vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-25 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: PA

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I tried a subscription service for clothing. The product sent did not fit and were mismatched wrinkled and generally horrible. I returned everything and had tracking information to show it. The merchant continually lied and said that I didnt return the items. I have email chains with the merchant that state that they DID receive the items but that they will not issue credit and are trying to force me to accept a store credit and yet they havent issued me either a store credit or a credit to my credit card. Capital one is the credit card and XXXX XXXX is the merchant. The shipments were delayed in shipping to and from the usps and 3rd party returns agency and they are holding me personally responsible. All I want is a credit and I do not want to EVER do business with a shady company like XXXX XXXX again and yet Capital One continues to neglect to acknowledge that the items were returned and I am due a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: TX

Complaint narrative:
The credit Bureaus are reporting an inaccurate charge-off account from XXXX. The account has been paid off this account has been settled and needs to be removed from my account expeditiously.

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 2020-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Financial hardships caused me to fall back on payments. I was told to keep in touch with the company Santander and send what I could. I did all of the suggested. My car was still repossessed and I owed on the car after it was sold. This made me feel like all of my sending out my last to keep the car and catch up on payments were null in void.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: PA

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-25 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: PA

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC
State: NJ

Complaint narrative:
Agreement was GreenSky ( GS ) would NOT pay the contractor, XXXX XXXX, until verification of completion of services. However, the job was never completed. The contractor disappeared mid-job ( I later found out that was shortly after GS paid the contractor in full ) until they received the letter from my lawyer of the lawsuit on breach of contract etc. 
We are currently in litigation with Contractor for breach of contract. We're trying to resolve this, but in the mean time GS is reporting delinquency and adding interest to the account. I have excellent track record of paying all jobs that I contracted for, such as the new roof job, done, then paid in full. Home generator installed per code, paid in full. This job with XXXX  is a disaster per experts. This wasn't even done per code and above all they stopped the work once GS paid them prematurely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NM

Complaint narrative:
XX/XX/2020 I sent money to the wrong person, and they will not refund me. I requested my money back thru the cash app station like they instructed. The person with my mom denied my request. 


I am a single mother working to make ends meets for my daughter, and I. Today is XXXX, and i am hoping for a miracle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: GA

Complaint narrative:
Hi I had a PNC CHECKING FIR 2 YEARS AND JUST OPT INTO OVERDRAFT PROTECTION AND HAD IT 2 WEEKS AND GOT HIT WITH 12 OVERDRAFT FEES. I AM A VICTIM OF IDENTITY THEFT AND BELIEVE MY ACCOUNT WAS PLAYED WITH I SHOULD ONLY HAVE 1 OVERDRAFT OF XXXX DUE TO MAKING A MISTAKE AND CLICKED ON MY DEBITCARD. WHEN I MADED A PURCHASE OF XXXX. I AM A XXXX  CITIZEN AND THESE PURCHASES WERE DEBIT AND ADDED BACK A LATER DATE AND MADE MY ACCT OVERDRAWN. ONE XXXX  OF XXXX FROM MY SISTER WAS ATTACHED TO OVERDRAWN FEES AND THE MONEY WAS POSTED BEFORE I SENT TO MY XXXX  XXXX AND ITS NOT RIGHT. PNC KNEW I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On Sunday XX/XX/XXXX, I woke up to three Paypal email alerts. The first said that I logged in from an unrecognized device, the second said that I opened up a PayPal XXXX Credit Card, which I had not, and the third said I had a pending purchase for {$1900.00} to " XXXX. '' As I had not taken any of these actions, I immediately logged in and tried to dispute or cancel the charge but I was unable to do so. I attempted to contact the fraud department and took the following steps : ( 1 ) Pressed dispute for two other options ( XXXX apple and {$47.00} for XXXX XXXX XXXX trying to flag my account to make sure the pending purchase would be investigated by a human. In the notes section I wrote please investigate the pending charge. This is not a dispute for the charges selected. I got an email back saying XXXX and XXXX were legitimate charges and nothing about the {$1900.00} charge ; ( 2 ) I immediately tried to call Paypal but no one was there the message said " chat with us, '' so I sent a message trying to get in touch with the fraud team ; ( 3 ) Contacted Paypal via XXXX on my account and my husbands account. Started to secure my account by deleting personal information including credit card, bank accounts, addresses, contacts etc. and the fraudulent paypal credit card key. 
I also separately spoke to XXXX. To research on their end, they wanted the Paypal XXXX  and the order number, neither of which PayPal would provide to me. I also called Mastercard ; they could not track the PayPal XXXX  that was created to cancel the transaction. I also spoke to XXXX XXXX and Visa and they said the PayPal fraud team must reverse the charge. Finally, I filed a police report about the fraudulent activity and PayPal 's lack of assistance with the matter. 
The next day, on Monday, XX/XX/XXXX, I received a text message stating that my purchase was declined. I was thrilled and asked PayPal via messenger and XXXX to put the money back in my account because I wanted to transfer it to the bank. However, my account was still at XXXX  and the transaction still said pending despite the text. 
On Tuesday, XX/XX/XXXX, I received a text message that the purchase was declined. I again asked PayPal via messenger and XXXX to put the money back in my account because I wanted to transfer it to my bank account but the account was still at XXXX  and the transaction still said pending. '' That evening, I logged on to Paypal and saw the transaction was approved instead of pending. I immediately logged a detailed dispute. 
On Wednesday, XX/XX/XXXX, I woke up and saw that my dispute was rejected and called the police to file a report for larceny.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
In recently contacted DRS Debt Recovery Solutions LLC ( XXXX ) Address : XXXX XXXX XXXX # XXXX, XXXX, NY XXXX regarding a debt that was placed for collection on my account. I spoke to a representative due to the fact that I have never received any notifications regarding this account and I have no idea where it came from. The representative stated they would not be able to go into detail regarding the origination of this account. they then went on to verify my information, upon doing so they noticed the address they had on file was incorrect. The representative stated that they would remove the collection from my account in order to give me time to respond to the debt and the information they would send. he also stated that he would mark the account in their system as disputed. The account was never removed and I never received the any information regarding this debt. i disputed this account through XXXX  and they did not remove it this is a direct violation of my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
In 2019 I opened a cell phone contract with XXXX XXXX XXXX. A few months later, I decided to upgrade my phone early in the XXXX XXXX. I traded in my phone and the upgrade was complete. I got my next bill and it was about double what the bill typically should have been. I also noticed there was an additional line on my account. I called XXXX XXXX XXXX and was told that the representative in XXXX signed me up for a buy one get one deal, so I was being charged for 2 phones and 2 lines of service although I only had one. I asked what could be done to fix it, and I was told to return the phone that I had gotten in XXXX  and the contract would be cancelled, and I would be charged nothing additional. I returned the phone, and XXXX XXXX XXXX claims that the return isnt reflected being reported by XXXX even though I have provided XXXX XXXX XXXX the return receipt, they need the return to be reported by XXXX. I had gone to the XXXX  store, and the manager on duty spoke to a manager at XXXX XXXX XXXX. Neither business wants to adjust my bill, they agree that I shouldnt be penalized for the mistakes made at XXXX, but XXXX XXXX XXXX refuses to waive my bill. They are billing me for a phone that was returned to XXXX as well as services for an additional line that never existed. I am outraged and disgusted by XXXX XXXX XXXX. Theyre ruining my credit as a result of something that is absolutely not my fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: TX

Complaint narrative:
The credit Bureaus are reporting an inaccurate charge-off account from XXXX. The account has been paid off this account has been settled and needs to be removed from my account expeditiously.

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 2020-12-25 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: TX

Complaint narrative:
The credit Bureaus are reporting an inaccurate charge-off account from XXXX. The account has been paid off this account has been settled and needs to be removed from my account expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
Hello, I wish to address/complain about a money transfer transaction I had with MoneyGram.com. On XXXX XXXX. I intended to send money from the U.S. to a friend in XXXX. 
I chose to use MoneyGram services willingly and chose to pay for the transaction using my credit card and not my debit card after I called MoneyGram. The fee charged for paying with debit card or credit card was the same.

I called MoneyGram to inquire how my credit card would be charged. I asked if my credit card would be charged like a regular store or online purchase or charged as a cash advance ( thus incurring fees from my credit card issuer ). I was told the transaction would be charged as a purchase and not a cash advance. Hearing this I found it a better/safer option to pay for the transaction with my credit card. 
Upon receiving my credit card statement, I come to find out MoneyGram charge my credit card as a cash advance, thus incurring cash advance fees and interest fees. 
My credit card tells me there is nothing they can do unless I wanted to contest the entire credit card charge from MoneyGram as fraud. I told them no since I did intend to make transaction and was only disputing the cash advanced fees and felt I was lied to about how my credit card would be charged. 
I called MoneyGram and was told there was nothing they would do but they did apologize for be lied to. They said I could write up a complaint on their web site and submit it. Im sure nothing will come from this. 
The Consumer Finance Protection Bureaus name and phone # was on confirmation email I received from MoneyGram so I thought I would tell my story to you for what it is worth. 
Im sure nothing can be done nor do I expect anything to be done in getting the cash advance and interest fees refunded to me. Unfortunately a bad lesson learned and a customer who will never use MoneyGram again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I have tried to apply for the XXXX XXXX with Huntington Bank on several various occasions and just recently applied, within the last several weeks, for this card. I absolutely understand the credit criteria that is involved with Huntington Bank for their cards, but this is highly ridiculous. I have more than $ XXXX hitting my checking account each month, have a debt to income ratio sitting at 7 %, and have over {$14000.00} sitting in a savings account with them. Doesn't anyone look at my account relationship or the nature of the amount that is hitting those accounts or do they simply use a ridiculously outdated scoring system without consideration of trying to broaden a relationship with their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I've been trying to get a clear understanding of why I was charged an XXXX FEE TO APPRAISER - {$170.00} by my lender ( NewRez ) since prior to closing the property. In brief, I transferred the appraisal from my previous lender XXXX XXXX XXXX. However, I was charged both an " Appraisal Transfer Fee ( {$25.00} ) '' and an " XXXX Fee to Appraiser ( {$170.00} ) ''. This property was not appraised with this lender ; meaning, there was no appraiser with this lender and the {$170.00} fee on the XXXX XXXX doesnt make sense. I asked this question before closing and I am not convinced it should have been charged. 
XXXX FEE TO APPRAISER to BROKER FBO APPRAISER B - {$170.00} APPRAISAL TRANSFER REVIEW to LENDER - {$25.00} It's frustrating that NewRez can not answer questions on a loan they closed. So far, I've spoken to XXXX ( the broker ), XXXX mortgage closing team, their servicing team and the concierge team on this issue without a resolve ( and responsiveness ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: CA

Complaint narrative:
My letter was ignored.I wrote to Experian on XX/XX/16 regarding false inquiries. The letter was ignored and there was no change to my report.

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 2020-12-25 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: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
Santander messed up my credit report, long story short, I fell behind on my car payment due to me losing my job which I reported to Santander due to me losing my normal income to receiving unemployment. I kept in touch and after receiving a new job and paying my past due balance, which this payments was reflected in my account they still reported my car as repossessed. So I called about this matter and they stated I needed to hand write a letter explaining this and they could fix this on my credit report which this is on ALL THREE CREDIT REPORTS. I wrote the letter and they stated they do not do acts of kindness for matters like mine. My payments since then have all gone to interest and almost nothing to principal. They have ruined my credit and I have still been paying as I should and my car has NEVER been repossessed and is still in my possession. Santander has messed my credit up so badly I can't even get my first home. And this lawsuit against them for them to pay my car off for their wrongful lending, I was never notified by Santander. I am still paying interest on a car that has jumped up so high unknown to me, that I will never pay it off! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My FCRA rights have already been violated at this point. I have attempted to rectify this issue but to this point haven't received any updates whatsoever on this matter. There was no notice that a proper investigation has taken place or in process. Upon viewing my credit reports I noticed TARGET/TD had a discrepancy in the " account number '', " date of last activity '', date of last payment '', date opened '' and " payment history '' section of the listings. XXXX and XXXX are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX  is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. Also this account is being reported as a collection/charge-off which means there should be no payment history reflecting on the credit report. This is a violation! This account is also reflecting a " past due balance '' of {$1500.00} which is another violation if your reporting this account as a collection/charge-off. You cant report a balance owed and a " past due '' balance as well. If this is the same account, reported by the same creditor how are these numbers and dates different? Because of this apparent neglect in ensuring everything on my report is accurate consistent and up to date please " DELETE '' this item immediately.

Company response to consumer: Closed with explanation