vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX Home Depot reported me 30 days late. I disputed it several times with Home Depot and the credit agencies. I provided documentation that showed my bill is auto payed from my bank account and since they included a large interest payment one month, the payment was slightly short. I kept paying my bill month after month ( never " missed '' a payment ) they kept carrying over this small amount of interest, not known to me, and eventually considered the entire account late. 

XXXX Disputed it several times with this criminal credit reporting agencies who hold you XXXX with a number. You can't talk to anyone and have to mail letters ( what is this XXXX )? They return the dispute results that show Home Depot as reporting me late, Home Depot doesn't present any evidence, only that they have a piece of paper that says they said I was late! 

XXXX I dispute with XXXX once again. They respond in a few days and they obviously did not do any additional digging. They send me back this attached report that says nothing at all except that Home Depot says I was 30 days late in XX/XX/XXXX. XXXX is so bad and does such a disservice to the public that I'm going to also attach a screenshot of what they show on my report right now! They show 60 days late, and blank payments for XXXX and XX/XX/XXXX. They literally just sent a dispute report back to me that says it was only 30 days late and they can't even update their own website and info? you are supposed to trust these people with your credit file? It's disgusting..They don't get anything correct and I'm sick of dealing with them. People have enough to worry about in this difficult time than to deal with this non sense.

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 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
PayPal - negative {$3300.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$3300.00} XX/XX/XXXX Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3300.00} USD ; PayPal Posting Date : XX/XX/XXXX ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the  consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX never late XXXX/XXXX XXXX not mine XXXX/XXXX XXXX   XXXX not mine XXXX/XXXX XXXX not mine Additionally, Experian has systematically and maliciously changed items on my credit report to lower my score. 

XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-07-17 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:
Chase replaced my credit card due to fraud. I am having refunds/credits coming back to my old credit card number and it is not being transferred over to my new account. Called multiple times and they told me that this should happen automatically and there is a glitch in the system. Refunds/credits sit for weeks in the old account ... It has been more than three weeks and no one is fixing the problem ... The other issue is the dept that handles these kinds of issues is not accepting any calls, only emails which they never respond to ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OH

Complaint narrative:
In XXXX of XXXX, I contacted XXXX XXXX via an online chat message. I asked them how I could start cellular service with them. They mailed me two new SIM cards, that ultimately didn't work for me, so I NEVER signed up for service with XXXX XXXX, and per them, I disposed of the useless SIM cards. 2 months later, I began to get bills from XXXX XXXX all day long. After about 1 week 's worth of calling there and being bounced between customer service and the fraud department, XXXX XXXX was able to verify that I had NEVER used their service, and they sent me an email stating that I didn't owe them any money and that the matter was closed. Two weeks later, I am getting a bill from a collections agency called AFNI for an amount of {$230.00}? That wasn't even the amount that they said that I owed. I have an email from XXXX XXXX which confirms this. How can I get these people to STOP calling me about a debt that isn't even mine? Now, the debt collection agency tells me that I have to file a police report? A police report for what? Not taking XXXX XXXX service? Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: GA

Complaint narrative:
I received a response from you CFPB in reference to my last complaint against Transunion that the company needs more time to respond to my request. I am beyond appalled that you would even allow this response when the complaint filed showed proof that Transunion had already violated my rights under the FCRA section 611. My request was sent on XX/XX/2020 with no response or resolution by the 15 allotted days. How could they be allowed more time to be in violation of the law? I am now seeking legal counsel for your company allowing credit reporting agencies to knowingly and willingly violate consumer protection laws.

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 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
I authorized the payment of {$300.00}  to XXXX XXXX for a XXXX firewall to protect my computer, and had planned to make payments of {$100.00} per month up to the {$600.00} it cost for lifetime coverage, any computer. That was on XX/XX/2020. I talked with an XXXX ( it sounded like he was from XXXX ). I received an email XX/XX/XXXX that I could " upgrade '' my " subscription '' from 3 years to 6 years, if I wanted. I immediately called the phone number on the email and got an XXXX-sounding guy who told me that the email was wrong and he needed to change it. He needed to take over my computer again, so I let him. XXXX, I know now. He went to paypal and quickly changed some things, and just said, " just a minute '', when I asked him what he was doing. I didn't worry ; he sounded like the XXXX guy I had talked to, and when I asked him where XXXX XXXX was he said he was out on the floor. I believed him, unfortunately. He actually took a payment of XXXX $ and XXXX , and said they would cover the amount of {$300.00} dollars, which he would refund me. In short, he scammed me. I didn't know until XXXX XXXX from XXXX called me to ask what happened to the {$300.00} I had paid XXXX. To make a long story short, he showed me that I had been scammed by a guy named XXXX XXXX. This all happened on XX/XX/XXXX. XXXX XXXX went to paypal and tried to get their ( XXXX ) money back, but paypal said it wasn't authorized. Even though it had only been a couple of hours, Paypal had determined that I couldn't file a dispute about either the {$99.00} or the {$140.00}, or the {$300.00} dollars. They took the {$300.00} from XXXX, and won't give it back to me. I don't know what happened to the {$300.00} that I paid XXXX. It is impossible to reopen a disputed claim with Paypal when it's been closed. I feel that Paypal shouldn't have blocked me from getting any of my money back, and needs to explain what happened to the {$300.00} I paid XXXX. When I go to the website, it says it was an unauthorized transaction, and it's closed. I wasn't allowed any time to question or dispute anything. Paypal doesn't answer their phone now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX I was laid off due to the COVID19 shutdown. I work in a XXXX  XXXX  in a XXXX  in XXXX XXXX. My boss says I will not be returning back to work until possibly XXXX or later. Unemployment is running out next week and I have no idea how I will pay my mortgage with a XXXX wife. I am in Forebearance with Wells Fargo but I have been paying every month since I am receiving unemployment. I asked/pleaded with Wells Fargo to put a few months payments to the back end of the mortgage like most other banks and mortgage companies are doing. Hopefully by the end of the year I will be back to work or find another job and can resume paying. Why is it only Wells Fargo has no program to help customers during this crisis. I did not ask to be laid off or lose my job thru any fault of my own. Wells Fargo gets away with a lot of bad dealings with consumers and then gets a slap on the wrist by the Federal Banking authorities and continues their crooked ways while the people that are supposed to look out for us are handed wads of cash by lobbyist to look the other way until it becomes a disaster. Then you have to throw a little fine their way. Please for once take care of the little guy. Me and many others will lose our homes due to a ridiculous government response to a flu. If you have any heart please, please force them to help consumers. Their billion dollar customers are getting loans from you and i can't get a month 's help paying my mortgage.

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 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was contacted by a company called XXXX XXXX via text message in XX/XX/2020 to sign up for a XXXX  XXXX  XXXX. I completed a form & received a provisional assignment in the mail on XX/XX/2020 that contained a cashiers check, which I cashed at Bank of America on XX/XX/2020. I was instructed to cash the check & go to a store to purchase two {$500.00} XXXX  gift cards & {$45.00} worth of groceries. I was then instructed to go to a second store & purchase two more {$500.00} XXXX  gift cards. I was told to take {$290.00} out in commission & keep the remaining {$26.00} for my second assignment. After completing my purchases I was told to send an evaluation of each store with receipt & gift card images. On XX/XX/XXXX I noticed a debit hold on my account for the amount of the check. On XX/XX/XXXX, the check amount was withdrawn from my account. I called Bank of America on XX/XX/XXXX to file a claim & ask to have my money returned to me so that I could set up a payment plan. I was told nothing could be done.

