vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Continually received unauthorized charges to my account and closed it in XX/XX/XXXX. Fraud Investigations confirmed the charges were not mine and reversed 2 out of the 3 charges and missed the third charge. Called numerous times to have the third charge removed. This was finally done but then in XXXX a fourth charge to the same retailer appeared on my account on XX/XX/XXXX, which appeared on my XX/XX/XXXX statement. Called Fraud Investigations on XX/XX/XXXX to have the fraudulent charge reversed, which XXXX confirmed was already done. In fact, the fraudulent charge was never reversed and I have now accrued penalties and interested to XX/XX/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 monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/2021, Bank of America placed an {$880000.00} hold on my account. I spoke with a branch manager and got customer service on the phone. They could not provide a reason as to why this hold was placed on my account. I was told to call back the next day. I called the morning of XX/XX/2021 and there was no answer as to why the hold was placed on my account and there was no reason for what initiated the hold to begin with. No information. Nothing. Just told to call back later. In the meantime, they are illegally holding $ XXXX of my money. This is after having a XXXX  XXXX  put in and having told bank of america that this type of stress this close to my procedure puts me at undue risk for complications. They could care less. I will be suing 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 monetary relief
Consumer complaint received 2021-03-19 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: MO

Complaint narrative:
I disputed the Validity and accuracy of some alleged debts that were seen on my credit report that was provided by XXXX.I submitted the letter by priority mail certfied on XX/XX/XXXX which they received on XX/XX/XXXX. They have fail to respond to my request per the letter that was sent and I have checked online to see that the dispute has not been updated or resolved as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE
State: MD

Complaint narrative:
Good day, I have called all parties several times concerning this issue with no resolution, and excuses to date. The money source my " old servicer '' did not provide me with a notice of servicing transfer not less than 15 days before the effective date of the transfer. ( 12 C.F.R. 1024.33 ). As a result of this late notice of loan transfer on XX/XX/XXXX by electronic means and XX/XX/XXXX via a written correspondence that my new servicer would be XXXX on XX/XX/XXXX my refinance payment went to TMS as I had closed.

TMS initially notes they could not find the funds, and I had to reach out to title company to find. I was able to obtain a receipt of better sending money to title company and title company sending out full payment with wire transaction # to previous servicer TMS on XXXX. TMS notes that had to due a review and finally said they found funds on XX/XX/XXXX and that full payment was sent to XXXX on XX/XX/XXXX. I reached out to XXXX on several occasion and they note they have not received funds and requested a wire #. 
I contacted TMS for over 12 times and have been unable or unwilling to provide wire # and states that it is under review. In the mean Time I have Debt collectors calling me from XXXX saying that I have not paid my mortgage when I shouldn't even have an account with them. TMS has said they would call me back several times to rectify this issue, and has not reached back out to me. Any assistance that you can provide with tis matter as somehow over {$360000.00} is missing and I have two mortgage payment on 1 property. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I have been calling this company sense XXXX of 2021 they will not return my calls I have also asked them to do an internal investigation which they have snowballed me for 4 months, I had XXXX and was in the hospital at the XXXX XXXX XXXX I called this company to let them know that I was sick and was told that my payment could be deferred sense I had a life treating illness the derrment was for three months and then you restart your payments and I agreeed to that so I asked them to get the phone records that they refuse to get and will not return my Phone calls and sent it to another collection agency and the price went up by XXXX dollars in 2 months they have lied about everything and to show the lies they have avoided me sense thmontheeen I call leave massages and they don, t call back for month, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: ID

Complaint narrative:
Hi CFPB Team My concern on my Paypal account that was on hold to permanently not using Paypal service and holding my small fund for 180 days I have register as Paypal user due to I want to start my freelance job in online. It wasn't easy to find one since I was employed but due to this pandemic I lost my job and decided to pursue searching for my next bread and butter online. Which most of them requires paypal for payment of service rendered. 
I thought it was going smoothly that I was willing to wait for the 21 days verification holding policy, since its first time to use account. But upon submission of the required documents they asked my account was limited and can no longer do business with Paypal. 
My first transaction was XX/XX/XXXX and another on the XXXX. I was waiting for the 21 holding period before I want to regularly continue working to earn and received payment on my payapl. 
Please help me on this concern. I need the account as well as the fund in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Revolut Technologies Inc.
State: OR

Complaint narrative:
I had inadvertently created a stop payment for a credit card payment, but no one at customer service is unable to cancel the stop payment. Due to this my credit card payment was late. I have submitted this three times. ( XXXX, XXXX, and 3/10 ). I had to transfer funds to another bank as a work around. This is unacceptable. 

