vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint onXX/XX/2021 with Complaint ID XXXX complaining Bank of America took away my money on XX/XX/2021 without my authorization and agreement. However, Bank of Americas response intentionally shifted the focus on my authorizedXX/XX/2021 transaction which was not what I complained about. In the response BoA claimed the reverse transaction on XX/XX/2021 was because the senders account could not be debited. If senders account was not debited, please explain why my account balance increased from {$12000.00} to {$12000.00} and the {$500.00} was shown credited and available for my use on 2/3/2021. If the account balance increased from {$12000.00} to {$12000.00} and the {$500.00} was shown credited available for my use on XX/XX/2021, BoA apparently already debited or verified the sender 's account after the XXXX XXXXin on XX/XX/2021 ( Transaction XXXX ) unless the {$12000.00} was a misrepresentation. And if BoA already debited or verified the sender 's account for {$500.00} on XX/XX/2021 and showed it was available on XX/XX/2021, how could BoA later debit my account to reverse the transaction WITHOUT my authorization on XX/XX/2021? BoA assigned my case to Resolution Specialist, XXXX XXXX, and left a contact number for questions, however the phone always went to voice mail directly and they never returned my call no matter how many messages I left. They dont respond emails either. I would like to request BoA stop avoiding this matter and be responsible.

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has caused me financial damage by removing my creditcard information which shows my nearly 4 years of credit with my credit union. I have tried twice to have them put the information back on but they have refused. I have had three denials of credit because of this and had to go to higher interest lenders because of this one of which was extremely hard to pay off when I refinanced my home because they couldn't seem to understand what a payoff letter was, how to write one, or that they actually had to honor it. Transunion is unfortunately considered so reputable that most companies who use it are not thorough enough to double check with other credit reporting agencies to find out if they are getting the correct information. Not only has Transunion made things harder but they have cost me money as well and should be required to compensation people they have defamed.

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 2021-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: NC

Complaint narrative:
On XX/XX/2021 I placed an order with the merchant XXXX and used Klarna as the form of payment. Klarna stated that I was approved and the payment was processed and the transaction was complete on XXXX website. On the XXXX of XXXX I recieve an email from XXXX stating my order has been canceled. I contact XXXX and they respond on the XXXX of XXXX that my order was canceled by klarna due to " suspected fraud ''. I have made multiple attempts to get answers from Klarna starting on XX/XX/XXXX using their in app chat feature. The first representative told me that I should be able to place the order and to try again since I was approved. I did try again only to be told on the merchant site that was not an option available to me. I went back to the chat feature the same night and spoke to another representative that told me to call into klarna customer service the next day that it was maybe a technical issue. I called Klarna the next day. I was not given any information just told someone from the account services would contact me. They never did. On XX/XX/XXXX I recieved an email from XXXX XXXX a Service Specialist apologizing for the delay and stating that someone would be reassessing the matter. On XX/XX/XXXX I reached out to XXXX again and they tried to reach out to Klarna to get clarity multiple times since. On XX/XX/XXXX I replied to the email from XXXX XXXX at Klarna and she still could not give me any information of the " suspected fraudulent activity '' on my account and they still have not tried to verify my identity with me. XX/XX/XXXX XXXX XXXX responds and we have back in forth most of the day. I ask for her supervisor or upper management and she refused. I asked to have my matter escalated and she refused, I told her there are laws and regulations against this and if credit is denied they have to say why within so many days. She hides behind the fact that my credit was approved. Well is it really approved if you then cancel my transaction for " suspected fraud '' and never attempt to verify my identity. XX/XX/XXXX, 20201 I also call Klarna customer service again and get the same run around. they tell me they can't transfer me and that there is no supervisor for me to speak to. The answers that I want can only come from an account specialist and I can't speak to one. They will only contact me if the flag is removed I will get an email. To make matters worse, I have placed other orders using klarna with the same information and they were not canceled. There is no reason for this flag that has been disclosed to me as the consumer I have a right to know if my information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
During the COVID 19 pandemic, lenders like Santander Consumer USA were advertising how they would help their costumers during their financial hardships as a result of the pandemic. I called Santander to request relief under the COVID 19 relief act and was informed late payments would not have late fees and would not be reported to the credit bureaus during the pandemic and I trusted the person on the other line with the information I was being given. However I was charged late fees and the late payments did get reported to the credit Bureaus which subsequently dropped my credit scores. I was late XXXX, XXXX, and XX/XX/XXXX and XX/XX/XXXX. I called and messaged XXXX XXXX and was told they have the right to report accurate information to the credit bureaus however they are not answering to their promise to follow the covid relief act and not charge late fees or report during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nelson Cruz & Associates LLC
State: IA

