vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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: FL

Complaint narrative:
I have a credit repair company working on my credit report. An item was removed from XXXX, but Experian and XXXX  have not removed the same item. When I spoke to the representative at Experian and aksed what proof the collections company provided to prove the debt on my report, I was told they don't need to provide anything. When they were asked to investigate the item, they did not ask the collection company to prove anything. The item is reported by XXXX XXXX XXXX, XXXX on behalf of XXXX. I tried to reach out to XXXX and they referred me to XXXX XXXX XXXX, XXXX. Neither company has been able to provide anything to prove the debt to me. The item needs to be removed from Experian and 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 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I bought a magazine subscription. I used my PayPal account to charge for the subscription. I then tried to add money to PayPal to pay for the subscription. PayPal refused to take my money and is beginning to charge me fees. I can provide you my checking account balances to show that I have enough money to pay the {$34.00}. They websites says " add money ''. I go through that service and the options are not available. 

I reached out to them via PayPal " contact us '' message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them on those days too but the automatic system hangs up on me. The customer representatives told me that the option is available for me to add money. I go back to their website and it is still not working. 

As per the customer service rep suggestion, I sent them a check on XX/XX/XXXX PayPal , Inc . 
Attention : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They wrote me : " Upon receipt, a personal check normally takes 7 business days to post to your account.

Upon receipt, a cashier 's check or a money order normally takes 2 business days to post to your account. 

Please keep in mind that, while your account balance is negative, any payments you receive in your PayPal account will be applied to the outstanding balance and any refunds you attempt to issue will be funded by an electronic transfer from your bank. Finally, please keep in mind that your account could be limited until the negative balance is paid. '' It has been three weeks. They have not taking my money XXXX source : XXXX XXXX  XXXX. 

PayPal is starting to charge me fees for my negative account that I try to rectify via all the means they provided. Please help me. I am very upset. As a legal immigrant, I do not want to do something that is not right and I feel that PayPal is taking advantage of me. 

I enclosed the print screen examples of what I go through the PayPal. The last print screen - " Fifth page '' - clearly shows that I have linked accounts. When I select them and then press " next '' -> nothing happens. There is no new page. I brought that to the company reps attention and they all told me that I am wrong ( I guess bevause I am an immigrant and dont write good ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I closed an American Express charge card account on XX/XX/2020. 

There was a balance of approximately {$530.00} owing to me when I closed the account. 

American Express told me that I would receive the {$530.00} within 15 business days. 

I provided checking account information so the {$530.00} could be sent to me by wire. 

On approximately XX/XX/XXXX after 15 business days I had not yet received the {$530.00} refund, so I called American Express. The representative apologized and told me I would receive the refund within 5 business days. I confirmed that American Express had my checking account information correct for purposes of making the wire. 

On XX/XX/XXXX after another 7 business days I had not received the {$530.00} refund so I called American Express again. The representative apologized and told me I would receive the refund by wire no later than the close of business on XX/XX/XXXX. I again confirmed that American Express had my checking account information correct for purposes of making the wire. 

I did not receive the refund on XX/XX/XXXX. 

On XX/XX/XXXX, I had still not yet received the {$530.00} refund, so I called American Express again. I was transferred to a manager and was told that she would do everything she could to expedite the refund within XXXX business days. I again confirmed that American Express had my checking account information correct for purposes of making the wire. 

On XX/XX/XXXX, after 5 business days I had still not received the {$530.00} refund, so I called American Express again. I was again transferred to a manager who said they would look into it. I again requested that American Express make the refund as soon as possible and contact me with updates. 

It has been 30 business days since I closed the account and I have still not received a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: FL

Complaint narrative:
I had a reverse mortgage with American Advisors Group in XXXX, but they sold the account to another company, on XX/XX/XXXX, I received from them telling me the amount of the equity that I have on the house and I want to redo the loan, so I contacted them, but I told them that I want to do a conventional loan this time, they assigned the loan to someone named : XXXX XXXX XXXX and his licenced ID is XXXX they phone number is XXXX, he never talked to me about the loan I always be the one who called him to find out about the loan after I called him over and overabout the loan, he told me it was his manager who was on the loan and would processed the loan, I waited and waited, his manager has ever called me nor anyone else then I called XXXX XXXX again, thent he told me that loan was assigned to someone called XXXX, in the two week frame, I received a disclosure paper to sign which I did and returned to her, and never heard anything from her, I waited and waited, called and called, left a message and message to her, still no response from her, after I wait so long with no response, I called the customer service department explaining the situation asked to talk to Mr.XXXX manager and the customer service department representative told me that she would email him regarding the matter, he never called me nor emailed me regarding the situation, but after several weeks, I received a voice mail by someone called XXXX telling me that she is on the loan and she just wanted to introduce herself to me and she wanted me to call her which I did, when I talked to her she seems to be nice and we had nice chat, she told that she was sorry but she would review everything and in the couple day she would call me, she never did but every two weeks I have called her and any time I call her, she told me the same thing by saying in the couple day I would called you she never did, I called her four separate time two weeks apart frame, she kept saying the same thing, I am really tired of it, that cause a great harm because if they told me they could not do it, I could contact another company, even now I know what is going on, it has been six month since this transaction started andit is on that, I am filing this complaint today

