vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
For the past 5 months BBVA Compass Bank has been reporting that I was 30 days late with my XXXX monthly payment. 
I spoke with customer service who promised me they would correct this but they never did, I also wrote BBVA addressing this issue and each time they never complied even though I showed proof that the account was never late. Although BBVA Compass was unable to show proof that the account was late when I requested the needed documentation pursuant to the fair credit reporting act, they refused to provide any proof that the account was 30 days late. I even spoke with a branch manager previouisly who assured me the derogatory information would be removed BBVA Compass Bank continued to report that I was late on XX/XX/2019. When I sent BBVA Compass Bank a final demand letter they sent me a response letter. The letter that BBVA Compass Bank sent informed me that due to my current credit scores they were closing out my XXXX line of credit. 
This makes no sense as my credit score is higher now then it was when BBVA Compass Bank issued the line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: PA

Complaint narrative:
I purchased a Netspend prepaid card. My reason is because I wanted funds to travel from Florida back to my home in XXXX With the current crisis, I did not know what I might encounter and I did not want to carry excess cash. Netspend accepted my cash for the card but denied me the use. The reason is that I gave my home address XXXX XXXX, Pa XXXX and that was away from where I bought the card. Netspend asked for documentation so I sent the a Pennsylvania Real ID ( the enhanced identification that allows you to board airlines ), my XXXX card, and a utility bill with my name and my Florida address. They asked for a social security card which, I explained, I did not carry. At one time, XXXX cards used a social security number, but no more. And, to get the Real ID, a person needs to provide an original social security card as well as birth certificates and several other documents. Netspend took my money but would not authorize the card. Their people were seemingly not informed about current identification and insisted on my social security card which is at home and, to get there, is why I bought their card. In stressful times, like now, their actions are unacceptable

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 2020-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good Morning, I have done an international wire transfer ( {$2200.00} ) from my account in Bank of American on XX/XX/2019 to my account in XXXX XXXX, XXXX and never received the funds. I have done the same operation in the past and never had any issue ; this information is saved in my online bank of america transfer website and I never changed it. 

I have contacted both banks many times and have not been able to resolve the issue. Bank of America initially used the wrong codes and then corrected them after the swift message was checked by XXXX XXXX ( please see attached ). XXXX XXXX  never received the funds and I tried to recall it but am not able. Bank of America has contacted their investigator but they are not able to located the funds. This amount was deducted from my account but I do not know where the funds went and Bank of America said that the case is closed and basically I have lost this money. 

I appreciate if you can advise on what I should do. I have not provided any different information as I provided in previous successful wire transfers and I do not see I have done anything wrong but I have lost this money so far. Thank you, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
The collection agency placed a bad debt on my credit report for XXXX when the balance was paid directly to the creditor. I do not owe Credence collection agency and this is a false representation that is being displayed on my XXXX  report. This needs to be removed completely from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Someone keeps trying to open a account in my name.Fraud.Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Dynamic Recovery Solutions, LLC
State: NH

Complaint narrative:
They call and I have told them I do not owe them any money and to stop calling me. They are also blocked on my end to stop them. They change their number over and over again and keep calling with the same message : Hi I'm reaching out to you today from Dynamic Recovery Solutions a debt collector. Please give me a call back when you do receive this message. My number is XXXX I would appreciate a call back today if possible. Again our toll free number is XXXX. I do appreciate your cooperation you have a great day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 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: CO

Complaint narrative:
Experian is reporting incorrectly a collection/chargeoff in the amount of {$5000.00} on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I had insurance coverage at the time and this account was paid. There is no outstanding balance due. I have attached a copy of my insurance card for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-04-06 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: TX

Complaint narrative:
~In XX/XX/XXXX, I submitted a request to have deletion of unverified information ( XXXX XXXX removed from my account XXXX XXXX, the information was investigated and deleted from my credit report ~On XX/XX/XXXX, I noticed that the deleted information from XXXX was reinserted on my credit report and I had not received any correspondence from Experian or the reporting creditor, so I sent a complaint to Experian regarding the reinsertion AND I filed a complaint with the CFPB. ~In XX/XX/XXXX, I noticed that I had a recent late payment reporting on my report, so I looked into this only to find out that Experian had now shown this error is reporting as a recent account opened as of XXXX XXXX ~As I looked into past credit reports, the erroneous and previously deleted account showed an open date of XX/XX/XXXX It is plainly obvious to me that my credit is being held hostage and at a time like this, it is utterly disgusting.I have attached proof of all correspondence for you to review. I request assistance with prompt deletion of this information on my report which is harming my score and the ability to obtain credit to help myself and my family. Thank you for your time and assistance with this matter..

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 2020-04-06 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: NY

Complaint narrative:
Application for new credit card was submitted but credit bureaus ( all 3 ) had wrong phone number for me. Hard inquiry was submitted 3 times. Once problem was corrected credit card company agreed to submit request to remove the first two hard inquires. The only credit bureau refusing to remove the mistakes was Equifax, The other two credit bureau have successfully removed those inquires. I have even sent a copy of the letter from the credit card company which was furnished to me to Equifax by certified mail with return receipt. They are still refusing to remove those hard inquires. Inquires were from XXXX XXXX XXXX  dated XX/XX/2019 and XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: NH

Complaint narrative:
I opened a checking/savings account via a promotional link from BBVA. They acknowlege I met the terms of the promotion which was to maintain a {$300.00} balance in their savings account by the end of XX/XX/2019. They ALSO claim there was a 90 " monitoring period '' which was not in the original terms of the promotion. I attached proof from the bank that the aforementioned period has expired and there are still no promotional funds received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
I made a transaction through a website known as XXXX - which I later discovered that it is infamous for scamming customers. XXXX is a complete fraud. The tr Pre-Transaction : It clearly noted that my reservation would be refundable. This is why I proceeded with the transaction. 

