vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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: AZ

Complaint narrative:
I have been trying to close my PayPal account for several months. When I first encountered this problem, I called PayPal, sat on hold for a long time, and then I was told that I didn't have an active credit card associated with my account. 

So, I updated the card information. 

After that, I tried to cancel again. The first step in this process is clearing your account of any money that may be in it. I chose the check in the mail option. That didn't work -- I got an error message. 

I called PayPal, sat on another long hold, and once I spoke to their outsourced tech support, I was told that I would be transferred to the legal compliance department. 

Another long hold ensued. And, truth be told, I hung up. I couldn't help thinking that PayPal was trying to blow me off. 

Well, this morning, I made another attempt to clear my account of any money that may be in it. Again, I chose the check in the mail option. Got the same error message that popped up during my two previous attempts. I took a screenshot and am sharing it with this message. 

Now, I'm not asking PayPal to send a huge amount of money. That isn't the point. The point is that I'm trying to get the {$11.00} that is rightfully mine out of PayPal. Can you help me do this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On the date of XX/XX/22 ( attached ) I mailed a letter to Transunion, disputing several accts that had erroneous information on them, which subsequently are damaging my Credit Score & in direct violation of the Fair Credit Reporting Act. Transunion received this letter on XX/XX/22. There was no response so I sent an additional letter on XX/XX/22. Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is in direct violation of the FCRA : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX I have given Transunion more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They REPEATEDLY refuse to do so. They have not even responded. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed 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 non-monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Mortgage payments include money held in ESCROW to pay Home Owners insurance, Real Estate ( Property ) Taxes, School Taxes , County and Local Taxes. Over the past several months, when taxes are due to be paid, Citizens Bank transmits the various payments through a second and third party to the respective government Tax Agency. 
Within this process, the PIN ( Property Identification Number ) becomes changed or altered when it reaches the respective Tax Agency. When the various Tax Agencies are unable to identify which property to apply the funds against, they return the tax payments to Citizens Bank.

Citizens Bank refunds the " TAX REFUND '' as a credit to the mortgage Escrow Account from which it was drawn. NO FURTHER ACTION BY CITIZENS TAKES PLACE. When I receive the next months Statement, I immediately call Citizens Tax Department in XXXX, Tx and might actually speak to a live person. To those employees with whom I have spoken, They seem to feel they have paid the taxes and ask if I want the refund. They don't try to correct any issues or determine why they get a refund. In XXXXXXXX XXXX, the statement shows a " Refund of {$110.00} ''. A City Tax payment was made in XX/XX/2022 for the same amount. In XX/XX/2022, the County Tax was posted for {$970.00} and returned in XXXX to Citizens because the PIN did not match my property PIN. When I called the Citizens Tax Office, the woman I spoke with asked for my PIN. She said their records were different and that's why the taxes were returned. She corrected the PIN but did not resubmit the taxes to be paid again. In the Citizens mind, they paid my taxes. When in actuality they placed me in " PENALTY '' phase and if not corrected and paID BY XX/XX/XXXX, my HOME WOULD BE SENT TO A tax sale.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 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: MI

Complaint narrative:
For the last 6 months transunion has been raising and lowering my score every week most of time will go up XXXX point then down XXXX to XXXX no reason for this have never missed payment. Also received another credit card and score goes down not up never used card. 
I have xalked then they give me a runaround please help this my score should be over XXXX instead getting closer to XXXX again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX fraudulently said I adjusted the settings for my notifications. That is a blatant lie. I never adjusted the settings. I attempted to set up auto pay in XXXX, and they adjusted the settings for whatever reason. They are XXXX XXXX lying if they say I adjusted the settings. The fact is that they adjusted the settings when I attempted to set up auto pay, and then failed to tell me that the auto pay was not put in place properly. Only after receiving a late payment notice did I realize auto pay was not set up properly. I never received any notification that there was a problem. Proof of their mistake is I set up auto pay again in XXXX after making the late payment they caused, and I still have yet to receive an email that I set auto pay. 

They changed my settings, and failed to notify me of the changes.

