vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2021 we were in the market for a new dog, and wanted to purchase a XXXX XXXX, I found this website called XXXX. It looked to be legitimate and we reached out to them regarding one of the puppies, the gentleman responded by email and also sent me a text message. We had correspondence back and forth and he offered us a deal on two puppies, we asked him for more pictures of the two puppies we were interested in, which he emailed to me. After some discussion we decided to to go ahead and purchase the two puppies. It was agreed that we would pay him {$1100.00} for the two puppies and he would ship them from XXXX to XXXX XXXX on Sunday ; he would be in touch with the shipping information once he had everything in place. He even called me on the phone and talked to me in person. I went ahead and made the payment via Venmo. All seemed to be in place. On Sunday, our son copied and pasted the website into the computer just to double check as we had not herd anything about the shipping of our puppies yet, so we wanted to double check for legitimacy and reviews. This is when we found that this site was in fact a scam and we had been scammed. 
We were to have two XXXX XXXX XXXX  puppies delivered to us on Sunday, XX/XX/2021 by XXXX. On Sunday this individual finally contacted us telling us he was making arrangements and the shipping company would be in touch. At XXXX XXXX. we did get a message from a bogus shipping company XXXX XXXX XXXX XXXX claiming the puppies would be on their way. At XXXX XXXX. we received another message from this fake shipping company informing me that my puppies were now in XXXX, Virginia and in order to get them from there to my home I would need to pay another {$950.00} for XXXX XXXX, which was never mentioned in the original deal we made with the individual from XXXX. We of course did not do this, we had looked up the name of the shipping company and found it to also not be a legitimate company. After that we did not receive any more contact from either the individual selling the puppies or the shipping company. 
I did contact the merchant/individual on XX/XX/2021 and requested my money be returned as I had not received the puppies and did not receive nor have I received any response from him. 
I reached out to VENMO to try and get the transaction stopped and was told there was nothing they could do. I then contact the Card Services for my credit/debit card that I used and after they did an investigation was also told there was nothing they would do either. 
I have copies of all the text messages and emails if you need them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
An American Express account was opened and placed on my credit report. Upon noticing it months later I contacted American Express for verification of the account. I have 2 other American Express accounts and was not sure if they opened it or if I did. I formally requested verification and disputed the account and transactions. American Express reversed the charges and stated it was fraudulent. They closed the account and everything seemed fine. 45 days later the account was reopened and the charges came back. Again, I contacted American Express for better understanding. They did not again verify the account was mine and continued to report it on my credit report. Soon after it turned 30, then 60. now 90 days later which is damaging my credit score. I then requested verification and disputed the charges again. They closed out my other 2 American Express accounts and provide little to no information. They are willfully damaging my credit and closed out accounts. Currently they have not validated this account and refuse to do so. This is a willful neglect and requires more assistance. My rights are being violated and the stress and financial damage they are causing has become unbearable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TX

Complaint narrative:
I recently filed a complaint with CFPB about my name being incorrect and false accounts on my credit report. My complaint was labeled resolved but I noticed a few issues still unresolved. The 3 bureaus asked me to mail out a copy of my id and lease agreement in a attempt to pertrey a resolution attempt. My issues is I have mailed the request 3 times. It's also a XXXX charge off on my account for a car that was never in my position it was in my ex-girlfriend 's name XXXX XXXX. XXXX placed this vehicle on my account after resaling it and without giving me a change to take over the vehicle. The XXXX was never in my possession or never was I given a chance to take ownership but it's reported on my credit as if I had it. The car was quickly resold without letting me know and as I stated before I never had ownership. After my first complaint XXXX  still continue to have a incorrect name on 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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: LA

Complaint narrative:
I contacted AmeriSave Mortgage at the beginning of XXXX. I was provided with several different loan disclosures for different interest rates, included in the disclosures were costs for a Title company XXXX XX/XX/20 XXXX XXXX. I chose to shop around in order to lower the Title costs and contacted a local title company I used 2 years ago, I completed this process within 5 days of initial disclosure, the loan originator assured me verbally, and through a text message that my local title company would be used. A month later, this has not happened. Additionally, I was sent wire instructions for closing : very clearly across the top the state of Louisiana is NOT included. I immediately attempted to contact the mortgage originator and the loan processor ; I don't believe XX/XX/20 XXXX is even licensed to do business in my state. I received no answer. 