Post-Transaction : I called XXXX more than 10 times - sometimes staying on hold for more than two hours. Their dispatchers are based out of a call center in XXXX. They are extremely rude and weren't understanding the situation. At one point, they simply hung up the phone on. I even called the airlines directly of whom told me it can only be resolved with XXXX. 

Two submitted disputes later, and United Bank still will not help this situation. They have denied the dispute and claimed there's nothing that can be done because it is " human error. '' I explained to them how I was a victim of fraud. How before the transaction it read that it was refundable. No one is willing to listen to me or understand the situation. Especially in light of the COVID-19 situation, these funds are vital. Any help or assistance in this matter would be greatly appreciated. 

Date : XX/XX/2020 Vendor : XXXX Bank : United Bank Type : United Free Checking Amount : {$790.00}

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 2020-04-06 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a Chase Bank credit card. Four fraudulent charges were made between XX/XX/XXXX and XX/XX/XXXX. Chase 's current practices are making it practically impossible to resolve the matter. 

You can dispute the charges on the Chase website, but you are required to check a response indicating *why*, and fraud is not one of the options. For that, you are asked to call customer service.

However, ridiculously incorrect statements of hold times ( I was told ten minutes ) coupled with actual hold times ( I was on hold for 2 1/2 hours Friday, and I am at 1 1/2 hours right now ) make it nearly impossible to resolve any issue, especially for individuals who are still working outside of the house and do not have the ability to spend hours on the phone. 

I understand that everyone has limited staff right now, but I feel that a company as large as Chase can do better by their customers. At the bare minimum, a realistic expectation of hold times or the offer of a call-back would be good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: DISCOVER BANK
State: NY

Complaint narrative:
Hello, I am writing to file a complaint against Discover credit card company.

I have been a Discover card member holder since at least XXXX, XXXX. My account has always been in good standing with Discover over the years. Just recently, on XX/XX/XXXX, I made a payment of {$8000.00} on my account.

In recent weeks, my family and I have been negatively impacted by COVID-19 like all Americans have. During this time of uncertainty, it was peace of mind knowing that we had some available credit for emergencies ( grocery, doctor visits etc. ). Suddenly, Discover decided to run a check resulting in my credit line being lowered significantly from {$11000.00} to {$7900.00}. This leaves me with {$200.00} available credit and this has also negatively impacted my credit score and reports across the board. 

It is so unprofessional to be taking this kind of action during this crisis. XXXX, my credit score may have taken a short-term 'hit ' due to the circumstances we are currently in, but just like everything else, it will bounce back once we recover. In the meantime, I ask at the very LEAST to not lower my available credit leaving my family with hardly any safety net. It is a scary and shocking action that was taken. I spent 30 minutes on the phone with a Discover CS agent on Monday, XX/XX/XXXX. She was unable to revert the change and sited a contractual agreement. I am certain that my 'contractual agreement ' does not include a worldwide crisis and how customers should be treated during this time. 

Thank you for your time, Concerned customer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: FL

Complaint narrative:
ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX   XXXX XXXX : XXXX The payment status is incorrect, please delete.

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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ATTENTION : XXXX  DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX   XXXX XXXX : XXXX The payment status is incorrect, please delete.

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 2020-04-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTENTION : XXXX  DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX   XXXX XXXX : XXXX The payment status is incorrect, please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My single Member XXXXXXXX XXXX XXXX XXXX   recently invoiced XXXX $ XXXX ( XXXX XXXX ) for the sale of Intellectual Property. The invoice was generated and submitted, and payment received all within the PayPal platform. According to the PayPal interface payment was received on XX/XX/20 ( Transaction ID : XXXX ) and I was subsequently told by a live PayPal representative that availability of the funds was subject to a 21-day hold due the amount of the payment. As indicated in the attached transaction report from PayPal the amount of the transaction is incorrectly reflected as {$1.00}, which PayPay must definitively verify and substantiate and correct. Confusion may have been caused by the fact that subsequent to submitting the invoice to XXXX I offered them the option of purchasing additional Intellectual Property for substantially more so the Payment may have been $ XXXX XXXX XXXX XXXX ). So in summary, I have been without access to my funds now for over XXXX because of PayPals inability to verify a payment amount and deposit it correctly, I other words do their job. I have also requested PayPal by email to restrict all non-debit-card Debit transactions on the account until such time that I am able to meet with them in person to positively verify identity biometrically and agree upon debit procedures. Hopefully they are able to at least correctly address the debit restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FMS Inc.
State: NY

Complaint narrative:
Good afternoon, I received a phone call on XX/XX/2020 at XXXX XXXX   from a private caller who then transferred me to a representative on my old nay account this phone call was from FMS collection. We are in the middle of a pandemic where my finances have been affected. the representative i spoke with was very condescending and belittled me. I explained my work has been affected and his response with a little laugh was we have to keep the economy going and we still have to pay bills. After explaining my situation he said he was going to report me as refusal to pay and hung up on me. I have not received any letters from this company at all informing me that they have my account. This is horrible and the worse phone call I have ever had to deal with. I would like to know what can be done about this and how I can get proof on who is handling my account along with a letter in the mail for a number to contact.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation