vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/21 an online transaction was made at XXXX for {$290.00}. On XX/XX/21 another online transaction was made at XXXX for {$290.00}. On XX/XX/21 a third online transaction was made at XXXX for {$290.00}. On XX/XX/21 a fourth online transaction was made at Nordstroms for {$320.00}. The first three transactions hit my account on XX/XX/21. The fourth hit my account on XX/XX/21. 
On XX/XX/21, I received a text alert notifying me of the transactions and I immediately contacted Bank of America to dispute the charges. ( XXXX ) The credit card was canceled and a new card was issued. Initially, the charges were reversed and I was told the claim would be investigated. 
On XX/XX/21, I returned from a trip and went online to check my balance. I noticed that on XX/XX/21, the fraudulent charges had been put back on the card. I immediately contacted Bank of America and was told they would reopen the investigation. 
On XX/XX/21, I received a letter dated XX/XX/21 telling me that they could not approve my fraud claim. The reason provided : " The merchant provided documentation confirming you received the merchandise or service. '' At XXXX on XX/XX/21, I called the number provided on the letter ( XXXX ) and had a XXXX XXXX conversation with a representative. He provided the following information : ( 1 ) The purchases were all watches. ( 2 ) They were sent to a XXXX XXXX in XXXX, NY. ( 3 ) The items were received on XX/XX/21. ( 4 ) The email address given for the online purchases was a hotmail address that I won't include in the complaint and is CLOSE to my husbands, but not XXXX he has used. 
( 5 ) The fraud claim # is XXXX XXXX On XX/XX/21, I received a letter dated XX/XX/21 advising me that " we completed a re-evaluation of your credit card dispute for {$1200.00} - unfortunately, our decision to decline your fraud claim for this transaction ( s ) hasn't changed. '' " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' My husband and I are the ONLY authorized users of the card. We did NOT give anyone permission to use the card. We have NOT purchased anything at XXXX online or in person, for many years. We do NOT know anyone named XXXX XXXX. We do NOT know anyone living in XXXX, NY, and have never even visited the town. 
It seems clear to me that Bank of America is unwilling to do a proper investigation of the claim and I see no point in contacting them again.

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 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I sent XXXX XXXX from PayPal XXXX XX/XX/ at XXXX XXXX to XXXX XXXX XXXX via debit card transfer that only takes 24 hours to post and it never was deposited into my account. PayPal still has the money and never completed the transaction although they told me they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: GA

Complaint narrative:
I am a secondary borrower for this mortgage loan. I co-signed with my sister. My sister filed XXXX XXXX Bankruptcy in 2016. This mortgage is under her bankruptcy. The mortgage will not stop reporting this account as delinquent on my credit report. I would like for them to stop reporting erroneous information. They are also utilizing bullying tactics

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 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Experian, is utilizing XXXX to misreport credit data. My credit score has recently dropped 9 points from XX/XX/2021 to XX/XX/2021. There has been no credit changes, no new inquiries, no changes in employment, earnings or other potential scenarios. Nothing in my credit profile has changed - yet my credit score continues to drop. Why.

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 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I applied for my first mortgage in XXXX and received a " pre-approval '' in XXXX and XX/XX/XXXX. Now my closing was scheduled for Wed XX/XX/XXXX at XXXX. My loan officer, XXXX XXXX, has coached me on items to resolve in order to receive an approval. I complied. I provided all financials and received approval letters. Once I found a home and my offer was accepted, the contract was sent to Wells Fargo and the process began. 

Throughout this process, I stayed proactive in communicating with Wells by asking what was needed, and status check. Not until the week before closing I received a request for rental receipts from my current residence. I provided that information immediately. Two weeks to closing date I have asked what else is required and may i please have closing instructions. 

Monday morning I sent an email to loan officer and processor requesting closing instructions, no response. Then I received a call Monday XX/XX/XXXX at XXXX stating my loan was not approve without explanation. I sent an email Monday night with questions of clarity of denial and options, no response. 

The morning Tuesday XX/XX/XXXX, I sent another email requesting answers, no response. The closing attorney called my real estate agent stating they were notified by Wells Fargo that my loan was canceled. I have not received any email notification of loan cancelation. I receive a secure email for XXXX XXXX, stating I was denied due to me not filing my XXXX taxes, that was nothing new. Attached it his email was a letter he stated that was generated Monday evening. In order for the denial letter to generate they had to run my credit AGAIN. Wells Fargo never completed their verification process by calling my CPA, who has repeated confirmed that Wells Fargo has not contacted them. Nothing about my financial situation changed since I began this process. 

I have already invested close to {$15000.00} to purchase this home. No one has provided me with a valid reason for the denial. As a single mother of 2 children, I am now homeless because Wells Fargo dropped the ball and I have to turn in my keys to the rental I currently live in and the seller is a elderly widow who is in the process of moving her belongs. There are families being uprooted and alot of lively-hoods being interrupted because of 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
Consumer complaint received 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
I was authorized a rental car through XXXX XXXX through my insurance company USAA in XX/XX/2021. My XXXX XXXX XXXX was XXXX. 

On XX/XX/2021, I spoke with a gentleman named XXXX at the XXXX, NJ, XXXX location who told me I was on XXXX XXXX " Do not rent '' list, and I was denied the reservation I had just made to use reserve a rental car. This caused great personal inconvenience and XXXX. XXXX gave me a phone number to call to speak with " XXXX XXXX. '' As of the date of this complaint, I have contacted XXXX XXXX no less than a dozen times at XXXX XXXX XXXX XXXX, and yet there remains no resolution to this issue and I remain on XXXXXXXX XXXX XXXX Do not rent '' list with resulting personal stress, anguish, and embarrassment. I have left multiple messages again and again and again, and to this date, no one at customer service has bothered to call me back. 

