vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
XX/XX/XXXX a transaction was declined. I checked online banking and saw 3 wire transactions were done and we went to the bank and called customer service. We were issued new debit cards and told nothing could be done until the pending wires were posted to the account. I worked the next 2 days XXXX, and on XX/XX/XXXX my husband and I went back to the bank and filed a dispute. I have called everyday and not getting our funds back and the bank is making it seem like we did something wrong and might not see the funds again. Unacceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 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: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: IL

Complaint narrative:
For the past 3 weeks Ive been trying to access my funds but this bank froze my account asking for verification of my id, social security and address. I sent pictures of my passport, social security card and my SSI award letter with my address. I am currently living with a family member since I am on XXXX and can not work so I have no bills or paystubs with my address. This bank wont accept my award letter and will not allow me to get my only money to live. They are discriminating against those that relay on family to live with. How can I show my address on a bill when I dont pay any. Im 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 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I just opened a bank account with Bank of America on Sunday. XXXX account was denied, the other was open. I said, fine, I have a bank account now. I tried to transfer {$100.00} TO the account but my bank declined it to BOfA. 
Monday, I went to deposit XXXX in the bank account in cash. They accepted the cash, the deposit was done XX/XX/2021 at XXXX AM, and I also switched my payroll direct deposit TO BOfA account. Again these are all TO the account, not withdrawals at all. It should have been clear to the bank that this was my account. However, I tried to log in XXXX  and XXXX  to check my balance. Unfortunately, the bank stated that my account, without notice, after accepting XXXX paycheck from my employer and the XXXX, CANCELLED the account. 
They said I would get the funds reissued in a cashier 's check. But WHEN? I am writing this complaint to make sure I see these funds as quickly as possible and they don't hold them or make up some fees, because I feel it is a very misleading bank and I am greatly disgusted. Thank you.

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 2021-11-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
CFPB complaints XXXX and XXXX were filed on XXXX XX/XX/2021 against Equifax for failing to re/investigate inaccuare/unverifiable information furnished by XXXX XXXX XXXX. Equfax responded on XXXX XX/XX/2021 claiming an investigation had been conducted and results had been mailed. 

Unless Equifax examined the documentation supplied and REMOVED the inaccurate/unverifiable information, it is unlikely an investigation was actually conducted. 

The offending information has been persistent on my credit report for over one ( 1 ) year with Equifax claiming its validity simply because the data furnisher reported it through eOSCAR.

It is quite clear from the attached documentation the information reported by Equifax, and furnished by XXXX XXXX is invalid and patently unverifiable given the errors perpetuated by XXXX billing and paymenr reporting system ( s ). 

XXXX 's failure to properly process deferments and forbearances, and subsequent failures in adjusting statement generation, and billing schedules has hindered my ability to borrow from the XXXX XXXX XXXX XXXX ( XXXX ) which is needed to finish my XXXX XXXX. The cited issue by XXXX IS the invalid/unverifiable information on my Equifax credit report for the XXXX XXXX accounts . 

By furnishing the invalid informaton to potential credit grantors, Equifax is now a party to impeding completion of my education program and is now affecting my future employment opportunities because it is knowingly and willfully reporting information that is patently invalid/inaccuarte and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
On XX/XX/21 I made my monthly mortgage payment for the monthly amount due XX/XX/21, using Mr. Cooper 's online portal specifically for that purpose ( not the portal for additional principal payments. Mr. Cooper nonetheless designated my payment as a principal payment, putting me in danger of being delinquent on my monthly mortgage payments. Upon learning of this on XX/XX/21, thankfully in time to prevent a delinquent payment, I contacted Mr. Cooper via phone, message, and chat requesting that the misapplied payment be corrected. Mr. Cooper employees agreed to correct the error but refused to provide written documentation on the date my monthly mortgage payment was due other than what I could print or capture from the screen of the Mr. Cooper web portal. Additionally, an employee told me that Mr. Cooper is in the practice of applying payments specifically designated as monthly payments to principal and refused to provide assurance that future payments will be applied to monthly payments per my express direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, I attempted to purchase 1 set of tickets from XXXX through my PayPal account and I was charged twice due to a fluke in the system. With my bank, I stopped payment on the duplicate amount. My account balance reflected negatively with PayPal {$430.00} and I disputed the amount with PayPal because of the duplicate charge and never receiving the tickets from the order. The dispute was won in my favor and Papal received the chargeback of {$430.00}. 

I have many transactions coming in and out of PayPal and I am unable to utilize my checking account as they have restricted it. I have been a customer with PayPal for over 11 years, since 2011 and I have used the same checking account that is now been blocked. I do not have repeat patterns of abuse and I can not even pay my upcoming bill with my checking account, which is due XX/XX/XXXX. 

I was advised to borrow money from a friend to put in my PayPal balance or link a new checking account in order to pay my bill. I have over $ XXXX-XXXX  worth of transactions going in and out of my account. This is an inconvenience and I don't appreciate it since I disputed the transaction and won. I don't believe I am treated fairly as I have been a customer for over 11 years and nothing like this has ever happened. I would like PayPal to reinstate my personal checking account so, I can pay my bills and conduct business. 

In addition, I have called a few times and no one at the company is taking a payment for my upcoming bill. This will cause late fees and ultimately a report to the credit bureau. I was not offered alternative methods for payment. Also, I have other bills coming out of my account connected to my checking account, such as XXXX, XXXX, XXXX, which is also connected to PayPal and those payments have been coming out with no returns for years. Please help me CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Late/Closed DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX  XXXX Balance : {$5200.00} ChargeOff XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I will note that I am a BoFA private banking customer and have received nothing short of stellar service up until this point. Nevertheless I'm surprised that BoFA would treat any customer like this. 

