vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 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: NJ

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-27 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: TX

Complaint narrative:
On XX/XX/2020, I sold a bike using XXXX XXXX. 
The buyer come to my house, picked up the bike, and paid me {$130.00} via PayPal. 
After the transaction was complete, and the seller left, I realized PayPal had placed a " mandatory '' 21 hold on the {$130.00}, to " allow for shipment ''. 
But I do not now, nor have I ever, shipped items to anyone. 
I reached out to customer service, and after going in circles with their automated online assistant. A live customer service agent told me that I would need to contact the seller and have them log into their account and let PayPal know that the item had been received for them to release the funds to me. 
I reached out to the buyer, but they are unable to log into their PayPal account. 
So PayPal has my funds frozen, and unavailable to me. I do not understand how this is legal. They've imposed an unreasonable rule and are illegal withholding my money. 
Please help. I do not own a business, or have any resources to fight this. I need the CFPB to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC
State: CA

Complaint narrative:
They keep calling my phone number over and over saying that there is a serious business matter i must attend to. 

XXXX - Diversified recovery buero

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report back in XXXX, XXXX, and found out that there was an unauthorized account opened under my name with Citibank. The name was spelled incorrectly, and I have never opened another account with Citibank after XXXX. I have attempted to resolve the issue with them, however, they keep stating that the account is legitimate with a legitimate bank account attached. 
Citibank has my social security number, bank account information, and is still refusing to fix this problem, even after sending the letter of dispute, twice.

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 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My father passed away on XX/XX/XXXX. He had a bank account at Citibank with the XXXX, IL branch location. I reached out to them ( along with 3 other banks in the area ) to close his accounts and withdraw funds about a month after my dad passed away and once I received the death certificate from the county. 

I had to call Citibank 's XXXX branch location 8 times over 1 week in order to make an appointment. I did not walk-in because I knew many banks were not taking walk-ins during this pandemic. Each time I called I was told everyone was busy. I finally got to the national line and they made an appointment for me with Citibank XXXX branch on Tuesday, XX/XX/XXXX. 

When I went into the office, I was told they did not have a record of an appointment and to leave and make one over the phone. I insisted that I had booked an appointment and asked to see someone. They accommodated me and filled out a death certificate form and told me it would take 10 business days for their legal team and back office to close the account and withdraw the funds for me. 

As I mentioned earlier, I did this with 3 other banks - XXXX, XXXX  XXXX XXXX, and XXXX XXXX. Each of those banks were able to get me the money within 48 hours. I did not hear anything from Citibank for over 10 business days so I called them on Tuesday, XX/XX/XXXX, and was told the representative who helped me only worked on Thursdays and Fridays so I had to call back Thursday. I told them it was imperative we receive the money in order to pay bills and that I was willing to speak with anyone but they said it had to wait until Thursday. 

On Thursday, I called multiple times until finally getting through to the representative. They told me the back office hadn't closed the account yet. I asked why there was a hold-up and how we could fix it assuming that there was an unpaid fee or something associated with the account. They said there were no problems and they would close it. I told them to please close it ASAP because we need money that we own to pay our bills. On Friday, I called again and they still hadn't closed it. I reiterated the urgency of this request and that it had been far longer than the 10 business days I was told and that every other bank did this within 48 hours. They told me to call back Monday, XX/XX/XXXX. 

I called again on Monday, XX/XX/XXXX and have not been able to get through to anyone. It is now almost a month since I tried to close an account I rightfully own and withdraw {$15000.00} of funds in order to pay our bills and Citibank has not given it to us nor explained why.

