vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX  head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was waiting for my unemployment prepaid card in the mail in the first week of XXXX and on the XXXX of XXXX i called to get the status on my delivery of the card found out that on the 3rd a card was sent to an address that i never heard of before and my card was intercepted they turned it off and issued another one the remaining balance out ouof XXXX plus XXXX was XXXX which i had to have bank of america send the remaining funds on XX/XX/XXXX th a month after i made my first claim because the card never showed up i finally got a card they expressed to me after i liquidated the account out of fear the rest of my money would be stolen filed a new complaint with them because no refund of my money was ever issued still to this day here are the un authorize transaction on XX/XX/XXXX atm of XXXX and a store merchant transaction of XXXX XX/XX/XXXX another XXXX withdrawl from atm XX/XX/XXXX another atm XXXX XXXX XXXX at an atm i was credited my weekly un employment funds XXXX on the XXXX of XXXX than on the XXXX was the day i called bank of america to check the status on my card online purchase of XXXX there was no more transaction since than because i reported fraud added a security question after spendong hours and days on hold to make a claim they still have my money and the investigation. The only other transaction is from me when they XXXX  XXXX my remaining funds on XX/XX/XXXX this is the reason i cant collect unemployment please help me resolve this issue thanks

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 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
A credit card was fraudulently opened in my name around XX/XX/2016 and charged up to XXXX. I was not made aware until I checked my XXXX credit report due to the credit breach. I notified the current account owner CAPITAL ONE BANK N.A. who received my police report and agreed to delete the account from my credit profiles. The account was later sold to XXXX XXXX XXXX, XXXX who then began re-reporting the account. I have been harassed for over two years by this company who keeps giving me conflicting information. Due to my information being apart of the data breach XXXX  has recently removed the collection but XXXX XXXX is still reporting to the other bureaus and refuse to remove all account history no matter what. I would like this to be resolved before I am forced to proceed with legal action due to the negative affect this has caused in my home purchasing process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX  head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: AZ

Complaint narrative:
on XX/XX/2020 i contested a charge on my bank debit visa card and the bank put the money back into my account claiming provisional ; however after the 60 day period on XX/XX/2020 they reversed it and are forcing me to give it back because they favor the merchants who give fraudulent service. 
THE U.S.BANK REVERSED A CREDIT MORE THAN 60 DAYS AFTER THE INCIDENT COMPLAINT ; AFTER THE HOTEL DENIED WHAT HAPPENED. THE HOTEL DEFRAUDED ME BY PUTTING ME IN BROKEN ROOMS AND THEN LET THE MAID OPEN THE DOOR BEFORE CHECKOUT TIME AND WITHOUT MY PERMISSION TO OPEN THE DOOR CAUSING HER TO COMMIT TRESPASS. THE BANK HAS FORCED MY ACCOUNT INTO OVERDRAFT AND IS BILLING ME FOR DIFFERENT AMOUNTS FROM {$67.00} NOW {$25.00} WITHOUT ME PAYING ANYTHING. THEY SUDDENLY FOUND SOME MONEY IN MY ACCOUNT THAT THEY OVERCHARGED ME FOR DIFFERENT TRANSACTIONS.

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 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
The CHASE CREDIT CARD company is driving me crazy. My CHASE account was closed by the CHASE CREDIT CARD company On XX/XX/XXXX on purpose. The reason is : On XX/XX/2020, I paid the full balance for my account with my XXXX  debit card, and I got the confirmation email from CHASE. But CHASE CREDIT CARD company CANCELLED my payment without any message. 

The consequence is that the CHASE CREDIT CARD company put the interest charges on my account.in XXXX XXXX, XXXX, for ever, even if I paid the statement balance in full. I can never pay them off. 

