vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 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: DISCOVER BANK
State: NY

Complaint narrative:
I ordered a shirt from a small online store XXXX. It did not ship for month due it being on backorder which I was fine with. A month later I had forgotten about it however and apparently around that time it was marked as delivered by XXXX " in/at mailbox '' but I never received anything. 

While watching one of their videos about another month after I remembered I ordered the shirt and contacted them to see if they could send a replacement as I never received my order. They stated they could only see that it's marked as deliver and to contact the local post office and/or check in with neighbors to see if they have it. The post office of course just says delivered and since I live in a very urban area of course neighbors aren't possible to get in touch with or they don't really care about it. 

I then proceeded to issue a dispute with my CC and it was only until then they say " we want you to have the best possible purchasing experience, and would be willing to make a one-time exception for you. In order to do this, we ask that you please close the credit card dispute that is currently open. We greatly appreciate your support and we are awaiting your reply. Thank you. '' If they had offered a replacement right away I would have been happy to accept as I still supported them and the work they do, but after this experience even though the quality of their videos is amazing their store experience is lackluster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I scanned a check for {$5500.00} into my Ally Bank XXXX Account on XX/XX/XXXX before XXXX thinking my money would be available in my account that day because that is what is clearly stated on their website and in the app. I did not see anything in my account so I waited until Monday  to reach out to Ally Bank to ask about the status of my funds, they then told me I would not see the funds until Friday XX/XX/XXXX - 7 days after I scanned my check via the Ally Bank App. The ONLY reason I scanned that check into Ally Bank is because it clearly stated my money would be in the account same day. I needed my money in that account because I have XXXX dollars until I get paid on Friday XX/XX/XXXX and I can not currently liquidate my $ XXXX investment account I have with them. So now I have no money, I just over drafted again, and I no longer need that check in my account to cover because I get paid that same Friday XX/XX/XXXX. I only needed that check in my account to cover for this week XX/XX/XXXX - XX/XX/XXXX. I have tried to get them to release my funds numerous times but they just keep telling me there is nothing they can do about it. How is it legal for a bank to hold up MY FUNDS for that long when I absolutely need the money?

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 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: WA

Complaint narrative:
XXXX XXXX XXXX sent me a letter saying I owe about XXXX and then on the phone said I owed XXXX XXXX due to Interest charges, fees, etc. They also call me 5x a day and are very rude even though Im trying to figure out a repayment plan since I lost my job due to covid.

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 2021-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I attempted to sell a vehicle over this past weekend and come to find out that the State of Nebraska still shows that Capital One Auto Finance is still listed as the lien holder. This loan was paid off in XX/XX/XXXX. 

Starting on XX/XX/XXXX at XXXX XXXX CT, I have talked to 13 individuals with Capital One Auto Finance and I still do not have a notice of the lien being released. After speaking with XXXX, Resolution Specialist, on XX/XX/XXXX ( person number 7 ), he assured me that I would receive a fax for the XXXX XXXX XXXX  with the lien release to be submitted to the State. I received the fax in about 15 minutes, but it was for the WRONG VEHICLE. I called back finally spoke to XXXX, Resolution Specialist, ( person number 11 ) and I was assured that I would receive the fax with the correct vehicle within the first two hours of business on XX/XX/XXXX. I failed to receive a fax and after calling again, was eventually transferred to XXXX, possibly a supervisor - person number 13, told me that the case was closed as Nebraska can not accept a faxed lien release ( after I called the State directly yesterday and received a fax number to have it faxed to ). He continued to tell me that he was unable to get a hold of someone else to escalate. I asked him to call me with an update and he does not have the ability to call out. 

I have taken over three hours away from my own job to deal with this ( cancelling meetings to tend to this issue ), I am paying insurance for four vehicles now and losing interest from the purchase of a new vehicle as this trade in would have been used for the down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My loan originated on XXXX XXXX I have made all my payments above and beyond. Abruptly I been charged an additional {$900.00} and they have increased my mortgage payment to {$2700.00} from the original agreement of XXXX as I have provided for your review. Also included are copies of bank drafts made to Freedom Mortgage payments made that where above the required amount owed. 

Thank you in advance for your help. 

