vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Payments were made to XXXX MASTERCARD ( 17 ). I pay my bills by XXXX bill pay, so one digit was put in incorrectly into the system, the payments got lost in the system. It was caught many payments later. I explained what happened to XXXX. After months of dealing with overseas tele representatives, who really did not know what was going on, they decided that I really wanted the payments that I made on my card to be made on my husband`s card. NO notice give, they took the credits from my account and put them on my husband`s account. Is that even legal? I have all the transaction and trace numbers. I really would like this matter to could to some resolution and quickly. I even had one representative tell me " that`s a lot of payments for one month ''. meaning, I must have meant some of them for my husband. 
payments start from : XX/XX/XXXX XXXX {$75.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$200.00} XX/XX/XXXX " {$150.00} XX/XX/XXXX " {$120.00} XX/XX/XXXX " {$300.00} XX/XX/XXXX " {$250.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$100.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$50.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$75.00} XX/XX/XXXX " {$50.00} All these payments were deducted from my account and deposited to my husbands account, however they should have been deposited to his account and my account left. I have all my credits for my accounts too as proof of payment, that they were meant to go to my account. I am not a well person and we have financial difficulties as are many families at this time. we certainly do not need this. 
One foot note to add is I pay all the house hold bills, so the check will have my name on it, but the account number is my husbands. the fourth from last digit was incorrect on the account. my number is nothing like my husbands number.

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 2020-04-24 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: AES/PHEAA
State: NV

Complaint narrative:
In 2017, I attempted to complete an Income-Driven Repayment play the Fed Loans for my student loan debts. Due to errors in communication between the lender and me, there was a delay in completing the application and I was late on a payment. 
The payment that I was late on was one amount. Ultimately, the application was completed and one, the monthly payment was again established at a lower rate based on the Income-Driven Repayment plan. Upon a recent review of my credit report, it came to my attention that I am reported by Fed Loan Services to have made 15 late payments. After further reviewing this reporting, I noted that rather than reporting one late payment, as I make one payment to Fed Loans servicing, Fed Loans reported that I made 15 late payments because I was late on the one amount that is paid to the lender each month. The lender does not ask me to make 15 different payments for each of my loans for which they serve, rather, one payment which the lender then distributes to the 15 individual loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Credit reporting agency still providing false information saying that information is accurate failed to provide me with method of verification Experian used third party vendor which is XXXX XXXX they are reporting false information I provided documentation and will provide again if this is not resolved in 15 days I will file a lawsuit against third party vendor and Experian for violation of FCRA

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 2020-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Omega RMS, LLC
State: CT

Complaint narrative:
Working with this company to try to help consolidate student loan debt. They were a 3rd party loan collection agency that said they will work with my federal student loan servicer. They were collecting payments during XXXX, XXXX, XXXX of 2019. Come to find out they were scamming people and not working with any federal loan servicers I had loans with. They took close to 800.00 $ of my money by account withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX XXXX a note in the amount {$80000.00} for a personal loan through SunTrust bank was due in full. The original loan was taken out by myself and my x-husband over 10 years ago. In XXXX we filed for divorce and the judge in our case assigned the entire debt of the loan to my x-husband. For the past 4 years I have desperately tried to get SunTrust to assist me in taking my name off the loan. SunTrust told me that only my x-husband could take my name off the loan. SunTrust then refused to help me in this matter even after I filed my first complaint with the CFPB a few months ago. SunTrust told me to wait until the note was due and see if my x-husband would pay it off or not. So here I am trying again to get the bank to tell me what happened exactly with the note and they have refused to tell me specific information that I need to know in order to determine what plan of action I need to take. I have no way of receiving any mail from the bank because it goes directly to my x-husband. He refuses to share any information from the bank about our loan to me. On XXXX XXXX I called SunTrust bank and explained my situation on how I have been denied information for a loan that my name is attached to. A bank representative gave me the name of the individual that had been assigned to our case. I was then told that the note WAS NOT paid off only a payment of {$1400.00} was made on XXXX XXXX. So since that date I have called this individual 4 times and left detailed messages on why Im calling and asked him to call me. I have NEVER received a return call and it has been well over a month. So on XX/XX/XXXX I called this representative one more time to then have a recording tell me his voicemail box was full and would be unable to leave a message. I was irate at this point and called SunTrust again for help with getting this man to call me!!!! I even began to doubt that this person even worked for SunTrust bank. The bank told me he was still employed by them and they sent him a direct emailed asking him to contact me as soon as possible. The bank told me if he didnt get back with me to call them back. This is absolutely ridiculous and unprofessional in every way. I do not know what else to do in order to get help with this matter, so Im filing this complaint in order to see if the CFPB can contact SunTrust for some answers in my case. Please feel free to contact me at any point and I can provide the exact name of the individual at the bank that has refused to assist me. 
Respectfully Yours, 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 explanation
Consumer complaint received 2020-04-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have passed the initial thirty day mark, and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA, they are required to .... " Promptly delete all information which that can not be verified '', that I have disputed. Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I previously disputed this account with your company Experian and it resulted in you verifying this entry. I am once again demanding validation of this alleged account for the second time as I have yet to receive sufficient documentation that legally shows I am responsible for this matter. 

In addition to requesting validation, I am formally requesting your method of verification for these entries that I have previously disputed, please supply me with any documentation you may have on file to aid your stance. 