The original message from CHASE CREDIT CARD company is as follows : I will be happy to assist you with the interest charges on your account. XXXX, your email has reached the highest level of escalation. even though you paid your XX/XX/2020 statement balance in full, your XX/XX/2020 statement balance was not paid in full by the due date and interest charges continued to accrue on your revolving balance between the date your statement was issued and the date you paid the statement balance in full. This interest charge, often referred to as residual interest or trailing interest, is reflected on your XX/XX/2020 billing statement in the amount of {$24.00}. Interest accumulates daily but is not charged to your account balance until the end of the billing cycle. If you carry a revolving balance, you may notice residual interest charges on a newly generated statement after having paid your prior statement balance or Interest Saving Balance in full. These charges accrued between the date your prior statement was issued and the date it was paid. I regret to inform you that we are unable to reverse the interest charges of {$24.00}. We appreciate your business and thank you for being a Chase customer. Thank you, Chase Email Servicing XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08 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: CA

Complaint narrative:
I have submitted a dispute to Citibank about a charge of XXXX $ charged to my credit card on XX/XX/XXXX, but Citibank refused to investigate my dispute, they also refuse to credit my account for this charge. they also refuse to discuss this dispute. 
they have raically abused me over the phone, they called me " XXXX XXXX  XXXX '' on XX/XX/XXXX around XXXX pm over the phone. 

The actions of citibank violate federal fair credit act, and I ask that Consumer Financial Protection Bureau take action against citibank to santion them for racism and violation of federal Fair Credit Act.

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 2020-12-08 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: AL

Complaint narrative:
A credit card was fraudulently opened in my name around XX/XX/2016 and charged up to XXXX. I was not made aware until I checked my XX/XX/XXXX credit report due to the credit breach. I notified the current account owner XXXX XXXX XXXX  XXXX. who received my police report and agreed to delete the account from my credit profiles. The account was later sold to Portfolio Recovery Associates, LLC who then began re-reporting the account. I have been harassed for over two years by this company who keeps giving me conflicting information. Due to my information being apart of the data breach XXXX has recently removed the collection but Portfolio Recovery is still reporting to the other bureaus and refuse to remove all account history no matter what. I would like this to be resolved before I am forced to proceed with legal action due to the negative affect this has caused in my home purchasing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
paypal steal my money, They took the money out of my balance without authorization and notice because I had violated Acceptable Use Policy violation.It 's ridiculous.For this reason they have frozen my funds for 180 days.During this period, the money was not refunded due to buyer 's refund, This is enough to prove that there is no risk when trading.But they still took my money.What right do they have to take my money? PayPal is just a method of payment, They stole my money for some invented reason without any damage to the interests of the buyers and sellers. They are robbing me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: PA

Complaint narrative:
Today I had wanted on this site https : //www.patreasury.gov/Unclaimed/no_records.html and it says this Claim Owner ( s ) Address Holder Name Property Type Dates Id 's Selected Property XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Paypal Inc Uncashed Checks Property : XX/XX/XXXX Reported : XX/XX/XXXX Property Id : XXXX and this Claim Last Name First Name M.I. City St Zip Holder Amount XXXX XXXX XXXX PA XXXX XXXX XXXX Under {$100.00} and I want to know how much is the uncashed check for and I want y'all to send me the uncashed check to me in the mail without me filling out a claim form on patreasury.gov website?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. I strongly disagree with the information that you hold about me on the file and therefore should immediately be removed or replaced with the accurate details. I am more than happy to provide any supporting documents that you require. I have evidence to support my argument and am prepared to send you this if needed. 
I would like the matter investigated and for all credit bureau agencies to be informed about incorrect information on my account. I would also like my creditors to be informed of any incorrect information on my account. 
I look forward to hearing from you as quickly as possible.

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 2020-12-08 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: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. I strongly disagree with the information that you hold about me on the file and therefore should immediately be removed or replaced with the accurate details. I am more than happy to provide any supporting documents that you require. I have evidence to support my argument and am prepared to send you this if needed. 
I would like the matter investigated and for all credit bureau agencies to be informed about incorrect information on my account. I would also like my creditors to be informed of any incorrect information on my account. 
I look forward to hearing from you as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. I strongly disagree with the information that you hold about me on the file and therefore should immediately be removed or replaced with the accurate details. I am more than happy to provide any supporting documents that you require. I have evidence to support my argument and am prepared to send you this if needed. 
I would like the matter investigated and for all credit bureau agencies to be informed about incorrect information on my account. I would also like my creditors to be informed of any incorrect information on my account. 
I look forward to hearing from you as quickly as possible.

