vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 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: DC

Complaint narrative:
This is the second time in a few weeks that Venmo does not let me transfer money without valid explanation nor a solution to fix the issue. They just say that my transfer is being declined due to security issues, even though I am " friend '' with the person to whom I send money. There is no way to resolve the issue according to the " chat agent ''. Basically the answer I keep getting is " if you cant transfer money with us try another means ''. 


Here is the answer from the supervisor below : XXXX XXXX ( Venmo ) XX/XX/2020, XXXX XXXX  XXXX Hey XXXX, My name is XXXX, one of the supervisors here in Venmo. 

I'm really sorry you weren't able to use your Venmo to pay XXXX today. If I were in your situation, I'd totally feel the same way. Im happy to share more information about this process as well as some steps you can take in this situation. 

All payments are reviewed, so there is no overall account status that I can adjust even as a supervisor, and there isnt a timeline I can provide. We, unfortunately, do not receive exact reasons for an internal risk decline. These declines are automated and in order to minimize risk, we are unable to override them. 

Similar to how your bank evaluates your credit card transactions, Venmo has a robust risk platform that takes many factors into account when reviewing transactions. In this case, the risk scoring process declined this transaction. 

You may try to make the payment again at a later time, but I can not guarantee it will work. You may also try a different payment method, which will be subject to the same internal reviews. 

I sincerely apologize for any inconvenience this may be causing, and wish there was more we could do to help! 

Best, XXXX XXXX | Venmo Support

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have filed a dispute with XXXX, Transunion, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, Transunion, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, Transunion, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report 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 explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed a dispute with XXXX, XXXX, and Equifax, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, XXXX, and Equifax since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, XXXX, and Equifax go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST
State: NV

Complaint narrative:
Hi, This concern is with Bank of the West. 

I opened an account after the loan officer at a branch encouraged me to open an account being the checking account would be free because of my new loan. I took his advice and decided later to open a checkingaccount with bank of the west. 

A few months later, I was impacted by Covid19 and bank of the west helped me push off a few of my payment 's due to my job loss. 

I received a notice my account being negative by around {$10.00} and advised over the phone my account is being charged off unless I got to a branch a pay the balance ( which I did ) and have a receipt. 

My concern is I was advised I had a free account. I got in the negative because of service fees associated to the checking account. I felt mislead by the company. 

I called today the 800 number for customer service to ask if my account was closed in bad standing and if I would be reported negatively with any credit reporting agency. The agent said I have to speak to the branch at phone number XXXX. Spoke to a woman and she said I don't know why the phone agent transferred you there because back office is handling this. 

I asked for direction to assure I am not being reported negatively and the account is being closed with a XXXX  balance. Neither person was able to answer and was unsuccessful in obtaining the information.

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 2020-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
CapitalOne/ Walmart is reportig erroneous lates on my credit from XX/XX/2020 through XX/XX/2020 and I was never late. XXXX XXXX  sold the Walmart account to Capital one.When my Walmart account was transferred to Capital One I never used the card, and had no balance at all. So I should not have any current lates reporting and I am demanding this account to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a promotional rate and not able to make payments right now due to COVID-19. Discover does not want to defer the XX/XX/2020 payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
My residence in XXXX XXXX, IA was severely damaged during the derecho storm on XX/XX/20. I was without power for 10 days and without Internet service for 12 days. I contacted Bank of America to request assistance with the property claim process as well as for assistance with payment options related to my mortgage due to the FEMA recognized disaster.

I have spent over 5 hours on hold with multiple Bank of America numbers ; I have been in contact with 7-8 different representatives. Only a few representatives have been helpful, while others just transfer me. I have also left voice mail. I have been told that my account has an alert regarding the disaster and that payment options are available. However, nobody has been able to assist with reviewing the payment options.

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 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
The amount they are trying to collect is incorrect. I have spoken with XXXX to update amount and tried to arrange payment plan since I'm unemployed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates, LLC has used obscene and belligerent language requesting to collect a debt ; that they have shown no evidentiary documents I have a contract with the said company. Portfolio Recovery Associates, LLC are in violation of 15 USC 1692.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I went XXXX Store XXXX Store located at XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, GA XXXX and phone number ( XXXX ) XXXX in XX/XX/2019 and applied for wireless phone for 5 phone numbers. I left XXXX store with no phones received and no account created. I began receiving XXXX bills for wireless service, although, I had no XXXX wireless or phone service. I called XXXX store locally and XXXX national headquarters numerous times, but to no avail. Now, they have collection account on my credit bureau. I need this remove and cease and desist collection order to XXXX and Sunrise Credit Services. I have contacted XXXX, XXXX, and my legal services. XXXX  suggested I contact CFPB. Thank you for the wonderful service you provide to American people as US Government public servants.