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 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been discriminated against and neglected by simple bank. Starting around the XXXX of XXXX up until this very day. Early XX/XX/XXXX I had my wallet an dcel phone stolen, I reached out to simple to send me a replacement debit card, due to the fact I was broke from no work do to covid19, and my direct deposit from unemployment was coming to that account. basically time was critical. when i called the representative had no problem updating my address, which was changed, and verified, as per simples website stated, the issue was she made ann error while inputting the address, my address is XXXX XXXX XXXX XXXX XXXX, but she changed it to XXXX XXXX XXXX XXXX XXXX, from that day XXXX second, i was promised an overnighted debit card and did not reeive my card until XX/XX/XXXX. All due to the team at simple not allowing me to change my address without the proper verification. Yet again, the initial time i called and needed the address changed, the woman did change it, furthermore, she changed it to the wrong address! I have absolutely no connection or verifiable document to link me to an address that is not even mine, and they verified it, but when i try to change the mistake, I am rather left to suffer, with no money and no way to access most of it, until they deem its fine, I will send alll chat messages i have, what has happened since this has been absolute XXXX, i will let the chat messages explain, but breifly : I was given permission to send money from my account to my XXXX XXXX in order to be able to receive funds, i was allowwed three times, they unbloked my now stolen card, let me make the transferl then reblocked it in real time. that until they decided i was not allowed to to this anymore, and denied me after the third time. 

they have over XXXX dollars tied up in disputes. one most importantly is for 300+ dollars from a 3day hotel stay in which i found bed bugs in the bed. I have video evifence, which i sent the first day i started the dispute, on XX/XX/XXXX, its not been almost a month, i have received no provisional credit, in fact, as im writing this email i received an email from the disputes team, sking me to email these supporting documents ( ie the video evidence to them. i have sent them this proof three. times. now. 

they allowed a merchant to direct debit XXXX dollars from my account when i had a XXXX  balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: Nelnet, Inc.
State: SC

Complaint narrative:
My XXXX  case number is # XXXX. When my credit report was pulled I had two reports from the Dept. of Education that showed up on the mortgage department 's derogatory statement. They mortgage company agent instructed me to send the document to them and XXXX  showing that the loan was paid in full and not just a closed account which may lower my score if seen as a derogatory report. I immediately sent a dispute online to XXXX  and uploaded the letter from the Dept. of Education to make sure it was seen and categorized as two positive reports. Instead of reading the document and verifying that they were placed as positive credit reports XXXX  deleted them from my report lowering my credit score. I was working hard on my credit score to close on my first house using my VA Loan and now that has been jeopardized. When I contacted XXXX  to Monday XX/XX/20 at approximately XXXX they instructed me that they understood my situation and to request that the Dept. of Education submit an re-insertment form so they could correct the error. When asked could I speak to a supervisor I was told that one was not available for 3 hours. I called both agencies twice until a specialist from the Dept. of Education explained to me that it was a serious violation of the fair credit act and I should report XXXX  because it was their error and they should have went to their data base and corrected the error by reinserting the paid in full reports themselves, This matter is seriously effecting my chances of getting the house that I and my wife worked so hard for. I only ask that they put back my credit history in the proper category and restore my credit score. My contact number is XXXX XXXX XXXX XXXX XXXX and I hope this could be rectified as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I have had an ongoing dispute with Bank of America after it approved funds from a fraudulent cashiers check I received from a customer. I was granted access to the funds the very next morning. Afterwards, I was asked by the customer to wire money, {$900.00}, to what was supposed to be a delivery person who was supposed to pick up the appliances I was selling. I used it the XXXX transfer tool Bank of America heavily endorsed on its sites, including its app. The whole process turned out to be a scam that happened right under BOAs nose. It was I who finally realized what was going on and took measures to contact the appropriate agencies. 

Since that time, Ive had to complain to several regulatory bodies, including the CFPB, due to the retaliatory measures BOA and its employees took, which included freezing my accounts twice on a Friday evening, without any warning, refusing to give me access to my debit card or cash over the weekend, and finally deciding to close my account and withholding my money from me, including money I had in new accounts that had nothing to do with the fraud. 

BOA has misled the CFPB into thinking it has worked to resolve the problem, but it hasnt. After the last feedback I provided the CFPB, I received another email from BOA requesting to resolve the ongoing dispute. Ive left three phone messages to the contact person and have not had my calls returned at all. Ive called at all hours of the day, and all I get are automated phone messages from BOA.

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 2020-07-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i was billed on my visa card for items i never ordered and i did not receive the items, when i called credit card company they refused to take the charges off my account

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 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My checking account with bank of America was closed on XX/XX/2020. However, I received a refund from XXXX XXXX  for the canceled trip on XX/XX/2020. The funds were refunded by the merchant using my original form of payment- the debit card attached to my Bank of America checking account. 
I contacted Bank of America multiple times to obtain my refund in a form of a check, since the account and the debit card is closed, but was unable to get any resolution. The bank representatives stated that they can not locate my money since the account is closed. My last phone call with Bank of America was on XX/XX/2020, and I was again told that Bank of America can not locate my {$500.00} refund. 
I requested the letter from the merchant- XXXX XXXX showing the tracking transaction number for the refund processed and will attach it as a proof that Bank of America holds my funds and does not want to release it to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: OH

Complaint narrative:
These are some reports I would like to remove from my report both XXXX  and XXXX. Im a poor hardworking XXXX  and my car got stolen back in LA with all my documents and valuables and I suffered a major loss. Kindly I want assistance in removing all this stuff from my reopening and cleaning it as Im really XXXX  and due to these collections I can not get a place to rent or a 1BR apt . I really appreciate your assistance and cooperation in removing these items from my report and closing my account. Kindly assist me and remove these items from my report as Im already struggling with XXXX  debt and XXXX  and unable to get a place an apt 1br to rent as due to these dings and information on my report. I sincerely urge and requesting to remove this and close this information on my report so kindly remove this from my report. My everything got stolen and lost major documents and social so I was struggling making new documents and aswell my car got stolen which the police reports are attached. I sincerely appreciate assistance in contacting these companies and removing from my report as my credit got mishandled.

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 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I submitted a complaint with CFPB regarding an old XXXX 's account where debt collectors on a debt over 10 years old have continually called and several collectors have sworn at me on a call, and one telling me to " not open credit cards if I can't pay the bill. '' In the complaint response, XXXX stated the account had been sold to Encore Capital Group and their contact was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
These are some reports I would like to remove from my report both XXXX  and XXXX. Im a poor hardworking XXXX  and my car got stolen back in LA with all my documents and valuables and I suffered a major loss. Kindly I want assistance in removing all this stuff from my reopening and cleaning it as Im really XXXX  and due to these collections I can not get a place to rent or a 1BR apt . I really appreciate your assistance and cooperation in removing these items from my report and closing my account. Kindly assist me and remove these items from my report as Im already struggling with XXXX  debt and XXXX and unable to get a place an apt 1br to rent as due to these dings and information on my report. I sincerely urge and requesting to remove this and close this information on my report so kindly remove this from my report. My everything got stolen and lost major documents and social so I was struggling making new documents and aswell my car got stolen which the police reports are attached. I sincerely appreciate assistance in contacting these companies and removing from my report as my credit got mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a USBank Relia visa debit card on XX/XX/XXXX for unemployment payments. I am retired so I have not requested any unemployment benefits. The debit card has my name ( XXXX XXXX XXXX ) on the card. I have tried to contact the number on the back of the card but they tell me there is 204 people ahead of me. The website does not give me any way to close the card so I am afraid that some one has filed a unemployment claim in my name to defraud the government. The card number is XXXX valid thru XX/XX/XXXX with the number on the back of XXXX. I have contacted the Colorado unemployment office and filed a complaint. I have not had a invisticator call me back yet. If you have any questions for me call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX 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 non-monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I try to send money through XXXX and the transactions are not sent. PNC seems to be disconnected from my XXXX account and will not complete payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: DISCOVER BANK
State: GA

Complaint narrative:
Upon receipt of my recent credit reports from XXXX, XXXX, and XXXX, Its apparent there still exist a Fraudulent account I discovered that was opened at Discover Bank ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at Discover Bank of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my XXXX, XXXX, and XXXX Credit Reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 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:
In XXXX, XXXX, and again at the beginning of XXXX I submitted paperwork directly to the bureau not only from the court, but also from XXXX XXXX, and XXXX  .... all showing that the bankruptcy listed on my credit report should be removed. Each time submitted i have received a " canned '' response from the bureau without one once of proof of this public record being filed by me, with any signature, with any paperwork, with any address ... no proof. This has been requested on multiple occasions although i have provided proof myself that the bk are not mine. Ive wrote, faxed, and called with no error being fixed. 
I know the response is canned and standard that i receive due to the bureaus saying it was verified to THEIR company citing the exact places that ive sent them directly. Its insane.

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 2020-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
payments are reflected late in the amortization rate, I have the application and are not reflected

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