XXXX XXXX XXXX number XXXX

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 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IA

Complaint narrative:
My current mortgage company kept calling my wife and I about refinancing our mortgage. We both told them no and we weren't interested and the went ahead and ran our credit without our approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2021 I purchased gun safety box from XXXX XXXX in the amount of {$99.00}. 
I found it online, made a PayPal payment and was promised to get email confirmation/shipping details after the payment goes through. I waited for few days and did not receive a confirmation. I did reach out to PayPal to dispute the transaction. However, PayPal did not accept my dispute saying the sale was a Gift card not a Safety box. I did explain fraudulent advertising and transaction details, yet PayPal did not accept my dispute, and closed the case declining PayPal advertised purchase protection. 
As of today i paid {$99.00} for the item i never received ; and can not get my money back because PayPal does not want to review the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I got a pin number for a debit card by mail for an account I did not have with a bank I do not use.

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 2021-04-13 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: NY

Complaint narrative:
I Want to ask you to remove delinquency in XXXX 's account. 
Creditor has agree to remove the delinquency and a copy of their letter is attach. 

Thank you.

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 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On the evening of XX/XX/2021, purchase of XXXX  Coins to add to my existing Bitcoins portfolio including cash. 

When I checked my portfolio balance in the morning of XX/XX/XXXX my account / Portfolio balance was {$0.00} had a zero balance. 

No Coins. No money left in my account. No transaction history to show where the money went. 

I have proof of previous balance and purchase ( s ). 

Where did my assets go?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13 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: FL

Complaint narrative:
I consumer recently sent in letters of unauthorized false invalidated information on my credit report and hasnt been sent back my investigation as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: FL

Complaint narrative:
I have discovered some information, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize account and inquiry and have never incurred debt with these creditors. I do not know where they came from.

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 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NH

Complaint narrative:
I have my mortgage with XXXX I have reached out to them many time in regards to taking away PMI- I was sent a package from them of the process, which included my getting a home appraisal- Which I did and I submitted to them for approval- Late last night I called 4X on hold over 1 hour finally speaking to someone who told me it was declined. because I have not paid 20 % of my mortgage to them? I explained to them that is not what it said on line or is this what the HOMEOWNER PROCTECTION ACTS STATES. AS long as I am at 80 % than PMI can be eliminated - XXXX XXXX even has the example on there site. 
I dont understand why I have to pay for something that is no longer needed and why I had to pay for an appraisal if now they can go ahead and change the law? 

Please I would like to know what my options are and the facts to PMI and is XXXX  able to do 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 2021-04-13 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: OH

Complaint narrative:
On XX/XX/2021 I spoke to a representative of and applied for a home loan through XXXX XXXX when the bank went to run a credit check on me they said that there must be a freeze in place from at least one of the 3 main credit agencies, I never requested a freeze from any of them though so this should not be the case anyway. I checked with XXXX and XXXX  both of which were really simple and easy and I was able to verify that there was no freeze from either of them. When I checked with Equifax even after multiple attempts they claim they were unable to verify me through their website even though the other 2 agencies worked just fine with the same information ( ss number, addresses both current and former, name, DoB ) and I was prompted to call their number. I did this multiple times both on XX/XX/2021 and XX/XX/2021 and I each time had to go through an automated system to enter in the same information that I already gave them again only to be again told I was unable to be verified. I then each time got on the phone with an actual person who again asked for the same info only to again tell me that they could not find a file on me and that If I want this resolved I need to fax or mail them copies of my social security card, state id and a form with other personal info. This does not seem like to should be necessary nor does it seem secure and seems to be a very irresponsible way to get peoples personal information. I also do not see how this can help them verify me when all those documents would just have the same information I have already given them multiple times. Them holding up this process by claiming they can not verify me when none of the other agencies had issues is keeping me from buying a home and putting my life on hold. And the way they want me to send them my information ( that I've already given them ) is insecure and irresponsible. And this is all for a freeze that I never even requested in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove. 

I am also attaching a copy of my FTC report that I filed as well for Identity theft.

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 2021-04-13 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The information regarding the account XXXX on my credit profile is reporting different account dates and inaccurate names of the creditor for each bureau. 

I have disputed this information with them directly but they are refusing to delete the account. 

They are reporting inaccurate information and it is hurting my financial future. 

Reporting different dates for each bureau. 

