vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On tuesday XX/XX/XXXX @ approximately XXXX XXXX  i recieved a text message Stating that my NV unemployment debit card through B of A had a balance of less than {$50.00}. I immediately went on line to check and there was a transaction for {$480.00}. I calles the bank right away. They closed that card and issued me a XXXX XXXX. They then said I would have to call back in the morning to file a claim, which i did. Unemployment dispersed more funds to me on XX/XX/XXXX. I then tried to log into my account on line and it said my credentials werent recognized. I calles the bank instantly. They stated that my account is closed to fraud activity. Unemployment will only disperse to the B of A card, so now i have no way to get to my unemployment funds, and to top that off B of A wont even send me a check for the funds that was left on the 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 explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclaycard closed my account without notification or reason on XX/XX/XXXX. I had a XXXX balance and have been a customer of this bank for many years. 

When I called customer service I was transferred to a call center in the XXXX and no one could tell me why the card was closed. No letter was mailed nor did I receive any type of phone call. 

Closing accounts like this impacts credit scores ( sometimes negatively ). I find this be be an extremely poor and customer unfriendly business practice.

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 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was trying to call PayPal due to problem I was having. An XXXX  seller shorted me {$21.00} from a refund. A purchase price of {$200.00} less a refund from the seller of {$180.00}. 
I XXXX  PayPays phone number. The number I found was in XXXX, Texas, XXXX XXXX. 
I reached a person that called himself, XXXX XXXX. Since I initiated the call to PayPal I did what XXXX XXXX instructed me to do. 
He said he needed verification of my XXXX  XXXX XXXX XXXX transfer account. 
I followed his instructions and entered an email address of XXXX. 
I asked why Im entering this email and once again he said he needed verification. 
He then said to enter the amount of my refund of {$200.00}. I kept asking him why am I entering an amount and an email when PayPay owes me a refund. He said that the amount would not be deducted from my account. Ten minutes later he said the amount was accidentally sent threw and deducted from my account. 
I filed a fraud claim for {$200.00} through XXXX  XXXX XXXX XXXX department on XX/XX/2020, the day this transaction took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing incorrect accounts that are affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX Opened XX/XX/2020 Original creditor name : XXXX XXXX Balance {$490.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) The creditor replied they would remove the disputed item but the bureau is still reporting the information.

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 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I mailed Transunion & XXXX  a letter on XX/XX/XXXX. I have student loans on my credit report that are fraudulent. I never taken out any of these loans. I only took out one XXXX XXXX XXXX in XXXX for XXXX but there are 2 loans on my report for over XXXX each ( principal amounts ). 
I have also never done business with XXXX. They claim to have obtained the loans from XXXX XXXX. During my investigation I found out that XXXX sold the fraudulent loans to XXXX. They are both trying to collect on the same debt which was fraudulent from the beginning. None of their documentation has my physical signature on them which is required under Section 611 ( 5 ) ( A ) of the FCRA. My name is typed in on the documentation but Transuion said they verified the account. I requested proof and all they sent me was a copy of my credit report with the loans on it and said the loans are verified. 

XXXX followed the proper steps and deleted these items from my report & I thank them.

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 2020-12-19 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: NJ

Complaint narrative:
Equifix is reporting me late on both of my student loans after I paid them off. These marks are ruining my credit. They are reporting me late 90 days 28 times. 28!!!! TIMES They agreed to remove these marks if I paid them. I have tried to contact the lender but they just give me a different address every time I try and contact them. I attached Equifax images showing 28 90+ day lates and all the addresses they use so they never respond to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2020 I tried using my prepaid debit card ( unemployment benefits card ) to make a purchase, I was given the message insufficient funds, I immediately checked my account knowing I had just been paid by Nevada unemployment that morning. My account showed a withdrawal of {$980.00} from XXXX XXXX XXXX. I immediately called BofA who my prepaid card is through to report this unauthorized transaction, the representative immediately closed that card and reissued me a new one and transferred me over to the fraud division. I was on the phone with the representative of BofA fraud division for almost 30 minutes going over what happened and what I needed to do from that point forward. I complied with everything they asked me to do including filing a police report just to find out 2 days later they closed my claim on getting reinstated back my funds. I've have since called 4 times in a 2 week period inquiring on the staus just to be told it would be escalated and to this date nothing. I have read and researched this problem that XXXX people have had the same issue and 99 % of the ones I've spoke to have yet to get any help from Bank of America getting back. Now yesterday XX/XX/2020 I went to make a withdrawal from a BofA atm and it states my account is frozen with {$470.00} in the account. I called BofA again they said it was frozen by XXXX which I can't get through to. I can't get any correct information from BofA as to why they can see my funds but can't give them to me with all the proper identification. PLEASE HELP ME, IT'S THE ONLY FUNDS I HAVE TO SURVIVE

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 2020-12-19 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: NC

Complaint narrative:
I am disputing incorrect accounts that are affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing incorrect accounts that are affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2020 I sent a wire transfer for {$5000.00} plus {$35.00} fee to XXXX XXXX to My sister in Law. The money never got there. I called several times, and every time they said that the bank in XXXX XXXX, XXXX XXXX, didn't recognized the account. I verified every time with my sister in Law and the account number, bank number and company was right. 
You can read the letter that I sent to Citibank to Puerto Rico and one to XXXX XXXX, Texas. 
The problem is that after two months and a half, they refund me the money, but not completely, I sent {$5000.00} plus the {$35.00} fee. I want that money back. They only refund me $ {$4700.00}. They still owe me {$240.00}. One time they said they have to buy the money back. How in the world they have to buy the money back if the money never was delivered. If they sent {$5000.00} and nobody received it. The XXXX XXXX  in XXXX XXXX never accepted. Somebody wants to keep {$240.00} for themselves. 
I'm not paying for their mistakes. Please, help me out to get my {$240.00} back. That's includes the {$35.00} transfer fee. They never made the transfer. Enclosed are the letters I sent to Citibank with all the information and a copy of the transfer. I also sending this complaint to 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 2020-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
Never The application before their system timed out when I went back in to login it had a denial for {$200.00} loan that I did not request I spoke with someone at the company does telling me they dont know how to fix it the system was asking me for baking information I never submitted the application so how can they go forward

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: CT

Complaint narrative:
XX/XX/2020 {$120.00} Also another amount of {$1700.00} company name : Dynamic Recovery Solutions The fraud being reported on my credit report FDCPA Section 807 Violation misleading false reporting this account is inaccurate and I'm seeking litigation. please delete it at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XX/XX/XXXX I payed XXXX $ for a XXXX XXXX XXXX XXXX on XXXX but didnt get it. I made a police Report in XXXX to get a fraud service at XXXX XXXX  in XXXX. XXXX XXXX  took contact with Wells Fargo bank to get result. Wells Fargo bank did not get me any result of : ar the account correct for the seller, are the money still on the sellers account, has he money on the 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 explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XX/XX/XXXX, there were two unauthorized deposits of {$1200.00} at an ATM in NY. See attached page from bank statement for more details. 

On XX/XX/XXXX, there were six unauthorized withdrawals for a total of {$1800.00} made with the " XXXX XXXX ''. See attached page from bank statement for more details. 

I did not recognize the transactions until the there was a withdrawal the bank the attempted attempted to correct the unauthorized deposits and withdrew {$1200.00}. It seems the checks may have represented a stimulus check. I have never received a stimulus check have have not been to New York, nor have any connections in New York. In order for the fraudulent deposits to be made, someone had to have stolen my pin and created a fraudulent card. 

So + {$2400.00} on XX/XX/XXXX, - {$1800.00} on XX/XX/XXXX and then - {$1200.00} in XXXX leaves me down {$600.00}. If the banks try to correct the other {$1200.00} deposit, I would then be down {$1800.00}.

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 2020-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My account got restricted for the 2nd time in 2 months without explanations. 

these were the two last months before my annual fees were due.

When I called capital one on XX/XX/2020 at XXXX PST I have been transferred to 3 representatives who had put me on hold until the last one told me that I ll be put on hold for 5 minutes but never picked the line back after 20 minutes. i have waited a total of 90 minutes on the phone without even getting close of a resolution.

I also asked the first representative to get my annual fees refunded, but he told me that this was not possible since my account is restricted. So I couldn't get my annual fees refunded nor I can use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Trans union is still reporting my XXXX XXXX account as late. The bank agreed to remove this MONTHS AGO! Trans Union is also reporting my student loans inaccurately but now I know for 100 % certainty they aren't even investigating anything at all. This is a joke. People are struggling more than ever and you people are making everything much harder than it needs to be. They aren't even checking to see if the information is accurate making the dispute process meaningless.

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 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: IL

Complaint narrative:
I tried to upload a check on XX/XX/XXXX. it didn't go through. I called Ingo and they told me my account was in collections and terminated. Ingo told me that the check in question was cashed within the last 30 days. the only check I cashed within 30 days was a USPS claim check # XXXX for {$52.00}. my XXXX account shows that ingo deposited the check on the XXXX of XX/XX/XXXX and again on the XXXX of XX/XX/XXXX. I do not know if it is the same check. Ingo emailed me on saying that the check was delayed and successfully funded on the XXXX. Therefore I assumed that the original check from the XXXX was successfully deposited on the XXXX. 
I don't know if Ingo deposited two different checks from the XXXX and XXXX by mistake on their end. Ingo didn't contact XXXX  or me about any bad check or Collections. it has been almost a month since the check was funded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
My name is XXXX XXXX and I used square payment as a payment processing for my XXXX. 

But they stopped offering me their services because I had a chargeback and they said they will hold my available funds until XX/XX/2020 then they will send it to me. 

They assured me that they will get in touch one week before they send the money on XX/XX/2020. They haven't got in touch with me, but they kept withdrawing money from my bank account for a fee I do not understand. 

The chargebacks were all settled and I have about {$500.00} which was ruled in my favor in my square account but the money has disappeared and I can't find it anymore. 

I need to remind square of that to send my money as promised or I will sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have tired to resolve this issue disputing online with Trans Union but they aren't even looking in the information. They are reporting me late so many times my credit is trashed. I paid the student loan off with an agreement to have this removed. I paid over {$2000.00} during a pandemic when people are losing they apartments and jobs. When I try to contact the student loan provider they give me different phone numbers and addresses making it impossible. Trans Union doesn't even investigate. Attached payment and the multiple addresses they use so it's impossible to contact. These are all the same dispute but different addresses and contact numbers. When I call they just say to call the next person.

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 2020-12-19 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: NY

Complaint narrative:
I mailed XXXX  & Experian a letter on XX/XX/XXXX. I have student loans on my credit report that are fraudulent. I never taken out any of these loans. I only took out one XXXX XXXX XXXX in XXXX for XXXX but there are 2 loans on my report for over XXXX each ( principal amounts ). 
I have also never done business with XXXX. They claim to have obtained the loans from XXXX XXXX. During my investigation I found out that XXXX sold the fraudulent loans to XXXX. They are both trying to collect on the same debt which was fraudulent from the beginning. None of their documentation has my physical signature on them which is required under Section 611 ( 5 ) ( A ) of the FCRA. My name is typed in on the documentation but XXXX said they verified the account. I requested proof and all they sent me was a copy of my credit report with the loans on it and said the loans are verified. 

XXXX  followed the proper steps and deleted these items from my report & I thank them.

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 2020-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I paid the debt off in XXXX and the person I spoke to when paying said that they would remove from credit report. They sent me a account resolution letter. Then reported on my credit that I still have an outstanding balance and owed the entire amount in XXXX. I filed a credit dispute and all they did was update it to show I still havent paid even though I have a letter from them stating I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
i have not used this credit card (XX/XX/XXXX) since last year. i made all my payments right in time, but this people sent me a statement and a balance ( {$220.00} ) with late fee charges for all the year.I called this credit card but this people don't understand they only want money. I lost my job, i can't even go shopping. This people is crazy

Company response to consumer: Closed with explanation