vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: WA

Complaint narrative:
I got a credit card through XXXX XXXX 's insistence that it would help my credit. The card is called, XXXX ' from Continential Finance . From the first moment I received it, it has been laced with problems that seem fraudulent because they try to extort more money than they are owed by their Customers. They are quite good at it. My first payment was {$99.00}, they withdrew from my bank XXXX payments of {$99.00}, on auto-pay but it was MY fault. I had to call and fight with them to refund XXXX payment. Since then, I have had to call them every single month after I've made a payment because something is always incorrect! Wrong amounts, always to the detriment of myself. This month however was the straw that broke the camels ' back. I prefer auto-pay, ( which comes out of a checking account ). I wanted to change that information to a new bank & I went to the account page at XXXX XXXX  2 weeks before my payment was due in hopes all information would sync by my payment. ( Their accounts page won't allow you to select more than one bank for auto-pay ). I always pay my entire bill each month, this month my balance was {$180.00} to come out of a XXXX XXXX checking account. That amount came out and so did a {$35.00}, ( minimum payment. ) from my XXXX XXXX account!! It made that account go to NSF status. It's constant with this company. I have noticed they change information on my accounts page such as dates, and dollar amounts and have deleted a month or two payments, which always return in time. I would say, " As if cooking the books! '' I spoke to a Supervisor today about refunding the {$35.00} along with {$25.00} NSF fees. Help, I know I'm not the only one they're doing this too.

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 2022-01-14 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: CA

Complaint narrative:
On XX/XX/2021, PayPal sent me an email with the subject line, " You can no longer do business with PayPal ( Ref ID - XXXX ) ''. The email stated that my PayPal business account is permanently limited due to " potential risk associated with the account '' and my funds would be frozen for 180 days. 

I am a brand new coaching business, I signed up for this PayPal Business account on XX/XX/2021. At the time I received this email, I had a total of 3 customers who had paid me a total of {$1100.00} through PayPal. 

I am unable to access payments from these three different clients. The transaction deatils are as follows : XX/XX/2021 - {$330.00} XX/XX/2021 - {$440.00} XX/XX/2021 - {$440.00} I reached out to PayPal for an explanation on XX/XX/2021 and spoke with XXXX from PayPal Limitations Department. XXXX told me that she was unable to tell me why I can no longer do business with PayPal and she told me that the decision was irreversible. When I asked for more information, XXXX told me that that information was for " internal use only ''. She also told me that I would need to wait for 180 days from the time of the account being disabled to be eligible to receive my balance of {$1100.00}. 

I asked to be connected with her supervisor and she told me I would get a call back from XXXX XXXX, " one of the supervisors in the back office team ''. 

I then spoke to XXXX XXXX, who identified himself as a PayPal supervisor, and he told me the same thing XXXX told me. At no point was the conversation heated. He ended up leaving the call without explanation by putting me on hold ( with no warning ) and then never came back. I waited on hold and the call was disconnected after around 10 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Transfinacial is reporting on my credit report for a medical bill in the amount of XXXX. Ive asked them to validate the debt and send me a contract with my signature and any procedures Ive had with them. Ive never been to transfinacial or had any dealings with them. Since they cant validate the debt with my signature or nothing else I want it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i paid XXXX XXXX XXXX XXXX XXXX XXXX {$940.00}, in payments : ( 1 ) ) XX/XX/21 {$45.00} ( 2 ) XX/XX/21 {$130.00} ( 3 ) XX/XX/21 {$45.00} ( 4 ) XX/XX/21 {$45.00} ( 5 ) XX/XX/21 {$45.00} ( 6 ) XX/XX/21 {$130.00} ( 7 ) XXXX {$45.00} ( 8 ) XXXX {$240.00} XX/XX/21 {$200.00} BANK OF AMERICA, WHICH I FILED SEVERAL DISPUTES WITH REFUSED TOO HELP ME GET MY MONIES BACK FROM XXXX XXXX, EVEN WHEN I PROVED IT TO THEM!!! I WANT YOU TO CALL BANK OF AMERICA XXXXXFRAUD TOO PROVE THAT BANK OF AMERICA REFUSES TOO GIVE ME A REFUND OF {$940.00} THAT XXXX  XXXX TOOK FROM ME!!! I SIGN THIS UNDER THE SEVEREST PENALTIES OF PERJURY TOO PROVE THIS TOO YOU!!!!!!!!!! XXXX XXXX XXXX. PLEASE HELP ME GET MY MONIES BACK, AS I LIVE ON FIXED INCOME.

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 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted XXXX banker who helped me with the mortgage on the existing house I purchased back in XX/XX/XXXX in XXXX XXXX. Since our family decided to move to XXXX XXXX, I contacted the same banker at XXXX to obtain another loan for the XXXX house and explained my plan to keep the current house till XX/XX/XXXX until my child finishes school here, then also be able to get capital gain exemption ( 2 years holding period ). To make a story short, XXXX banker told me and my realtor that the loan is approved, and we could remove loan contingency. Then a few days before our planned closing date, XXXX suddenly told me that I needed to lease my existing house for 1 year to get the loan. At that point, it was too late to do anything, and I was going to lose my deposit ( {$72000.00} ) if I did not purchase this house in XXXX. I had to sell all of my stock holdings in IRA to make enough cash to purchase the house so I could purchase the house and not lose {$72000.00} deposit. Now I have to pay for huge income tax and penalty on the IRA early withdrawal. XXXX or any financial institutions need to be liable when they " release loan contingency '' and do not fulfill their commitment to provide the loan. It puts us home buyers at huge financial risks and they need to be liable for any financial damages they caused by authorizing borrowers to release loan contingency.

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 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: WA

Complaint narrative:
Multiple fraudulent accounts have been reported to PNC Bank. They state account closure and confirm reporting of fraud. But account remains open, reaching out to the business does nothing to resolve this issue. False promises and the company allowing account creation without basic identity or credit verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
Barclays US offers a branded Frontier Airlines Master Card where XXXX award miles are awarded upon opening the account and completing one transaction. Barclays actually has no internal system in place to award those miles. My account has been open 5 months and despite my calls to customer service I'm unable to gain resolution.

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Acct Ending # XXXX, Date XX/XX/2021, Balance {$49.00}, Description XXXX XXXX received from XXXX XXXX. 

This payment I received via currency exchange. I paid XXXX XXXX XXXX and she paid me USD. After her payment confirmation, I sent her XXXX for the money exchange on the same day. 

Since I didn't know how XXXX works. I asked Capital One agent before she transferred the money to my Capital One account. I was told XXXX XXXX is like cash transactions. Once they send the money, they won't be able to withdraw it without authorization from account owner, no matter what they claimed for. As such, I accepted XXXX payment based on the agent 's information. 

After the sender received my money, she filed a fraud after a month. In order to clarify and investigate further, I filed a police report immediately since she got double payment. She received my XXXX XXXX. And she also got her money back. What she has already done is fraudulent. Based on the police report, Capital One should be able to understand what's happening.

However, slapping on the face, Capital One took the money out of my account without my permission. The bank is stealing my cash from my account! Even if the police has already been involved to investigate why XXXX XXXX XXXX made fraud case. As my bank, I require Capital One to keep my money safely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
In XXXX I enrolled at college at XXXX XXXX University. They pushed Navient as a private lender for me to pay for school. After college The payment was too high for me. As I did not have a job in my field. Instead of offering me income based repayment which my payment should've been zero dollars a month they pushed me into forbearance. I was in forbearance for a few years and then they contacted me threatening me that I must make some sort of payment. At this time my student loan debt had increased significantly from my 9 % interest rate. finally three years ago they told me they were going to garnish my parents wages and their assets if I did not make a payment. They then enrolled me in a interest rate reduction program. Whenever Covid hit they did not let me participate in the forgiveness of payment even though I had no job and was barely surviving. For the last 12 years I have been harassed, bullied and received no options as to other ways for me to make payment. They now have their settlement which they are paying back borrowers, but only those who have defaulted on their loan. Which at the time they did not let me have any option of defaulting I HAD to make a payment. For the last three years I have been paying {$4000.00} in interest a month. My last year XXXX I only made {$13000.00}. If that puts it in perspective.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TX

Complaint narrative:
On XX/XX/XXXX of XXXX our home was foreclosed on. For the past XXXX and XXXX years we have worked hard to improve our credit pay off any debt and make ourselves trustworthy again. Because of freedom mortgage we have not been able to obtain a new home loan. My husband is a VA eligible borrower and because freedom mortgage is reporting the account paid off in closed XXXX of XXXX instead of XX/XX/XXXX of XXXX when we were evicted. We have not been able to obtain a new mortgage on a new home we are trying to purchase. We take full responsibility and acknowledge the foreclosure. It happened due to circumstances beyond our control and we wish we could go back and correct the issue before the foreclosure took place. Unfortunately that is not the case and we must deal with the repercussions, but we ask that information be reported properly to the bureaus. We have filed various disputes asking for the dates to be corrected. And to show the last account reporting date reporting information and close account dates to be based on the date that the home was purchased by a new buyer which is XX/XX/XXXX. Reporting the account close in XXXX of XXXX is unacceptable unprofessional in a blatant lie. The account was and should be reflecting as closed out in XXXX and although we have tried various measures to correct the issue freedom mortgage has been difficult and unable to assist us and legally I believe they should not be able to do this We were asked to move out of our home in XXXX because the home was sold there should be no other legal stands for them to report anything after that date I have documentation showing when the property was sold, As well our eviction notice stating that the home was sold. All we're asking is for a credit reports to show the account closed date and last reporting date of XX/XX/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 2022-01-14 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: TX

Complaint narrative:
On XX/XX/XXXX of XXXX our home was foreclosed on. For the past XXXX and XXXX years we have worked hard to improve our credit pay off any debt and make ourselves trustworthy again. Because of freedom mortgage we have not been able to obtain a new home loan. My husband is a VA eligible borrower and because freedom mortgage is reporting the account paid off in closed XXXX of XXXX instead of XX/XX/XXXX of XXXX when we were evicted. We have not been able to obtain a new mortgage on a new home we are trying to purchase. We take full responsibility and acknowledge the foreclosure. It happened due to circumstances beyond our control and we wish we could go back and correct the issue before the foreclosure took place. Unfortunately that is not the case and we must deal with the repercussions, but we ask that information be reported properly to the bureaus. We have filed various disputes asking for the dates to be corrected. And to show the last account reporting date reporting information and close account dates to be based on the date that the home was purchased by a new buyer which is XX/XX/XXXX. Reporting the account close in XXXX of XXXX is unacceptable unprofessional in a blatant lie. The account was and should be reflecting as closed out in XXXX and although we have tried various measures to correct the issue freedom mortgage has been difficult and unable to assist us and legally I believe they should not be able to do this We were asked to move out of our home in XXXX because the home was sold there should be no other legal stands for them to report anything after that date I have documentation showing when the property was sold, As well our eviction notice stating that the home was sold. All we're asking is for a credit reports to show the account closed date and last reporting date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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:
On XX/XX/XXXX of XXXX our home was foreclosed on. For the past XXXX and XXXX years we have worked hard to improve our credit pay off any debt and make ourselves trustworthy again. Because of freedom mortgage we have not been able to obtain a new home loan. My husband is a VA eligible borrower and because freedom mortgage is reporting the account paid off in closed XXXX of XXXX instead of XX/XX/XXXX of XXXX when we were evicted. We have not been able to obtain a new mortgage on a new home we are trying to purchase. We take full responsibility and acknowledge the foreclosure. It happened due to circumstances beyond our control and we wish we could go back and correct the issue before the foreclosure took place. Unfortunately that is not the case and we must deal with the repercussions, but we ask that information be reported properly to the bureaus. We have filed various disputes asking for the dates to be corrected. And to show the last account reporting date reporting information and close account dates to be based on the date that the home was purchased by a new buyer which is XX/XX/XXXX. Reporting the account close in XXXX of XXXX is unacceptable unprofessional in a blatant lie. The account was and should be reflecting as closed out in XXXX and although we have tried various measures to correct the issue freedom mortgage has been difficult and unable to assist us and legally I believe they should not be able to do this We were asked to move out of our home in XXXX because the home was sold there should be no other legal stands for them to report anything after that date I have documentation showing when the property was sold, As well our eviction notice stating that the home was sold. All we're asking is for a credit reports to show the account closed date and last reporting date of XX/XX/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 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. CAPITAL ONE ***** Opened date : XX/XX/XXXX Balance {$140.00}, CAPITAL ONE BANK USA ***** Opened Date XX/XX/XXXX Balance {$130.00} ) I do not believe I was late on the dates you are reporting ( XX/XX/XXXX ). Please report the payment status positive and update all late from reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I've recently checked my consumer report and I notice that this company placed an unauthorize inquiry on my consumer report. I suspect that my identity may have been stolen and that a possible crime has been committed by your corporation. There are no open accounts tied to this account on my consumer report, nor did I allow this company to report my personal information to any reporting agencies. Additionally, I am a protected consumer, this company is sending me mail which is a form of communication when I never done business with them before, nor did I get proof of my ignition of the account. I am demanding this inquiry to be deleted from my consumer 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 non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
A money transfer was unsuccessful due do to XXXX not accepting funds and demand that was sent they only accept a victim only accept direct deposit or ACH from a bank account account request for refund from Western Union who refuses From the transaction fee in a multiple {$16.00} portraits action there was 3 transactions I received email stating that I would receive the complete refund transaction plus plus money transfer amounts but I have not what's the name of your feet what's the need to be fuses to assist assist customer service representatives hang up the phone I'll keep you on hold for 3 hours waiting for waiting for resolution that That's not happened

Company response to consumer: Closed with explanation