vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 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: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
On XX/XX/XXXX we booked through XXXX 4 tickets from XXXX for XX/XX/XXXX, with their insurance " XXXX cancel for any Reason guarantee ''. On XX/XX/XXXX we called and cancelled the tickets and they told us refund is on the way. No refund so we called on XX/XX/XXXX, they told me refund will be in 2-3 days and I did request them to send confirmation of our cancellation by email. Until XX/XX/XXXX no refund, and we called, not a physical person is answering. So we have to call our credit card " Barclaycard '' for dispute on XX/XX/XXXX. On XX/XX/XXXX our credit card was rebilled, as XXXX states that no record that we didn't receive service. And they said that we can have 80 % refund to Barclay. We feel very frustrated to deal with both XXXX and Barclay. XXXX is lying about everything. We have been trying to contract them for multiple time through phone. No physical person will answered the phone. And because of non refund that's why we ask dispute from Barclay. Then from Barclay side, the investigator didn't check with us at all when they got one side the fake story from XXXX. And when I try to call Barclay, the rep on the phone will never transfer me to investigator. The reason is because they are in back office.

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 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Paypal charged me transaction fee. In XXXX separate transactions today ( Wednesday, XX/XX/2022 ), one for {$20.00} and another for {$120.00}, there are fees charged. but in the PayPal website, the fee is waived if sent from bank account and that's what I did. Apparently I received the fees because I had selected the transaction as a Goods and Services. This is a new feature. Awhile back, there was no Goods and Services. The main problem is the website used Goods and Services selection as the default and there's no clear instruction to the consumer that they need to change it to Send as a Friend in order to not get charged with a fee. I shouldn't have been charged with the fees because the transactions went to a XXXX XXXX and from a XXXX XXXX not to and from another country. Per the website, fee is waived for a bank to bank transaction within the US. The website user interface is clearly using the default in order to intentionally charge consumers ( the user ) a transaction fee. This is not user-friendly for consumers. The website should default to None and mark the box as red in order for the consumer to be reminded to select the proper transaction type like Send to a Friend, especially if the user is trying to avoid paying any fees, before the user can continue with the transaction ( XXXX ). PayPal rep on the phone also said she was going to email me in order to get a refund for the fees. I have never received her email, so that's not a good customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I refinanced my home XX/XX/2021 using XXXX XXXX XXXX. The property taxes were paid from the closing to XXXX XXXX XXXX ( Texas ). 

My previous lender, PNC Mortgage, also paid the property taxes from my escrow account through a third party XXXX in XXXX, Texas. 

XXXX XXXX https : XXXX recorded the payment from XXXX XXXX XXXX XXXX I have contacted XXXX XXXX XXXX XXXX, they indicate they send the payment back to XXXX who would return to PNC escrow to return to me. I have been in contact with all three companies by telephone, email, and online multiple times to identify their process and recover the overpayment in property taxes of approximately {$8200.00}. To date, PNC Mortgage still tells me to wait- they havent received the funds. I have asked each of these companies make notes of my call and the situation. 

I would appreciate review of processes of the companies and tax office in this complaint to assist in recovery of my overpaid taxes. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof and included the enclosed court house affidavit signed by the court house clerk XXXX XXXX XXXX that the method you used to allegedly verify this item was invalid. I ALSO ATTACHED A LETTER FROM XXXX Item in question : U.S Bankruptcy - XXXX I sent you notice that your process was not valid due to me going directly to the court house and XXXX and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing another complaint with the CFPB and the Attorney General, against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

Please delete this unverified information as you may have mix/merged my credit file. 

Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Applied for credit card online from Citi and received denial letter. Letter stated " your existing or previous account with us has a history of late payments '' based off of XXXX report. Requested XXXX credit report, to review and found 0 late payments.

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 2022-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Capital One has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in Exhibit A and information associated with Capital One, XXXX and XXXX must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: SC

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiry : XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX EMPLOYER : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Student loan — Federal student loan servicing
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: Nelnet, Inc.
State: FL

Complaint narrative:
Account rehabilitated and shouldve been deleted, loans being handled by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Last XX/XX/XXXX, I found some wrong details on my credit report. I immediately wrote to the credit bureaus to correct and have these items removed or updated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. I am writing to have the following items removed : XXXX : CAPITAL ONE XXXX XXXX : CAPITAL ONE XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
Hi This account from XXXX was originally with XXXX collection company reporting fraudulent, and it was removed from my credit report. Now i'm looking at my credit report, and it's now under different debt buyer with different name, and different open dates... it's illegally reporting. Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
This bank has continuously misappropriate my funds. I made a payment of {$500.00} on the principal in XX/XX/2021. They took the money and misapplied or hid or stole my money. Ive called on nervous occasions and even filed a claim already and they are denying this. Im asking for {$250000.00} to be taken off the mortgage this is not the first time they have done this and I will file a complaint each time. They have discriminated against me and stole 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 2022-01-19 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
This complaint is for Credit Acceptance XXXX west XXXX XXXX. XXXX, MI XXXX. 
I have acquired and satisfied an installment loan. My credit report is showing a 120 days late payment, which was not the case, I mailed the payment via mail and I guess it took the company some time to process the payment. The company agreed to have this inaccurate information removed but it is still reflecting or showing on my report 6 months later.

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 2022-01-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief
Consumer complaint received 2022-01-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT : Name : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX EMPLOYER : XXXX XXXX XXXX, SC XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 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: MD

Complaint narrative:
My credit score does not reflect my exceptional payment history, no collections, length of credit history. I have a low credit score with a credit utilization of less than 20 %. Something is wrong somewhere.

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 2022-01-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I need help and I don't know who to reach out to. 

My problem is that every other month or I find that I am getting calls telling me that my account is past due - when it is not. I have always paid my mortgage in two payments and since I retired ( as a XXXX XXXX XXXXy XXXX ) my 1st partial payment is the last Wednesday ( i.e. XX/XX/XXXX ) of the previous for the next month ( i.e., XX/XX/XXXX ). 

I received a very upsetting call today from someone ( a gentleman ) who was very obnoxious and insisted that I needed to pay my XXXX mortgage which includes late fees. After several attempts of explaining to this person that I don't have an outstanding balance due, I relented and said that if need be I would take this up with Consumer protection, he told me that I didn't know what I was talking about and that he was looking at my account, I said I too am looking at both the mortgage and bank statements and that I needed to explain -- he cut me off and said I'm not going to argue with you and hung up I have attached my bank statements commencing with XX/XX/XXXX to the end of XX/XX/XXXX, highlighting what each payment was for and when it was posted for NewRez. Also included are copies of upcoming payments for XX/XX/XXXX. 

It's so confusing, it's like a shell game, I'm told that NewRez services the Mortgage for XXXX who as it turns out provide no assistance at all. 

If you can't help me, can you please direct me to someone that can. I would be ever so grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I asked for debt validation as per 15 usc 1692g a ( 1 ), ( 2 ), ( 3 ), I asked for the following : the original contract stating any obligation to this debt. Who is the debt owed to and who was the original creditor that extended credit. I submitted to them different letters and phone calls. They did not respond with the validation requested. I stated if they were unable to find the request then im not obligated to pay anything and the debt is null and void and they arent able to collect. I also submitted a cease and desist in my letters on phone communications of contacting my family members or selling my address to other companies. Im being XXXX and people are being sent to my house without my consent. They are using abusive practices.

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