vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal has stolen my money and has held it for more than 180 days. Hiding behind their closed phone lines and the hiding behind Covid-19 as a reason to not answer the phone. Almost every other company in America is answering the phone, and have employees working from home, but not Paypal.

Paypal 's website says that i can not use paypal services anymore. I want to withdraw my funds. I have had {$470.00} held for more than 180 days. I read the entire user agreement and there is no reason Paypal should hold funds in my available balance of my account any longer. All items have been shipped out on time to buyers and any refunds have been processed months ago. Paypal removed my ability to message them and their phone lines have been closed for about 2 months. I have invoices showing that all product were obtained from valid suppliers. I have sent Paypal an email with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made a purchase at Victoria 's Secret store in the XXXX XXXX in XXXX FL, on XX/XX/XXXX. They opened a Victoria 's Secret credit card for me to pay for the purchase. I returned all the items after a few days because it did not fit. The store gave the receipt back, but I did not keep it. 
I never received the credit card or the bills until XX/XX/XXXX. I thought they would not charge me anyway, because I retuned the items. They are charging me {$510.00} for the items, whose original value was {$89.00} and I returned them. 
I have talked to customer service many times and I have visited the store, when it was open before the Covid-19 pandemic, but they did not help me. They keep charging more and more with every passing month. I think this is fraud. I am XXXX years old and I am XXXX. I think they are taking advantage of me and I have no one else to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid for a trip to XXXX through my checking acct at BB & T. I had monthly payments taken from my acct and paid to travel agency XXXX. 

On XX/XX/2020 I received an email from XXXX stating they were cancelling my trip because of the COVID-19 virus. There was an attached letter from the U.S State Department. The letter stated that because of virus threat they are issuing a DO NOT TRAVEL alert to all international trips. 

XXXX stated that we would need to get in contact with our bank or credit card company to get our refund. When you call their phone number they refer you to the web-site. When you go to their web-site it only has the letter from the U.S. State Department.

I reached out to my bank BB & T. I explained the situation to them. They said they had to transfer me to the fraud dept. I explained that it was not fraud, but they said they still needed to send me to that dept. I spoke to the fraud agent and explained the situation. They took all the information and told me they would investigate and get back to me. 

A week later I started receiving ATM/Check Card/Electronic Check/Error Resolution forms for each of my charges.

I faxed each one back with the letters from XXXX and the State Dept. proving the trip was cancelled without my permission and due to unforeseen pandemic. 

On XX/XX/XXXX I received a letter stating that because these transactions where non fraud there was nothing the bank could do. They stated with the requested information they would attempt to recover the funds from the merchant. 
I contacted the bank again. Explained that I had previously faxed the requested information. I was asked to fax it again, which I did. 

I have not heard form the bank since then. I called to file a claim for services not received on XX/XX/XXXX and was told I had to wait until XX/XX/XXXX since the other claims where still open. 

This really upsets me that BB & T is not willing to refund me my money. I have been with them since I was XXXX yrs old. 
I had booked another trip with a card from another bank. Had no problem getting my refund from them. Just don't understand the problem. 

I would appreciate any help I can get Sincerely, Miss XXXX XXXX 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 2020-05-28 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: EQUIFAX, INC.
State: MS

Complaint narrative:
i have submitted several letters to the Equifax, XXXX, and XXXX  to resolve these matters. i have pointed out the inaccuracies and inconsistencies and they still continue to report on my credit report. XXXX  and Equifax claims they verified the bankruptcy reporting on my account. However XXXX XXXX has deleted the item from their report, because they could not properly verify it. i have enclosed the most recent letter sent to them, and the letter from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: MS

Complaint narrative:
i have submitted several letters to the XXXX, XXXX, and Experian to resolve these matters. i have pointed out the inaccuracies and inconsistencies and they still continue to report on my credit report. Experian and XXXX  claims they verified the bankruptcy reporting on my account. However XXXX XXXX has deleted the item from their report, because they could not properly verify it. i have enclosed the most recent letter sent to them, and the letter from XXXX  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 2020-05-28 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent several letters to XXXX, XXXX  and Equifax to resolve this matter. They continue to report inaccurate address, and misreporting information on my credit report. The accounts continue to report inaccuracies and they are not responding to my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: MS

