vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX I filled in a form online with Amerisave Mortagage in XXXX KY to refinance an existing home mortgage. A Loan Originator by name of XXXX XXXX immediately called me via phone and said he could get me a conventional mortgage at 2.3 % fixed for 30 years ( refinance ) He had me Esign the loan papers on line ( I thought he was honest ). Then the next day he peppered me with emails, phone messages wanting my bank statements, social security award letters, present mortgage statments, etc, which I uploaded and sent. He claimed he never got them and that the ones he did get were not what he requested ( this is a lie ) He claimed my homeowner 's insurance company did not sent a loss payee clause ( which they did, twice ) He said the loan was " approve '' and " all set ''.

I was a little leery about this, he had my credit card info, I checked with my Bank and he had attempted to charge my credit card {$520.00} for a non specific charge. I called him and cancelled the loan. I just read where they were fined in XXXX for the " bait and switch '' scam. i don't think they should be in business

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 2021-02-14 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: Byrider Franchising, LLC
State: WV

Complaint narrative:
On XX/XX/2021, I contacted CNAC about a vehicle loan with them. I had informed my account manager that I would be voluntarily surrendering the vehicle back to them, because I was unable to pay for the vehicle any longer. She took information down about when I would return it and other issues with the vehicle. I received an email from credit karma that a hard inquiry had hit my account, upon logging in and reviewing, I noticed that CNAC had ran my credit without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America does not allow a business credit card to set up autopay to pay their statement balance on their due date. The process is purposely set up to be cumbersome and confusing in order for a business owner to be late on their payment, incurring fees and interest. 

BofA should allow any business credit card user to have the same ability as someone with a personal credit card - be able to set up autopay to pay their statement balance on its due date.

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 2021-02-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i'm having a hard time getting my disputes processed with the credit bureaus and updating my current address.

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 2021-02-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I filed and waited nearly 6 months to get my unemployment and then when I did it was detect deposited into my pay pal account where after it was deposited I was able to use some funds to get caught up on bills and back debts due to covid 19 then pay pal froze my account for 180 days for what they say suspicious activity ive sent them all documents needed ive called them they never asked me to verify my transactions or told me what suspicious activity just froze my funds I need that money ive got family to support and with the covid everyone needs whatever help the can get I don't feel that pay pal is doing things according to the law and shutting someone off and freezing there funds in times of need for no reason isn't very justified or legal my next step after this is Congress and legal council and im gon na be taking pay pal to court woth a law suit if this doesn't resolve the issue thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
On XXXX, I called LCA Collection Agency and notified them that my bill have not been paid by secondary insurance company and that I have filed a complaint with the XXXXeorgia Insurance Commission because I was having problems with getting XXXX XXXX to process this claim along with 7 other bills they stated no problem. Once I get a response to payment let them know. I received an email from the Insurance Commission of Georgia stating the claim have to be filed in the State of Florida and the claim has been forwarded to that state for process. I notified LCA with an update, On XXXX. LCA put the bill on my credit report. I have reached out to the Supervisor at LCA but I had to leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Despite my three written requests, the unverified items still remain on my credit report in violation of Federal law. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. You have yet to provide me with any original consumer transaction documentation with my signature on it.

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 2021-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit card was charge for {$1900.00} for case # XXXX. The company " regus '' charge my card but did not provide the services they advertised and offered and has fraudulently misrepresented their billing and is incorrectly charging my for services they did not deliver. 

I provided Capital One with proof of this and they refuse to handle the claim correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I didn't authorized these inquiries on my credit profile. I reached out to the companies, they had no info on file or paper work or proof that I requested my credit report being ran for credit with their company. 

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 2021-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of XXXX an item was purchased from Home Depot on the Citibank Home Depot Card for approx {$2700.00}. The product breached warranty and XX/XX/XXXX, Home Depot picked up product from my home, without the ability to replace the faulty item and refunded the approx. {$2700.00}. Citibank never adjusted the interest based upon the significant return and balance adjustment. Citibank is still attempting to collect the interest on the old balance without adjusting for the credit of {$2700.00} to the account. I have brought this to their attention numerous times and they refuse to recalculate the interest charged since atleast the date of the return/credit to the account. In addition, my account reflect my payment is not due until XXXX XXXX, but charging a late fee and harassing me with with daily phone calls and shutting off my card, despite never being late on payments before this valid dispute and a payment having been made based upon the adjusted balance.

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 2021-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit card was charge for {$1900.00} for case # XXXX. The company " XXXX '' charge my card but did not provide the services they advertised and offered and has fraudulently misrepresented their billing and is incorrectly charging my for services they did not deliver. 

I provided Capital One with proof of this and they refuse to handle the claim correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
Despite my three written requests, the unverified items still remain on my credit report in violation of Federal law. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. You have yet to provide me with any original consumer transaction documentation with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
My XXXX account I believe was hacked due to the fact that i had not sent out any money on the app, I always use XXXX. The following dates are the dates that the transactions took place XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX. I know youre first question is Why had you not spotted this sooner? And to be honest, I check my checking account at the end of the month when i get my statement. Even after i took this up with my bank and XXXX XXXX told them my story and waited for a few weeks, they did absolutely nothing about it. This makes me extremely upset because in that one month i had lost {$7200.00}. And then telling me they cant do anything about it even though that is what theyre designed to do just makes this whole situation sickening. To conclude, I would like to give a huge thanks to The First Midwest Bank for doing absolutely nothing about fraudulent charges and will be most likely switching banks if this ever gets resolved due to the fact that they were unprofessional about this whole situation.