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 2022-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I called the banks to inform that the credit inquiries were identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I called the banks to inform that the credit inquiries were 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 explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: MO

Complaint narrative:
Upstart loan company stated a payoff amount of {$5900.00} and the monthly payment was due on XX/XX/2022. They received payment in full as of XX/XX/2022 but are claiming that the loan was accruing " interest '' and I that I still owe them {$49.00}. 
I paid the amount as of XX/XX/2022 as they assured me there was no other way to get rid of this " interest owed '' They did forward the account to a 3rd party agency in XXXX of 2022. 
I want to report this company due to unethical and predatory practices. 
If a loan payment is due on XX/XX/XXXX ( and they also have a 15 day grace period ) and is paid in full 4 days early- then how is interest still accruing. 
I made XXXX payments to this company at 21.88 % interest rate, paying XXXX in interest alone. {$850.00} of my payments went toward my principal in that 13 months. 
This is very predatory. I paid the loan in full including the {$49.00}, but ask that this company be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Hello. Hello I am currently in XXXX and I'm unable to access my two Capital One credit cards. 
When I log in they require extra verification which they say they will send via text or call to my phone. 
My phone does not enable me to receive texts or calls in XXXX. 
l have been a Capital One customer for many years and have never before had problems accessing my account from outside the United States. 
I used my girlfriend 's XXXX number and called customer service and they told me that they could not verify me any other way than by sending a text or call to my phone! 
They even told me that Capital One accounts are really just for the XXXX. 
I was unable to locate an email address for them but finally found them on XXXX. 
The XXXX representative told me that they could not verify me any other way than by my phone. 
I told them that I have no problems accessing my XXXX and XXXX accounts both of which I have held for much less time than my Capital One account. 
In addition when I had the same issue with XXXX XXXX wanting to verify me by my phone I told them that XXXX solved the problem by setting me up with a third party verification app called VIP Access. 
I receive no response when I point this out or when I tell them of my experience with my phone call to customer service. 
This has been going on for about a week now and I am concerned about incurring late fees. 
I have the entire conversation with XXXX in case you need it. Of special concern is the fact that I am the one who initiates and continues the dialogue. They ignore any responses I make or input I give. Not sure if I am dealing with a person or a robot. 
Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Last night XX/XX/28 I did a withdrawel for {$1000.00} at the Wells Fargo bank at XXXX XXXX XXXX XXXXXXXX va. I also received {$420.00} and lost XXXX. I have contacted both banks many times and they are not willing to solve the issue. My account shows I took out 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 2022-11-29 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: AMERISAVE MORTGAGE CORPORATION
State: NY

Complaint narrative:
On Sunday XX/XX/2022 as I was rushing to an XXXX XXXXXXXX XXXX XXXX ID # XXXX of Amerisave Mortgage corp. 
XXXX XXXX charged my credit card with what I afterwards found out to be a nonrefundable application fee. 
I was not made aware that this was nonrefundable and I told XXXX XXXX I didn't have my reading glasses to see the email he sent me at the time, so he was aware of this being most of the transaction happened while I was driving on speakerphone. 
They assigned a XXXX to help me with the particular house I was trying to buy at XXXXXXXX XXXX XXXX XXXX XXXX XXXX When he wasn't able to get access to the house on XXXX afternoon like he told us he would, that's when we saw this house wasn't going to work out being it was much worse than anticipated. So I told them to cancel it all and we will try again after the holidays. Well that's when XXXX XXXX told me it was nonrefundable and I should have read it in the fine print. I told him I he knows I was driving and didn't have my glasses. It didn't matter, he got me I then called the Amerisave and spoke to XXXX XXXX who after explaining all this said she will forward it to XXXX XXXX and his XXXX XXXX XXXX who denied my refund request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have a deferred interest Wells Fargo Credit Card I used 18 months ago to purchase new windows for my house. I was very careful to make sure I paid off by the due date to avoid the large interest payment. All of the payments were done with autopay until a month before the last payment was due, I personally called and told the representative I wanted to pay off my card. I made it clear I wanted to pay it off early so there was no chance I would get the large penalty. She took my bank info and gave me a confirmation number that the payment was applied and when I asked, she assured me the card was at a XXXX balance and I had in fact paid off the balance to avoid the large interest payment. 

