denial indicating my time frame had lapsed and they could no longer collect or reverse the charges. 

Only reason I have attached a consumer complaint database info is to show Barclays does not assist in disputes -- over 1200 recent complaints regarding same issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
Cross Country Mortgage bought a required flood insurance policy when I purchased the property in XXXX. That policy was $ 3300 yearly. On XX/XX/XXXX I found a flood insurance policy through XXXX for {$540.00} annually. I sent the documents to the mortgage company via email to both their customer service address and to the loan department on the XXXX of XXXX as well. I sent them again on XX/XX/XXXX. I followed up with several phone calls and each time was told it was taken care of and would be reflected when the escrow was reevaluated. The {$3300.00} policy was canceled, the escrow was adjusted and an {$1800.00} escrow refund was issued. In XXXX, I was informed that the Progressive policy was never paid and they repurchased the {$3300.00} policy. I made numerous phone calls, was never able to speak to the same person twice and was told each time that they could see where the policy wasn't paid and they would look into it. I tried to get the Progressive policy reintroduced but now they say I need a new elevation certificate which is expensive in and of itself, and that the lines for the flood zones have been rewritten so I can no longer get that policy. The result is a $ XXXX increase in my mortgage payment and I fear that if my health declines and I can't work, that my VA disability won't be enough for the payment and I will lose my home. Every time I have spoken to the mortgage company they have stated that they see they made a mistake and would look into correcting out but nothing has been done. As a result, I have been paying for this oversight for many months and I can not afford it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I was furloughed through a XXXX XXXX XXXX back in XX/XX/XXXX fo 30days and submitted documentation for that months payment to be but on the back of the loan. The morthage company " MR COOPER '' replied a few months later that they would not do it. all of my other accounts such as XXXX had no problem with doing this for me. This past XX/XX/XXXX I sent a bank check from XXXX XXXX XXXX in the amount of XXXXthey claimed to they didn't receive it. after weeks of waiting for it to post to my account. So i had that check cancelled. They then issued a direct check via XXXX XXXX and it was signed for by someone within the company " Mr COOPER ''. The check was recieved and signed for by a XXXX XXXX on XX/XX/XXXX @ XXXX as per the XXXX XXXX tracking Number. I spoke with them today XX/XX/XXXX @ XXXX and was told that they have not received the check. 
The last time i spoke with them a month ago, they stated that they have the check and it would be taken care of along with all the previous derogatory reports back to the letter that i sent them. after talking to their escalation department, they said once again they don't or can not find the check even after i supplied them with the tracking number and bank information. In short i have researched this company and found a host of negative dealings with other customers. Furthermore i told them that this is affecting my clearance levelat mt place of employment, to which they brushed it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: MI

Complaint narrative:
There are two bankruptcies listed on my personal credit report. I wrote a certified letter to the United States Bankruptcy court asking if they reported this information directly to Experian. The written l-etter I received back from the United States Bankruptcy Court advised me in writing that the do not report any bankruptcy information to any of the credit reporting agencies, neither do they update status information for any bankruptcies. I wrote Experian on several occasions and asked that the bankruptcy information listed on my report be removed since it was not directly reported to Experian by the United States Bankruptcy Court. I also asked Experian to give me the contact name and information for who reported this information. I further questioned them to furnish me the information for who reported the information. Given the fact that the United States Bankruptcy Court did not furnish them with such information. Experian has refused to delete the information. I would like the bankruptcy information deleted from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX I sent a certified letter asking the credit bureaus to remove these inaccurate accounts from my credit report that are hurting my ability to acquire credit. Now it's been over two months later and I still havent seen any results nor any response. By now, I'm just demanding that these accounts be removed from my credit report. I tried being patient and I'm upset that it would even come to this

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