vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Today, XX/XX/2023, I attempted to make a principal-only payment of {$2300.00}, according to an amortization table of my loan, which I obtained online. The people @ One Main Financial are telling me that they will NOT allow me to make principal-only payments! 
This is a VIOLATION on several levels : 1 ) I made it CLEAR to One Main Financial employees that I was going to do this, when I applied! No one said this is illegal. CLEALY it's NOT! 2 ) ALL open-ended loans in the US can be prepaid with principal-only payments! 3 ) One Main Financial is stating that, since this is a pre-computed loan, that I am not 'ALLOWED ' to make payments that avoid 'interest payment '. 4 ) OMF claims that ALL payments MUST pay interest, or it won't be computed. 5 ) ALL of what OMF is stating, while might be COMPANY POLICY, is aimed @ circumventing FEDERAL LAW, which CLEARLY allows PREPAYMENT of ANY loan, without the burden of penalties meant to harm the public! OMF 's prepayment policies are intended to benefit THEM, while harming the customer ( ME! ). I need your help in setting the record straight here! OMF CAN NOT set company policies that PENALIZE ANYONE trying to prepay a loan of ANY KIND, FOR ANY REASON, UNDER ANY CIRCUMSTANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I sent debt validation paperwork to National Credit Adjusters on XX/XX/2023, XX/XX/2023, and XX/XX/2023. National Credit Adjusters mailed a generic response that they received my request but never provided the paperwork and underlying supporting documentation. The collection account listed on my credit file was deleted in XX/XX/2023 and then added back in XX/XX/2023 while being illegally re-aged. No debt validation paperwork has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
A letter requesting in investigation into this matter was send to all three credit bureaus with no response. I would like for these accounts removed form my credit profile. XXXX XXXX  Balance : {$190.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$800.00} Account # XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} Account # XXXX Open : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$1400.00} Account # XXXX Open : XXXX XXXX XXXX XXXX Balance : {$450.00} Account # XXXX Open : XXXX XXXX XXXX XXXX Balance : {$710.00} Account # XXXX Open : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My XXXX Statement contains a charge for {$100.00} on XX/XX/23. The vendor name shows XXXX. I asked Goldman Sachs ( GS ) to update my statement with the vendor name. They are unable to determine the vendor name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
I have called, emailed XXXX several times and explained the charge is not mine. I had ID theft and had many issues which was reported to police and all credit bureaus. Not to mention, I was not even living at the property where the electricy charges were made. XXXX mistake is affecting my credit, and they are harrasing me with collections. Highly considering to hire an Attorney to suit them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2023 I was notified by my bank that my checking account had been blocked due to a fraudulent attempt to access my information. The bank representative told me that law enforcement had made them aware of the fraud attempt. We had to open a new checking account and request that the bank move almost all the money in the blocked account to the new one. The blocked account could not be closed because of automatic deposits we get each month ( social security, pension, etc. ). We had to notify all companies that had permission to make automatic withdrawals from our old account that we had a new account. The bank did not help us do this. Finally, we got all automated deposits and withdrawals changed to the new account. Then, we closed the old account. Recently, I enrolled with XXXX using my bank 's online system. I did this because I have a poor relative to whom I occasionally need to send money. Enrollment went fine. But, when I tried to send money using XXXX, the app would not accept my debit card number. After many phone calls and a long personal visit to a bank branch, the problem was that the bank still had the debit card linked to the closed account as the debit card to use with XXXX. The bank was not able to correct this problem and link my current debit card for XXXX. Instead, they are now sending me a new debit card. Mistakes happen, and I am not complaining about the mistake. However, it took so long for the bank to recognize ( and admit ) their mistake that my relative may not have enough money this month. This bank is a very large bank which always encourages customers to use the online services. Yet they were not able or willing to fix this problem so a customer could quickly get money to a relative in need.

