vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-30 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: GA

Complaint narrative:
I contacted this company on XX/XX/XXXX regarding why my payments are being reported late on my credit report, spoke with a manager by the name of XXXX who informed me that I was correct my payments were not being report correctly and were not late, that it was due to a system glitch that my payments were being rejected. She informed me that she has submitted a dispute to have the negative remarks removed and insured the issue would not occur going forward. Since then I have been making more payments to my account and loan that are still being marked as late and in collections with my credit report. Im certain my consumer rights have been violated by this company unethical way of applying my payments and reposting them as past due when they have never been late.

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 2020-05-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, I attempted to withdraw cash from my Bank of America prepaid card issued for the EDD for California unemployment benefits. My withdrawal kept getting canceled at the ATM, with no further information. I then tried using the card at multiple point of sale terminals, with each transaction getting declined. 

I tried logging into Bank of America online account, only to be told that my " security information was invalid '', with no further information given. 

When I called the number on my card, the only message given to me was an automated message stating that my account had been closed. 

When I finally spoke to a live person on XX/XX/2020, I was told that my account was not closed but had a hold placed on the account for suspected fraud. 

I was then told that the only way I could fix the issue was to call a specific department at XXXX. 

I have been calling this number for multiple days, each time being on hold for 4+ hours, only to eventually be disconnected. This is the only income I have and my rent is now late. Nobody at bank of America is able to assist me in accessing my money or even answering my calls to resolve the issue. 

I also want to note that I was never contacted via any method ( call, email, or text ) warning my that my account has suspicious activity or was being put on hold. They simply locked all access to 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 2020-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
In XXXX a double wide mobile home was completely paid for the owner tried to transfer ownership of this mobile to myself and my daughter in XXXX. He found out the lien was never released and in XX/XX/XXXX he contacted Bank of America, after we all spent 7 months of fighting with Bank of America to release the lien on the titles, one clear title was received and transferred however Bank of America never took the lien off the second title. Until selling the property and having a closing date of XX/XX/XXXX we were unaware that this lien existed on one half of the mobile. The buyer is now wanting to walk away because Bank of America has this lien on the title and we are going to loose the cash sale, we were not able to close on XX/XX/XXXX due to this lien. I have been in contact since XX/XX/XXXX with Bank of America and am tried to get them to sign a lien release for the AZ XXXX but they are saying because it is from so long ago they need time to research in order to sign a lien release and are not getting in any big hurry to remedy this situation that they have caused. We have bill of sale for both the title documents notarized by the original owner in XXXX, he died in XXXX. Just received a letter from Bank of America XX/XX/XXXX claiming they sold the loan that was paid off in XXXX and are unable to process the request to release the lien on the half of the mobile they were supposed to have released in XXXX. They know that unless this lien was released immediately, we loose our buyer to our home. As of XX/XX/XXXX a letter was received from Bank of America regarding releasing the lien this is what it said : The number is worthless to call because you have to be current customer with an account number to access any of the numbers to Bank of America. None of the other people I finally got ahold of will call me back to tell me who they sold a paid of lien to. 
Bank of America XXXX XXXX XXXX XXXX, NC XXXX XXXX, XXXX XXXX Your home loan lien release request has been cancelled. 
Date : XX/XX/XXXX Reference No : XXXX XXXX Address : undisclosed, Arizona " What you need to know We are unable to process your lien release request because : Bank of America either sold or transferred your loan to another financial institution What you can do lf you have additional documentation or proof of payoff, please ca!! the number listed be! ow and submit a new request. 
We're here to help We appreciate the opportunity to serve your financial needs. If you need further assistance, please call us at 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 2020-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My account was marked as restricted and Ive been unable to move or withdraw funds since early XXXX. I sent numerous messages through their customer support chat. I called on XX/XX/XXXX and XX/XX/XXXX and was told the restriction would be removed by XX/XX/XXXX. This did not happen. I called again on XX/XX/XXXX and XX/XX/XXXX and was told my case was still in the queue both times. Yesterday, XX/XX/XXXX, I requested to close the account and have my money withdrawn or transferred out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30 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: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days & I havent received any investigation results.

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 2020-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Reconnecting on my bank online account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I called Sears Home Improvement for a free estimates for my roof and Countertop, A XXXX came out and gave one for my countertop, then a roof guy came and gave me XXXX for my roof the next day. Both rep then ran my credit and to my surprize I was approved for {$25000.00}. I went ahead and sign the contract but I advised XXXX that the payments was way too high but my Insurance company was in process of giving me some money for damage on my roof. It did not come through. I then called my XXXX XXXX and told her that I was cancelling the deal, she told me it was ok because she gets paid anyway and that she would come back to my home and do the cancellation herself, we agreed. I filled out the cancellation form and mailed it in two days before, XXXX XXXX didnt come to my home her boss did and his intention was to convinced me to keep the deal going. I refused he then told me cancel the countertop and put the roof on hold uhtil, but I refused and told him to Please cancel the contract, we shook hand and then he left. To my surprized he didnt cancel the deal and so my card was charged

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 2020-05-30 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: IL

Complaint narrative:
I filed a chapter XXXX bankruptcy in XX/XX/XXXX that was discharged in XX/XX/XXXX. Every collections account I had has been updated showing discharged in bk/closed, but one account. My account for XXXX who's collecting through XXXX XXXX XXXX is the only account still showing as an open collections account but should be reported as discharged in bk/closed. I've reached out to the Collections company in addition to Transunion and XXXX to dispute the incorrect status and nothing has been 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 explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/2020, I tried to link my XXXX account to my bank from my phone. Every time I tried there was an error, so I tried using my computer. I got an email the same day saying within 3-5 business days XXXX would make two small deposits and to give them that information. However, the deposits never came. I later came to learn PNC made changes that are causing me to miss out on financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Please look into Bank of America 's credit card payment system. There is no reasonable way to enable Automatic Payments, that is to have the balance automatically paid each month. Unlike every other credit card I have ever seen. Please look into this. If you XXXX " how to set up auto pay on bank of america credit card '' you will see dozens of people describing the same issue.

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 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Goldman Sachs will not transfer my Apple Card to my current Apple ID.

The Terms and Conditions for the Apple Card issued by Goldman do not prohibit this transfer.

Failure to transfer this card means ( according to the options presented by Goldman reps XXXX and XXXX on XX/XX/20 ) : 1. I may cancel the account and suffer adverse credit score impact 2. I may continue to let the account be utilized under anothers Apple ID, without access to this account from my own Apple ID.

3. I may cancel the account and reapply for a new Apple Card account, and suffer adverse credit score impact.

At the time of filing of this complaint, I have a zero balance on this account, but have no acceptable means of protecting my credit score and ensuring any future liabilities are appropriately authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: The Borrowing Club
State: CA

Complaint narrative:
I believe this company is a not trustworthy and a scammer. A person named XXXX cold-called me on Friday XX/XX/2020 from XXXX XXXX XXXX XXXX. He said he had previously contacted me via a letter mailed to me and talked to me about an updated financial relief program as of last week. He told me to call back at XXXX XXXX XXXX XXXX and he'll cover all my options. He said he had all my information on his screen already. 

