vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I deposited in my checking account number XXXX at Bank Of America that is opened under the name of XXXX XXXX XXXX XXXX  the check with number XXXX for the amount of XXXX dollars dated XX/XX/XXXX from XXXX XXXX. The check was deposited ONE TIME and the funds for the check posted ONE TIME to my account. On XX/XX/XXXX the amount of XXXX dollars was pulled from my account stating that the check was double deposited which is false statement. 
During last conversation with a Bank of America representative they agreed that the check was deposited once and the bank who issued the check, XXXX XXXX did not cover the check. Since somebody inside the bank made a mistake they want t cover it and declared the account at XXXX XXXX having insufficient funds so the banks can cover their mistake .That is a wrong affirmation and the person who wrote the check DID have sufficient money in the account. Instead of fixing the issue Bank of America sent me to XXXX XXXX to ask them directly for money. Both banks made an error and one of them kept my money.

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 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I did a money transfer to someone through PayPal supposed to be for an item instead the person sent me pills I opened a case with PayPal and because they had a tracking number they wont refund my money which was for {$520.00} I pd a person in XXXX but I got an envelope with pills in it from XXXX but PayPal will not refund my money please help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX I deposited in my checking account number XXXX at XXXX  XXXX XXXX that is opened under the name of XXXXXXXX XXXX XXXX XXXX the check with number XXXX for the amount of XXXX dollars dated XX/XX/XXXX from XXXX XXXX. The bank who issued the check was Wells Fargo.The check was deposited ONE TIME and the funds for the check posted ONE TIME to my account. On XX/XX/XXXX the amount of XXXX dollars was pulled from my account by Wells Fargo stating that the check was double deposited which is false statement. During last conversation with a XXXX  XXXX XXXX representative they agreed that the check was deposited once and the bank who issued the check, Wells Fargo did not cover the check. Since somebody inside the bank made a mistake they want t cover it and declared the account at Wells Fargo having insufficient funds so the banks can cover their mistake .That is a wrong affirmation and the person who wrote the check DID have sufficient money in the account. Instead of fixing the issue XXXX  XXXX XXXX sent me to Wells Fargo to ask them directly for money. Both banks made an error and one of them kept my money.

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 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: AMALGAMATED TOKEN SERVICES, INC.

Complaint narrative:
Coinlist has stored my Filecoin cryptocurrency and at my request sold some. I have requested remittance of part of the proceeds of sale to my XXXX account, the details of which were provided and have made many complaints about non receipt of any money, The first remittance request was made on mid XXXX and funds were allegedly wired a few days later but no funds have to date arrived. Email reminders since have largely been ignored. I am still waiting on the receipt of some $ USXXXX from my Coinlist wallet confirmed to have been requested on XXXX XXXX. 
There are apparently many other people with similar experiences and I am wary of asking for any more transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: OH

Complaint narrative:
Collections on my credit report that is not mine

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: DISCOVER BANK
State: OR

Complaint narrative:
My last complaint was closed. This is an addition to it. 

No matter how much paper they throw at this issue it is very simple. 

I NEVER authorized the use of my card for the charge in question AND the company ALTERED the receipt to justify using my card. NOBODY can show a receipt with my signature that authorizes discover to pay this bill!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Monday morning XX/XX/XXXX I checked my prepaid Bank of America account and found there were two charges for {$950.00} at XXXX XXXX bank, one on XX/XX/XXXX and the other on XX/XX/XXXX. I called in immediately to let them know of the fraudulent activity and they sent me out a new card. On XX/XX/XXXX I called them to get an update and to update them with info regarding my police report. A few days later I called to get an another update from them and they told me my they didnt have any of my information. This happened twice. Then after I finally got them to keep my info, I received the letter stating that my claim had been closed. I reopened the claim and then a few days letter received another letter stating that an additional review of my case had been done and the original decision was correct.

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 2021-04-21 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Roughly 3 years ago I had an account with TD bank that I barely used with > {$200.00} in it. At some point I was told it was closed and sent to collections for XXXX {$250.00}. After dealing with the bank for roughly a year I was told they made a mistake and it was put in overdraft when it shouldn't have been. That if I agreed to just calling it a wash on both parts they would pull it out of collections and XXXX out the account. 6 months later I found out it was back in collections. After speaking to the bank it was taken back out ... Until 3 months after that I found out it was back in collections again. I have recordings of all my calls, and emails where they stated it had been XXXX 'd out. I have left countless messages and emails, none of which have been returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21 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: OH

Complaint narrative:
my account has been limited by paypal permanently without any reason.It says I will be able to get the money on my account after 180days passed. However, I noticed that Paypal has stolen my money, they transferred all balance on my account, that is, {$2000.00} USD on XX/XX/2020 to their own account without my permission and even no notification was sent to me. I got no idea what happened to my own money!!! Please kindly help me out about this. I really need the money to pay bills. I deserve to get my own money back. the email linked to my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: West Coast Servicing, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I stopped making payments on the second loan, when I purchased the house back in XXXX I was sold an XX/XX/XXXX home loan, and told I was told I could refinance two years later. After XXXX the property values started plumming and both loans started adjusting as they were both fixed for two years and 28 variable if I am not mistaken, both loans adjusted to 11.50 % making my house payments over {$6000.00}, I made payments but around XX/XX/XXXX I no longer was able to keep up as my income was not the same. 
After the modification of the first loan I would go into the Bank at my local branch and make my payment, I asked about the second loan but the teller told me that nothing was coming up under the loan number. I figured the loan was forgiven as I was told, ( no documentation was ever given to me ). 
My loan was transferred from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX the second disappear for about a year, and then out of nowhere it appeared again, I was never told of the transferred all I got was a monthly statement for maybe three months? and then it was transferred once again to a collection agency called XXXX XXXX, XXXX. I negotiated a payment plan with them, they offered me to settle the account for {$36000.00} but I did not have that kind of money. I started making {$300.00} payments a month I was told they would be reporting my payments to the credit bureau but they lied to me, they never did, I do not know where the {$300.00} a month that I paid for a year went to, I was given no paperwork to sign nothing so I stopped the balance did not go down at all. 
Then at the end of XXXX XXXX XXXX sent us a Notice of Default, I believe they filed a lien on the house as I do not think there was one for the second loan. Then the sale date arrived. 
I begged for a modification, instead, I received a forbearance where they added all the interest since XXXX and late fees from XXXX they asked for $ XXXX down and payments of {$870.00} I can not afford that type of payment and I have a sale date on XX/XX/XXXX In XXXX XXXX finally finalized a loan modification it took about a year at that time the Bank told me that the second would be forgiven as the property value fell to 60 % to what I purchased the house West Coast mail out the forbearance plan, not a modification as we asked on XX/XX/XXXX which we got on the XXXX and they gave us until Monday morning the XXXX of XXXX to give them the deposit of {$5000.00} and signed documents but I do not know what I was signing, all I know is that is not good. I still tried to make a payment for the deposit but they declined to take my payment because is past XX/XX/XXXX. I want to keep my house my fiance has a College student that is doing College from home. Please, please do not sell my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter to Equifax to dispute items that are appearing on my credit report that are inaccurate and/or invalid. As of XX/XX/2021 ( 51 days later ), I have yet to receive a response from Equifax with the results of their investigation. The disputed items in my report are adversely affecting my ability to obtain credit as well as the terms under which I can receive credit. Per federal law, failure to investigate disputed items within 30 days gives reason for the items to be promptly deleted. I demand that these items are deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a credit card from CAPITAL ONE, and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, CAPITAL ONE has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I applied for a XXXX credit card to use for the purpose of purchasing supplies and products for my salon. Business purposes. 

I have applied on two different occasions, and both time was denied. The reason I get is that I have had previous negative history with the company. 

I have requested specific negative actions to be disclosed to me. I keep getting the same answer with absolutely no specific answer other than previous negative history with them. 

My credit report shows no late payments, or negative remarks. I have two other credit accounts with the same company, which also has absolutely no negative actions. 

I only want to know what negative history they are showing to deny my credit application. Maybe my credit has been compromised? Although there is nothing out of the ordinary in either of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
TO WHOM IT MAY CONCERN I am writing this fax concerning claim # XXXX involving three online transfers of the amounts ( {$840.00} on XX/XX/XXXX, {$1400.00} on XX/XX/XXXX, and {$1400.00} on XX/XX/XXXX ) made from my current restricted account ( ending in XXXX ). I submitted a claim on XX/XX/XXXX concerning the online transfer which was made through an external account that was verified with my account ( ending in XXXX ). This external account happens to be a XXXX XXXX account not in my name which was being verified by Chase on XX/XX/XXXX according to my secure messages. 
As of now, the investigation period has closed and I was sent a letter this morning stating that my claim had been closed and my funds would not be refunded. I called numerous specialists and representatives about the details of the investigation and was informed that the transfer occurred from a familiar device : My XXXX. My XXXX is currently the name of the XXXX I own and I learned more from the Claims department that I logged in through Face ID verification. 
I went ahead to do some investigation of my own and noticed that I have three unknown devices that I do not own in my Device History. I proceeded to call the Claims Department and got in contact with a Claims Specialist who was able to confirm that no new devices were used to access my account. For the record, I personally own an XXXX and a XXXX only. In the Device History, three XXXX devices, two XXXX, and one XXXX is listed ( screenshot provided below ). The Claims Specialist was happy enough to provide me with the timestamp of the online transfers and they happen to be one minute behind from logins on my XXXX and an unknown XXXX device ( screenshot provided below ). As stated above, I do not own a XXXX device. I made sure to make a recent login through my XXXX and XXXX to verify this as there were no logins made into the three unknown devices after my account was restricted on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21 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: TX

Complaint narrative:
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 

As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature.

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation.

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about these five unverified accounts as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CA

Complaint narrative:
On XX/XX/2020, paypal transferred my the total amount of $ XXXXUSD of my paypal balance to PAYPAL . I was supposed to withdraw that amount. Paypal says, the funds will be on hold for 180days and then it will be released. afterwards, i can withdraw it to my own bank. However, they lied. they just stolen the money from me and I even didn't notice that until I checked my recent activities and found none balance at all. I tried to reach paypal for help, but no response at all. I want to get the money back. This is really important for me and my family. I heard CFPB can handle issue like this, that's why I am reporting this to you. Please help me to get the money back. The paypal email I use it XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Dispute Reason : Merchandise was never received, never delivered. 
The merchant was Best Buy. 
The credit card company is Citi Bank.

My Citi bank credit card was obtain through CostCo. 
The amount in dispute is {$510.00}. 
The purchase date was XX/XX/XXXX. 

I spent days going to the local store in Texas where I live to ask for help. I also called many times and got hung up on many times. After all effort failed, I filed a dispute via Citi Bank. Today XX/XX/XXXX, I received an email and I checked messages online, and Citi Bank said that the dispute failed and they will charge me {$510.00}. 

Even though I engaged in a transaction with the above merchant, I never received the following products ( two software ) : ( 1 ) XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ( Digital ) software, and ( 2 ) AXXXX XXXX XXXX  XXXX ( Digital ). 

I provided phone bill and HomeDepot receipts showing that I was in Texas at the time that I purchase the software from Florida Best Buy. I should receive the software through software download but I did not receive an email with a hyperlinks for me to download. Yet Best Buy claimed that I purchased the software " in person '' and picked up the products " in person ''. 

Beware of Best Buy. I called the phone numbers, put on hold for a long time, transferred from one person to the next, and finally got hung up on. There is only one phone number to call, and they randomly sent us to a different to talk to each time. We never got to talk to one person. No accountability. When we came to a Best Buy local store, they sent us home to look for an email for software download. That's a big lie. Nothing. However, because of the purchase, Best Buy floods my email with their daily advertisements. 

DO NOT PURCHASE SOFTWARE ONLINE. 
BEWARE OF BEST BUY!

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 2021-04-21 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: IL

Complaint narrative:
I was just released from prison and I am trying to get an apartment. I don't know where these fraudulent accounts and hard inquiries came from. Someone must have stolen my identity and opened these up. Please help me delete all of these immediately.

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 2021-04-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CA

Complaint narrative:
I have a credit card from XXXX  XXXX, and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, XXXX  XXXX has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation