vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XXXX XXXX a transaction was made for {$50.00} plus {$4.00} fee/tax totaling {$54.00} from my account to a XXXX XXXX ( XXXX ) via PayPal!! I have been scammed!!! Ive filled a dispute with the above named person to get my money back, also with PayPal and my account holder, but I havent heard anything back from anybody and I have not been refunded my money!!! PayPal tells me I have to file with my account holder and my account holder says I have to file with PayPal!! Its been over 20 days and I still have yet to hear anything or receive my refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc.
State: OH

Complaint narrative:
I am trying to clear up my credit report and found a credit in collections since XX/XX/2016. I have no idea what this is for, nor has the company sent me a notification that I owe this debt. I attempted to dispute the charge with XXXX, XXXX, and XXXX, but the creditor replied that the charge is mine, yet I still have not received notification about this debt. 

The company ( SA-VIT COLLECTION AGEN ) is stating that I owe {$820.00}

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 2020-01-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received promotional mail and email from Bank of America in XX/XX/2019, which said I would be offered {$300.00} bonus credit, if I successfully apply a Bank of America Business MasterCard, and spend {$3000.00} eligible expense in the first 90 days of card opening. I responded to the offer, and got my card opened in XX/XX/2019. 
Between XX/XX/2019 and XX/XX/2019, I see from the credit card statement, there was a total expense of {$3000.00}. However, after the end of promotional period, I was not offered a {$300.00} bonus credit. I called Bank of America, and was told among the {$3000.00} expense, there was a {$39.00} late fee, and the eligible expense is only {$2900.00}. I told them I paid my card monthly due in full on time, why would there be any late fee? Bank of America acknowledged it was a mistake on their side, and returned me the {$39.00} late fee. But they refused to give me the {$300.00} bonus. 
I dont think it was a mistake. I think the bank fraudulently put the late fee on my card, to trick me out of my bonus. I paid all my monthly due in full on time, I was absolutely not aware there was any late fee on my card when I calculated how much I need to spend before the end of 90-day period. If I knew, I would of course have spent {$22.00} more to achieve the {$3000.00} ELIGIBLE expense.

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 2020-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
The collection on my report I have no Knowledge of this company I had no verbal communication and never sign anything any agreement with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: AES/PHEAA
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has responded to my complaints 2 different times and both times they do not address my complaint. They are clearly breaking the law because they are putting stuff into the complaint reply that has nothing to do with my actual complaint. 
Section 605B of the F.C.R.A. states very clearly how a C.R.A. must act in regards to an ID theft complaint. There are 6 sections in the law named. A., B., C., D., E., F.

It is clear in the law, that the C.R.A. must do all the 6 sections in order how written. " A '' says to block the information I identify as fraud no later than 4 business days after i identify that info. " B '' says to notify the furnisher of the info that the info they submitted was blocked. " C '' says that the C.R.A.  can decline or rescind a block request by me, after the furnisher answers with information that contradicts what the i claimed, then the C.R.A. can make a reasonable determination what the truth is. NOT before they block the info no later than 4 days after i claim it properly.

Fraud is fraud. Experian needs to OBEY the law and NOT rewrite the law to break the law like they are now.

4 business days have come and gone, i am harmed because information I did NOT give permission for, or allow someone else to do, is on my file wrongly. I did NOTHING to have those companies place inquiries on my credit file. The police agree with me, i filed a new report, i have given this to Experian and they are saying NOTHING in relation to my complaint, they are avoiding my complaint with XXXX, nothing true 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 2020-01-12 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: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
Goldman Sachs is REFUSING TO PROVIDE ME MY ACCOUNT NUMBER by any verified method. Goldman Sachs demands I gain this info on this closed account by a cell number and cell phone on a wallet app I no longer have. This refusal is not only anti-consumer it is anti-business. Goldman Sachs doesn't want to get paid if it doesn't provide the information necessary to conduct a balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
Lexisnexis has been listed as the furnisher of public record information for XXXX, XXXX, and XXXX. I have provided recently a court signed document expungement of bankruptcy case XXXX filed on XX/XX/2019. This was a human error that wasn't created as a new filibg. The document state that error. I emailed Lexisnexis the document included their case information on the email, and had previously in the same disputed request have provided Lexisnexis with a copy of my drivers license, mail address. Yet, Lexisnexis, XXXX, XXXX  and XXXX   are not removing this erred bankruptcy case. I have provided all 3 reporting agencies with my driver 's license and mailing address via dispute and through Cfbp complaints filed through out XX/XX/2019. I want this corrected on my credit report. It is causing great distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The collection on my report I have no Knowledge of this company I had no verbal communication and never sign anything any agreement with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
To whom it may concern, I'm a XXXX student who studying my XXXX degree in XXXX XXXX was on the road to establish credit and was referred to apply for a Capital One Platinum unsecured credit card from an Customer service representative at XXXX  bureau. There I became a honor on-time full payment cardholder for a bit over a year. Until I experience a home burglarize invasion which resulted in become a victim of identity theif which cause a big loss as been a young adult who was trying to establish independent start in life that when I received my billing statement that following month that when I noticed there where many unauthorized transaction charges that I didn't authorize or give no one permission to. I contacted Capital One and filed a dispute claim which went under investigation and resolved to be Unauthorized transaction due to compromised account but was told that I had to continue making all payments which I continued to keep my credit score in great status due to my social security card being stolen I cleared my balance and closed my account once I closed my account that when Capital One want me to account holder that the baby came from verify verify personal information which was confirmed to me that there where not any issues with the payments that they receive.That when Capital One infrom to me a that I wouldn't wasn't going to mail me my refund check from Capital One which was told from the other individual that made those last last 4 payment. How can I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: OK

Complaint narrative:
the information being reported on Transunion for the account under XXXX XXXX is inaccurate, under the remarks they have it as a deed in lieu, there was never a deed in lieu, XXXX XXXX bought the property back, I have the email from them were they show the don't have a deed in lieu, and the miss payments are wrong as well. there is no money owed on this account and there was only 2 missed payments before they bought it back, and have resold the property for {$34000.00}. they are require to show proof if requested by consumer, XXXX needs to show a signed deed in lieu document, which needs to have three signatures and be notarized stamp and signature, please forward all documents provided to Transunion by 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 2020-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I've had this loan for almost a year. Each time I've been given the loan in going over the paperwork there are sections you sign off on for the insurances you get with the loan. I've always marked all the boxes because the lady going over it with me goes over each one.  The last time I renewed my loan the lady was incredibly mean and did not take the time to go over everything with me. I was laid of of work on XX/XX/2019 and for the first time had to file unemployment. When I called to let this company know that I will need to file a claim, the lady who answered said I did not get the unemployment insurance and would not be able to file a claim. I explained my side of it and she said do you have your paperwork which I did not get copies of. This loan was based off of my pay before I lost my job.

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 2020-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
My loan comes with unemployment insurance, which for the first time in my life I needed to file as of XX/XX/2019. I called the branch to get help with filing a claim to ensure my loan payments are kept up. The loan was based off of my pay which has drastically changed with unemployment. I was transferred to XXXX who works in the branch where I got my loan after the girl who answered the phone did not know how to help me. XXXX was not helpful and gave me no instructions on what to do. After I spoke with him he actually called my phone back and left a bullying voicemail message. I called the corporate office and explained this to the lady, who said she would have the district manager reachout. To date that has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Our family is experiencing financial difficulties. We fell behind on some payments. 
Citibank calls all day every day, from XXXX XXXX up until close to XXXX XXXX. They are the first call every morning. 

My father has XXXX XXXX and takes a lot of medicine. The frequent calls bother him very much. 

We are aware we are behind in payments. We don't need a phone call to remind us. When we are back on track, we will resume payments. Until then, we don't need the harassing phone calls EVERY DAY, including Sunday.

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 2020-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had previously submitted the following complaint regarding a Bank of America practice of limiting the options for customers to contact it. 

" Bank of America send me an unsolicited email message that contained the following statement : " Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. Please do NOT send any physical mail to this address, especially mail containing sensitive information. Need to get in touch? Simply visit our Contact Us page for multiple ways to connect. Please do not reply to this email, as email replies are not monitored. '' Specifically Bank of America does not want me to contact them in writing regarding the matters of the unsolicited email message that raised multiple concerns. '' Bank of America has not uploaded its response to that complaint to the CFPB portal and thus did not provide CFPB or others who may have examined my complaint and the company response an opportunity to see a clear inconsistency in company 's response which contained factually false information. 

The original message from Bank of America that I file a complaint about contained the phrase " Please do NOT send any physical mail to this address, especially mail containing sensitive information. '' stating that I CAN NOT send any mail to the company. 

In its response that the company forwarded directly tome and had not uploaded to the CFPB portal it claimed that the exact same address CAN be used for snail mail correspondence. The company has not said anything that the information in the email message was clearly discouraging consumers from sending physical mail to.

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 2020-01-12 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: TX

Complaint narrative:
XXXX XXXX Home Mortgage has reported 4 late payments on my credit report to Equifax and XXXX. I have submitted a dispute to each of the credit bureau 's but the results came back the same. XXXX XXXX refuses to remove the late payments despite proof of payment for 2 of the 4 months reported as late. 

In XX/XX/XXXX I entered a forbearance program with XXXX XXXX. I was medically retired from XXXX XXXX and lost a substantial amount of income. I was to pay {$25.00} a month for 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Once I completed the payment plan, I was told that a new payment would be calculated to address my arrears and future payments. This would be determined based on income and the options were between a repayment plan or loan modification. 

In XX/XX/XXXX, I was instructed to complete a mortgage assistance application which provided details about my income. It was determined that I would pay my arrears and future payments through a repayment plan of almost {$2500.00} a month. I expressed concern because at the time I was attending school full-time and paying for tuition out of pocket. I submitted an appeal and was told to provide a new application with my education expenses included in the budget worksheet. Once submitted, it was determined that a loan modification would better fit my situation. 

I was then told that effective XX/XX/XXXX, I was to begin making 4 trail mortgage payments of {$1300.00}. I completed the trial mortgage payments in XX/XX/XXXX and my official loan modification documents were signed in XX/XX/XXXX. During the time I was in underwriting ( XXXX - XX/XX/XXXX ) and while I began my trial mortgage payments ( XXXX - XX/XX/XXXX ) XXXX XXXX reported my account late to the credit agencies. 

This has now prevented me from using my VA Home Loan benefit that I served nearly 15 years to earn. It has also prevented me from obtaining a home loan with other lenders and even XXXX XXXX, which is a complete slap in the face. In XX/XX/XXXX I asked my loan preservation specialist about the next steps in making full mortgage payments but was told not to worry as it would be calculated when the time came. At no point was I advised that during the underwriting process and while making trial mortgage payments that my account would be reported late to the credit bureaus. If I had known, I would have never entered any agreement with XXXX XXXX under their mortgage assistance program. 

I want this issue to be reconciled immediately so that I can obtain credit for a new home and so that other service members are not faced with the same situation. XXXX XXXX is impacting a VA benefit that many work hard for and at a high price.

Company response to consumer: Closed with explanation