On XX/XX/2021, I initiated a claim with Bank of America. 

I purchased a plane ticket from XXXX XXXX on XX/XX/2021 along with flight insurance. I cancelled the flight, however to claim flight insurance and get a refund I needed a copy of the cancellation email. I never received a cancellation email. 

I called again a week later, and XXXX said they would resend a cancellation email but they never did. 

I have cancelled flights in the past with XXXX and successfully received cancellation emails, but the one time I purchased insurance and needed a cancellation email to receive a refund, I didn't. 

I filed a claim through Bank of America on XX/XX/2021 and I received conditional credit, and on XX/XX/2021, my claim was denied and the credit was taken back. I was given no options of recourse, no ability to respond or re-open the claim.

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 2021-11-09 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: TX

Complaint narrative:
This account was closed, was in payment program with payment of {$100.00} to be made XXXX of every month. 
My credit card account had a balance of {$2000.00}. I called on XX/XX/XXXX and made a payment with the help of customer service representative. He gave me a confirmation number. The amount was showing pending for several days. On XX/XX/XXXX, I checked the account online ( as XX/XX/XXXX was Sunday ) to see if it's paid off, but found my {$2000.00}, presumably, reversed and instead the {$100.00} amount processed for it. 
I contacted customer service, talked with several of their representative, I even called the collection department, but they all in one voice say that they don't see a {$2000.00} processed. To my question, how can I ask to investigate, to go to the record of my phone call and confirm that I made the payment, they said that there is no such department that will investigate it and they're just sorry for what happened.

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 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was permanently banned from using Venmo and Paypal. I've only used it to pay my landlord rent and to send money here and there with friends. It's honestly extremely inconvenient because Venmo and Paypal are the biggest money transfer services that people in my life use and now I'm banned with absolutely no explanation after emailing and contacting Venmo. They give extremely vague answers. 

My partner just noticed hers was frozen too. Completely different accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group
State: GA

Complaint narrative:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights . I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you 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 2021-11-09 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: MI

Complaint narrative:
I have notified Experian, XXXX and XXXX several times regarding the XXXX XXXX account. XXXX XXXX is refusing to discuss collection for XXXX account or accept any payments from me stating they are no longer handling account it is with a 3rd party. The is no other company reporting this account to my credit report, only XXXX XXXX. I have attempted several times to resolve this account with XXXX XXXX with the latest being today XX/XX/2021 at XXXX eastern, I spoke with XXXX whom once again refuses to discuss account, accept payment or even send a current dated bill for the balance owed. I have recorded conversations of XXXX XXXX refusals. I have filed several disputes advising Experian, XXXX and XXXX of the issues with XXXX XXXX and the recorded conversations with contact information to reach me to hear them. All 3 continue to close my disputes stating they verified account details without investigating the issue Im disputing. XXXX XXXX should not be allowed to remain on my credit report if they are refusing to discuss account, accept payment for account or even send me a current bill for account. At this point Im ready to get a lawyer and sue Experian, XXXX, XXXX and XXXX XXXX because Ive tried for several months to resolve this myself to no avail.

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 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: CA

Complaint narrative:
There have been multiple harassing phone calls to my job threatening me and today they faxed a false wage assignment I have never agreed to in order to confuse my employer to withhold 15 % of my pay. I have asked them not to call my employer due to jeopardizing my job and they continue to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: CA

Complaint narrative:
Hello, I sent letters out on XX/XX/2021.Huge violations are being broken by reporting inaccurate information on my consumer 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 2021-11-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I sent letters out on XX/XX/2021.Huge violations are being broken by reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group
State: GA

Complaint narrative:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights XXXX I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you 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 2021-11-09 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: Block, Inc.
State: CA

Complaint narrative:
Cash app lies to customers relentlessly, doesnt answer the phone and when they do lie to you again, offer no actual assistance and make no effort to actually resolve problems that are in a very real way messing with peoples lives? And furthermore they close your account out of spite when you complain about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: NY

Complaint narrative:
I lost 3 cars in Hurricane Ida on XX/XX/XXXX. Two cars were dealt with expeditiously. That was not the case with my XXXX XXXX XXXX, leased through VW Financial Services. The car was insured by XXXX. Here is a time line of the frustrating events : XXXX Car declared a total loss by XXXX XXXX I requested a payoff letter from VW Credit XXXX XXXX sent the exact amount of the payoff letter to VW Credit XX/XX/XXXX VW Credit cashed the check VW has insisted on XXXX, XXXX AND XXXX monthly payments, on a paid-off car I have made all those payments Since XX/XX/XXXX I have been on the phone numerous times with VW Credit and now they are trying to say that an insurance payoff is {$6000.00} more than the payoff they quoted me, in writing, verified, and they cashed the check from XXXX. 
VW Credit is not releasing the title. Additionally, wait times to contact them run from 35 to75 minutes just to get an agent. My credit score is XXXX, so I am vigilant in keeping all accounts current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021, I made an electronic payment from my primary checking account to my credit card account at Capital One credit card. I erroneously made a very large payment of XXXX dollars for an XXXX bill. I advised capital one of this error in an attempt to get my over payment back. Capital one referred this to their fraud department which asked me to provide government documents and to provide information to verify my identity I completed this task in a timely manner Capital One advised me they would send me my over payment upon receipt of this information. Capital One credit now is requesting more personal information which I am extremely reluctant to supply such as a copy of my social security card I strongly believe this company is attempting not to only keep my over payment but to steal my personal identity for fraudulent use. Capital One also refuses to close the account this payment was made to when I requested to be closed on multiple occasions to prevent fraudulent charges to be made on this account.

Company response to consumer: Closed with non-monetary relief