vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a Bank of America Premium Rewards credit card. One of its rewards is the XXXX Incidental Statement Credit which provides an annual statement credit of up to {$100.00} for qualifying transactions, which include purchases of onboard food and beverage on domestic-airline, domestic-originated flights ( see attached terms & conditions ). 

On XX/XX/20 I purchased {$18.00} worth of food aboard a XXXX flight from XXXX. Although this is a qualifying transaction and I did not reach my annual limit, Bank of America XXXX BoA XXXX did not offer a statement credit. I opened case # XXXX with BoA in XXXX and their investigation found that XXXX had used the wrong XXXX code, which made the transaction ineligible. ( The merchant name was XXXX XXXX XXXX, which is clearly incorrect as we were in flight and no food is even offered at the gate. ) BoA has acknowledged that this should have been an eligible transaction but it refuses to remedy this issue with XXXX who is its partner, not mine. A BoA representative even informed me that another customer was in the same exact situation. It is impossible for me to go back to XXXX and find the in-flight merchant to re-process the transaction with the right XXXX code, this is a systems-level programming error. Im requesting that BoA resolve this issue with XXXX and offer me a full {$18.00} statement credit.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For the past 2 years, I have been actively disputing 2 accounts listed on my credit report that are not mine. I have provided proof that the bill belongs to another person and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the means of verification, when asked.

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 2021-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received messages on XX/XX/XXXX from my father 's wife and another friend stating they were a state investigator XXXX XXXX trying to locate me in regards to a case file. and to call them at XXXX with a case number XXXX. They told my father that they are part of XXXX county district courts and needing to serve me court papers in regards to committing fraud. Then 30 mins later my sister 's ex husband that lives in a different state trying to locate my sister to contact me. My sister called to find out who it was and was informed that I had 3 charges pending and said they were a location services company. I called to find out what it was and at first they said they were a law firm and stated that they will be serving me pages at my home to go to court for criminal charges of check fraud. I asked them if they were collections and they said no they are a law firm through Connecticut, but works for locating me for XXXX county district court. Charges are pending because I owe money to Check and go Payday loans from XXXX or XXXX. Said they have a right to charge me because the charge off date was XX/XX/XXXX. Threating to press charges if I do not pay the balance XXXX which is the balance of {$640.00} plus late fees. They said it was the balance of and only if I pay the full amount with late fees could they stop the court case. I informed them I can pay if i can get a documentation of what I owe and where I can send the money. The rep threatened again saying if I cant pay it over the phone then have a good day in court where I will be charged with check fraud and XXXX 's of dollars in fees. I have a screen shot of the message that they sent to my old phone number and a voicemail link of the message they left for my sister to locate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH provided a IRS 1098 form that is incorrect in multiple respects. The total amount of mortgage interest paid in XXXX is wrong - the company applied XX/XX/XXXX payment to XX/XX/XXXX instead of showing the payment made on the last day of the year. Also, the IRS 1098 form has an incorrect " Origination Date, '' reflecting a date in XXXX when the original date of the mortgage was in XX/XX/XXXX. These errors reflect sloppy accounting practices, and I am worried about how PHH is conducting its business. When I telephoned, the company I was able to speak to a manager who is in XXXX. The erroneous IRS 1098 form has large tax consequences for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Credit Bureau XX/XX/XXXX Experian erroneously shows that I was late 20 times on the page it describes as what " lenders '' will see. However, I have never been late with any payments. I applied for Ch. XXXX bankruptcy on XX/XX/XXXX, and all my accounts were closed before any of my payments would be late or missing. I attempted to dispute the late statuses through the process on the Experian website, but all of the lenders show " exceptional payment history, '' which is correct ; therefore, there is nothing I can dispute with the creditors. 

Moreover, the other two bureaus ( XXXX and XXXX ) reflect accurately no late payments and my credit scores with these bureaus accurately reflect the only negative item on my report, which was the Ch. XXXX BR. It is important to point out that the XXXX and XXXX credit scores are in the mid-600s range and show a " fair '' rating, as opposed to Experian which shows a XXXX poor rating along with showing 20 times late with payments. I realize that the scores can be different for different bureaus, but I would like to see if my Experian score comes up to the level of the other bureaus once the " late '' statuses are reflected on the page that shows my score ( the linked pages show " exceptional payment history '', so I gather the error is with Experian and not the reporting lenders ), I am attempting to find housing and employment, which is crucial for my survival right now, and I fear my prospects of employment and being able to rent a place to live are in jeopardy because of my Experian report. I attempted to contact Experian on their website today ( XX/XX/XXXX ) and was routed through a phone tree that had no option for me to select and kept disconnecting 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 2021-01-27 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: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank is continuing to to show that I was late back in XXXX of 2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, PNC applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though PNC is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, XXXX, XXXX and XXXX  kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration. It's like as if PNC does not care that they made a mistake and are not willing to work with me, even though they recognize that it is a mistake on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I have 4 Gift Cards with a {$50.00} value each that were given to me from a friend as a gift. I tried to use them but they have no money on them. I was told the law says money can not expire or be taken but they were deactivated and drained of the money over time. 
They were from Paypal XXXX  XXXX  and were XXXX XXXX XXXX Gift Cards. I will attach both the original order to my friend from when he bought them a few years ago and my photo copy off all four printed out Gift Cards I called both XXXX XXXX who was nice and tried to look them up but showed no money on them. I called both XXXX XXXX and XXXX XXXX Customer Service which said the same thing. They were sold by Paypal XXXX gifts so nothing surprises me about Paypal and their common issues. I talked to someone there who blamed XXXX XXXX and said to call them which doe not work. Paypal needs to PAY ME. The cards were purchased in 2015 and given to me that year also are are supposed to never expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Conduent Incorporated
State: FL

Complaint narrative:
I received my way2 go card with XXXX deactivated. XXXX XXXX as XXXX bday XXXX card # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
company purchased my private consumer information without my written consent. 
company assigned debt to an attorney. 
company has multiple violations under the Fair Debt Collection Practices Act. 
company is reporting false information to credit reporting agency in an attempt to damage my reputation and credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Avant Credit Corporation
State: PA

Complaint narrative:
In XXXX of 2020 this account was on my credit report. I decided to dispute it. Nothing changed from it so I tried again and this time it said account closed. But still remains on my credit report. I want them to take this off my report and to not change wording around on my report. This company really hurt my credit. And want it taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had a charge account with American Express for years that was in good standing and paid off every month. In XXXX, I lost my job and my home after Hurricane Harvey. I finally got a permanent address when I rented a home in XXXX. Now I am trying to use my VA Loan to get a mortgage and my lender said this information by American Express is preventing me from getting a home. He said it shows on my revolving credit, it is derogatory, and the amount is closed. I made a few charges almost four years ago, but nothing even close to what they say my derogatory amount is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is reporting a account thats already been paid and deleted by the creditor I recently

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 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I was in process of moving. Had been using all the rental sites. XXXX had a button to push if you were interested in a place. I did that and someone called me. They asked my credit score and had I been evicted. Then stated if I was really serious and sent them XXXX they would take the house off the market. He told me to do a XXXX  transfer. I thought because I was doing it through my bank I would be safe guarded. I was only able to get XXXX thank goodness. I tried to stop the processing but it was too late. I called wells fargo and still haven t heard from them. I was really under the assumption because I did it through them that I would be safe.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: GA

Complaint narrative:
company is in violation of multiple offenses of federally protected consumer rights. 
company is illegally reporting on my credit report without my consent and permission. 
company has shared private consumer information without my consent.

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 2021-01-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
I had my name legally changed from XXXX XXXX XXXX to XXXX XXXX XXXX in XXXX of 2020 and Loanpal is refusing to update their records despite numerous attempts to They also attempted to lie to me about how my name was displayed on my social security card and when I called them out on that lie they attempted to try and lie to me about my name on my credit report after I made sure all 3 credit agencies. They would then claim they updated the name on my account but they still have XXXX XXXX XXXX on my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested my credit report annually to check my credit status, reviewing the contents I come to across numerous reported debt that does not belong to me, I tried contacting the companies i got transferred around and never got actual person to help provide explanation / resolved how those accounts end up on my credit report. I strongly believe some unknown person got to my personal information fraudulently and used it. my goal filing this report is to have those delinquent accounts removed from my credit reports, at once i can get my good credit standing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
I was affected by the global pandemic COVID-19. My insurance company contacted XXXX XXXX XXXX  in XXXX of 2020 because I was XXXX, and the hospital greatly inflated the charges, billing for services that I did not have and were not necessary. The Hospital agreed to write off the charges under the Cares FUND for COVID-19. The balance was to be written off. The company sent me a charity application XXXX XXXX, 2020. I completed the application and submitted it back to the company by mail 2 weeks later. XXXX XXXX XXXX did not process my charity application as previously agreed upon and forwarded my protected health information to a third party collection agency which is a HIPPA violation. I notified the company in writing the debt was not valid and advised them I did not give them authorization to sell my information to anyone. This correspondence was sent via certified mail. The hospital ignored my charity application and the letter sent to them by certified mail and forwarded my protected health information to a third party and they reported the balance to all 3 credit agencies and did not properly validate the debt pursuant with the Fair Credit Reporting Act I submitted a dispute with supporting documentation to XXXX, XXXX, and XXXX and they continue to allow this invalid debt to be reported

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 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
company obtained and purchased personal private consumer information without my consent. 
company shared my personal information without consent. 
company violated a multitude of federally protected consumer rights under the Fair Debt Collection Practices Act. 
company shared personal information with a credit reporting agency in an attempt to harm my character and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: AZ

Complaint narrative:
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, XXXXongress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. The following accounts I demand to have removed XXXX XXXX XXXX, U.S. Bankruptcy  Court XXXX. The following bankruptcy has already been deleted and deemed as unverified with XXXX they were not able to verify the bankruptcy per law so how are you? with the original furnisher? not through third party sold information that's against the law ( chapter 15 usc 1692, 1608 ) you are required to follow this law and provide written consent. 

Under code 15 U.S. code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates I XXXX XXXX XXXX have never gave XXXX  any written consent to report anything on my consumer report, No consent is identity Theft. I will provide a copy of the LAW. 
The following addresses are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Az XXXX YOUR companies failure to comply with these laws has cause my major distress on me as a consumer and has ruined my reputation as a consumer and I demand to have these laws enforced and data deleted permanently. 
This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards to this matter.

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 2021-01-27 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: MA

Complaint narrative:
Paypal put my account in a permanently limited state without telling the reason why and they are not responding to any of my emails. 

I closed my account a few years ago and then reopened it a few weeks ago with my bank debit card. They then put it in a limited state and asked for personal information, once I did they lifted the limitation. 
I then made a request for the Paypal debit card to be mailed to me and changed my registered mailing address as I moved recently. They then told me that my account was permanently limited for 180 days and they're holding my money. 

When I tried to send them a message the messaging center auto responded that there are no agents available and to call back during business hours even though I called around noon. 
My account is frozen and they're not responding to my email and their phone number just automatically hangs up on you. 
As you can see by the screenshots attached their automated system is telling me they're close and to message them during business hours. While I am messaging during business hours.

Company response to consumer: Closed with non-monetary relief