vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I traded in a XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX in XXXX, NV around XXXX of XXXX. Now the XXXX loan was through capitol one and I received the full payoff amount so I could trade in this vehicle for my newer one and the full 10 day payoff was not submitted in time after i handed it over to XXXX XXXX XXXX XXXX. So I dont know if the check was lost between these two places or if one of the places decided to take their time to pay it off. However this was not my fault and I would love to have this negative remark off my credit because I was not late I gave the 10 day pay off it should have been taken care of and I should not have any late marks on my account for this account. Please take this negative remark off my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I initially contacted Bank of America on XX/XX/XXXX to start a dispute regarding a charge of {$1500.00} for services that had been canceled on XX/XX/XXXX. The original charge from XXXX XXXX  XXXX was made on XX/XX/XXXX as a deposit for services that would be provided on XX/XX/XXXX. As a result of the pandemic, the services were thus canceled, by myself, and the merchant then promised to provide a refund. As time went on, there was never any refund issued and I have since tried several times to contact the merchant with no response. 
Upon Bank of America 's investigation into this claim they concluded on XX/XX/XXXX that I am unable to be reimbursed due to the following reason : " The disputed transactions indicated in your claim are for recurring charges that posted to your account before you canceled the service. As a result, we're unable to dispute these transactions. '' However, this is not a recurring charge at all, but rather a service that I paid for that was never provided. Furthermore, the merchant, XXXX XXXX  XXXX can not provide any proof showing that in fact services were 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 explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There was {$1000.00} fraud on my account. No pin & no signature. Chase refuses to credit. 
I report 5 cases 5 months ago Chase dies nothing about also. I spoke with executive office and they said need to report but they still do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I overpaid a bill in the amount of {$27000.00} associated with a balance transfer program at Bank of America. My account was charged the {$27000.00} BUT I NEVER RECEIVED THE FUNDS. 

I was told by four people at Bank of America, INCLUDING THE OFFICE OF THE CEO, that the funds were to be deposited into my checking account on Monday, XX/XX/XXXX ... the funds never arrived. This is despite struggling with the issue for 3 weeks. 

Phone calls at Bank of America went unreturned. To add insult to injury, I was harassed for payment and late fees on money I never received. 

This ordeal went on for over 3 weeks and it was escalated to the CEO 's office. Not even they would return my call ( s ) and was given endless excuses. 

This has been a lesson in consumer abuse in mistreatment. BAC has my fees and has dinged my account but the monies are not there. So desperate, I am reaching out to regulators

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 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Fraudulent activity in my HSBC " Select Credit Account '' ending in XXXX. On XX/XX/2020, the perpetrator transferred {$6000.00} from my Select Credit Account to my savings account. On XX/XX/2020 a wire transfer of {$5500.00} from my savings account was sent to XXXX. This is XXXX  XXXX XXXX XXXX. I found out about this activity on XX/XX/2020 when I received an account statement in the mail. Previous to this date I did not receive a phone call, text or email from HSBC alerting me to this unauthorized account activity. My Select Credit Account has not been used for 2 years. Actions taken by me are as follows : XXXX ) XX/XX/2020 : Contact the Fraud Department of HSBC 2 )  XX/XX/2020 : Filed a Police Report with the XXXX County Sheriffs Office, XXXX XXXX, Florida 3 ) XX/XX/2020 : Submitted to the Federal Trade Commission Identity Theft Victims Complaint and Affidavit. 
4 ) XX/XX/2020 : Contacted XXXX, XXXX, XXXX  Credit Bureaus to place a Freeze on my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
my name is XXXX XXXX XXXX XXXX, i'm buying a house and when they went to check my credit, they informed me that they would have a truck financing in my name at a financial institution called westlake financial service. I tried in every way to show that this was a fraud, but they did not remove it from my credit. 
I have my social security for just over 1 year, so it is impossible for me to have introduced it in the purchase. I never bought a truck, I never signed any contract, this debt is not mine.

