vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 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 - negative {$6700.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$6700.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$6700.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: GA

Complaint narrative:
Paypal stole my money and closed my account so that I couldn't log into my account, which contained more than {$4000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I received emails from the credit bureaus that I applied for a credit card at Capital One on XX/XX/2020 but I havent, thats a fraudulent application. I had two accounts with Capital One in the past and now Im a authorized user for a Walmart credit card with Capital One but this new application for credit, I have no idea. I called Capital One right away but they dont have any information about a new application. I also received an email from Walmart about an application for their credit card with Capital One that was submitted on XX/XX/2020 so Im guessing thats the fraudulent application the credit bureaus email me about. This has nothing to do with the Walmart credit card with Capital One that Im a authorized user, dont remove me from that account. Please cancel the fraudulent application, made on XX/XX/2020 and remove the hard inquiries from XXXX  and XXXX. Thank you for your help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My loan was supposed to be in forbearance until XX/XX/2020. A payment of {$210.00} was drafted out of my account on XX/XX/2020. My previous payment were only {$50.00} a month before this forbearance. Too much was taken too soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BANK OF AMERICA. 

XX/XX/XXXX : Got text message asking for my authorization of 3 transactions ( XXXX XXXX - {$1200.00} DECLINED ) XXXX XXXX ( - {$1200.00} DECLINED ) XXXX XXXX ( - {$450.00} APPROVED ), said NO and my card was restricted and will be having to get a new one. Login and see that another unauthorized transaction under XXXX XXXX ( - {$590.00} APPROVED ) has been processing. 

XX/XX/XXXX : The - {$590.00} has officially posted to my bank account so I called Bank of America asking for a status update and would be told that I should receive a resolution to this dispute in 10 days. The - {$450.00} was successfully disputed and I got the money back from it. 

XX/XX/XXXX : Temporary Credit of {$590.00} has been posted while they continue investigating. 

XX/XX/XXXX : Another message that my account has been temporarily credited while my claim is being researched. 

XX/XX/XXXX : Claim is in RESOLVED status and Bank of America is saying that the - {$590.00} was authorized and correctly posted on my account, the money will be taken out of my bank on XX/XX/XXXX, will file a complaint to the CFPB tomorrow and call bank of america again to dispute and ask for the documents they relied on to make the decision. 

XX/XX/XXXX : Calling Bank of America as soon as they're online at XXXX CST, I called and the representative said she will file a claim for reconsideration and it will take about 45 days to hear a response, filing a complaint now, was provided no official proof that she filed a claim for reconsideration and still have not received any documents of how they reached the conclusion that I authorized the 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 monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
Payments/credits in excess of my interest-savings balance are not being allocated correctly on my XXXX, 2020 Amazon XXXX Visa statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I received emails from the credit bureaus that I applied for a credit card at Citi Bank on XX/XX/2020 but I havent, thats a fraudulent application. I called Citi Bank right away to cancel the application and I explained to them the situation. Please remove the hard inquiry from XXXX, Cbna XX/XX/2020. This was a fraudulent application. Thank you for your help!

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 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I use the XXXX  app and Im trying to update my banking for some reason PNC has blocked them from accessing my account. Which I dont understand since its an app to help people manage their money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I filed my complaint with TransUnion XXXX on line. 

I have not received any information from TransUnion since that time. I have considered filing it via mail but am concerned it will be rejected because it would be the same complaint with the same information and thus considered frivolous.

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 2020-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I took a loan out with XXXX XXXX back in XX/XX/XXXX.for XXXX on my house. After XXXX XXXX  was found Guilty in Federal Court of selling bad mortgages. They sold my mortgage to Chase Bank. When my mortgage was sold to Chase Bank I only owed XXXX on it. Since Chase bank took on my mortgage in XXXX. I have had problems with them. I paid my mortgage picture perfect for 8 years. Then in XXXX I lost my job and experienced a setback. So I ask for a mortgage modification of the XXXX balanced that I owed. Well Chase said they would give me a modification on the amt Amt  I owed. Now Im getting ready to sell my house and they tell me I owe them XXXX. To my surprise I ask them how did my mortgage go from XXXX to XXXX! Them told me because I did the modification back in XXXX! I told them I was not told that Chase would Add Another XXXX dollars to my mortgage! That was NEVER DISCUSSED with me! Chase has Added this additional Amt to my mortgage therefore when I tried to SELL my house I Could NOT CLOSE! Because they have My mortgage Balance at XXXX. I have had 2 different buyers for my house to avoid foreclosure from CHASE BANK! And I can not close on my house because of their INCORRECT AMT on my TITLE. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX 2 charges were charged on my amazon chase account. The amounts were {$5000.00} and {$3000.00} total of {$8000.00} I called my credit card in XXXX when this happened. They reviewed it once and credit it back to my account. Then a month later decide to take it back and feel like it wasnt valid. I have make 2 other reports from XXXX till now. Both declined each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was trying to link my bank account with the CFPB in order to receive funds. PNC would not allow the link to be made

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: FL

Complaint narrative:
On XX/XX/XXXX I ordered multiple items from a store for the total amount of {$780.00}, I never received the product that I ordered, never signed for any product being delivered to me. 
I then contacted the store and they instructed me to file a police report and to send it to them for a full refund. I complied and did not hear from the store so I decided to file a dispute with CitiBank for the amount of {$780.00} for products not received. To my surprise the customer service agent put my dispute as an unauthorized charge which is false. I contacted CitiBank multiple times to let them know that the dispute was for products not received, but they completely ignored me and today I have been re billed for the whole {$780.00} for product that I do not own! their reason is that I authorized the charge, which of course I did but like I told them MANY times, the dispute if for products not received! I even sent them proof on XX/XX/XXXX of conversations and chat logs with the store.

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 2020-07-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I filed my complaint with XXXX  XXXX on line. 

I have not received any information from XXXX  since that time. I have considered filing it via mail but am concerned it will be rejected because it would be the same complaint with the same information and thus considered frivolous.

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 2020-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I was preapproved for a mortgage loan with PennyMac. Initial terms granted me FHA loan 3.5 % deposit for up to $ XXXX financed. When I found my dream home and signed contract, PennyMac changed the terms on my loan twice due to errors they stated in their preapproval process and to accommodate my student loans that were placed in forbearance because of covid-19. I was told that my loan needed to be a conventional loan with a 5 % downpayment. Then, halfway through the process ( 30  days to close ) and after an earnest money deposit was paid, inspection costs, appraisal costs, moving expenses, etc, I was told that my loan terms needed to be modified again. This time to a 20 % down payment and paying off my auto loan. Ten days prior to closing, my loan officer stopped responding to my calls and voicemails. Whereas before I was able to reach him on his direct line and he would respond to my email within 24 hours, I have yet to speak with him again and today is the day before closing. Nine days before closing a voicemail was left stating my rate lock was expiring same day and I would need to pay an additional fee or start the loan process all over again. I contacted my realtor and she was able to get my rate lock extended without additional fees. I called and emailed my loan officer everyday for ten days prior to my closing date on XX/XX/2020. This is my second mortgage loan with PennyMac and the complete neglect and lack of professionalism and attention I received throughout this second mortgage process was negligent. I was supposed to close on my mortgage at XXXX on XX/XX/2020 and was told they needed to work on my loan the day before. An extension was granted until XX/XX/2020. On XX/XX/2020, I received a call from XXXX XXXX, a processing supervisor, stating that they ran my account several times and were unable to get me approved in the automatic underwriting system. They could not explain why or how I was previously approved and suddenly not. 

I am displaced. I have no home. I sold my home in VA and moved to GA the week of XX/XX/2020 to move into my new home. 

DO not use PennyMac to finance a loan for your home. I have a daughter who has been uprooted and displaced with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
How are you? During this COVID-19 I been diligently reviewing my credit and I was shocked when I reviewed my credit report and found repetitive 30 days late, 60-90 days late remarks. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/2019 My credit card was charge twice. {$5000.00} and {$3000.00} I tried to dispute it since then no luck. I wan na file a complaint towards my credit card company for not crediting it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC does not allow me to link my checking account to my XXXX  XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
A medical debt that I legitimately owed was assigned to XXXX, XXXX, XXXX XXXX XXXX for collection. They reported on my credit report that I owed {$5700.00}. On XX/XX/XXXX, I paid off this balance. Instead of my credit report showing paid, XXXX, XXXX, XXXX XXXX XXXX is now reporting that I still owe over {$1800.00}. When I contacted them, the Rep claimed that the balance owed is interest that they charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis received my certified letter XX/XX/20 requesting a Method of Verification regarding their claim that a Chapter 7 with filing number XXXX is verified as correct. They have 15 days to send the documentation. They are outside of the time frame to send the requested documentation. They are out of compliance. I am exercising my rights under FCRA 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: MA

Complaint narrative:
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2019-XX/XX/2020 for XXXX days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The reports wrong again [ XXXX and it can not be changed and because Experian deleted the correct commentary and used their own! Now isn't that surprising? Submission Failed-When you dispute an item on your Credit Report, we will review your dispute and update your Report if we are able to do so based on the information you provided. Otherwise, we contact the company that reported the information and ask them to verify the accuracy of the information in light of the details you provided with your dispute. 
What a rouse and farce that people come before us as good and decent and honorable works indicate the opposite. We have attempted to correct your misinformation - I am not a senior - multiple times and with them. Their reporting always late and inaccurate. If that is not a scam, what is? 
PS how about reading the complain or at lease having someone who comprehends English repair what I have tried to so many years now!!!! 

XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX I'M NOT A SENIOR I AM FEMALE DUH!

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 2020-07-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX filed ftc 45 days ago

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 2020-07-03 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: DC

Complaint narrative:
In XX/XX/2020, I opened a new Barclay AAdvantage Aviator Business Card In XXXX 2020, I setup my Auto Pay for the credit card ( to pay balance in full each month from my Credit Union Checking account ). When setting up the payment, I ( user error ) incorrectly selected Savings instead of checking. So my first payment on the card was NSFd, and I had to setup a manual payment. 

I called Barclays after the incident to ensure that I appropriately updated my auto pay method to select CHECKING account type instead of savings. This was confirmed in the Barlcays autopay system online ( https : //aviatorbusinesscard.com/ ) and by an agent over the phone. 

In XX/XX/2020, my next autopay was triggered, presumably for the updated payment information, but Barclay 's system REVERTED to a SAVINGS account, not my checking account. This cause my savings account to be charged without my authorization. This resulted in three fees I am disputing, totalling {$84.00} : One fee from Barclays on XX/XX/2020 - " Return Payment Fee '' - {$39.00} One fee from my credit union on XX/XX/2020 - " NSF fee '' - {$35.00} One fee from my credit union on XX/XX/2020 - " Negative Bal. '' - {$20.00} I have contacted Barclays approx 10 times regarding this Barclays system issue. The investigation was completed after 6 weeks, found not in my favor, inexplicably. 

Even more concerning is Barclays lack of responsibility regarding this system issue. Even during my most recent contact with them on XX/XX/2020 ( screenshot attached ), their system AGAIN reverted my autopay to SAVINGS instead of CHECKING. The agent refused to acknowledge my issue as " Bank Error ''

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