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 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I bank with Pnc bank. A charge came in for {$14.00} then another {$15.00} overdrawing my account by {$29.00}. I had funds in another account that shouldve been used. Pnc chose to transfer only XXXX and XXXX from another account allowing two overdraft fees of {$36.00} totaling {$72.00} to accrue against my checking account. When I recognized the issue, I immediately transferred the money to rectify the shortage. I thought the bank would have provided this courtesy. Instead it appears that the bank is only trying to take money from the customer during a economic hard pressed time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
paypal steal my money, They took the money out of my balance without authorization and notice because I had violated Acceptable Use Policy violation.It 's ridiculous.For this reason they have frozen my funds for 180 days.During this period, the money was not refunded due to buyer 's refund, This is enough to prove that there is no risk when trading.But they still took my money.What right do they have to take my money? PayPal is just a method of payment, They stole my money for some invented reason without any damage to the interests of the buyers and sellers. They are robbing me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
paypal steal my money, They took the money out of my balance without authorization and notice because I had violated Acceptable Use Policy violation.It 's ridiculous.For this reason they have frozen my funds for 180 days.During this period, the money was not refunded due to buyer 's refund, This is enough to prove that there is no risk when trading.But they still took my money.What right do they have to take my money? PayPal is just a method of payment, They stole my money for some invented reason without any damage to the interests of the buyers and sellers. They are robbing me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2020 my account frozen. it's 6 months now and after cooperating still refuse to close my account or release my funds. i recieved a no obligations grant for application of loan covid relief. loan denied but grant recieved. i sent in all supporting documents. investigators refuse to speak with you return calls or messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.

Complaint narrative:
I have an account with Coinbase, and I have a wallet plus a Vault, where I usually store the leftover money, I have never had a problem to transfer the money from the Vault, to the normal Wallet, except for this time, the site asking me to confirm approve the transaction, and they are using two of my email addresses, one works fine, and the other address never worked, I didn't receive an email to ask to confirm, nothing at all, I wrote them 5 emails asking them to approve it or to send me the link to my other email, but they never replied, and I have made them aware i would complained about it, but still no answer what so ever. I would like to have the money back from them, and I will close my account, can not stay with a company that doesn't even respond to their customers, I feel like they are stealing my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
A guy by the name of XXXX XXXX asked me to take a loan for him because we were in a so-called relationship. The XXXX guy stated that XXXX XXXX was one of his vendors that he needed to pay her. I made the transfer and waiting for XXXX to pay me back and he never did and now I am asking for the bank to send me the money back, so I can pay the loan back.

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 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Fidelity LP
State: NY

Complaint narrative:
XXXX XXXX XXXX as Custodian on my 401K is insisting that I pay {$670.00} in annual fees on an asset that expired and defaulted in XX/XX/XXXX. They demand a further {$370.00} to close the account. I have repeatedly asked that they cancel the asset since late in XX/XX/XXXX ; they refuse. I have asked for copies of my original custodial agreement ; they have not complied -- and indeed, sent me someone else 's confidential account opening information, including Social Security number, instead. 

They were carrying the asset at a false value for 6 years until I demanded that it be written down to {$0.00}, as it is expired and defaulted and has no market value. They have now referred the {$670.00} fees to a debt collection agency, Universal Fidelity LP. I believe XXXX XXXX XXXX is in breach of custodial and fiduciary duty and are only concerned about their fee stream. The clearly have NO IDEA what is going on with this asset and apparently want to assess me {$670.00} fees per annum in perpetuity for an expired and worthless asset. A responsible custodian/fiduciary should be looking after its client 's interest, not its own fee stream.

Company response to consumer: Closed with explanation