Complaint narrative:
I have received 3 email communications from Nelson, Cruz & Associates. I have consistently informed them that I am retired and my income is from Social Security and, therefore, am judgment proof. Supposedly, the original creditor is XXXX XXXX XXXX, an outfit I have never heard of. There has been no attempt by Nelson, Cruz to provide with original debt validation documents. 

I believe this matter is an attempt to pry out my personal information. For example, the address used on their document to me ( a demand letter ) is made out to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IA XXXX. First, when I intend to be bound to a contract I sign as XXXX XXXX XXXX, not simply my first and last name. As to the address, it is incorrect. I have not lived at XXXX XXXX for almost 3 years. 

After I put Nelson, Cruz on notice that I am retired and Social Security is my income, that should have ended this matter. It continues. Approximately, 14 days apart for each of the three communications I have received through email with a PDF document of which I provide all three PDF 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: SC

Complaint narrative:
Paramount Recovery SYS started reporting on all three of my credit files back onXX/XX/XXXX. I noticed the hits back in XXXX I started disputing the suppose debt immediately. I tried calling the company line was always busy XXXX XXXX the XXXX I tried calling the company again and was successful with getting a agent on the line. The agent I spoke with stated that she did see an account however it was close and deleted off all three files. She validated the account and confirmed it was for {$730.00}. At that time I thought this account would be close and removed since I never received and responses from dispute letters sent to creditor and the credit bureau. On XX/XX/XXXXI contact Paramount Recovery to check the status of the account being removed and the agent I spoke with told me this account was not close and only in a dispute status. When questioned the agent said the debt was transfer from another debt collector and it was limited info. I was never notified of this account via letter or phone call. The agent stated a letter was sent out back XX/XX/XXXX. I never received anything. I ask the agent what information was sent out in the letter she stated she had no idea. I asked the agent how can your company place something on my credit file and never reply to my dispute letters or send me any information regarding the debt. The agent said you have to request an itemization well I did when I disputed the debt. The rep confirmed the company received my disputes from the credit bureau only and not from me directly I submitted to them both. The agent confirm the letters were receive XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Pay Pal closed my account for no reason and will not help or assist me with getting my account back and running so that Im at least able to transfer my balance to my checking account. Im not sure if this was a mistake but I assume it had to be. Ive been reaching out for over 6 months with hopes that they would assist me with this matter to no avail. So I am reaching out to the CFPB because I feel like Pay Pay is not doing anything to resolve this matter. In which has led to me losing my apartment and car because of this situation. My email attached to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
During 2019, I was experiencing financial hardship and decided that consolidating my private and public loans into one big loan to get the interest rate down was the best option to help me get my loans paid off and on time. I decided to move forward with refinancing through XXXX. 

In the last quarter of 2019, I called Navient to let them know of the decision I had made and requested that the six loans I have with them ( totaling {$28000.00} ) be placed on deferment while I waited for XXXX to walk me through my options of consolidating all of my loans. 

The Navient customer service representative over the phone told me they would place the loan on deferment and I would not need to make a payment for 90 days. The customer service representative was inaccurate in the information they gave me as they FAILED to put the loans in deferral mode. 

Although I was clearly communicated to that there was no need to make a payment for the days outlined while I waited for consolidation to process, this misinformation caused there to become a failure to pay. With that being said, once I found out there was any sort of inquiry on this loan, I was forced to make an immediate payment but was still penalized for the inaccurate information the representative gave me. 

I am experiencing ample credit issues now due to the failed processing of my approved deferment and inaccurate information given to me by the Navient representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
Hello I am resubmitting my complaint since I didnt get a resolution and my complaint was closed due to a pending loan modification but my loan modification has been denied : I have tried to apply for loan modifications in order to avoid losing my home and to afford making payments and the loan modifications have been rejected. Now Im trying to refinance but my 2nd lien, also SPS, had a 15 year balloon payment which ended XX/XX/2020 so they stopped accepting my payments. I need to get SPS to accept my payments from XXXX thru today in order for me to be able to refinance. I can not refinance without having payments up to date. I can only afford my house with lower payments which can be done through the refinance which will payoff both loans. If not Im stuck and need to prevent losing my home to a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: MS

Complaint narrative:
On XX/XX/2021 I mailed a letter requesting an investigation about questionable items on my credit report. It has been almost two months and I still haven't received any results of an investigation.

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A letter was sent on XX/XX/2021 addressed to XXXX  requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX  requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to Equifax requesting a free credit report. However, Equifax failed to provide the report by mail. 

I have attached proof of letter sent to Equifax requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX  requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX  requesting the report. 
I have attached ID as proof of address and identification

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A letter was sent on XX/XX/2021 addressed to Transunion requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX  requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX  requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to Experian requesting a free credit report. However, Experian failed to provide the report by mail. 

I have attached proof of letter sent to Experian requesting the report. 
I have attached ID as proof of address and identification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I walked into Citizens Bank on Thursday XX/XX/2021 to open a new business management account for NH XXXX XXXX XXXX. I walked in and there was very little literature available to read at the location on XXXX XXXX XXXX XXXX, NH XXXX. There was a teller working and assisting consumers. I walked to one of the office doors to read the marketing and products offered at Citizens Bank. When I stood there XXXX XXXX opened the door and didn't know I was there. " Sorry, '' he said. " I did not mean to hit you. '' I asked him, " What do you do here? '' I took one of his business cards that notifies the consumer he is a XXXX XXXX. I asked him, " What are you managing? '' XXXX XXXX said to me, " You have to go talk to XXXX. '' I was not happy with his recommendation. If XXXX is managing wealth in the community he is directing people where to go or talk to XXXX. I do not feel safe with his management at Citizens Bank. I have no idea who XXXX is and I have no idea what companies XXXX XXXX works with or what his portfolio looks like. I am not sure if XXXX XXXX is an honest wealth manager at Citizens Bank. I feel XXXX XXXX is frauding the consumer and stealing money and personal information. XXXX XXXX does not work with my NH XXXX XXXX XXXX and he is not an approved manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased an appliance on XX/XX/2021 but it didn't fit. I called to have it returned and was told to wait a few days to get it cleared. I needed the fridge and couldn't't wait so I had my credit increased. A few days later, XX/XX/XXXX, I bought another one. Now, both charges were on my account. Apparently there is a debt protection program that I was enrolled in. I had inquired about this years ago and the employee says its a fee for not using a debit card. XXXX, I didn't question it because it was a few bucks each month. Now, I had 2 large charges on my account which caused it to go over the limit even though one should have been returned. I waited and called back a few weeks later and was told it wasn't cancelled yet so they would cancel it. I waited a few weeks and it was still on my account. It was time to pay my monthly payment but I don't feel it is right to pay a payment when my account isn't correct. I called again and was informed that it was never cancelled but NOW would be cancelled. I waited for it to show on my account as a pending return. I noticed that the debt protection fee is {$40.00} which is way more than usual.I called debt protection number that was on the statement and they explain what it was and how its charged so much for every dollar amount charged. I asked to cancel it and it was. 
I received many calls everyday asking when I would pay my payment, but was never contacted to let me know the status of my return or any follow up calls. So, I informed the person that I would pay the payment once my account is correct. She informed me that she will return the late fee. I asked why I was charged so much for the debt protection when clearly the fee was accessed for both appliances and didn't take out the part that was returned. I don't understand why I am charged almost double for the protection fee when that was Best Buy 's mistake of not returning the 1st appliance so the debt fee was calculated for the over {$5000.00}. The lady on the phone said that the debt fee was returned but I do not see it. I'm tired of going back and forth with it. I refuse to pay such a high debt protection fee for an amount that shouldn't have been on there for more than a week, but was there for almost two months because of Best Buy 's mistake.

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a dispute to XXXX  on XXXX. I never got a response of results or the investigation. I have attached the letter that was sent. 

I sent a dispute to XXXX  on XXXX. I never got a response of results or the investigation. I have attached the letter that was sent. 

I sent a dispute to Transunion on XXXX. I never got a response of results or the investigation. I have attached the letter that was sent.

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