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 2023-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX XXXX reached out to me via email informing me that he works for Citizen bank mortgage and would offer competitive rate. After several back and forth regarding the mortgage rates, I decided to go with XXXX XXXX ( Citizen Bank ) as my mortgage lender since they were offering me 3.875 % for 7 years and after that variable interest rate ( per market rates at that time ) ie 7 year ARM at XXXX points. I had similar offers from other lenders. However, I decided to go forward with XXXX as he promised a quicker closing time. The initial closing was planned for XXXX XX/XX/2022. Prior to that I received closing documents from Citizen bank which mentioned the interest rate of 3.875 % for 7 year ARM ; however costing me XXXX points which were worth XXXX USD. I brought it to XXXX 's notice and he said that I should not worry as it was a mistake. He will make sure that these points are taken off prior to closing. I had driven to XXXX NY from XXXX MA ( my residence at that time ) the day prior to closing to make the final walk through the house. However, I was informed by my lawyer that the bank cancelled the closing ( scheduled for XXXX XX/XX/2022 ) as they did not want to take off the XXXX points. 
After multiple attempts the bank finally gave me new closing date of XXXX XX/XX/2022. Since the cancellation of the closing, XXXX stopped answering my calls. I, after getting in contact with his supervisor, was able to get in touch with him and he again said that he will try to take off the points. 
As my lease in XXXX was coming to end me, my wife, my then XXXX daughter, my parents and my dog drove from XXXX MA to XXXX NY on XXXX XX/XX/2022. We had to rent out XXXX for XXXX and XXXX XX/XX/2022. I did not receive closing numbers till in the office of the lawyer around XXXX XXXX at the time of closing. The XXXX points worth XXXX usd was still on my mortgage and I did not have time to go through numbers before to refute. As me and all my above family desperately needed a place to stay ( and XXXX was expensive-receipt attached ), I felt compelled to sign the papers. 
Now that I have settled in and I feel that XXXX and Citizen bank made a false promise to get my business. I feel that I deserve back the XXXX USD I paid for those XXXX points which initially they had promised they will not apply on my loan. In addition, I would like Citizen bank to reimburse my XXXX charges ( XXXXXXXX XXXX ) which were incurred due to cancellation of closing the XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Complaint against : PayPal -I use PayPal to process payments for my business. 
-On XX/XX/2023 I processed a partial refund of {$50.00} to a customer. 
-While processing the refund the PayPal app continuously malfunctioned and relayed a message that my refund had not been processed due to a technical issue and to retry. 
-I retried several times. Eventually I closed out the app and restarted it.

-Once I opened the app I saw that PayPal had actually processed 5 {$50.00} refunds.

-I immediately contacted PayPal to cancel the refunds.

-they instructed me to call my bank and issue a stop payment. 
-I complied and worked with my bank to stop the refunds.

-Becasue PayPal
mistakenly issued 5 refunds I was charged {$96.00} in bank fees. 
-on XX/XX/XXXX PayPal reissued 2 more refunds for {$50.00} each. 
-In total PayPal has cost me {$340.00} for this transaction. 
-On XX/XX/23 I called PayPal again requesting that they refund the amount they have cost me due to their failures. 
-They refused. The only option they have given me is that they will contact my customer and retrieve the money which is incredibly unprofessional for my business and harms my reputation as a business owner.

-PayPal is responsible for the {$340.00} they have cost me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please see timeline of letters Mailed to credit bureaus. 

Mailed XXXX This is my first correspondence with your company. I have not rec 'd a replyasofyet. 
Mailed XXXX This is my second correspondence with your company. I have not rec 'd a replyasofyet. 

Mailed XXXX This is my third attempt at correspondence with your company. I have not rec 'd a response for any of these lettersasofyet.

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 2023-08-01 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: NJ

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Delete the Inaccurate information and unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help 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 2023-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
On XXXX I had a transfer of {$500.00} from XXXX XXXX XXXX XXXX ( Checking ) going to American Express ( High Yield Savings Account ). On XXXX I closed my XXXX account when I switched to XXXX. I received a letter in the mail from AMEX stating my account was closed due to suspicion of fraud approximately XXXX weeks later. This is simply untrue and I only deposited {$500.00} when I initially opened the account. I contacted American Express right after getting the mail and customer service said I will receive a physical closure check, since XXXX wouldn't recall the funds for me, explaining they stated it isn't possible for them to recall funds from a verified transfer. On XX/XX/2023 I had my name officially changed and have a court order for. Approximately a month later I contact XXXX XXXX again and asked about my closure check, I was told that my closure check still needed my address to be verified over the phone. Then he stated he'll have the check expedited. I called again approximately 3 weeks later and after XXXX XXXX of being on phone calls I was told " the only way to get your money back is by having XXXX recall the funds '' which XXXX won't do. AMEX stated the reason is because they can't " verify my identity '', regardless of how much proof I show them. I've spent approximately XXXXXXXX XXXX of my valuable time trying to get my money back over the course of about 4 months and I refuse to give up now and I will take further action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My checking account at M & T Bank had unauthorized transactions on XX/XX/2023. The bank notified me of suspicious activity on that day and I immediately contacted the branch to dispute the charges and cancel the card that presumably caused the hack. The total unauthorized charges were {$150.00}. On XX/XX/2023, {$35.00} of those charges were refunded by the vendor. On the same day, the bank issued a provisional credit of {$110.00}. At that point, the account was made whole for the unauthorized charges. However, on XX/XX/2023 the bank reversed {$35.00} of the provisional credits, leaving the account short in that amount. 