AmeriSave Mortgage also locked my rate without notifying me first, and it turns out that the disclosures I received initially had far less cost for points to buy down the rate than where they locked the rate. I am now looking at costs to close that are 5 times HIGHER than where I started. 

I believe this company is a complete scam. There is no way to contact customer service or to speak to anyone in management. I want to cancel this refinance and will contact the Louisiana Office of Financial Institutions to lodge a complaint and a housing counselor to make sure I can back out. Please warn other consumers about this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I requested a method of verification from Transunion on an account, I have documentation that the credit bureau received this request on XX/XX/XXXX, for which they did not respond. On XX/XX/XXXX I sent them a letter requesting removal of this account as they did not respond as per the guidelines of the FTC.I then sent another letter requesting removal on XX/XX/XXXX for which I show to be still in transit as of date. In reviewing my credit report, I noticed that TransUnion uses a third party to verify public information so on XX/XX/XXXX I also sent a letter to XXXX XXXX requesting a method of verification of the account ( s ) in question. I received verification that XXXX XXXX  received this request on XX/XX/XXXX. Finally on XX/XX/XXXX I received documentation from Transunion dated XX/XX/XXXX stating they verified the account ( s ) to be accurate. On XX/XX/XXXX I called and spoke with supervisor XXXX XXXX stating that I was in receipt of their documentation, however ; it did not provide the method of verification as requested. He stated to me that the account ( s ) were verified through a third party called XXXX XXXX and its not verified through a live person but a general computer and advised me to call XXXX XXXX. I called and spoke with XXXX ID # XXXX @ XXXX XXXX who verified one of the accounts in question and stated they did not verify the other account as they have no record of that account no where in their database. Stated they will contact the credit bureau and have them delete the account and send me documentation showing they had no record of this account. I received the information from XXXX and set this with a letter to delete the account to the credit bureau on XX/XX/XXXX. The Bureau received this documentation on XX/XX/XXXX. I then received letter from the Bureau on XX/XX/XXXX stating this account was verified as accurate. However, I dod not believe they even viewed the documentation as per their third party vendor for whom they said verified this account, states they did notverify this as they have no record.

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 2021-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I paid off my balance on XX/XX/2021 but they refuse to make my credit available after contacting them several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You. 

ACCOUNTS XXXX XXXX XXXX never late COLLECTIONS 01 XXXX XXXX  XXXX {$160.00} not mine 09 XXXX XXXX XXXX XXXX {$3500.00} not mine 10 XXXX XXXX XXXX  XXXX {$1300.00} not mine 12 XXXX XXXX XXXX {$2500.00} not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX anauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized PUBLIC FILINGS BANKRUPTCY : CH-XXXX  XXXX not mine

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 2021-03-03 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I previously complained to the CFPB about this issue ( XXXX ) and the company has yet to contact me and they closed my complaint not researching or answering my questions. 
You commented on the additional XXXX but thats not the issue. The issue is that XXXX said the agreement was not honored as your company did not send over all the funds. Which is why I sent over a copy of the invoice that they gave me showing they only received {$50.00}. I did not end up taking this car due to the confusion with your company and theirs. Therefore I want the entire balance cleared on this card, {$190.00}. Which is the amount I paid ( supposedly paid your company ) for the car and the insurance which I didnt get or use because they said your Insurance was invalid, and the car was not paid for. Since you've taken so long to respond the bill is now due so I will pay the minimum to avoid credit issues, but this card was paid in full before this transaction, so I do expect a refund and all the interest removed as well. I will not stop complaining to the CFPB or any other agency until you make this right. I will no longer use this card or XXXX for this 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 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I have a debt filed by National Credit Systems for XXXX reported XX/XX/2020. In regards to technicality, a formal letter was never received notifying me of the inaccurate collections before it was put on my report by the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have Been having some issues with someone accessing my credit file and I would like to request a credit freeze/block all access to my file and contact me at my phone XXXX XXXX XXXX or email me at XXXX I need a PIN for all my credit reports ASAP.