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 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I had a {$1300.00} charge refunded approximately five weeks ago and have requested this credit card company send me a check for that amount. I have called them now at least 7 times on this matter. They still do not know when they will be able to issue me my credit refund. They could not explain the delay. They have previously told me the credit check is coming - so they are clearly lying to me, again and again. I suspect they are purposely withhold my money, as I had previously paid for the charge, in hopes I forget about it. They may possibly be delaying the refund process to help their own financial situation. Whatever the issue is, they can not explain and are operating in a rotten and possibly illegal matter. I need the money and they refuse to send me my credit refund. Please help me with this matter. 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 non-monetary relief
Consumer complaint received 2020-07-01 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 — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2020 I mailed a letter to EARLY WARNING via USPS requesting a copy of my consumer file. Attached to that letter was a copy of my driver 's license and a utility bill to verify my identity and address. It took EARLY WARNING nearly 30 days in TOTAL to respond with a request for the same information I provided in my original letter. 

According to their letter, I must complete a " special form '' requesting the same information I already provided. Their letter to me was dated XX/XX/XXXX which is nearly 3 weeks after I mailed my request and I did not receive their letter until yesterday XX/XX/XXXX. 

I believe this to be not ONLY a stall tactic but also a CLEAR violation of the Fair Credit Reporting Act. As you are well aware, the law requires that a credit reporting agency complies with a consumer 's request upon providing information that verifies the consumer 's identity. It DOES NOT require that I use a " special form '' or " particular method '' of making that request. 

The FCRA certainly does not give them extra time to comply if their preferred " special form '' is not used although the consumer already provided all information required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I had a home loan with Freedom Mortgage which I refinanced on XX/XX/XXXX. The loan is now paid off. On XX/XX/XXXX, prior to the refinance, Freedom withdrew {$3800.00} from my impound account to pay my property taxes. For reasons unknown, Freedom did not send the funds to the tax assessor timely. In order to complete my refinance, I was forced to pay my property taxes out of pocket with the promise that the check from Freedom mortgage would be an overpayment and refunded to me. 

I contacted the county tax assessor to see if duplicate tax payments were received.The assessor confirmed Freedom 's check was received after they received payment from the title company on my refinance. The tax assessor advised the overpayment needed to be refunded to Freedom Mortgage and Freedom would refund the money to me. 

I logged in to my account with Freedom Mortgage and see that the refund from the tax assessor was credited to my impound account on XX/XX/XXXX. I've been waiting for a refund that has never been sent. Instead, Freedom has been holding {$3800.00} of my money on a closed account and refuses to refund the money to me. Freedom has also assessed a {$190.00} recording fee twice on my account, once on XX/XX/XXXX, at the time of payoff and again on XX/XX/XXXX - a month after payoff, with no explanation whatsoever. 

I sent a secure message through their website on XX/XX/XXXX and received no response. I called on XX/XX/XXXX and was told the refund should have been issued within 14 days of their receipt of the funds in XXXX and he did not know why the refund wasn't sent to me. He assured me he would get the refund processed and the check would be issued no later than XX/XX/XXXX. 

I logged into my account today and the impound account credit of {$3800.00} is still sitting there on my closed account. I have spent another hour on the phone today with a service rep that was nice but couldn't help me. I was told her supervisor would need to research this and get back to me. 

I have spent a tremendous amount of time dealing with Freedom Mortgage with no success. The gamesmanship needs to stop and their business practices need to be investigated.

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 2020-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Debt was a result of Bank error, which resulted in funds being transferred to the wrong account. Although no fault of my own, I paid the insufficient funds fee and any money owed. I was also told that there would not be any adverse action taken considering the circumstances. I tried opening a new account and was denied due to a XXXX  report filed by Bank of America ... I have tried, on many occasions, to resolve this issue but unsuccessful.

