vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal had an inactive account in my name with an old bank account, my account marked as suspicious activity and I was unable to login and verify what was going on until I could reactivate an email address that this was associated with! 
However, allowed purchases from XXXX during a worldwide pandemic With multiple purchases made on the same day from - Completed XX/XX/2020 XXXX - XXXX XXXX XXXX XXXX  XXXX ( XXXX ) - negative {$47.00} XX/XX/2020Retail Payment Track Shipment XXXX - XXXX XXXX XXXX XXXX   XXXX ( XXXX ) - negative {$47.00} XX/XX/2020Retail Payment Track Shipment Loading transaction details for XXXX - XXXX XXXX XXXX XXXX XXXX ( XXXX ) - negative {$47.00} XX/XX/2020Retail Payment Track Shipment XXXX  - XXXX XXXX XXXX ( XXXX  ) - negative {$44.00} XX/XX/2020Retail Payment Track Shipment XXXX - XXXX XXXX   XXXX ( XXXX  ) - negative {$44.00} XX/XX/2020Retail Payment Track Shipment Loading transaction details for XXXX - XXXX   XXXX XXXX ( XXXX ) - negative {$44.00} XX/XX/2020Retail Payment Track Shipment XXXX  - ( XXXX ) - negative {$26.00} XX/XX/2020  Payment Track Shipment XXXX - ( XXXX ) - negative {$26.00} XX/XX/2020 Payment Track Shipment Loading transaction details for XXXX - ( XXXX ) - negative {$26.00} XX/XX/2020 Payment Track Shipment XXXX - ( XXXX ) - negative {$18.00} XX/XX/2020Retail Payment XXXX - ( XXXX  ) Since XXXX I have tried everything to resolve this with PayPal, however their stance is this is Normal for my account. 

Its absolutely theft and deception. They do not have anyone to contact in the USA as they do not have a phone center in operation. 

They continue to have me write letters just to decline my claim that purchases from XXXX from a closed account are normal? 

This has got to stop! This is abuse of power!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

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 2020-06-11 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: CA

Complaint narrative:
I AM WRITING THIS COMPLAIN WITH XXXX   AND TRANSUNION, I HAVE TRIED SEVERAL TIMES TO REACH OUT TO THEM SENT THEM ALL NECESSARY DOCUMENTS, AND XXXX   TRANSUNION REFUSE TO REMOVE THE ACCOUNTS FROM MY CREDIT REPORT, I HAVE SUBMITTED MY FTC IDENTITY THEFT REPORT, THEY HAVE NO PROOF OR SIGNATURES THAT THESE ACCOUNTS BELONG TO ME, I AM A VICTIM OF IDENTITY THEFT, THEY BOTH ADVISED THAT THEY DO NOT COMPLY WITH FEDERAL REGULATION SECTION 605B IN THE FCRA. THEY STATED THEY HAVE THEIR OWN RULES AND PROCEDURES AND THEY DO NOT COMPLY WITH FEDERAL RULES AND REGULATIONS. SUBMITTING ACCURACY WITH NO VIABLE EVIDENCE DOES NOT CONSTITUTE THAT I AM THE OWNER OF THE ACCOUNT. I HAVE TRIED SEVERAL TIMES REACHING OUT TO THEM AND THE CREDITORS WHO ARE XXXX AND XXXX XXXX. I AM SICK AND TIRED OF REACHING OUT TO THEM AND BEING THROWN AND TRANSFERRED FROM ONE DEPARTMENT TO ANOTHER WITH NO FINAL RESOLUTION. I AM SO FUROUS AND FRUSTRATED AND DO NOT WISH TO DEAL WITH THEM ANYMORE, ITS ENOUGH TO SAY THAT THEY DONT COMPLY WITH FEDERAL RULES AND REGULATIONS THEY ONLY COMPLY WITH THEIR COMPANIES RULE AND PROCEDURES, AND I EXPLAINED TO THEM BEFORE YOUR COMPANIES RULES AND PROCEDURES YOU MUST COMPLY WITH THE FEDERAL RULES AND PROCEDURES. THIS IS HORRIFIC CUSTOMER SERVICE.

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 2020-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
I have tried repeatedly to have them take a medical bill for ambulatory services taken off of my credit report that I should not have been billed for per XXXX XXXX XXXX XXXX and they still refuse to delete the debt from my credit report which has damaged my credit score and caused me to be denied credit. They received the same information from XXXX XXXX and XXXX XXXX and they still refuse to delete it. Every time I call them they are very rude and will not even try to listen to what I am saying. The insurance information was given to them several times before they even reported it on my credit report and a claim still was not filed correctly and they were notified by XXXX XXXX XXXX XXXX in regards to the matter.

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 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am trying to link my PNC account with XXXX XXXX and PNC is forbidding me from transmitting my funds to this financial service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I followed all of the rules with Citibank 's Thank You Rewards program and earned XXXX points - a cash value of over {$1100.00}. I switched my card to a different program, and Citi allegedly made it clear to me that I had 60 days to use my points. This started on or about XX/XX/2019 - right at the beginning of Covid epidemic. I was not able to use the points in time because I was not able to reach anyone at a Citi call center to figure out how to use the points. And now Citi is saying they are going to write off the liability to me and not let me have my points and add this money they " stole '' from me to their earnings. They very intentionally count on people like me NOT being able to use their points and are very happy to steal this money from 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 2020-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Summary : Associated Bank will not honor their cashback reward offer for a purchase made prior to offer expiration if the transaction was not processed until after the offer expired. 

Detail : Associated Bank offers a Cashback Perks program for certain purchases made from an Associated checking/debit account. There was a cashback offer for XXXX brand mattresses for 10 % cashback, good through XX/XX/XXXX. I made an online purchase from XXXX at XXXX XXXX  XX/XX/XXXX ( CDT ) using my Associated Bank debit card. The confirmation email is attached ; it lists the purchase date/time as XXXX XXXX   XX/XX/XXXX ( EDT ). This falls within the offer period listed on Associated Bank 's website ( offer description attached ). 

The transaction was either processed XX/XX/XXXX ( date it shows up in my bank record ) or XX/XX/XXXX ( date given to me in conversations with Associated Bank ). These dates fall after expiration of the cashback offer. The bank has refused to honor the offer because the transaction was processed after the offer expiration, even though the purchase was made during the offer period. This is apparently policy and not subject to review of actual purchase date. 

I think this practice is questionable for several reasons : 1 ) The plain reading of the posted expiration date is that purchases made on or before that date are eligible for cashback rewards. 2 ) It is common for transactions to take several days to process, especially on the weekend, so it's likely that many purchases that consumers make within the reward offer periods are processed later and are not being honored. 3 ) The policy of using the transaction processing date rather than the purchase date is not spelled out on the bank 's public website ( as confirmed by an Associated Bank customer care representative - chat conversation attached ). 

In reviewing the fine print of the XXXX  offer, I realize that I may not actually be eligible for Associated Bank cashback because I used a coupon code on the website, although it is not entirely clear to me whether the " may not be combined '' condition applies to additional offers from XXXX, Associated Bank, or both. However, this condition was not the reason given for denying my claim ( see chat conversation ), and the reasons given related to offer expiration date seem invalid, constituting false advertising or at the least a deceptive business practice. This issue is likely to effect many people using this program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
My self XXXX and my wife moved from XXXX to XXXX in XXXX XXXX.before that we closed our bank account in XX/XX/2019 in BANK OF AMERICA.after from here my wife 's school ( XXXX UNIVERSITY ) gives her credit back that is {$1900.00} CAD, {$1900.00} CAD Total {$3800.00} CAD on Bank of america account , which Is already closed.XXXX  university processed the first refund on XX/XX/XXXX and the second on XX/XX/XXXX ( Moneris confirmation that the funds went through ( XXXX and XXXX ) .and bank of america is also saying that they don't received any money from anywhere from that closed bank account. 
Now both are saying that they don't have any money.Moneris is saying they sent and its went through and BOA is saying they don't received Any. 
So i need help in this case.i need my money back.

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 2020-06-11 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: CO

Complaint narrative:
Experian and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge in the amount of {$840.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was in an automobile accident and the accident was not my fault. The other driver was at fault and their insurance company, XXXX, covered all monetary responsibilities for the accident, including all of my medical bills. ( I have attached a copy of the police report for reference. ) The accounts referenced above should have been paid and therefore no outstanding balances are due. I was not aware there were medical collections until I obtained a most recent copy of my credit report. I never received any letters or any communication of any kind and  consequently I had no idea there were any outstanding bills associated with the automobile accident. Continuing to report a collection/chargeoff on my credit report is a violation of the Fair Debt Collection Practices Act. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these line items from my credit report however, I have not been successful.

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 2020-06-11 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX {$0.00} XXXX {$1200.00} XXXX {$0.00} XXXX {$1200.00} XXXX {$7300.00} XXXX {$54000.00} XXXX {$2000.00} XXXX {$1900.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$3300.00} XXXX {$580.00} XXXX {$2800.00} XXXX {$0.00} XXXX {$0.00} XXXX {$15000.00}

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 2020-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
I applied for a refinance with AmeriSave Mortgage. They offered me a 2.25 % 5 years arm on a VA loan. After submitting all the required paperwork, they increased the arm interest by a half point to 2.75 %. This is obviously a bait and switch. The only reason the company gave after 10 weeks is that the product is no longer offered. Checking the reviews online, it looks like AmeriSave has a history of bait and switch in its past and I guess they haven't changed their crooked practices. My advice to anyone considering a loan from AmeriSave Mortgage is to run the other way. No matter how good the loan sounds, they will just change the terms after about 3 months.

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 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
Its been over 7 years since XXXX is trying to charge me for equipments that I never had and an account that was base solely on fraud. There is a third party call EOS/CCA base in Massachusetts : www.eos-ca.com. My account # XXXX. 
Current creditor : US asset management inc. 
Original creditor : XXXX The whole thing was a scam base on nothing. I want these collectors to stop sending me to collection bureau every month. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CA

Complaint narrative:
I AM WRITING THIS COMPLAIN WITH EXPERIAN AND XXXX, I HAVE TRIED SEVERAL TIMES TO REACH OUT TO THEM SENT THEM ALL NECESSARY DOCUMENTS, AND EXPERIAN XXXX  REFUSE TO REMOVE THE ACCOUNTS FROM MY CREDIT REPORT, I HAVE SUBMITTED MY FTC IDENTITY THEFT REPORT, THEY HAVE NO PROOF OR SIGNATURES THAT THESE ACCOUNTS BELONG TO ME, I AM A VICTIM OF IDENTITY THEFT, THEY BOTH ADVISED THAT THEY DO NOT COMPLY WITH FEDERAL REGULATION SECTION 605B IN THE FCRA. THEY STATED THEY HAVE THEIR OWN RULES AND PROCEDURES AND THEY DO NOT COMPLY WITH FEDERAL RULES AND REGULATIONS. SUBMITTING ACCURACY WITH NO VIABLE EVIDENCE DOES NOT CONSTITUTE THAT I AM THE OWNER OF THE ACCOUNT. I HAVE TRIED SEVERAL TIMES REACHING OUT TO THEM AND THE CREDITORS WHO ARE XXXX AND XXXX XXXX. I AM SICK AND TIRED OF REACHING OUT TO THEM AND BEING THROWN AND TRANSFERRED FROM ONE DEPARTMENT TO ANOTHER WITH NO FINAL RESOLUTION. I AM SO FUROUS AND FRUSTRATED AND DO NOT WISH TO DEAL WITH THEM ANYMORE, ITS ENOUGH TO SAY THAT THEY DONT COMPLY WITH FEDERAL RULES AND REGULATIONS THEY ONLY COMPLY WITH THEIR COMPANIES RULE AND PROCEDURES, AND I EXPLAINED TO THEM BEFORE YOUR COMPANIES RULES AND PROCEDURES YOU MUST COMPLY WITH THE FEDERAL RULES AND PROCEDURES. THIS IS HORRIFIC CUSTOMER SERVICE.

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 2020-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: NH

Complaint narrative:
I had a loan for a XX/XX/XXXX XXXX XXXX that had multiple issues with the transmission. I had the car repaired multiple times under the recall that was issued. The car would automatically downshift into first gear when while traveling and often on the highway. This almost caused an accident more than once. The car was not safe to drive. 

I went to the XXXX XXXX XXXX dealership where they replaced the transmission twice, serviced it at least twice with computer updates and so on but the problem persisted. The service manager continuously fought with me about the car and kept refusing to fix it. He told me that the car had already been fixed and that the campaign was expired due to having 100k miles on it. I showed him the letter that XXXX sent to me and he still continued to argue with me. He made me call the XXXX hotline where he got into a heated argument with the woman on the phone who told him that the car was still covered and that they had to fix it. 

He begrudgingly ordered the parts and said that it would take 4-6 weeks to get them because I was now on the bottom of the waiting list. During that time I had a XX/XX/XXXX and was unable to drive. I called and explained that I was trying to work out a way to get the car to him. He gave my parts away to another customer and after trying to work with him I got no where. 

I tried to trade in the vehicle to another dealership ( XXXX XXXX ) and after them test driving it they said there was something seriously wrong with it and there was nothing they could do for me. 

I needed a safe vehicle to drive and since I couldn't get any where with anyone on this XXXX, I told the bank to come get it because I couldn't afford to pay for 2 vehicles. 

The car is still tied up in a class action lawsuit with XXXX XXXX.  However, the car is still damaging my credit and I need to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 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: CO

Complaint narrative:
XXXX and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge in the amount of {$840.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was in an automobile accident and the accident was not my fault. The other driver was at fault and their insurance company, XXXX, covered all monetary responsibilities for the accident, including all of my medical bills. ( I have attached a copy of the police report for reference. ) The accounts referenced above should have been paid and therefore no outstanding balances are due. I was not aware there were medical collections until I obtained a most recent copy of my credit report. I never received any letters or any communication of any kind and consequently I had no idea there were any outstanding bills associated with the automobile accident. Continuing to report a collection/chargeoff on my credit report is a violation of the Fair Debt Collection Practices Act. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these line items from my credit report however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX   XXXX/XXXX XXXX XXXX partial account number XXXX. XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge in the amount of {$840.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was in an automobile accident and the accident was not my fault. The other driver was at fault and their insurance company, XXXX, covered all monetary responsibilities for the accident, including all of my medical bills. ( I have attached a copy of the police report for reference. ) The accounts referenced above should have been paid and therefore no outstanding balances are due. I was not aware there were medical collections until I obtained a most recent copy of my credit report. I never received any letters or any communication of any kind and consequently I had no idea there were any outstanding bills associated with the automobile accident. Continuing to report a collection/chargeoff on my credit report is a violation of the Fair Debt Collection Practices Act. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these line items from my credit report however, I have not been successful.

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