vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Since XX/XX/XXXX, I have sent more than 20 emails to PayPal, but no one has ever given me a reasonable explanation, which is why I am appealing to CFPB for help. 
On XX/XX/XXXX, I purchased a product with a value of USD XXXX through PayPal ( I paid with MasterCard dual-currency credit card ), which was converted to CNY XXXX, the currency conversion rate is equivalent to XXXX. ( Please see Annex 1 ) But the currency conversion rate of the day I contacted my issuer was XXXX, so it should be XXXX CNY. So PayPal charged an additional me CNY XXXX, which is equivalent to USD XXXX. 
In the process of communication with PayPal customer service personnel, customer service representative XXXX XXXX informed that the reason was that PayPal would charge an additional 2.5 % currency conversion fee, which would be XXXX % = $ XXXXThis obviously is not true because it is inconsistent with the actual amount collected which was USD XXXX. ( Please see Annex 2. ) Another customer service rep, XXXX, said in the payment interface there would be an option to choose PayPal currency conversion rate or issuer currency conversion rate ( Please see Annex 3. ) But this option wasnt available ( Please see Annex 4. ) A PayPal representation, XXXX, explained that if you didn't manually change the exchange rate selection, PayPal would automatically choose its own exchange rate ( Currency conversion rate of XXXX ) .Because the exchange rate selection option wasnt available PayPal forces the customer to choose PayPal exchange rate instead of the customer 's own manual exchange rate ( Currency conversion rate  of XXXX ) choice. ( Please see Annex 5. ) Here 's more about the bill : XXXX Your PayPal accounts email XXXX XXXX Transaction ID : XXXX * XXXX * payment amount : XXXX CNY = {$1800.00} USD * email address the payment was sent to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
{$5000.00} Forgiveable Silent Loan. I was suppose to receive the {$5000.00} refund after living at this address for 10 years ( lived here since XX/XX/XXXX. ) I was instructed to pay off the silent loan so I could refinance with a different mortgage company. The balance of the Silent Loan was paid in full by me on XX/XX/XXXX. 

Original FHA loan was with XXXX. 
XXXX sold the loan to Midland Mortgage Company The remaining of the Silent loan was submitted to Midland on XX/XX/XXXX. XXXX later folded ( out of business ). I am unable to contact Midland Mortgage Company as I am not an active Mortgage holder with that company. 

I was informed by Consumer.gov/complaint that Midland is responsible for repaying me. 

Original loan date was XX/XX/XXXX with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
This is a follow up of my first complaint and BlueBird a Company owned by America Express haven't send me any papers to file a claim about my moneys

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've sent letters out certified over 60 days ago and have not been notified. as a consumer i feel like these predators are taking advantage of normal people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For the travel rewards credit card on my account, there was a single instance where payment was delayed by 30 days from the due date. This was for a total bill of {$130.00} and this was the first such delay in over 10 years of holding an account with BoFA ( or any other creditor ). 

The reason for the delay was due to 3 different reasons 1. My dad 's deteriorating health followed by his eventual passing in XXXX. This meant I had to spend a significant time out of the country tending to his health issues for well over a month 2. The lack of a clear and obvious way to set up autopay on any bank of america credit card. 

3. The lack of alerting that let customers like me know that a payment was due or close to being 30 days overdue. 

As a result of this, I was both penalized by BofA and a 30 day delay of payment was reported to my credit reporting agency. When I contacted BoFA and explained this situation inXX/XX/2020,  the customer service person both understood the issue and expressly assured that an exception would be made and that the ding on the credit report will be removed as a one time courtesy. 

In early XXXX, I was informed by a letter that the ding will NOT be removed. 

Since late XXXX, I've been trying to reach customer service without success because of extended wait times. 

Going through the traumatic experience of my dad 's passing has been strenuous enough. It's incredibly disappointing to see Bofa treat a long-term loyal preferred gold/platinum customer in this manner.