XXXX Date of last reported : XX/XX/XXXX XXXX XXXX Date of last reported : XX/XX/XXXX XXXX Date of last reported : XX/XX/XXXX Reporting different names for each bureau XXXX- COMENITYCB/MYSMLCARE XXXX XXXX- COMENITYCAPITAL/MSC XXXX- XXXX The bureaus are reporting fraudulent payment history as well regarding this account. 

XXXX : Exceptional payment history XXXX XXXX : No payment history XXXX : Reporting one month of payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPTUM BANK, INC.
State: WI

Complaint narrative:
I have been receiving emails from Optum that state '' Your XXXX Advantage Medical Savings Account ( MSA ) has been overdrawn since XX/XX/XXXX. 
It's important we inform you that, according to our records, your MSA has been overdrawn in the amount listed above since XX/XX/XXXX. Please bring your MSA current by XX/XX/XXXX to avoid account closure. '' I don't have an account with Optum bank since I switched to a different Insurance this year. I don't know how I could have over drawn an account that doesn't exist. I emptied that account in XXXX. I believe this is bank fraud preying on seniors or it may be phishing scheme. I don't believe that Optum is so XX/XX/XXXX as to allow someone to overdraw on an account that is closed. This is a small amount of money that could be some internal mistake of the bank accounting fee that I should not be responsible for. thanks for your help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commercial Recovery Systems
State: TX

Complaint narrative:
CRS & Associates have contacted people I didn't give them permission to contact, and left voicemails where applicable threatening penalties, court, and possible jail time. They have said that they are legally okay to contact whomever they want. When asking for an address, they gave me XXXX XXXX XXXX, XXXX, Tx, which doesn't come up on maps. This makes sense because he took a minute to tell me. Also they ONLY accept cards, nothing mailed in. 

They are extremely rude and hung up on me twice when asking basic questions.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX I called CITI BEST BUY CREDIT CARD company asking to lower payment for 11 months because of Covid-19 pandemic, I told them that after these 11 months I will pay full balance on card ( XX/XX/XXXX was promise date of full payment. ) Today XX/XX/XXXX I called them, payed full card bringing balance to zero, but they told me that I was put on a plan to close card after, so my card was closed, without caring the damage that will cause in credit score.

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 2021-04-13 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: CA

Complaint narrative:
I used my debit card to pay for something through XX/XX/XXXX on XX/XX/XXXX I received the items damaged and the merchant was rude and didnt help cant reach anybody from XX/XX/XXXX called my bank and did a claim now there not hleping me

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 2021-04-13 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: CA

Complaint narrative:
There are 5 accounts showing up on my credit report that do not belong to me. These accounts were never opened or signed or used by me. I pulled my credit and noticed that these accounts are not mine and are appearing on my credit report and causing me great grief. I should not be responsible for someone else 's mistake. I have opened an FTC regarding this. 

XX/XX/XXXX

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 2021-04-13 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: CA

Complaint narrative:
There are 5 accounts showing up on my credit report that do not belong to me. These accounts were never opened or signed or used by me. I pulled my credit and noticed that these accounts are not mine and are appearing on my credit report and causing me great grief. I should not be responsible for someone else 's mistake. I have opened an FTC regarding this. 

XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was approved of a Citi Premier credit card on XX/XX/2021, with the bonus of XXXX Thank You Points after spending {$4000.00} within 3 months of account opening. The annual membership fee for this card, {$95.00}, was posted to my account on XX/XX/2021. It was fully paid a few days later. On XX/XX/2021, Citibank unilaterally closed this account after alleging me of " providing inaccurate information '' on a transaction dispute. I have absolutely not provided any inaccurate information to my knowledge in any of my disputes that I submitted to Citibank. Citibank conveniently charged me {$95.00} for the membership for the whole year, only to close my account less than a month after this membership fee was paid -- I basically paid {$95.00} for less than 2 months of membership for this card. This is an obviously shameless infringement of my rights as a cardholder to submit disputes to a reasonable degree. Citibank must be held accountable for this disgusting behavior to take advantage of vulnerable individual cardholders and reinstate my account immediately with an opening bonus after I complete my required spending requirements.

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 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANA Original creditor : XXXX {$620.00} Balance updated XX/XX/XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance on XX/XX/XXXX {$620.00}

Company response to consumer: Closed with non-monetary relief