vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Last year, I made an online purchase for a battery powered XXXX nail XXXX. The charge amount was {$76.00} and it was placed on my XXXX XXXX XXXX XXXX XXXX XXXX. The company took quite a long time to send me a package. When they did finally send me a package, it was a pack of disposable face masks - NOT the nail XXXX. So I requested a refund from the company. They wouldn't agree to that, but said they would send me the original item. Because of how long it took disputed the charge with my credit card, and because this company was from out the country and I felt this was probably a scam, I would not agree to that. I just wanted a refund. So I disputed the charge with XXXX. Initially, XXXX 's negotiated a settlement with the company : they would let me keep the face masks and refund some of my money less {$15.00} for shipping. Then a second offer was made to me to refund my money less 10 % of the purchase price. I declined both. Why should I pay for this mistake? I just want my money refunded. All of it, not part of it. After I told this to XXXX, they kept my investigation file open and kept saying to call them back in XXXX weeks. I did this several times. At one point, they even closed my file but didn't tell me about it! So they reopened it in XX/XX/XXXX, and asked me to send them a picture of the wrong item XXXX the face masks XXXX. So I did that by fax. I kept following up with XXXX after that, asking for a status on my dispute, and questioning if they received my fax. and they kept saying, call back in XXXX weeks. So I would call back and get the same instructions. Finally, in XX/XX/XXXX I asked for a supervisor. The supervisor called me back XXXX weeks later and said it had been too long and they closed my file! This is not right. XXXX is responsible for not following up with ME. I received no letters or phone calls from them, just " call back in XXXX weeks '' whenever " I '' called THEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has been sending me collection notices for XXXX different accounts in the amounts of XXXX, XXXX, & XXXX. These collections has been reported as past due balance. I do not know this company. I have never done any business with this company. I have sent several debt validation letters to this company and requested a contract with my wet signature on it to be sent to me to me and they have failed to do so every time. The accounts were removed from my credit report on XX/XX/XXXX then re-added several days later without any notice to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2020, I placed an order with Macy 's, first online then ( I thought ) a correction order by phone. I was trying to place the Macy 's order using XXXX to get cash back because it was a large order. The Macy 's representative told me it was too late to cancel the first order, so I was to let it come in and then return the first items ordered to Macy 's. The order by phone did not net me the XXXX cash back either when I checked, so I decided to return both orders. I was told to let everything come in, then return to the orders. I RETURNED EVERY SINGLE ITEM I RECEIVED -- EVERYTHING!!! Macy 's insisted I still owed them monies. I returned every item and should have been credited what I was charged at the time of the order. Macy 's is continually charging me late fees from {$29.00} to now {$40.00} and reporting late pays on my credit report, even in the face of my monthly rebutting the charges and asking for investigations. All charges were supposed to stop until the investigation was completed -- nothing stopped! My problem is I've been calling Macy 's since XX/XX/2020 to get this issue clarified and cleared up. They refuse to let me speak with a supervisor. No one can tell me why I owe them monies. Macy 's has reduced my credit limit, essentially ruining my credit, which I work very hard to keep clear. I believe Macy 's overcharged me but didn't give me full credit on my returns. No item was opened or broken, I should have gotten full credit for all my returns. Why should I owe Macy 's money when I returned each item in non-opened condition and timely as well? Can you please help me? My credit is being ruined systematically. My receipts are in my photos and email, not sure how to get that to you for proof.

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 2021-04-20 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: GA

Complaint narrative:
I have disputed this creditor on my credit report XXXX. with XXXX and Equifax more than several times and I just keep getting the same result despite my efforts of sending documents to support this claim against this creditor. I have filed complaints on this creditor a long with a compliant about XXXX. some years ago. since then I have filed a lawsuit against them for violating the Debt Collection Practices Act. and they are reporting the account closed but. also the XXXX and Equifax keep putting remarks on this account saying its affected by natural Disater it is not a current student loan it is over thirty years old its just been updated because the THE GOVERNMENT KEEP LETTING THIS COMPANY OPERATE WITH THEIR RUTHLESS PARTICES DESPITE ALL THE COMPLAINTS AGAINST THIS CREDITOR. DESTORYING PEOPLE CREDIT AND LIVES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a small business Business Advantage Fundamentals Account with Bank of America. As long as I have had the account, the minimum balance to avoid a monthly fee was {$3000.00} and I have held {$3000.00} in this accounjt. Despite the fact that I have opted in to electronic disclosures/paperless, the bank says it sent a notice in XXXX that the minimum balance requirement was increasing to {$5000.00}. A customer service agent with Bank of America told me on XX/XX/2021 that the bank is required to send fee increase notices by regular mail. The BofA eCommunications Disclosure Policy, however, states " XXXX XXXX XXXX  Types of Communications You Will Receive in Paper This eCommunications Disclosure does not apply to any communications that we determine, in our sole discretion, that we are required to deliver in paper form under applicable law or that you should receive in paper rather than electronic form. 

