vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 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: NY

Complaint narrative:
Hi, In mid XXXX i bought a travel package with XXXX ( winter ski festival provider ). Due to covid 19 they had to cancel and promised me verbally and over a few emails a full refund by XX/XX/XXXX unfortunately after that timeline they totally started ignoring me and my emails, so i went ahead and disputed the XXXX charge and citi cided with them to provide a voucher instead which i have 0 use to now.

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 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo closed my personal and business accounts without proper notice and unjustly. 
I was told to come into the branch to provide my social security card which I did. 
A few days later my account were placed on hold ( XX/XX/2020 ) anyway. 

I took the time out of my busy schedule to come back to the branch to provide my social security card again. 
A few days thereafter holds put on my accounts again. 

Shortly thereafter, without notice, my accounts were closed a day before I want to go out of town. 

The branch told me that showing my social security card was not good enough even though this is what they requested. 

By closing my accounts wells Fargo has caused me much financial hardships. 

In addition, Wells Fargo has made me miss out on my SBA Grant of {$2000.00} that was supposed to be placed into my business account in XXXX. 

My short membership with Wells Fargo has been a terrible experience.

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 2020-07-15 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: MA

Complaint narrative:
PayPal - negative {$4100.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$4100.00} 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 {$4100.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Im trying to link my bank to the XXXX XXXX and it wont let me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I submitted on XX/XX/2020 to all 3 major credit bureaus a method of verification letter. Prior to this all 3 bureaus stated that the disputed information ( bankruptcies ) were verified by XXXX a 3rd party. I contacted XXXX and received a letter stating that they were unable to verify that these accounts were mine so they deleted them from their records. None of the credit bureaus followed suit. I also sent the disputed information regarding names that appear on my credit report along with unauthorized inquiries. I have had no avail and it's beginning to be very frustrating to say the least.

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 2020-07-15 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: OR

Complaint narrative:
Completed XX/XX/2020 PayPal - negative {$1400.00} XX/XX/2020 Transfer PayPal - negative {$1400.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$1400.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$1400.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; PayPal 's damages caused by Acceptable Use Policy violation XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX report and collection XXXX XXXX amount on my XXXX Credit report i never received and bill from XXXX XXXX verifying i has and outstanding cable bill. 
For the amount of {$400.00} dollars When i has cancel cable in XXXX and service was cancel in closed account. 
Inwhich i never received notice from the creditor charter verifying i owe and outstanding cable charges on and close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: NV

Complaint narrative:
I submitted on XX/XX/2020 to all 3 major credit bureaus a method of verification letter. Prior to this all 3 bureaus stated that the disputed information ( bankruptcies ) were verified by XXXX a 3rd party. I contacted XXXX and received a letter stating that they were unable to verify that these accounts were mine so they deleted them from their records. None of the credit bureaus followed suit. I also sent the disputed information regarding names that appear on my credit report along with unauthorized inquiries. I have had no avail and it's beginning to be very frustrating to say the least.

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 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One is reporting my account 60-90 days past due and has not reported to the credit bureaus since may. Since then many payments have XXXX made and My account is currently up to date since 6/30

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Bank of American and XXXX, XXXX, XXXX   credit bureaus. 
I purchased a XXXX XXXX financed by Bank of America in XX/XX/XXXX. The vehicle was a total lost on XX/XX/XXXX. BOA reported my credit as 30 days late for both XXXX / XXXX XXXX. I had a GAP Policy that covered this vehicle, which I was told when GAP pays it will be reported as paid in full. However, BOA is reporting it as a late payment for XXXX / XXXX. I dont think it should be on my report, after the had already received a check from GAP for this balance. Since then, BOA has financed another vehicle for me, but reporting this one as being 30 days late for XXXX / XXXX on my credit report. If I would have known, BOA was going to report this late fee on my account for a car that was totaled in XXXX. I NEVER would have financed anything Else with BOA. I have reported supporting documentation of confirmed payment. We are in the middle of a pandemic, the process with GAP may have been slower than usual due to the pandemic, but its unfair to make me suffer for this catastrophic. This is poor business in a ROCKY pandemic world. I have never had a late payment on my credit report and I am appalled at the action of BOA. This makes me sick to my stomach. I am asking BOA to remove the false statements made on my report. BOA received payment from Travelers in XXXX, but continue to try to collect payment from me. Please see attached documents. I will not stop until there is a fair decision made on this manner. Thank you 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 2020-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX is reporting my account 60-90 days past due and has not reported to the credit bureaus since may. Since then many payments have XXXX made and My account is currently up to date since 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 2020-07-15 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: OR

Complaint narrative:
PayPal - negative {$3500.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$3500.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3500.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I was listed as an authorized user on an account, ( TD Bank credit card ), in order to help a woman who was physically unable to do her own shopping or fill her prescriptions. Now, years later, I find {$21000.00} in charge-offs for that card showing up on my credit report and damaging my business credit. 

I was never an account holder, simply an authorized user. 

Disputed with no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 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: IL

Complaint narrative:
This is a follow up complaint to a previous case. 

Capital One Case : XXXX CFPB Case : XXXX In XX/XX/XXXX, you helped me obtain a resolution concerning a pair of accounts ( ending in XXXX and XXXX ) that Capital One reopened against my wishes. Their justification for doing so was that the joint owner of the account requested it be reopened. I had paid off the account in XXXX for the specific purpose of closing the account - the joint owner had no income and used the account without my knowledge. 

As a result of COVID and being out of the country, I lost track of the account that wasnt paid off in XX/XX/XXXX. Though they considered me joint owner, I received no statements, had no online access, and received no phone calls, letters, or other notification regarding the balance. 

On XX/XX/XXXX, Capital One reported a late payment on my credit report, reducing my credit score by 40 points. I am in the middle of applying for financing for my new business, have an automobile lease renewal coming up, and am preparing to apply for student loans for my child. The negative impact of their reporting is substantial. 

The day after I received notification of the late payment reporting, I called Capital One and paid the balance in full, over {$1000.00}. I asked why I was wasnt notified of a balance. They said that I was not the PRIMARY cardholder. How can I be a JOINT cardholder, held responsible for someone elses actions, yet I dont qualify to be notified when there is an issue with the account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Hi received marketing material from citizens bank about a cash bonus offer of XXXX if I fulfilled requirements - XXXX XXXX direct deposit within 60 days from account opening. The account would need to remain in good standing. I opened the account in XXXX of XXXX. My direct deposit went into the account on or around XX/XX/XXXX. I believe I added the promo code to the account opening application at the time but I had issues with the site. The site was also advertising the bonus at the time i wasnt too concerned but to be safe I also followed up with citizens after I opened the account to ensure the offer was attached to the application. I was told it was. On or around XX/XX/XXXX ( approx ) I fulfilled the direct deposit / offer requirements. 

I contacted citizens several times and was told the cash bonus would be paid XX/XX/XXXX. I sent several emails and even provided them with the code because I saved the marketing flyer. I spoke to a manager who then had it forwarded to a research team. The woman emailed me and mentioned that she would get back to me in 24-48 hours but I never heard from her again. I followed up via email. Nothing. I reached out several times but at this point it is beyond my comprehension how a bank can advertise like this and then make it so difficult to receive the promotion after fulfilling the requirements. Please address this. Hopefully it is not happening with others. 

I Reached out XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The code for the promo was provided and a rep on XX/XX/XXXX said it was good. I took a look at my notes and old mail. 

I believe this is the code below. It was one or the other. I cant remember but the mailer I have shows the first one below. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Bank of American and XXXX, XXXX, XXXX   credit bureaus. 
I purchased a XXXX XXXX financed by Bank of America in XX/XX/XXXX. The vehicle was a total lost on XX/XX/XXXX. BOA reported my credit as 30 days late for both XXXX / XX/XX/XXXX. I had a GAP Policy that covered this vehicle, which I was told when GAP pays it will be reported as paid in full. However, BOA is reporting it as a late payment for XXXX / XXXX. I dont think it should be on my report, after the had already received a check from GAP for this balance. Since then, BOA has financed another vehicle for me, but reporting this one as being 30 days late for XXXX / XXXX on my credit report. If I would have known, BOA was going to report this late fee on my account for a car that was totaled in XXXX. I NEVER would have financed anything Else with BOA. I have reported supporting documentation of confirmed payment. We are in the middle of a pandemic, the process with GAP may have been slower than usual due to the pandemic, but its unfair to make me suffer for this catastrophic. This is poor business in a ROCKY pandemic world. I have never had a late payment on my credit report and I am appalled at the action of BOA. This makes me sick to my stomach. I am asking BOA to remove the false statements made on my report. BOA received payment from XXXX in XXXX, but continue to try to collect payment from me. Please see attached documents. I will not stop until there is a fair decision made on this manner. Thank you 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 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC does not connect with XXXX for me to complete and send transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX The Home Depot account was paid in full ( see attached ). A late payment hasnt been reported since XX/XX/XXXX ( see attached ), after paying in full theyve added a late payment for XX/XX/XXXX. This is totally unethical, immoral & should not be reporting late. I attempted numerous times to contact THD to settle this debt and it took a month to get ahold of someone to take care of this.

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 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Trying to link my bank account to XXXX app which is a money advancement app and it states pnc has made changes that will not allow my account to be linked. This was never an issue. Ive used it many times and used other money advancement apps before without issues and none work now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
At the initiation of me surrendering my property back to the mortgage provider, I sent paperwork, legal documents and other pertinent information due to the home being sold illegally by a builder who was not licensed to build a home. Inevitably, the home 's foundation failed. The home sold at auction in XXXX. The mortgage account was closed with the correct payment statuses listed in my report. There is no foreclosure listed, and that is correct. In XX/XX/XXXX, I received a 1099C with and identifiable code of G which is identified as decision or policy to discontinue collection. Not identifiable code D, which is foreclosure. Which is correct. I have repeatedly requested the loan company update my credit report to reflect this and remove any remarks listed. Nothing has been done although my XXXX  report has been updated as of XX/XX/XXXX to reflect a foreclosure code. My XXXX  report is correct. My Equifax report still states foreclosure. 

The mortgage company has failed to remove this information from my credit bureau reports after multiple attempts. Either I need an updated tax form or they need to remove all remarks and statues stating foreclosure from my credit bureau accounts.

Company response to consumer: Closed with explanation