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 2020-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a purchase at The XXXX XXXX, the items were not what was described. I took my purchase back to the store, they accepted my return. They gave me a refund receipt, but as of today no refund has appeared on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am a member of the North Carolina State Employees Credit Union. On XX/XX/2020, I XXXX XXXX XXXX submitted through SECU 's online portal an application for a Visa Credit Card with a requested amount of {$4000.00}. The application gave me the option to list " other household income. '' I listed my boyfriends income as we live together. He pays the rent in the amount of $ XXXXmonth, and I pay utilities and a few other items such as the bulk of our groceries. My application was denied as of XX/XX/2020. I called my local branch in XXXX and requested a call back from a loan officer to discuss why my application was denied. During my phone call on XX/XX/2020 with the loan officer, he stated that SECU would not actually allow me to use my partners income as a factor in thier decision process as they had no proof that I had access to the funds. I explained that my partner pays the listed {$1500.00} rent monthly, and that I paid the utilities and bluk of the groceries for the household. I also explained that some of the utility bills had both of our names on it, as well as our rent was paid electronically through a portal via the realtors company and would prove that he pays the rent with his bank account each month. The loan officer cited that was still not proof that I had access to that money. That we would need a joint bank account. I advised him that I would not do a joint bank account unless I was married to the other person, and that it was not fair for that to be the requirement to prove that this persons income is a part of the " other household income '' as their application listed it. 
SECU loan officer continued to repeat that SECU would not allow loan officers to take that into account and that without that income my debt to income ratio was too high. I feel that this is deceptive on the part of the Credit Union and should be changed. On the application it allows me to list this income without any stipulations mentioned in terms of it being eligible income pertaining to my application. Anyone living together in our situation would be subject to the same misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I needed to get funds to pay off a large invoice. I logged into the Comenity Direct portal ( owned by Comenity Capital ) and tried to use the transfer function that Comenity Direct has on their website. The function only allows a limited amount to be transferred per month. Based on the funds that I needed it was going to take over half a year to transfer the funds. So I attempted to contact them but no one was available, so I submitted a message via the Comenity Direct bank portal ( copy attached ) that I needed to close my account and wanted my funds back. 

On XX/XX/XXXX, after no response - I called Comenity Direct and spoke with a representative. They took my details and said the account would be closed and the funds would be transferred to my XXXX XXXX XXXX checking account within 3-5 days. 

On XX/XX/XXXX, they responded to my XX/XX/XXXX email, saying that they would transfer the funds to my XXXX XXXX XXXX checking account within 3-5 days. 

On XX/XX/XXXX, I called Comentiy Direct and spoke with a representative. They acknowledged receiving my multiple complaints and apologized. They put me on hold for an extensive period of time, and said that the transfer was with the final department - but didn't know when the transfer would occur. 

It is now XX/XX/XXXX, I had to withdraw funds from another saving account to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
this is the 3rd time you've tried to collect something that is over 7 years old and you're falsifying the information you're putting on my credit report. This was disputed and removed before and no notification was received of this debt. I'm tired of going thru this and won't the item permanently deleted or I will file a lawsuit ALSO no notification of this debt being placed back on my report and per the law, you are required to notify me .. Then you report it as a fresh debt opened on XX/XX/2020 and THAT IS FALSE. THE DEBT IS NO LONGER VALID PER STATUE OF LIMITATION PLEASE DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Unable to link account to verified third party accounts due to PNC blocking access

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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:
Regarding previous complaint XXXX, I received a call from XXXX at XXXX XXXX on XX/XX/XXXX advising me that they were able to find the loan information and stated that it was still in their collection department and told me that a supervisor will cll me back to advise on how to settle it, when I did not hear from them I called on XX/XX/XXXX and was again advised that someone will call me back. When I did not hear back I called again on XX/XX/XXXX and spoke to XXXX who advised me that a 80 % settlement can only be approved from the supervisor XXXX. I received a call from the supervisor who approved the settlement. I went ahead to a branch and paid the settlement balance XXXX $ in the form of cash, and the rest in a check on XXXX. Once I made the payment I called the collection department and informed them of it they told me that I would have to wait for the check to clear before I can be sent a settled in full letter. On XX/XX/XXXX the check cleared and I again called to request the letter, I spoke to the Supervisor who advised me that it would be done. On XX/XX/XXXX when I did not get the letter I called XXXX collection again and was transferred to the customer service department and spoke to XXXX who informed me that I would not be able to receive a letter as the account is not saying that it is settled and still has a balance. I called the collection department again and was told I have to speak with the supervisor a message was sent to it asking him to call me back. On XX/XX/XXXX I got a letter from the XXXX written by the supervisor listing my name with my previous address ( even though I corrected it many times with the collection department and addressing me as a different 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 2020-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
this is the 3rd time you've tried to collect something that is over 7 years old and you're falsifying the information you're putting on my credit report. This was disputed and removed before and no notification was received of this debt. I'm tired of going thru this and won't the item permanently deleted or I will file a lawsuit ALSO no notification of this debt being placed back on my report and per the law, you are required to notify me .. Then you report it as a fresh debt opened on XX/XX/2020 and THAT IS FALSE. THE DEBT IS NO LONGER VALID PER STATUE OF LIMITATION PLEASE DELETE

Company response to consumer: Closed with explanation