Complaint narrative:
I have sent several letters to Experian, XXXX  and XXXX  to resolve this matter. They continue to report inaccurate address, and misreporting information on my credit report. The accounts continue to report inaccuracies and they are not responding to my disputes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Since rates have decreased my wife and I wanted to lower the rate and shorten the term on our existing 1st mortgage. Currently, we have both our 1st and 2nd mortgage with Bank of America ( BofA ). We had recently refinanced our 2nd mortgage with BofA so I contacted them about refinancing our 1st mortgage. I was given a rate/fees that were much higher than what I had seen advertized so I checked rates with a couple of local lenders. I found rates/fees much lower than what BofA quoted me. When I ask my BofA rep about why my rate/fees were so much higher he told me that I would have to submit the competitor 's quotes to receive a better rate from BofA. All of our communication was done via email so I can document everything I am stating. I was not comfortable with this type of business practice so I chose to refinance with the local lender which offered the best rate and fees. Once the refinance closed and the 3 day rescission period was up BofA informed the title company that I had to pay a {$250.00} subordination fee so they would subordinate our 2nd mortgage. I have never heard of a lender charging for this, nor did BofA ever disclose this fee when we closed the 2nd mortgage. However, in an effort to get the deal done I paid the {$250.00} to the title company. Then I was informed that BofA would not accept this {$250.00} fee in the form of a wire transfer from the title company of a deposit at a local branch. They would only accept it as a cashiers check that had to be mailed to them. This derailed the refinance. It did not fund and I am stuck paying another month worth of payments at a higher rate, another set of closing fees, and forced to take time to close another loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28 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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I dealt with Cit 's customer service team. I disputed a charge by XXXX. I received a provisional credit, but the credit was reversed and added back to my account based on documentation provided by the merchant that didn't relate to my circumstance. I sent supplemental documentation to Citi  and Citi  closed my claim saying it wasn't legible. If I would have seen the message to re-provide the documentation, I would have done so, but Citi  sent the notification such that you can only see it when you log in from a desktop browser, rather than the mobile app. As a result, I didn't see the documentation prior to them closing my claim, and now they don't appear willing to help me at all, even though the merchant hasn't provided documentation showing it was a valid charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NV

Complaint narrative:
I completed a transaction for {$260.00} for the Nevada DMV with my debit card.

That day the transaction was posted on my account right away as pending.

That night when I checked my account after XXXX that transaction disappeared from the transactions, It was not there not even as pending anymore so I think that the transaction was canceled or voided from the DMV and I transferred XXXX from account ending in XXXX to my other checking account with USBank ending in XXXX ( money never was moved out of the bank ) then that day in the morning my account was showing DMV transaction posted and account ending in XXXX was negative, USBank charged 4 overdraft fees, USBank do  maintenance by midnight with the propose of creating with kind of confusion in customer and charge those overdraft fees. This is completely unfair they had that system issues and I made me confused so I transferred XXXX dollars to my other account and they charged 4 overdraft fees. 
This is the second time that they do this to 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 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Kohls charge serviced by capital one. I called the customer service was on hold over two hours to get through. I couldnt understand first why I can not see my statements older than XXXX this year then second when I am making a payment always above the min my balance hasnt been moving in more than 5 months I look at the last statement and they are charging multiple interest rates which add up to almost 50 % interest I had a fixed rate of 26.49 % the past 8 years and all of a sudden I cant make headway to pay off XXXX it just goes up and up Im now into XXXX Where I started in XXXX I havent shopped there in 6 months so how is that right. Only XXXX has counted towards the balance with a average payment amount of XXXX every month since XX/XX/2020 They need to be stopped please do something I have rcvd no communication in any form or signed or agreed to a balance protection insurance and variable rate this is a complete consumer scam and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX USA My complaint is with this merchant. She has reported a balance owed to her practice to credit reporting agencies using my personal information which I provided to her so she could provide care. After undergoing a minor XXXX in her office with a care provider she decided several weeks later that the balance had not been satisfied. 

This is the issue. She agreed to bill my XXXX insurance for the cost of the service. She collected that money and I paid the agreed upon difference for the cost of the service at the rate she accepted and which was paid for by the XXXX insurance provider. She is now asking me for money that is in excess of the agree upon price which was set by the XXXX   insurance company I used for the XXXX procedure. This is not a legal practice. Her reporting of this balance to the credit bureaus has caused me great frustration and I would like to make you aware of her business practice surrounding medical services. She should know very well that this unethical and fraudulent practice for a medical provider. 

She has chosen to use Capital Accounts LLC as a collection agency in order to pursue this balance. I would appreciate it if you were to investigate this issue. Her reporting of this fraudulent amount owed to her has caused me hardship, as I am trying to qualify for a mortgage and this account is aggravating the process, since I do not want to pay it and it should not have been reported to the credit bureaus in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a Citibank account with a {$400.00} promotion for minimum {$15000.00} deposit and another {$100.00} for direct deposit. The banker XXXX XXXX XXXX XXXX XXXX at opening confirmed with me that I am eligible for the promotion. I have kept the balance for more than 6 months now and still no bonus has been given to me even after numerous complaints to the bank and the executive office. Citibank is scamming customers and not honoring their promotions. The terms were to keep the money for 60 days and within 90 days the {$400.00} bonus will be given to me and another {$100.00} for direct deposit for a total of {$500.00} dollars. It has been more than 6 months now to no avail even after numerous complaints and calls. This is not acceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent several letters to XXXX, Transunion and XXXX  to resolve this matter. They continue to report inaccurate address, and misreporting information on my credit report. The accounts continue to report inaccuracies and they are not responding to my disputes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
When my loan was serviced by XXXX XXXX, I received bad information on student loan repayment. I was advised to put the loan into forbearance while working at the US Census Bureau as a statistician in Washington DC. My IBR would have been XXXX for that year but the lender recommended forbearance. Those 12 payments never happened at the census bureau and I lost a year of eligibility for PSLF. The year was XX/XX/XXXX to XX/XX/XXXX. The prior tax year I received no income as a graduate student.

Company response to consumer: Closed with explanation