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 2020-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I receive collection notice from ARS ACCOUNT RESOLUTION in which i have never done business the original creditors is listed has ARS ACCOUNT RESOLUTION which i have never done business has well i receive a letter from XXXX XXXX XXXX, XXXX with copy of bill from ARS ACCOUNT RESOLUTION which does not validated a copy of bill does not substantiate debt

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 2020-06-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax 6 times in the last month and have sent them letters and disputed online. They fail to update XXXX XXXX union file - a repossession that has gone beyond the 7 year rule. THe other 2 Main Credit Bureaus have taken this off their file already. My last contact was XX/XX/2019 - I spoke with a Dispute Supervisor. She said that they do not have a record of my payments missed so she cant confirm the last reported delinquency date. Also I have a XXXX - XXXX bill that has been settled in full and Equifax refuses to update this information. What is the purpose of them keeping negative information on my file? Do they get paid more money? Can they send my file to companies who profit from loss? I do not understand. Both XXXX  and XXXX  have had no problem updating their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
They called my work several times after being told no to do so. I work in XXXX XXXX XXXX, those phone calls are not allowed. I was told to not have them call again or else.They called relatives and friends to find out my location. I have elderly parents who get 2 to 3 calls a week from them.The amount owed is double the loan amount according to them. During a call to they suggested legal action was going to be taken, such as a court case with my local magistrate. They also left messages on voice mails stating that I was a debtor. I received several calls on Sunday, throughout the day, and from non business related numbers. I have disputed the debt with credit agencies and through their website. I have never gotten any accounting statement of the amount of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have used a service called XXXX for months. It allows be to be able to borrow against myself for the day ( s ) that I work before I get my paycheck. PNC has had its own separate issues that security breaches, but that should not impose on my decision to sign up for a service that has essentially aided me in being able to take care of emergency services when I low on cash. I should be able to link my personal credentials confidently and securely on my own terms. So long as I can verify my account information and so on. Im considering leaving PNC Bank because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Risecredit, LLC
State: SC

Complaint narrative:
They called my work several times after being told no to do so. I work in XXXX XXXX XXXX, those phone calls are not allowed. I was told to not have them call again or else.They called relatives and friends to find out my location. I have elderly parents who get 2 to 3 calls a week from them.The amount owed is double the loan amount according to them. During a call to they suggested legal action was going to be taken, such as a court case with my local magistrate. They also left messages on voice mails stating that I was a debtor. I received several calls on Sunday, throughout the day, and from non business related numbers. I have disputed the debt with credit agencies and through their website. I have never gotten any accounting statement of the amount of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've sent letters out certified over 60 days ago and have not been notified. as a consumer i feel like these predators are taking advantage of normal people

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 2020-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
I received a collection letter on XX/XX/2020 from ERC, XXXX. XXXX   XXXX, XXXX  XXXX, XXXX, PA XXXX and mailing address ERC, XXXX. XXXX XXXX, XXXX, FL XXXX stating that I had an unpaid balance with XXXX XXXX XXXX XXXX in the amount of {$630.00}. The letter was dated XX/XX/2020. 

The letter included payment options, a payment stub, and return envelope. The account number listed is XXXX and reference number, XXXX. The letter states that " This serves as a notice to you the ERC has been authorized to report your delinquent account to the national credit bureaus when allowed by applicable law. '' The letter has my name and address, but I have never had an account with XXXX XXXX XXXX XXXX. I called the toll-free number XXXX on XX/XX/2020 at XXXX and talked with a representative to ask why I had received this. The rep asked me to verify my name and address and last four digits of my SSN. I told him that I would give my name and address because they were on the letter but not my SSN. He then said  that he would read to me the SSN that ERC has on file with this reference number and asked if I could verify. The numbers he shared were not mine and I told him so. He then said that I could disregard the letter because I was not this person. I asked what I needed to do next because my name and address are tied with this account and he told me again to just disregard. Because of this, I have now been placed in the position of questioning whether or not this account will be reported as mine with national credit bureaus and will have to monitor for some months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi 's mobile app and browser payment interfaces are designed to intimidate consumers into overpaying at each billing cycle. Terms are not consistently used across the different interfaces or in the official statement. The options presented for payment are " Minimum Due, '' " Statement '' ( also referred to as " Last Statement Balance '' or " New Balance '' ), and " Current Balance. '' In both payment interfaces there is no disclosure of the possible interest consequences of making only a Minimum payment as is mandated by the Credit CARD Act of 2009 for statements. Furthermore no clarification is given of what the different consequences are of the " Statement '' and " Current Balance '' options are. The only commentary provided for these terms are vague and intentionally intimidating warnings that these " may not pay your balance in full. '' The clear intention is to confuse the consumer into selecting " Current Balance '' which in the case of an account not presently carrying any interest, would be against the consumer 's financial best interests by making them loose the benefit of holding their money for a longer duration. 