******** ( Copied from Affidavit of Method of Verification ) ********

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 2020-04-24 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
company is reporting information that's not true on my credit report should be on there that should be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: AR

Complaint narrative:
I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX  XXXX {$5100.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX/ XXXX {$11000.00}

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 2020-04-24 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$5100.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX/ XXXX {$11000.00}

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 2020-04-24 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/2020, I did a wire transfer from my XXXX bank account in XXXX XXXX to my old and already closed XXXX XXXX   account in XXXX XXXX, MO. My intention was to send the money to my current XXXX XXXX  account, but I sent it to the closed one by mistake. 
I have already contacted XXXX XXXX  and they told me that on XX/XX/XXXX the money was sent back to Bank of America which is the intermediary bank. Ive already communicated this to the International Wire Department several times over the last 2 weeks, but they keep telling me XXXX XXXX needs to submit a request recalling the transfer so that Bank of America can return the money to my XXXX account. 
XXXX Customer Service is requiring me to go in person to the branch where I have my account in XXXX XXXX in order to send the request in my behalf but due to the present circumstances traveling is not an option right now nor in the near future. 
This amount of money is the sum of three months of my pension and essential for my daily living so I am asking Bank of America in the most attentive way to please return the money to my XXXX account in XXXX as soon as possible so I can make the wire transfer to my current XXXX XXXX  account.

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 2020-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
I recently pulled my credit report from all 3 bureaus and Wakefield and Associates located XXXX XXXX XXXX XXXX, TN XXXX. Reported and alleged medical debt as a loan to XXXX   XX/XX/XXXX. In reference to a date of service of XX/XX/XXXX. Sine this has been reported $ XXXX monthly has been added to what's due. Original amount was {$680.00} with a balance of {$760.00}. I contacted the debt collector as was told that they could settle on XX/XX/XXXX for {$610.00} if I made the payment while on the phone. The rep also stated that it was an ER visit, then XXXX visit which drew suspicion with me. I was then told by the debt rep. that a claim was submitted to my insurance company ( XXXX ) and it was denied. I then politely ended the call and contacted XXXX who researched this information and did not find a hospital claim or physician claim for that date of service or amounts in question. XXXX also checked denied claims and it didn't exist. XXXX also informed me that you CAN NOT charge intrest on a medical debt. I then followed up with the XXXX and XXXX Hospital Billing and it was NO debt for this. Nor, do they deal with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have contacted Equifax 7 times in the last 8 months to clear up a collection on my record. The collection was cleared. Equifax has not responded to my letters, emails and they have their online dispute system locked. Equifax has other misleading information on my account and they have not responded to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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

Complaint narrative:
Hello, PayPal has limited my account ( On XXXX XX/XX/XXXX ) for 6 months, And after that, they withdraw my money coming from selling on XXXX to another Account PayPal ( ON XXXX XXXX XXXX ). Without my authorization. 
( 3 operations with proof currency : XXXX USD XXXX CAD and XXXX EUR ). 

I have written and called the customer service but no solution at this time. 

I like to have all my fees paid for all four years with PayPal, and damages Because my activity is stopped by PayPal. ( I'm an honest XXXX  on XXXX  ). I XXXX XXXX XXXX   on XXXX only that. 
( No case with buyers on XXXX and Paypal  too ) They tell on one email : PayPal has taken my money like damages because I dont respect the policy of PayPal! 


From : PayPal Customer Support Mark As Unread Print Delete RE :  Email address XX/XX/XXXX at XXXX Dear XXXX XXXX, Thank you for contacting PayPal regarding the limitation on your account. 
PayPals User Agreement explicitly states that sellers who violate our Acceptable Use Policy may be liable for damages up to {$2500.00} USD per violation. These violations may include the sale of prohibited Adult or Offensive Content, Drugs, Counterfeit Goods, etc. We have dedicated teams and robust internal processes to ensure adherence to our policy, and the company may look to recover damages from sellers who have broken our agreement. 
Sincerely, PayPal -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Copyright XXXX  PayPal. All rights reserved. 
Responses to this email address are not monitored. 

Sent : Thursday, XX/XX/XXXX XXXX XXXX ( XXXX ) PayPal Customer Support :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from 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 2020-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I paid my Capital One credit card in full on XX/XX/2020 of {$6000.00}. On XXXX XXXX they charged me interest of {$69.00} on a {$0.00} balance. I tried several time to call and they stated that they can charge interest on the balance from a previous billing period. I was charged over {$130.00} each month in interest so I paid it in full. The next to last call the woman stated they could waive the charge due to Covid. The last time I call the person barely spoke English and hung up on me. I tried to call back but no one would answer the phone. Today, I looked to see if they responded to my letter and found they charged interest on the interest. I am frustrated as this is a huge company and the idea that they can charge interest on a {$0.00} balance ( bill was due XX/XX/XXXX ) is outrageous.I have XXXX  small children and used my income tax to pay off this debt. I no longer have the Walmart Capital One card as I misplaced it. Is this common practice to charge interest after the account is paid in full? I am closing this account but I do not want this balance reported to the credit bureau as default. I am struggling to keep my home and pay monthly bills hoping this situation can be resolved. I paid off other credit cards and not one charged me additional interest after paying in full. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from reporting on my credit Experian Report Number : XXXX Account Name : XXXX/XXXX   Account number : XXXX Date open : XX/XX/XXXX {$750.00} {$770.00} Account Name : XXXX  XXXX XXXX  XXXX  Account number : XXXX {$700.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX XXXX  Account number : XXXX {$1000.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX  XXXX Account number : XXXX {$1600.00} Date open : Date open : XX/XX/XXXX By Mail Only Account Name : XXXX XXXX  XXXX  Account number : XXXX {$2900.00} Date : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$330.00} My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could 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