I have called the bank and visited the branch several times, most recently today, to attempt to have the credits restored but there has been no explanation or action. I have received no further correspondence from the bank. 

The 45 day period for resolving the dispute has passed, the provisional credits appear to remain provisional and remain less than the disputed charges with no explanation provided.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is the second time that I've gotten in contact with Capital One in order to correct the issue the account was paid in full in XXXX the account is still reflecting showing a balance they are reporting the account to the credit bureau 's as pass due which is affecting the score. Completely negligent on their part

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was unable to access my online account starting on XX/XX/2023. After contacting Citizens Bank that day, I was advised that they were reviewing my relationship with the bank and I was unable to access my account. This has been the answer I was given each time I called, with no explanation as to why the relationship was being reviewed or even an end date as to when this would be completed. I again attempted to speak with Citizens Bank today on XXXX and reached a supervisor. After explaining the situation and advising that all I wish to do at this point was access my funds and close my account, I was told I was unable to do that due to the review. When I asked when this review will be completed, I was told that there was no end date and that I may receive a letter within XXXX business days after the review is completed. At this point, I wish to end my relationship with the bank, but I am unable to and no one will tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all invalid data that is hindering my file with Equifax. this issue has been on going an this is my 2nd attempt to delete an remove all inaccurate data. please review an remove the requested items listed in the files asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc
State: CO

Complaint narrative:
In XXXX, XXXX, I made a purchase in the amount of {$1700.00} from XXXX. In XXXX I received my products. In XXXX, I was contacted by XXXX 'Chargebacks ' department who informed me the payment was not made for my XXXX items, in the total of {$1700.00}. I was asked to provide bank statements, which I provided in XXXX, XXXX, and again in XXXX, XXXX. After initially sending in my bank statements via email, I was the target of harassing language and was hung up on by XXXX of the XXXX Chargebacks agents. I took my bank statements into my neighborhood XXXX and provided them to a management team member who called Chargebacks on my behalf and told them my bank statements legitimately showed I paid for my items. Later, a different agent contacted me and I was asked to initiate a three-way call with my bank, XXXX XXXX XXXX, which I did and at which point my bank confirmed the amount in question was charged to my account and the funds did transfer from my account to XXXX ( XXXX XXXX  ). At the end of this three-way call, the XXXX Chargebacks agent informed me that from what he determined, I was not at fault and the XXXX legal team would have to contact my bank directly since the problem was not mine. ( XXXX bank is who XXXX banks with ) Regardless of the agent 's statement to me, my 'debt ' was sent to a collection agency, National Service Bureau , Inc. ( NSBI ). During our initial phone conversation, the NSBI agent, XXXX XXXX, raised his voice, yelled at me that he was sending my account to collections due to my lack of cooperation, and hung up on me. I called back and was forced to apologize just so he would tell me why I was sent to collections. He told me it was my fault XXXX XXXX had not received their funds and it was my responsibility to prove the debt was paid. This was regardless of the fact that I had provided XXXX months of bank statements. I provided NSBI another copy of my bank statements showing the amount had been charged to my checking account as well as a letter from XXXX XXXX XXXX confirming the charge/transaction was completed on my end. Since XXXX, I have made multiple attempts to contact NSBI, with no response. I continue to receive letters in the mail stating the debt has been sent to collections. I do NOT owe this debt. I have paid for my items and request this harassment and erroneous debt collection stops.

Company response to consumer: Closed with explanation