A month later, I get a statement telling me I owe nearly {$2000.00} in interest. I was shocked and called them right away. I spent 2 hours on the phone with various reps and supervisors. They told me that apparently the last payment didn't go through because there was a transposed or missing number in the bank account number. Although I was never contacted and told this! I reminded them that I had done auto pay for 17 months and Wells Fargo had no problem accessing my bank account for all of those payments! I told them the confirmation number I received when I made the last payment but I was told that this is not confirmation that the payment went through. They offered to reduce the interest fee by 75 %. Not acceptable 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 monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I was living in revival on XXXX I lived there for a year and a half. They gave me a XXXX day notice and said has long has I move out before the end of XX/XX/2018, I would only owe XXXX keep in mind they gave me a XXXX day notice XX/XX/XXXX. So I was gone on the XXXX. They have put outrageous charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I closed all my accounts with citizens bank, ( which are all under my personal name ), with the XXXX XXXX XXXX mgr, XXXX, back in XXXX.About a month ago I see a 30 day, {$20.00} fee late payment my credit report. After several calls, I got a rep who gave me a credit for the {$20.00}, and would sent the info to " credit dispute '' to look at and remove the negative report, and they would be in touch with me. Neither has happened. I keep trying to reach somebody in that department, and am always told they have no phone number. 
They are hurting my credit report for an inarticulate report of late payment, after the account was closed, and amount credited.They need to be sure of the situation before hurting my ability to borrow money, and should be able to be reached to quickly resolve problems! This is irresponsible of them

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 2022-11-29 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Subject : Suppression or delete Code DF Code 13 I would like to request by law the suppression or deletion of the following item : TD AUTO FINANCE. 

READ THE TD AUTO DOCUMENT, THEY ARE FRAUDULENT CHANGING THE NEGATIVE DATE FROM XX/XX/XXXX TO XXXX XXXX  TO EXTNED THE LOAN AND ADD MORE INTEREST. THE SIGNATURES DONT MATCH. 

Reasons : Negative date goes from XXXX XXXX to XXXX XXXX  Balance increase every dispute Balance is stated different on the credit report than TD Auto Finance Statement The final payment [ contract end date ] being due XX/XX/XXXX. Interest should stop by law on the final contract date. 

Debts such as credit card debt, auto loans, and medical debt have a statute of limitations of four years in the state of Georgia. Which mean interest is not allow to be added after final contract date. 

Write-Off Meaning A write-off removes an asset or liability from a companys financial statements. Assets are written off when they become obsolete. Lost inventory, unpaid debt obligation, bad debts, and unpaid receivables are also written off.Which mean TD Auto Finance is Fraudulent writing off and reporting incorrect data to the credit bureau and the IRS on every dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out SEVERAL times and they will not update my personal information to report correctly, and I have a couple hard inquiries that need to be removed as I did not authorize these. They will not even discuss my credit report or my information with me. Very unprofessional as to why I will be seeking legal action if these items below are not corrected in a VERY TIMELY manner. Per the legal advice my name needs to appear as it does on my ID XXXX XXXX XXXX any and ALL other names need such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to be removed. My address needs to be updated to XXXX XXXX XXXX XXXX, Ga XXXX Remove XXXX XXXX XXXX XXXX Ga XXXX - never lived here Remove XXXX XXXX XXXX XXXX, Va XXXX - no XXXX XXXX - do not live here Remove XXXX XXXX XXXX XXXX Va XXXX- do no live here Remove XXXX XXXX XXXX XXXX XXXX XXXXXXXX Va XXXX- do not live here Remove employer XXXX - I do not work here Remove XXXX XXXX XXXX- I do not work here My employers is XXXX XXXX - UPDATE to reflect this employer These XXXX inquiries were NOT authorized and only XXXX ran my credit through them in XX/XX/XXXX - how these others got on here are beyond me as I only authorized XXXX credit run when I bought my car. I spoke with XXXX and they said they did not request these inquires as they knew only to try one bank. As NOBODY would shop around and allow this many hits on their score and credit report. I am beyond livid that this is on my report to begin with. If these items are not removed and or updated in a timely manner I will be getting a lawyer to look into this and will sue if i need too. This is affecting my credit rights, consumer rights and withholding me from providing for me and my children. CORRECT THIS NOW!!! 

REMOVE THE FOLLOWING : You DO NOT have consents or signature for these inquiries. 
XXXX XXXX dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXXXXXX XXXX  XXXX dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX Dealer dated XX/XX/XXXX XXXX XXXXXXXX XXXX  dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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