Such communications shall be mailed to the primary address we show for you in our records or otherwise delivered as required by law or the governing agreement. 

I asked for an electronic copy but was told that is not possible. 

I moved on XX/XX/XXXX, and again on XX/XX/XXXX and have not been receiving all mail, despite filing change of address requests with the XXXX XXXX XXXX 

The bank waived the {$16.00} fee for XXXX and XXXX. however, they said they fee will probably be charged for XXXX, since I have brought it to their attention on the XXXX ( and by direct message on XXXX on XX/XX/XXXX. And they said I will have to call back again. 

The account name is Friends of XXXX XXXX and it ends in XXXX. My new zip code is 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 monetary relief
Consumer complaint received 2021-04-20 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: AZ

Complaint narrative:
On XX/XX/2021 andXX/XX/2021 and I sent in 609 letters and have yet to receive a response back from the bureau or the creditor. I sent in supporting documents and I have called multiple times to get the problem solved. It has been past 90 days and i have yet to get results back from an investigation and the inaccurate information on my credit report has hindered me to apply for new credit. The bureau is neglecting the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: VA

Complaint narrative:
Hello, PayPal recently 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. I have not been able to get help from them for months 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal has been refusing to return my money since XX/XX/2020. I XXXX the company and the judge ordered them to pay me the money but PayPal has refused to do so. I am owed {$5700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been trying to close my savings account with Citi for a while now, but each time I message or call them, I get a representative that is unable to close the account for one reason or other.

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 2021-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My FHA loan through Wells Fargo has a mortgage insurance payment each month. I have lived in this house for almost nine years and requested to know the date that the mortgage insurance will end. About a month ago, I received a notice from the accessor that my home value has increased to $ XXXX. The value of the home has increased each year I have lived here since 2012. The original loan was for $ XXXX. I now owe a little over $ XXXX. I have called a few times to ask which loan-to-value ratio are they using - the bank 's value or XXXX XXXX accessor 's value. The only answer they will give me is that they can not discuss my account over the phone and will send me a letter explaining what I need to know. One agent told me she thought it was based on the original loan amount not the actual value of the house. Tonight 's phone call, the agent said that I may be able to escalate the issue to someone who will discuss it with me. But for now my escrow statement will include the PMI until I meet the removal requirements. That I needed to wait until after the next letter is sent then I could possibly get the new escrow report if necessary. Why can't they tell me the month and year the insurance will end? And why hasn't it ended already since I've paid more than the 8year requirement and the value of the house was high enough a few years ago? I feel like I'm getting the run around.

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 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I received a letter informing me that I have a XXXX debt totaling {$290.00}. 
This is impossible for 3 reasons. 
1 ) My husband and I share a XXXX account and his name is primary. 
2 ) That account is connected to a credit card. There is never any debt in that account, because purchases automatically are paid by that card. 
3 ) The debts in XXXX would be named for the companies that provided goods or services THROUGH XXXX. 
Also, they used a nickname, not my full name. 

From Jefferson Capital, Ref # XXXX www.MyJCAP.com XXXX XXXX XXXX XXXX. XXXX XXXX  MN XXXX Mail payments to : Dept # XXXX XXXX XXXX XXXX XXXX, AL XXXX Return mail address : XXXX XXXX XXXX XXXX, NC XXXX XXXX whole addresses!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had a checking account and debit card with Citi Bank. Unfortunately, my card was lost and then stolen. I used to wear fanny packs, which held my debit cards, ID, and business cell phone. I lost the fanny pack, or left it somewhere and couldn't locate it. An unknown person found it and decided to make a purchase using my card which wasn't authorized by me, the sole account holder. I contacted the bank, worked with fraud and disputes to dispute the amount. Initially, the bank advised me that I would get a credit and the claim would be investigated and closed within 10 days. I became paranoid and removed all my funds from that account. I later found out the claims department was closing my claim and finding me at fault. This was a shock to me, and the total opposite of what an FDIC-insured bank should be doing. I requested documents and proof of the investigation, which I wanted to provide to the FDIC and Federal Reserve as a violation of Federal Regulation E. Instead of providing me with any concrete document proving I spent the funds, they sent me up the ladder of customer service reps who had their hands tied. I even got to an escalations team who did nothing but treat me with disrespect and berate me. I was even called a " SIR '' several times, even though on a recorded line I advised the representative that I am nonbinary and identify as them/they. When I explained this to the supervisor the agent connected me to, I heard him giggle at me and or about me when he thought he put himself on mute. When I said, " I can hear you ... '' I was placed on hold with music immediately. I was later reported to XXXX XXXX and XXXX as owing a balance to them for the disputed amount and for account abuse. In no way did I abuse my account. This negative reporting has prevented me from getting a bank account. It has affected my life and livelihood.