Note the customer service chat I am unable to forward since it is within the banking application, but XXXX maintains the chat history. 

Background : Revolut is a fintech company providing digital banking services where the underlying bank is XXXX XXXX XXXX. They refer to an 3rd party initiated ACH payment as a " direct debit ''. I have on 4 occasions now mentioned that the payment was returned due to a Stop Payment that credit card company indicated even when sufficient funds were available. As a test on the same day, I initiated a {$1.00} dollar ( test ) and {$500.00} ( the payment that is being stopped ) and the {$1.00} dollar payment posted, but the {$500.00} dollar payment did not post.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: MI

Complaint narrative:
Received a letter yesterday XX/XX/21 from Charles Schwab about an account open in my name using my personal info. I did not open said account at any time. Today XX/XX/21 recieved a debit card contacted Charles Schwab customer service informed them my identity has been stolen and used to open an account, police report was made. Spoke with Fraud department from Charles Schwab - Investigation and account was frozen will have continuous communication with me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: WA

Complaint narrative:
I noticed on my Experian credit report that I have a 30 day late notice posted back in XXXX and I called the vendor - XXXX XXXX and they mentioned it was a mistake. They said they would submit the updated information to Experian however my credit report has not been updated to reflect the on-time payment. I have spoken to them several times and each time they tell me the credit bureau needs to update the on-time status because they have sent the update to Experian. This has severely affected my credit rating and I'm not able to get any additional loans or additional credit because of this.

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 2021-03-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To who it may Concern my name is XXXX XXXX XXXX my address is XXXX XXXX CT XXXX ca XXXX the company webbank/fingerhut XXXX Flying XXXX XXXX XXXX XXXX XXXX, MN XXXX i open i account with them in XX/XX/2018 in 2018 of XXXX I was hurt at work put on workman comp i got behind on bills. i had insurance thru webbank that made payment in till i get ahead. as of today i payed in full. XXXX $ with interest. they reported late payment for XX/XX/2018 XXXX XXXX i ask to have removed. i know that had insurance that payed them. i ask have the late payment removed thu Experian made i made them aware that this is a violation of fair credit reporting act. i called finger hut ask i send good will letter letting know of my situation. they sent me letter stating that this was in my welcome packet that was sent. i would like to file a complaint. with consumer financial protection bureau. i believe these is a act of false of misleading representations to my persona as a consumer.

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 2021-03-19 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: VA

Complaint narrative:
I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XX/XX/XXXXthe Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. Zurixx LLC and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with Bank of America with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.

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 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
Wakefield & Associates have annotated on my Credit Report for a bill owed by XXXX XXXX XXXX of SC ( XXXX XXXX XXXX ). I have no knowledge of the account, made an attempt to contact using the Account number annotated on Credit Report the Representative could not find anything. I am a XXXX Military personnel/XXXX XXXX XXXX Veteran. My Medical is covered by the Military/Veteran Administration. I relocated from South Carolina in 2018. I am requesting this erroneous annotation removed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I sent two debt validation letters to this company requesting VALIDATION not VERIFICATION that the debt is mine. The company has failed to provide validation for the account # XXXX. This was submitted with the previous complaint request the company failed to remove this account from my credit report. This company has failed to validate the debt and failed to provide a Hippa authorization form. This business violated my health privacy rights and committed another violation of my privacy by not providing me the requested debt validation information,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Siwell Inc
State: VI

Complaint narrative:
I am requesting that the complaint I filed with Capital Mortgage Services of Texas ( NMLS # XXXX ) be re-opened and investigated ( Complaint Number XXXX ). The reason I am requesting is that their response was not accurate based on the following additional information I am providing below. 