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021 at around XXXX XXXX Central, I went to BoA ATM at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX to deposit cash { {$7500.00} }. ATM after taking my card and cash { 75 {$100.00} bills }, returned 9 {$100.00} bills after 2 3 minutes and thereafter machine went un-responsive. Then machine re-started and in process I lost my {$6600.00} and Debit Card. I saw one BoA employee coming out of bank and asked for her help. She expressed her un-ability and asked me to call at number on ATM machine and come to branch next day. I called BoA support and after delay of 4 5 min, BoA agent started helping. He asked me location of the BoA ATM. I told him that I have ATM ID but he was keen on getting the physical location of Bank. I dont understood why BoA doesnt have address on ATM machines when agents are expecting address rather than having ATM ID. Somehow, we got the location of the ATM by sharing the street address and near by landmarks. Then, I narrated the whole incident to agent and was assured that required complaints for missing cash and new card are logged. After that when I reached home, I saw a request for new Debit card but saw nothing in BoA application with respect to lost cash. I thought system might take sometime and by next day morning, I will see something. 

Now, on XXXX I didnt saw any claim # for missing cash and as advised by BoA employee, I went to bank for help { Till now there is no claim # in BoA application }. The BoA employee on floor who was attending to customers told me that nothing could be done from branch and everything will be done via call. Again, I dont understand that why BoA employee on XXXX asked me to visit branch when everything will be done with phone calls only. Since then my apathy continues. There is no communication from BoA on what is happening on the money taken by machine and I am being told to wait for 10 Business day.

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 2021-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
I applied for a VA loan with this mortgage company and was preapproved. My application was submitted in XX/XX/XXXX. I completed documents through XXXX online. I provided all the documents requested in a timely manner. I paid {$520.00} for an appraisal out of pocket. So fast forward to XX/XX/XXXX. During this whole time I was advised that the delay was due to not having enough underwriters and issues with COVID. I asked the processor if there were any issues with my application and she stated that as long as nothing changes I should be good to go. She calls me and says that a termite inspection is required and that is holding up the approval. I pay {$250.00} to get the termite inspection done. A week later I receive a call from the processor and she leaves a message to call her. I call her and email her and never get a response. I look online and see a decline on the loan. I email and finally speak to the Loan Officer on the phone. I ask him why my loan was declined. His response to me was that he pulled my credit again and my credit scores have dropped making me ineligible for the loan. I call the credit agency this company uses to find out what my scores are currently. I uncover that he had lied and my credit was never pulled again. The credit score he stated was the exact same scores on my credit when he pulled it in XX/XX/XXXX. When I received the decline letter it stated the application was incomplete, which is a lie. My score had never changed and this Loan Officer had accepted an application and processed it knowing that based on my credit score ( at the time of application ) would never have a chance of approval. This application should have never been processed ... period. I contacted the Loan Officer and sent him an email demanding they refund me the expenses I incurred for no reason. My application never had a chance of approval and I felt like that was wrong on their part. Had they just decline the application as they should have I would not have incurred the expenses and felt they are liable. They sent me a check for {$520.00} but not for the {$250.00}. I sent two emails advising them I would like to be reimbursed for the {$250.00} as well. They did not respond. I am going to file a complaint with XXXX as well. If it happened to me Im wondering how many other people this may be happening to. Had I not investigated this I would have just accepted the result. I knew my credit had not changed because I was monitoring it. This Loan Officer should be held accountable for his actions. His files should be investigated to ensure hes not running numbers in order to hit his quotas. This was a major issue with a financial institution a few years ago.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10 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: OH

Complaint narrative:
I refinanced my car with XXXX XXXX Credit Union on XXXX. They sent a check to Hyundai Motor Finance to pay off my loan and the check was cashed on XXXX. XXXX claims that they can not locate the payment made and that there is nothing they can do. 

I have contact Hyundai four times since XXXX to get the issue resolved. 

Today was my fourth attempt to resolve this with XXXX and I was on the phone for over forty minutes and was still told there was nothing they can do.

This check was over nighted to Hyundai and cashed, it had all the proper documentation and was for the final pay off amount of {$13000.00}. 