On XX/XX/2021, a representative actually did answer the Customer Service line, she identified herself as XXXX. XXXX listened to me explain the issue, although she could not provide a reason for why I would be on the " Do not rent '' list as she confirmed my insurance company had paid the cost of the rental in full. She promised that she would forward my information to the " Do not rent '' team and someone would get back to me ASAP. 

No one got back to me ASAP, or ever again. I have followed up by phone three times since then, and have received zero response. 

Yesterday, I contacted my insurance company USAA to assist with the problem, but they were either unwilling or unable to help. They did confirm, however, as XXXX did as well, that my rental was paid in full and there should be no reason for me to have any issues at this point. 

Again, this has caused a significant amount of XXXX and inconvenience in my life, to say nothing of the time and frustration at trying to resolve this problem ( which shouldn't exist in the first place! ) with zero response, help, or assistance from two reputable companies like XXXX and USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: NC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aurora Financial, LLC
State: VA

Complaint narrative:
I recently refinanced my loan and the new loan closed on XX/XX/2021. In my closing documents, it is clearly identified that the lender ( Aurora Financial LLC ) is going to sell my new loan to a servicer ( XXXX XXXX XXXX. In addition, my closing document also provided me with my first mortgage payment coupon and wanted me to send the first payment ( due XX/XX/2021 ) to the lender ( Aurora Financial LLC ).

I reached out to Aurora Financial on XX/XX/XXXX via email to clarify where to make the first payment and was told again that I should make the first payment to Aurora. On XX/XX/XXXX I reached out to Aurora again to see if I can submit my first mortgage payment to Aurora through the online payment system that I used before. I was told XXXX XX/XX/XXXX ) again that I should use the payment coupon for the 1st mortgage payment that came with the closing package therefore, I can not submit the first mortgage payment online. 
On XX/XX/XXXX I received another email from Aurora Financial indicating that I should not submit the first payment to Aurora as I was initially told rather, I should wait to receive new payment and servicing information that I should be receiving via email from Post Closing. Since then, I tried to reach out to Aurora Financial multiple times for information on the first payment and servicer but I have not received any first payment or servicer information from them and the XX/XX/XXXX payment is due 6 days from today. Lastly, I have an upcoming state tax payment on XX/XX/2021 and Aurora Financial already collected this amount as part of my closing.

Overall, I am not pleased with Aurora Financials business and communications and I hope your agency will follow up on this matter as soon as possible to correct the problem. As a consumer, I should not have to babysit a lender in order to ensure that they are fulfilling their legal and fiduciary obligations. I provided them with everything they asked for and, they asked for a lot of personal information as part of my closing, but they are not doing their part as the law requires.

I hope to hear from you soon Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MS

Complaint narrative:
Last week, I transferred XXXX XXXX  from my private account to my Coinbase account. All went well. I then transferred XXXX XXXX ( {$6000.00} ) from same private account to my XXXX account and it never came through. I checked and rechecked the addresses. The receipt shows that it was indeed received and processed by the Coinbase servers. I contacted customer service and received an automated response stating the issue would be resolved in 3-5 business days. 
I have reached out to Coinbase customer service over a dozen times with no success. 
Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
The payoff check for my loan was received by Kia Motors Finance on XX/XX/21, and processed on XX/XX/21. The amount was never applied to my account, and no one at Kia seems to know where the payment went. The check had my name, VIN, and account number on it so it was easily identifiable. I have also provided them with the check number, but that did not seem to help either. They seem to have just taken the money, and expect me to make payments on a vehicle that I no longer own. The vehicle was sold to XXXX, XXXX and they were the ones who made the payoff. I am stuck in the middle with the threat of my credit being ruined, and no one seems to really care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
We had to go through a Chapter XXXX bankruptcy in 2020. Since then, all 3 credit reporting agencies have reported my Student Loan ( serviced through XXXX ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current.

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency ( XXXX  only once ) and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted XXXX several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with XXXX that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.

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 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
We had to go through a Chapter XXXX bankruptcy in 2020. Since then, all 3 credit reporting agencies have reported my Student Loan ( serviced through XXXX ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current. 

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency ( XXXX  only once ) and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted XXXX several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with XXXX that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
We had to go through a XXXX XXXX bankruptcy in XXXX. Since then, all 3 credit reporting agencies have reported my XXXX XXXX XXXX serviced through XXXX ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current. 

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency XXXX Experian only once XXXX and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted XXXX several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with XXXX that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.

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 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was incarcerated for 8months when the account was opened. Idk who opened it but I know I did not open it or authorize it to be opened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I was unfortunately the victim of scam from a holder of an Account at M & T Bank. The M & T Bank account was attached to my XXXX account as an external account. I had money transferred from that external account to my XXXX account on XXXX. On XX/XX/XXXX XXXX told me that the funds were in my account but still pending. On XX/XX/XXXX I received and email that the funds were debited from the external account and available in my account. I called the bank to confirm and was told yes they were. Now I have a letter dated XX/XX/XXXX that the account is closed and that they didn't get the funds from MT bank and so I am overdrawn. I have the account information for MT bank where the scam is taking place. This is also being reported to the Federal Trade Commission and the Banking Authority in Texas ( where I live ) as well as Florida ( where the scam people are located ). 

The files I am uploading are on the XXXX side ( the only account that I can control and have access to ) but show that the funds were taken from MT Bank

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