1. Today, Capital Mortgage funded a mortgage for XXXX XXXX XXXX. This home is in the same Condo home owners association as the property I am under contract to purchase. 
2. The loan was opened in their system on XX/XX/20. That is when they received this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
M & T Bank shut down account on line since Wednesday XX/XX/XXXX until now Friday XX/XX/XXXX and it is still off Line. Include also any phone numbers/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
LastXX/XX/2021 I've sent documentation for those inaccurate and unknown accounts on my credit report. it's 30 days now since I've sent those but I've never received yet any response. I demand to REMOVE ASAP those accounts or I will file litigation.

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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I recently was alerted to stated debt by Midland Credit Management by XXXX and XXXX posted to my reports dated XX/XX/2020 when my identity theft case is complete and readily accessible : XXXX. 

Public and widely known and accessible fact that isnt being upheld by the debt collection firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I owed the original creditor, XXXX XXXX, a total of XXXX for a former account. XX/XX/XXXX, I made a payment of XXXX. This was updated on my credit report. On XX/XX/XXXX, I made a payment of XXXX. Both payments were made directly to XXXX XXXX. I have disputed the balance owed on this account multiple times to XXXX XXXX  and XXXX. Transworld is the collection agency contracted to collect the debt continues to report a balance owed of XXXX. I called Transworld on XX/XX/XXXX and was told that XXXX did not notify them that the second payment had been made. I called XXXX on XX/XX/XXXX and spoke with a XXXX who informed me that the balance is XXXX On XX/XX/XXXX, XXXX contacted Transworld and informed them that the balance is XXXX and to remove it from the credit report. I followed up with Transworld today and spoke with XXXX XXXX ( agent idXXXX ) and was informed that their records show that I owe a balance of XXXX. I called XXXX again and asked for the CEO 's email address as I needed to escalate the matter. I was then told by a rep who worked for XXXX that they would notify the collection agency that the account was not only paid off but they would request to have it removed from my credit report. I feel that I have done my due diligence in taking care of this matter but it is still adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: GA

Complaint narrative:
Hello and thank you for reading my complaint! Since XX/XX/2020, I noticed a few errors on my credit report and wanted to dispute them in accordance with the FRCA etc laws. I have noticed these companies have not verified any negative item that I have disputed and yet keep reporting without proof the way the courts recognized.

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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Calvary Portfolio Services already acknowledged fraud and stated they would send out a fraud packet to complete as the original packet wasnt received being sent to the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX You cant legally acknowledge a fact, then ask a claimant for evidence to satisfy their burden of proof. As with XXXX XXXX XXXX, case number : XXXX is already determined ID theft superseding their internal processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: NY

Complaint narrative:
I have been trying to get a loan modification from CMG since XX/XX/2020. My father and I are on this loan and my father passed away on XX/XX/2020. CMG told me that they needed a copy of his death cert, which I did provide them. I also gave them updated bank and pay stubs. They then told me that they needed a copy of his will, which I also did provide. I along with a counselor from Neighborhood Housing services spoke to a rep and was told that I now had to get a letter of testementary for my father 's estate. I called back CMG about a few weeks ago and requested to be put on a forebearance. The rep stated she could put me on for the month of XXXX but I will have to call back in XXXX to get additional months if needed. Today I received a letter from CMG and it states that they received the death cert and will be removing my dad from the loan. So, I called CMG to see if I still needed to get papers from Surrogate court or not only to be told by rep that I was NOT on a forebearance at this time, even thought I told her that I have spoke to 2 reps prior and confirmed that I was on a forbearance. Since XX/XX/2020 I have stayed getting conflicting info from this company and they never do what they say they will. I have kept all emails, calls and mailings that prove the conflicting info. I have sent them everything that they have requested. After speaking with rep today she told me that I will have to start the loan modification process all over, and I asked her why they just couldnt open up the one that they denied which I just resent then a month ago! I seriously need him and someone to look into the practices of this company. It is not fair to me as the consumer that I have been going thru this and yet have been doing my best to do the right thing and I am constantly being taken through the ringer with this company.

Company response to consumer: Closed with explanation