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 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My initial chargeback claim with Bank of America for items not recieved was denied due to a bank error, 4 months after provisional credit was issued. The sudden unexpected reversal of the provisional credit caused myself and my family an undue hardship. I contacted Bank of America 's dispute claims department and requested for a new claim to be filed since the initial claim was filed under the wrong classification. I had already contacted the merchant who was in full cooperation and ready to comply with the chargeback. I was transferred to a supervisor in the dispute claims department named " XXXX '' he declined to tell me his last name. This supervisor XXXX flat out refused to open a new claim for me, he instead told me that I had to wait for my initial claim to be " reconsidered ''. I submitted all evidentiary paperwork in advance, the claim was a cut and dry easy resolution but XXXX flat out refused to process it for me in a timely manner despite my explanation of my temporary hardship situation. He basically told me that he would get around to it whenever he felt like it. I was apalled by his rude and blatant disregard towards me. This supervisor XXXX has literally deliberately refused to process my claim for no other reason but because he can. The merchant is waiting to hear from BofA so this matter can be resolved, its been two weeks now and we are still waiting unecessarily because of a rude and childish supervisor who flat out refuses to do his job for certain customers whom he deems to be " less worthy ''. This supervisor XXXX 's attitude towards me was callous, highly unprofessional and outright disrespectful. Every other employee with BofA that Ive spoken to has been wonderful, polite and helpful. XXXX insisted that they were all misinformed that he alone was the final word. Im shocked that BofA would tolerate that kind of tyrannical behavior from their supervisors, not only towards their fellow employees, but towards clients as well.

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 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
i was involved in identity theft which was identity was used this information was placed on my credit report which is false i i request this information be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I have contacted Lanier collection agency concerning several medical bills they claim belong to me. I have requested debt verification on several occasions and they were unable to verify the debt. I would like them to stop reporting false information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I have Been having some issues with someone accessing my credit file and I would like to request a credit freeze/block all access to my file and contact me at my phone XXXX XXXX XXXX or email me at XXXX I need a PIN for all my credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TX

Complaint narrative:
I recently filed a complaint with CFPB about my name being incorrect and false accounts on my credit report. My complaint was labeled resolved but I noticed a few issues still unresolved. The 3 bureaus asked me to mail out a copy of my id and lease agreement in a attempt to pertrey a resolution attempt. My issues is I have mailed the request 3 times. It's also a XXXX charge off on my account for a car that was never in my position it was in my ex-girlfriend 's name XXXX XXXX. XXXX placed this vehicle on my account after resaling it and without giving me a change to take over the vehicle. The XXXX was never in my possession or never was I given a chance to take ownership but it's reported on my credit as if I had it. The car was quickly resold without letting me know and as I stated before I never had ownership. After my first complaint XXXX still continue to have a incorrect name on 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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
XXXX XXXX we secured a mortgage loan with New American Funding XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX XXXX XXXX. We set up auto pay and have never missed a payment. 

They requested that we get Flood Insurance through FEMA which we secured immediately. XXXX # XXXX. This policy has been renewed every XXXX since inception without delay. Our current policy term is XX/XX/XXXX thorugh XX/XX/XXXX. 
On XX/XX/XXXX we received a letter from the above mentioned lender that we were late on our XXXX payment and must pay immediately. ( Letter attached ). I called them immediately after checking our bank account and it showed as always the payments for XXXX and XXXX were withdrawn as scheduled. Trying to get ahold of them too three and a half hours. They said that we only paid partial payment. This was rediculous. Three different people told us different stories for why our payment after 9 and a half years had changed. One person said that it was an escrow account to collect FEMA Flood Insurance. When I said we pay that directly it took another 30 minutes for someone to come back and say that it was actually escrow for property taxes. I said that is bogus because we pay our taxes directly and they can see that they are paid to date. Then I waited another 20 minutes on hold for their Insurance Department. They could not give us a clear answer for why our payment is showing late and that the payment changed. 
Because we feared they would send a notice to the Credit Bureaus that our mortage was late we had to actually pay double payments and late fees. So our account is now over paid for XXXX and XXXX by {$3600.00} ( Payment attached ). 

We have zero control over this as they could not give us an answer other than pay it or they would report to credit bureau on XX/XX/XXXX or XXXX. 

Please help us to clear this up as they are not helping us at all. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation