vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: FL

Complaint narrative:
On XX/XX/2021 I decided to search for a vehicle so I went online to XXXX XXXX  website and applied for a car loan and was pre-approved for {$35000.00} so I took the pre-approved letter to XXXX XXXX XXXX XXXX fl and spoke with the sales manager by the name of XXXX  XXXX I handed the letter to him and shortly after I was approved for the amount with a approved trade in and I was able to drive off the lot with my new vehicle. However, the same day about a few hours later I started getting alerts that my credit was being ran by random lenders and I didn't know why so I called XXXX XXXX to ask why my credit was ran so many times when I had been approved the time my credit was ran the gentleman which was the salesman who sold me the vehicle said didn't know why they ran it so many times. So I'm seeking help from you to have all inquiries in question to be removed immediately because my report was pulled 9 times without my authorization please and thank you. 

Global lending services XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: CO

Complaint narrative:
Hello my name is XXXX and PayPal recently permanently limited my account and isn't allowing me access to any of MY FUNDS for 6months! Im more confused than anything because I've done nothing wrong. It's impossible to get in touch with anybody to try and get a solution or a reason atleast. Ive emailed, called, live chatted, countless times and I'm ignored. I'm completely at a loss right now during this pandemic and im in desperate need of my money PayPal is holding because bills are way past over due. My email address is XXXX. thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm very outraged my disputes haven't been investigated. This isn't fair and against the law. I sent my letter on XX/XX/2020 and it's been more than 45 days and I haven't heard anything back yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes. I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I am a real person and this is angering me that they still haven't responded to my dispute I sent out over 45 days ago. Now I'm asking for help once again. I give authorization for you guys to investigate these items. Please do your job.

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 2021-02-15 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: OH

Complaint narrative:
Submitted multiple disputes with Transunion on regards to. Debt validated letter received from XXXX stating they were unable to locate any account information for me in regards to the accounts placed on my credit report. I have sent in the paperwork sent to me twice and the accounts have been removed and replaced. When I call no one can give me a valid answer as to how this is being handled or why it is not been deleted or how it was validated if the creditor sent me a letter stating they didnt know who I was. I have requested a report for findings on the investigation and have not received one as well.

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 2021-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter to Collins Asset Group requesting for validation for debt they say I owe so things could be handle and I can improve my credit. Its been almost a year and I have received any letters or none of my phone calls have been returned. This has been a negative impact on my credit report and has stressed me out because my wife wants me to use my VA loan for a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am submittng this complaint Reference no : XXXX i have asked capital one that the book balance shows for {$28000.00} short per excel work sheet I have produced and still capital one did not pay me back my money. 
this company and a shop at XXXX as not was not in book balance in which case capital one bank tried to scum over euro XXXX, so after I reported to this office out of {$28000.00}, the XXXX mall, XXXX and XXXX has refunded me in cash via my families hard work. 
I kindly request consumer finance protection office to 1 ) re request to produce hard copies for the last two years ( in which case the bank asked me to pay over {$250.00} for the statement nor willing to do a password reset by giving poor excuse to stop me from my private consumer right ) 2 ) do audit by consumer finance protection accounting expert or independent law firm accountant for this wrong doings in which case it is a federal crime to scum hard working citizens. ( I believe if ever a fair expert research many low income drivers accountant you will surprisingly find huge discrepancies which should be refunded by good standard ) so please forward this issue to be researched by your legal department or civil suit law firm to take legal action or forward those file to government legal aid for corrective measure. 
3 ) capital one bank charged my a credit card payment two times after full settlement. please forward this to XXXX  and XXXX  credit office for further legal action 4 ) capital one is still not willing to do online password reset 5 ) capital one is not willing to send me hard copies of my statement to to hinder me or lawyers from proper audit. 
so please ask this bank to refund me all my balance of {$23000.00} as soon as possible and also please take a legal action. 
thanks XXXX : please share those information with civil suit and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, va XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
XXXX XXXX on XXXX XXXX reported that Bank of America had turned over credit card transactions to federal authorities without warrants or even suspicion of a crime in connection with the rally at the capitol building on XX/XX/XXXX. I was in Washington DC on XX/XX/XXXX for the rally and did so peacefully and patriotically. 

I called Bank of America to see if they had illegally turned over my transaction data to authorities and BOA said they handled this the same as any other request from authorities and that a warrant would be required. I questioned why XXXX XXXX would have made a story of this if it was all standard procedure and the BOA representative was unsure. 

I would like you to look into the circumstances of this to see if my information was illegally shared. And if they did illegally give my information away, BOA needs to be held accountable for this. 

Please get back to me with what you find out after looking into this. 

Thank you for serving the need for justice for all Iowans.

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 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm XXXX yrs old please stop calling me.

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 2021-02-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX credit card limit {$8100.00} opened on XX/XX/20 Is showing as an open an account on my transunion credit report and it is not my account. XXXX XXXX  has already contacted transunion for my removal from account, but transunion has not removed account from my credit report and is affecting my overall fico 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 2021-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$4500.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$3500.00} Account Name : XXXX XXXX XXXX Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$15000.00} Account Name : XXXX XXXX XXXX Account XXXX Account was opened : XX/XX/XXXX Account Balance : {$44000.00}

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 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Parrish and Lebar, LLP
State: VA

Complaint narrative:
My check was wrongfully garnished XX/XX/XXXX. I contacted a representative of Parrish and Lebar and was told that my money could be returned to me. I declined the offer and asked to have the garnishment of {$320.00} applied to my remaining balance. I contacted the law firm today to obtain my balance and to make sure the garnished payment was applied. I was told {$320.00} was applied on XX/XX/XXXX. I received a call soon after from the supervisor. She threatened to garnish my pay again because I didn't make a payment in XXXX. I told her that I did, I let them keep the money from the 1st garnishment. I also explained that my remaining balance owed to XXXX Traffic Court isn't due until NEXT YEAR, so there shouldn't be any more garnishments. She stated that I had a payment arrangement with them and because I didn't physically call in to make a payment in XXXX that she was going to send for another garnishment. My agreed upon payments to this law firm is no more than {$150.00}, they received {$320.00}, that's 2 months of payments. I also told the supervisor that I have XXXX next week and I can not afford to pay anything else at this time due to my medical bills. She basically said oh well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Received a call on my work phone, I stated this is a work number but refused to care. She ignored my request for information on why they were trying to contact me. After back and forth she gave her name and company XXXX with National Credit Adjusters. I told her this is a work number and please remove off call list. She said they will continue to call this number and was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I leased a XXXX XXXX XXXX from GM Financial Leasing. All payments were made on time. At the end of the loan they charged me a {$420.00} termination fee. They have now reported the fee as pass due and it has dropped my credited score 37 points. Just to reiterate all 36 regular payments were made on time, they are reporting me for a fee they would have automatically waived if I had bought or leased another car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2018 I did a consumer credit transaction with Citibank. The total amount of the transaction was for {$3300.00}. Citibank is in violation of 15 usc 1605 ( a ) .A few weeks after the initial transaction I received a bill requesting that a payment be made. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.

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 2021-02-15 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a Citi Bank Visa Card. It has a large credit balance on it since XX/XX/21 and I have asked 3 times since then to have this money returned. I have spoken with two supervisors at XXXX and one supervisor at XXXX. I have been told that my request has been pended until XX/XX/21 and after review, it will take 3-5 business days to return my credit balance to my checking account. I find this to be unacceptable in as much as they were able to take funds from my checking account in just 2 days. Why will it take over 2 weeks to reverse the process? I have verified the dating of these activities and Citi 's own online system shows a credit balance as of XX/XX/21. I am most unhappy with the way this credit card company is handling this situation.

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 2021-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I am writing you regarding this account. You are reporting a 30 day late on XX/XX/XXXX. 

My long-time bank account was victim of fraud at the end of XX/XX/XXXX. My account was frozen during the fraud investigation. The investigation verified fraud as the resolution. The offenders had my bank account # and routing #, therefore my account had to be completely closed and a new account opened. Due to this account closure and opening of a new account, I had to update my payment information with over 20 companies. It has truly been a nightmare, but the current situation with Kohl 's, negative reporting and detrimental impact to my otherwise excellent credit has been the most devastating of all. 

I have had my Kohl 's charge account since XX/XX/XXXX ( 11 years & 4 months ). My account was in impeccable standing. My Credit Limit is {$3000.00}, which is the highest limit Kohl 's offers. I have always been an exceptional Customer. This was a purchase of {$11.00}. I would NEVER not pay a payment on time, certainly not a {$12.00} payment. 

My payment information was updated with Kohl 's online once my new account was opened. I made the payment of {$11.00}. I thought no more of it. I realized when XXXX Shopping on the Kohl 's app I still had a balance. I made the payment again. The payment still did not process. I spoke to Customer Service multiple times in an attempt to clarify and resolve the issue. I did not ever think of the possible repercussions of a late payment to my credit due to processing complications of such a tiny payment & balance. I am truly devastated. A {$11.00} purchase that became a {$13.00} payment has truly devastated my life and my credit. I am in the process of building my first home. Completion is scheduled for XXXX, which means I am within 60 days of closing my mortgage. My Credit Score was in the 800s before this complication. My mortgage loan has been structured around this high credit score. This mixup could destroy my current home purchase. A {$13.00} payment that would not process successfully, due to me being victimized by fraud, has destroyed my excellent credit. I would like to ask, in addition to the honest errors and unsuccessful payment updates, that Kohl 's would be willing to forgive and remove this late payment reporting as a courtesy and goodwill adjustment with a promise to pay all payments in full and on time in the future. I am a loyal and long-time Kohl 's Customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I notified my local B of A that I had unauthorized transactions on my account {$8900.00}. 
It started XX/XX/2020 thru XX/XX/2020, there are about XXXX games, and XXXX charges. 
They asked if I was notified, and I said no I wasn't. They told ne to call the number on back of my card. I called them on XX/XX/XXXX and explained what happened. I got a letter on XX/XX/2020 saying they put {$3000.00} in credits on my new card. They said it would take up to 90 days to research my complaint. I received another letter on XX/XX/2020 that said they investigated and the {$3000.00} was permanent. So I called them on XX/XX/2020 to ask why I wasn't getting the rest of my money. I also told them I found out 2 weeks after I reported it, that my XXXX year old grandson and his friend were the ones who did this. 
I reminded them that they have a " Zero Liability for unauthorized charges ''. The person who took my call didn't have authority to do anything. So I called back and ask for a supervisor, They said to file a new claim for the rest, so I did, however she said that if I were to repeat a charge that had been credited, it would void the amount left. So I called back and ask for a supervisor again and explained that there were hundreds of the same game, I was bound to repeat. Then I was disconnected every 20 minutes, until the 3rd time when I was told they couldn't take my call. I have filed a complaint with Rep. XXXX XXXX 's office and ask for help. They said it would be a good idea to file a complaint with your office also. Thank you for your time. 
Sincerly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ca. 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 2021-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
Someone used my information to take out a Speedy cash loan for XXXX and now it is XXXX for interest added. The company name is AD ASTRA Recovery Services INC. Account # XXXX file # XXXX-XXXX-XXXX  Tel XXXX I did not take this loan out. Please help clear this up Thanks XXXX XXXX

Company response to consumer: Closed with explanation