I called them back and talked to a different agent, and then directed me to another agent who was from XXXX XXXX. He said I could qualify for at {$15000.00} or more loan. I provided my name, SSN, and mother 's maiden name over the phone. Afterwards, they sent me an email with a contract, which I digitally signed. After doing more research into their company, I realized I did not trust them. Their physical address in XXXX XXXX, FL on the XXXX XXXX XXXX ( XXXX  ) website was linked with 2 other loan companies : The Borrowing Club and Unsecured Loan Specialists. I realized I had made a mistake, so I am filing a claim against the company and to protect myself from identity theft. I have also made a fraud alert on my credit reports to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
First, Portfolio Recovery carry accusations of alleged debt belonging to the referenced individual absent support of an affidavit ( s ) supporting their claim. Second, they were asked what do you say the money owed is allegedly related to? Third, an explanation of how they calculated what the allege owes? Fourth, copies of any documents that show XXXX XXXX agreed to pay any of the amounts they listed. Fifth, failure to provide any copies of any related alleged judgment. Sixth, show that the statue of limitations has not expired on this alleged account. Seventh, just because they provided the identity, name and address of the alleged creditor to CRAs does not constitute verification, accuracy nor confirms that XXXX XXXX is responsible for the allege debt AND eight, XXXX XXXX XXXX demands all original documents or at minimum a stamped true copy of the original with an attached affidavit supporting their claim that she has signed that facilitates any agreement between her and their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I applied for a Capital One secured MasterCard and because it was secured, I had to deposit {$250.00}. The card was approved and few days after I applied, they took the {$250.00} money out of my account. I waited for the credit card to arrive in the mail and to this day, I have still not received the credit card. I am at my wit 's end and do not know how to get my money refunded. I have tried countless of times to resolve the issue with Capital One. I have called them and addressed them, they have asked me to identify myself and each time, it could not be done because their system is faulty. The last time I talked to them about sending me the credit card or a refund, they promised they would send me the card. I still don't have the Capital One credit card and they seem intent on fraudulently keeping my {$250.00}. That kind of practice seems unethical and I want either a card or a refund. I have proof that they charged me and I also have proof that I never received a card from them or at least never used it. I have put effort on my end to try to resolve the problem and they have done nothing for me every single time I contacted them. We're in XX/XX/XXXX and I applied for this Capital One secured credit card a year and about 7 months ago in XX/XX/XXXX and I hope to see a resolution soon.Thank you! 

Additional Info : While writing this complaint, I went and dug a bit on my credit history that is still fairly inaccessible since my history is fairly new and found out that Capital One closed this card themselves yet I never received a refund for the card I never got to use.Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I settled my debt with Portfolio Recovery Associates, LLC on  XX/XX/XXXX and found out in XX/XX/XXXX that they falsely reported my debt unpaid to the credit bureau. 

I settled my debt with PRA through a third party settlement company on XX/XX/XXXX and found out in XX/XX/XXXX, while applying for a Mortgage, that PRA had falsely reported my debt unpaid to the credit bureau. When calling PRA, they lied to me and claimed that while they had recieved a settlement proposal, they never accepted that proposal. They continued to tell me that I still owed {$1300.00}, and then offered me a {$750.00} settlement as if they were doing me a favor. I called my settlement company shortly thereafter and they immediately furnished me with proof of correspondence, which proved the settlement had been accepted. PRA literally had multiple staff and management members LIE to me to try to get more money out of me. What they did is blatantly illegal, and if I had the means and the time, I would pursue legal action. These derogatory marks on my credit report have affected my ability to secure a mortgage and will affect my interests rates for years to come, indirectly causing me thousands of dollars in financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
XX/XX/20 I tried to use XXXX to send {$370.00} to my roommate for rent. However, PNC changed their rules and I can no longer do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Pursuant to 15 USC 1692 I am requesting validation for the following accounts with Nationwide Recovery sv : 1. # XXXX {$1600.00} 2.  # XXXX {$1100.00} 3. # XXXX {$390.00} 4. # XXXX {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: VA

Complaint narrative:
About {$2000.00} were taken from my account and they are not cooperating by not investing my claim. I need help getting my hard earned money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I was offered a credit card at Best Buy when I went in to purchase a laptop. I was offered a credit card with 0 interest rate for a year. After that year, any unpaid amount would start incurring interest. I made all my payments on time and I kept using the credit card for other purchases. When the promotion ended, Best Buy charged me interest for the year I had the promotion. I called them to figure out why they charged me for the promotional time and they said that was the deal. I offered to pay off the credit card balance immediately as long as they removed those charges/fees. They refused and now they are charging me over {$1000.00} on a {$500.00} credit limit card. This is ridiculous and they refuse to work with me. I called them the same month they added the fees and they refused to help and now they have ruined my credit. I am willing to pay them what I know I owe them but I refuse to let them take advantage of me after promising me a promotion that probably didnt exists.

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