I have my new payment set to come out of my account on XXXX. I also have a payment with Hyundai still set to come out on the same date. That will be over {$800.00}. If I remove my payments with Hyundai I will have negative marks on my credit report but, if I don't pay on my due date, they will take out a payment that is not owed.

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 2021-02-10 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: GA

Complaint narrative:
TransUnion XXXX TransUnion and XXXX XXXX XXXX has been reporting that I have a collection/charge-off account with them and they are putting derogatory information on my credit report that in error. After being frustrated with this situation I decided to do some research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account 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 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
I received a letter from halsted financial services llc stating that they bought my account from XXXX XXXX XXXX and that I owed XXXX the date on the letter is XX/XX/2021. I actually received the letter in XXXX. I never opened a credit card with XXXX XXXX. XX/XX/XXXX I called halsted and inquired about this. The social security number and email were mine, the secondary email had my stepmom name. I told the agent I would be challenging this and the call ended

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/XXXX made payment of XXXX, i realized XXXX applied to the 12 or 24 month interest free purchases, not to 6 month interest free ending in XXXX XX/XX/XXXX made payment of XXXX same problem applied to 24 month interest free XX/XX/XXXX talked to representative, was told that's how they do it unless state it when i make a payment and to talk to a representative through live chat or on phone.. 
so i made a payment of XXXX with same representative as above and he said would be put towards the 6 month interest free and would have the XX/XX/XXXX and XXXX payments reversed in the next 24 to 48 hours. 

Mid XXXX around XXXX called XXXX since nothing was adjusted, was told that change can take until next billing cycle XXXX XX/XX/XXXX XXXX XX/XX/XXXX or XXXX talked to representative make a payment of XXXX requesting put to 6month financing not 24 or 12 month financing promotions that i have, person said not a problem asked about payments from XXXX XXXX XXXX was told they can see in system the request was made to re apply to 6 month programs.. 

XX/XX/XXXX payment of XXXX was applied to the 12 and 24 month promotions not 6 months interest free promotions.. 

XX/XX/XXXX talked to representative, same story will put in request to re apply XXXX payment,, I stated to XXXX rep that if happens again and all XXXX payments not XXXX applied by next billing cycle i would file a report to the FTC XX/XX/XXXX Account showed the XXXX payment was re applied properly,, still nothing from payments made XX/XX/XXXX XXXX XXXX, XX/XX/XXXX a payment of XXXX with a XXXX representative to be applied to 6 month interest free programs, said not a problem .. 

XX/XX/XXXX payment of XXXX was applied to the 24 month interest free program XX/XX/XXXX talked to representative about AGAIN payment miss applied was told will be corrected in 24 to 48 hours XX/XX/XXXX statement closed looked at statement and the payments from the XXXX XXXX and XXXX have not yet been re applied and has been 48 hours and the payment from the XXXX has not been re applied during this i was told the re applying of payments could take 24 to 48 hours, then told XXXX to XXXX business day, then told next billing cycle, then last time on the XXXX i was told 24 to 48 hours ONLY when i brought up the FTC on the XXXX THEN was the XXXX payment made on XX/XX/XXXX XXXX applied XXXX 24 hours )

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 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called Wells Fargo to resolve a complaint about interest charges due to an issue of Wells Fargo not debiting my account for the credit card fees. Wells Fargo fixed that issue and offered to set up automatic payments for my credit card so this issue would not arise again. I agreed. 
six months later while reviewing my bills I realised that I was being charged monthly interest. On contacting wells Fargo they told me they automatic payments have been set up for the minimum amount due and not the full amount. when setting up the automatic payment, I was not provided with this information.

I have requested Wells Fargo to refund the interest charged for the seven months as the minimum payment was set up without my authorization either by mistake by wells Fargo or maybe intentionally to earn unnecessary interest. 
It should be noted that there is no easy way for setting up automatic payment online at the Wells Fargo site, nor is the information that only minimum payments are being chrged clearly shown on the online credit card statement. 
It was only when I downloaded the PDF statements was I able to see and understand what was happening.

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 2021-02-10 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: CA

Complaint narrative:
On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: NV

Complaint narrative:
I sent a letter to the credit bureaus in regards to unknown and inaccurate items that I have found being reported on my credit report on XXXX/XXXX/2020. As of today it has been 46 days later I haven't received a response to my disputes of the inaccuracies found on my report. I'm starting to feel as if my actions are being disregarded on resolving this matter. I'm aware that there is a process that has to be taken, but to my understanding failure to to investigate these items within 30 days gives a valid reason to remove these items from the consumer report. So far it has ben 46 days and these items should be removed immediately. These inaccuracies are adversely affecting my credit and I want this issue resolved immediately not in another 45 days.

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