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 2021-02-15 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: IL

Complaint narrative:
Equifax is reporting a Bankruptcy that is not on the other credit bureaus and has not proven or validated with any paper work

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I disputed a charge on my account and I have not received my money back. They say it will take until XX/XX/XXXX. That is Absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: NJ

Complaint narrative:
Despite my three written requests, the unverified items still remain on my credit report in violation of Federal law. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. You have yet to provide me with any original consumer transaction documentation with my signature on it.

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 2021-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XXXX XX/XX/2019 I opened a checking account online, made initial deposit and on XXXX XX/XX/2019 received all the documents including a debit card. The same day around XXXX XXXX, I signed up for : - online banking -mobile deposit -online bill payment -online transfer from bank to bank -card-less ATM access Right before The first mobile deposit. Then I deposited three checks using mobile deposit. Out of the three checks two was my hard earned pay check and the third one was a rebate from my health insurance Company XXXX. All checks were legitimate and cleared by the issuers bank. But Wells-Fargo Bank within 12 hours of deposit ( at XXXX XXXX on XXXX XX/XX/2019 ), with out giving me an opportunity to prove the legitimacy of the checks, claimed counterfeit and decided to close the account on XXXX XX/XX/2019. Which blocks access to all banking features including deposits. I tried to reach out to all relevant departments of the Bank, but Ive got no resolution. Instead I was treated like a fraudster and told the same story that I deposited a fake check even though I provided proof for legitimacy of checks deposited. I have not lost any money or valuables in this process, but my constitutional rights were violated. I didnt proceed with legal action because I found no provable damage to my reputation. This doesnt assure me that the damages were not there unless the bank says so. when I find such damage before they act, we will be discussing in a different circumstances. Today I filled this complaint after my own research about the banks history not just to resolve my concerns. Also because I believed Wells-Fargo Bank have been engaged in a fraudulent activity. Data shows that success of a Bank is partially measured by : - 1 number of customers 2 number of online banking users ... etc. 
Its not a secret my account was closed right hours after I signed up for all of the services.

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 2021-02-15 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: TX

Complaint narrative:
I got a wrong debt collection in my Experian credit report, and Experian declined to fix this mistake. Can CFPB help to solve this issue? Below are the time line. 

1.Experion credit report wrongly showed 1 collection as below. However, I never had any interaction with the collection agency. This is a huge mistake somewhere. I checked 2 other credit bureaus, and they did not have this collection. 

2. I called the collection agency phone number twice. The collection agency tried to search my account in various ways ( including my social ), and can not locate any account information or collection about me. However this agency is not willing to render any written form of evidence. They just asked me to ask Experian to verify it.

3. I opened an online dispute over Experion.com. Experian has the wrong data, and Experian declined to fix this mistake and kept it's mistake.

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 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Army and Air Force Exchange Service
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is MILITARY STAR. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and XXXX XXXX. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: NY

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. Since it happened after I made a genuine transaction. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I checked my credit reports to ensure that there were no surprises prior to applying for credit to purchase a car ( I am a recent college graduate and will be starting a new job in a few weeks ). Appendices " A '' and " B '' show that as of XX/XX/XXXX, Source Receivables Management was not listed on my credit report and I had not received any documentation from them concerning the debt that they claim I owe to XXXX. On XX/XX/XXXX, I was alerted by my credit monitoring service that a new collection had just been added to my credit report. Upon my requesting my credit reports again, I discovered that Source Receivables Management was assigned this file ( Appendices " C '' and " D '' ) on XX/XX/XXXX, but I have never been contacted by them or given the opportunity to dispute the debt prior to it being reported to XXXX  ; XXXX  ; and XXXX, thereby damaging my credit history and score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: PA

Complaint narrative:
I initiated a dispute due to inaccurate and incomplete information reporting on my Transunion credit report for XXXX XXXX Account # XXXX on different occasions which did not provide any results. The account is missing most of its payment history. Transunion continues to report incomplete and inaccurate information regarding this account. It has been my understanding that the CRA must maintain complete and accurate information. The information related to this account is inaccurate. 

Maintaining inaccurate and incomplete information on my credit report after an investigation is a violation according the FCRA, Section 611. Transunion has not properly investigated my dispute. ( Sect 611 ) I filed a complaint with this entity under XXXX because Transunion would not help me fix the issue. The credit bureau, Transunion, issued an investigation result regarding my dispute on XX/XX/2021 File # XXXX. In their reply to the initial investigation, Transunion mentions aspects of the dispute process, but they have violated my rights on numerous occasions. 

Their investigation results stated that the information was " verified and updated ''. However, the same information ( payment history ) was omitted!! How is it possible that a creditor can report no payment history, except what is negative, and the credit bureau validate it as verified? The Transunion staff members whom I spoke with confirmed that the information was missing. At least one individual attempted to get me to investigate my own credit file dispute for them instead of helping me get correct information updated.

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