When I contacted the Citi bank to clarify these definitions, they refused to provide any information due to security policy until I escalated the issue up through two different levels of supervisors. When I was finally allowed to speak with an agent about the question of what payment amount would be necessary to avoid the accrual of interest, they first told me that paying the " last statement '' was sufficient and then contradicted themselves to say that it was necessary to pay the " current balance. '' After this I had to get the intervention of a senior manager to actually get the agent to check their information and admit that they has misrepresented the amount needing to be paid. The amount they asked me for would have made me overpay by thousands of dollars. It remains to be seen if the agent was actually correct or not and if I will be charged interest despite what they said.

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 2020-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax credit report XXXX indicated they researched XXXX XXXX XXXX XXXX acct XXXX and verified the account belongs to me. I have never disputed the account belongs to me. I have disputed for years now that my credit information and account was disclosed in a privacy breach reported to my by the federal government and reported to state and federal authorities including the federal task force on identity theft. This information was conveyed to XXXX XXXX XXXX XXXX prior to and after I began disputing the fraudulent charges displayed on my credit card account. Even thought the account is mine, I identified for XXXX the fraudulent charges. XXXX failed in their obligation to conduct a timely, thorough investigation into the matter and as a result permanently and negligently impacted me, my family, my credit report. I repeatedly asked XXXX to produce their investigation and they refused, simply stating they concluded there was no fraud. The account was opened XX/XX/2015 and went fraudulent on/about XX/XX/2015. The account has been carried negatively for over 5 years on my credit report and has been disputed consistently. Throughout this time, XXXX has changed their story, refused to provide a hard copy of their alleged investigation, and stated they were not the appropriate organization in which to present my grievance..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2020,,, Cont,,, Issues With Wells Fargo Bank,, I Did Received Two Responses Back From Them,, One Letter Came From,, Wells Fargo,, With The Black,, Logo,,,, ( XXXXXXXX, Executive Office Case Specialist,, XXXX Complaints,, Second Letter Came From Same Company,, One Letter Dated XXXX, XXXX,, 2020,,, Other Letter Dated XX/XX/2020,, From,, Mrs XXXX,, Escalated Complaints Specialist,, Centralized Line Of Business Escalated Complaints,, And, About, XXXX, Today I Sent A Email To The Company, XX/XX/2020,, Due To The Covid19,, I Needed Some Emergency Assistance To Help Me With My Family ( Hardship ),,, They Did Not Response Yet,, My Bank Account Is Still In The Negative,, XXXX,, Why? And When You Go Line There Isn't Anything About Emergency Assitance It Not Offer To Me As A Loyal Customer?,

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 2020-06-14 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: GA

Complaint narrative:
There is a financial account on my credit I know is a mistake. It is from a company called XXXX XXXX. After doing a search for it on online, it appears to be an insurance company. I have never heard of them before. This account is not mine and I would like it removed 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 2020-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
While I was questioning the hold put on my account, M & T Bank, XXXX New York closed my account. They were, at my request researching a missing deposit in the amount of {$4700.00}. They just dropped anything they were doing and closed my account, the notice that they were closing said it would close on XX/XX/15 which would allow me time to receive my social security check which is deposited into the account, instead they closed it on XXXX. Lost to me is my social security check and a deposit of {$4700.00}. I can not afford an attorney to help me re-open this matter. They just said the account was closed, no explanation. Can you help me? 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
this account was never late. Chrysler has already updatte the credit reporting agency. XXXX is the only one that did not update correctly.

Company response to consumer: Closed with non-monetary relief