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 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX contract was complied fully with, All monthly payments per contract made. Confirmed with representatives and have employee ID 's. Refused to resign another contract with them. Returned there equipment and followed all instructions to fully satisfy any obligation. 4 months to 6 months after leaving XXXX XXXX attempting to collect debt without providing proof of the debt. The debt was disputed as not being old. The 3rd party collection company Credance takes the bully approach the debt was validated and owed. XXXX proof. Its typical XXXX XXXX XXXX crooked 3rd party collections and not compliant with FCRA and common decency and respect. Instead they choose to threaten a persons credit, pay or else. Documentation has been collection for further action, One further action is this complaint to CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I used to have a credit card for Nordstrom 's. A store I used to love. The card is issued through TD BANK. I lost my card on a flight, or at the airport, then my card was used in XXXX XXXX, Ca. I do not live in California and do not jump states to shop. I advised Nordstrom 's credit department of the fraud and they began a dispute. Initially, the dispute was resolved in my favor, as it should be. At the last minute, the decision was reversed and I was told I was the person who made the purchases. I know I did not. I was told that someone XXXX who looked like the person on my DL was in the store. I was not only offended, but this was right before the United States began to really face and evaluate the racism that companies, schools, and government institutions benefit from in a systemically XXXX world. At the time I was appalled, offended, and embarrassed that I was, in this decade being told that all XXXX people look alike essentially. I was told this by a customer service or disputes manager after I asked to be escalated because the original representative tasked to help me come off as rude, defensive, and honestly treated me like a criminal. I was hurt and now this balance, a balance I did not charge is not only in collections, but it is ruining my life. I not only experienced terrible customer service but to treated in a way that made me feel inferior was and is unacceptable. TD BANK and Nordstroms decided to send this balance to collections, it is not at a 3rd part company that harasses me and has reported on my credit. I am not a giant company, but at this point, it is me against them. I offered to file a police report at the time, and the manager basically laughed me off the phone. I said I could easily contact the local XXXX police to file one because I know for 100 % fact that I did not make the charges they accused me of. This has been very difficult for me and has caused me enough mental distress. I really need this conapny to step up and in and do what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After a long investigation On XX/XX/XXXX, Bank of America Fraud department mailed me a letter stating that {$16000.00} was credited to my account ending on XXXX. The purchased was made by XXXX XXXX at XXXX and XXXX 's who was in cahoots with XXXX XXXX. Merchandise and hand written receipts are on XXXX XXXX name***Please see attachments. 

On XX/XX/XXXX, I was pending the credit for account ending on XXXX for {$16000.00}, with the same issue that happened with the purchased for the card ending in XXXX which was resolved and I received the credit. After I called I was transferred to the dispute department, which was not the correct department, because the dispute department was not handling the fraud purchases, after explaining the situation to the representative she said that she was taking away the credit for the {$16000.00} on credit card ending on XXXX, this credit was given to me by the Fraud department. I was very surprise that this representative did not know anything about the matter that was revolved by the fraud department, so I asked for the supervisor, I spoke to the supervisor which immediately said that they were giving me the credit back and closed the case. Few laters I learned that was not the case, she did not give me the credit. Since it was late, I called the Fraud department next day in the morning and told the fraud department representative what had happened the night before, and the representative said to call the dispute department and tell them to close anything they have opened regarding the fraud charges, he also said that since the credit was given to me already that he was going to honor that and close the cases and reopen a new case on credit card ending and XXXX for the {$16000.00}. The representative also said that the claim department and fraud department are not connected, one department does not know what the other is doing and they have this happen in regular basis. I waited few days and the credit was never given back to me for the {$16000.00} on card ending on XXXX, and also the representative never re-opened the case for the {$16000.00} for the card ending on XXXX. I am very frustrated with Bank of America and their employees, I have been dealing with this for XXXX month and something that should have been resolved long ago is a completely mess now. Bank of America representatives are so unprofessional and have not knowledge of their business, these people are put there to answer the phone without any proper training. Their representatives are misleading, altering and changing the information provided to avoid doing the work.

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