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 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
The complaint is about PayPal , Inc . 
On XXXX XX/XX/2020, Paypal debited my bank account for the amount of XXXX for delivery of certain goods. 
The goods were not delivered and my emails to the vendor were remained unanswered. 
On XXXX XX/XX/2020 I filed a complaint to Paypal informing them that the goods were not delivered and no response from vendor had been received. 
On XXXX XX/XX/2020 Paypal informed me that they have contacted the vendor but not received any reply. I filed to Paypal again to escalate my complaint. 
On XXXX XX/XX/2020 Paypal informed me they have contacted the vendor. 
On XXXX XX/XX/2020 I provided copies of my emails requests ( all left unanswered by seller ) to Paypal. 
On XXXX XX/XX/2020, Paypal provided a webllink XXXX XXXX XXXX XXXX XXXX alleging the goods were delivered. 
Since XXXX XX/XX/2020 till now, I have checked the alleged website, there is no email address for contact and there is no online form for contact either. Then repeatedly, I have asked Paypal through online message cerntre to provide me a proper email address for the alleged shipping company so I could contact, as of now Paypal has refused to do. I have also requested Paypal to provide me with details of its regulator, and Paypal again has refused to do. The website of Paypal says I can request print copies of online messages - I have requested print copies of messages to be sent to me and Paypal has refused to do and hence has false and misleading information on its website. I have also filed complaint about the Paypal conduct through their website since XXXX XX/XX/2020 and they have not replied. Today, XXXX XX/XX/2020, they sent me a message through their message center saying they can not do anything. I am filing complaint against Paypal for ( 1 ) charging my account but not delivering the goods, ( 2 ) refusing to provide proper email address for communication with them and/or with the alleged shipping entity, ( 3 ) refusing to provide me print copies of my online messages to them, ( 4 ) refusing to provide me details of their regulator for me to file a complaint against them, ( 5 ) refusing to answer to my specific questions but trying to frustrate me and waste my time through their online messaging center which they refuse to provide me copies and there is no mechanism on their website for printing the messages. 
If you require any other information, please do not hesitate to ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For the last 5 years I have attempted to access my Experian credit report to no avail. I have called verified ACCURATE information, mailed identification, now when I call i get caught in IVR XXXX. 

I have exhausted every method to access this information-where credit is often denied from. When I attempt to pull it simply tells me to call then to send information. I have let it go for years, now I want to verify, confirm, what is on that report. 

Please assist.

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 2020-07-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/2020 Experian XXXX XXXX  XXXX XXXX, TX XXXX Re : Student Loan No. XXXX, XXXX, XXXX Hello Experian : Oh My XXXX, I received a copy of my report today and it is showing my student loan with several late payments. 
My loan has always been in forbearance and I have not been required to make any payments at all. 
The loan reports OK for several months in a row and then all of a sudden it jumps to 90 Days Late to 120 Days late. 
You can not go from OK straight to 120 Days and then back to OK without any payments having been made. 
Somebodys computer system is messed up. 
Please remove the late payments and send me an updated credit report Thank you for your help. 
Sincerely, 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 2020-07-01 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX   XXXX XXXX, XXXX, DEPTEDXXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Unable to deposit funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I submitted a wire transfer while guided on the phone by a Bank of America Merrill Lynch representative. Consistent with representations made on the firm 's website, I was told that the wire would be processed on the same day. After calling back after XXXX ( the wire deadline for the day ), I learned that the firm had not even processed the wire let alone cleared it. At business open on XX/XX/XXXX at approximately XXXX, I was told additional information was required in order to process the wire and advised that " additional time '' was required to clear wires at the firm. 

Despite being assured on XX/XX/XXXX by another representative of the firm that same-day wire processing could be done over the phone, as advertised on the firm 's website ( " Wire withdrawal requests received and approved by XXXX XXXX Eastern will be processed the same day and incur a {$24.00} fee. " ), I was subsequently told that this was not possible. Due to this misleading communication, I was unable to close on a new home as scheduled and have incurred significant personal financial cost as a consequence.

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 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have a mortgage with PNC bank. I attempted to pay a principal payment over PNC bank website and the site is unable to accept a principal only payment. I find this constrictive and called PNC bank to investigate and was told this wasn't possible over the computer. I was told the only way to pay down extra towards my mortgage debt was send in a check and call them to have it adjusted to principal or pay a {$7.00} fee to process the payment over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank had an incorrect address on file and did not notify me that they required the final payment to be made manually instead of automatically withdrawn. They did not attempt to contact me any other way, and after five years of timely payments they sent my final payment into debt collection after 30 days which negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express Pre-Approved our XXXX  thru XXXX XXXX XXXX account ; reason for denial is mind-boggling. 

Always same questions??? Why is it only XXXX XXXX XXXX XXXX XXXX always bite the dust??? 

Regardless of our qualifications, credit scores or meeting credit requirements criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have submitted several complaints to this company about this issue. This account has been closed for two years now. The status they are reporting is charged-off bad debt. Someone, some person or representative of American Express with the authority to open and close accounts has been reopening this account and reporting it as 30-days late, then closing it. This activity on a closed account causes a fresh ding to my credit score every time some reopens the account and closes the account. I have credit monitoring and they have reported this information to me. I am attaching my evidence from the credit monitoring agency that American Express is reopening this account and reporting it as 30 days late, for XXXX and XXXX, 2020.

Company response to consumer: Closed with explanation