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 2020-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: KS

Complaint narrative:
This incident has happened on XX/XX/XXXX. When I checked my XXXX account around XXXX XXXX, I see a bunch of emails from Western Union. Somebody was able to login to my account and change the profile and was able to transfer {$2300.00} dollars. This all happened between XXXX XXXX and XXXX XXXX  US CDT The hacker tried to do two transaction of {$2300.00} and one of them go through and other transaction went into review status. 

As soon as I discovered this around XX/XX/XXXX around XXXX XXXX, I called the Western Union and reported the fraudulent transactions. I also called my XXXX XXXX and gave a heads up on this fraudulent charge. After my office work time, I went to local police station and filed a police complaint. My police case number is XXXX and Western Union fraud case number is XXXX. 

There are many things that does not make sense. Western Union has been difficult to work with on this fraud. Each time I call to find the status, they give a standard reply of " we are working with local enforcement office on this case ''. The representative are difficult to  understand. The only thing that they were able to tell is that the location where money was picked up which is in XXXX XXXX which is a state in XXXX part of XXXX. The receiver that was used for this fraudulent transaction lives in XXXX XXXX which is central state of XXXX. How could someone be able to login from new device and new location without secondary authentication like XXXX. I have used Western Union in the past, but my transaction amount was newer above {$150.00}. How someone was able to make a 15 times higher transaction without some review or time lapse to occur? 
My bank XXXX XXXX was able to pull back the transaction from Western Union. Now, Western Union collections department has sent me an email asking to provide my credit card account information or bank routing number and checking account number asking to provide to pay for the fraudulent charges.

I have spent considerable time and energy on phone calls to Western Union, police station and XXXX XXXX and physically visiting the police stations twice. It is painful to be a victim of fraudulent transaction and also being asked for the money stolen from your account. 

I dont want anyone else to be in the same situation which I am going through. My research on internet has found that Western Union lax system has been target of hackers and numerous people have been victim of fraud on their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I am a XXXX  in Alaska and due to COVID, we aren't able to go to places on land to get internet. I had to make a phone call to my Bank ( BECU ) to get a new debit card, they issued me a new debit card, but they failed to update my monthly automatic payments of my credit card. Since I'm fishing in Alaska, I have no way of getting notifications that a payment was missed or there was an issue with my credit card account. 

Come to find out BECU marked my account 60 days late, closed my credit card and seriously damaged my credit report from a mistake that was made on their end! 

I was just about to buy a house as soon as I am back from fishing and this has ruined my chances. I have a pregnant wife and no way to get my credit score back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Our company financed a manufactured home that had am active lien from another lender on XX/XX/XXXX. We have not received a lien release at this time and it has been over 60 days since the prior lienholder has received the payoff. We can not currently apply for this title and secure our colleterial. 
After closing we sent the payoff amount to the current lienholder. We did not receive a lien release as of XX/XX/XXXX and contacted the company. They asked for authorization documents to release information to us and would take another 5 days to upload into their system. We faxed over the authorization documents the same day. We contacted them on XX/XX/XXXX and were told that they received the authorization documents but to wait another XXXX hours for them to be uploaded. Contacted them again on XX/XX/XXXX and was told that the payoff was received on XX/XX/XXXX and they would release a lien release within 30 days on XX/XX/XXXX. Contacted them on XX/XX/XXXX and was told that they issued a paid in full letter on XX/XX/XXXX and a lien release on XX/XX/XXXX. We asked for copies to be faxed and was told they would fax them to us. Contacted on XX/XX/XXXX and was told that both letters were not scanned into their system yet and could not fax them and to try back in a week. On XXXX and XX/XX/XXXX we were told the same thing again. We contacted the county that the home is located in on XX/XX/XXXX and told they had not received a lien release. On XX/XX/XXXX, we contact a 3rd party company hired by the existing lienholder to assist and told to follow up with them the following week. Contacted the 3rd party company on XX/XX/XXXX and XX/XX/XXXX, we were told they were hoping to have the lien release letter to us that week and to follow up on XX/XX/XXXX if not received. We contacted them again on XX/XX/XXXX and were told we would have the documents by XXXX. Contacted again on XXXX and told they are hoping to have the documents by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear XXXX XXXX   Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what XXXX responded they confirm that this account is accurate. 

Creditor : XXXX XXXX, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XXXX of XXXX  has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely 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 2020-09-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear XXXX XXXX  Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what XXXX responded they confirm that this account is accurate. 

Creditor : XXXX XXXX, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XXXX of XXXX  has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear XXXX XXXX  Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what XXXX responded they confirm that this account is accurate. 

Creditor : XXXX XXXX, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XXXX of XXXX has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely 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