vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my 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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
This account has a XXXX  balance and needs to reflect that on my credit report. Please see attached balance statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Loan No. XXXX Mr. Cooper Mortgage Company : Nationstar Mortgage dba Mr. Cooper XXXX XXXX XXXX XXXX XXXX Texas XXXX Account Number : XXXX ( XXXX ) XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Hardship Letter To Whom It May Concern : I am writing this letter to request a modification of my mortgage. I fell behind due to loss of income and although I now have income sufficient to make a payment, I can not pay the past due amount. This causes a problem, as Mr. Cooper will not accept a payment unless I pay all of my arrears. 

I am hoping you will help me family save our home by giving me a modification so I can honor my obligation and begin making payment as soon as possible. 

Thank you! 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This complaint is a follow-up complaint to CFPB complaint # XXXX due to the inaction and lack of communication by HSBC. HSBC ( XXXX XXXX ) responded on XX/XX/2020 requesting that I provide the local authorities ( XXXX XXXX police department ) with the information about the occupants ' identities in the rental property of where the mail containing my debit card stolen. XXXX said that once the police report has been updated with that info, the investigation can continue with an " expeditious conclusion. '' On that same day ( XX/XX/2020 ), later in the afternoon, I went immediately to the XXXX XXXX police department to submit a supplemental report, which I also took pictures of. Those pictures I attached to an email I sent to XXXX XXXX on XX/XX/2020 to update her on what I have done on my end. I had to make several calls before XXXX finally got back to me on XX/XX/2020 that she has sent the additional information to the " Fraud team. '' On XX/XX/2020 I sent another email to XXXX to receive an update on the progress of the investigation, since I have not gotten any updates beforehand, nor any call backs from previous calls. Since that email on XX/XX/2020 I have made a couple more calls with, again, no call backs or responses from HSBC. I had notified in my latest voicemail that I will be filing yet another CFPB complaint because as I have mentioned in the previous complaint, HSBC is absolutely not moving towards an " expeditious conclusion '' and wants to drain my account dry with the exorbitant maintenance fees, leaving my current balance as of XX/XX/2020 to be {$38.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Problem with how Kia Auto finance manage consumer loan payment. 
Bought new XXXX XXXX in XX/XX/XXXX. 
First payment due was XX/XX/XXXX. Set up auto debit in XX/XX/XXXX to be deducted from our checking. 
Payment was also deducted on XX/XX/XXXX ( XX/XX/XXXX was Sunday ). 
The problem start with XX/XX/XXXX payment. There is no debit from our bank, checked on XX/XX/XXXX on Kia Auto finance website, said that it was 1 day past due, tried to call company but line not available. 
Call back on XX/XX/XXXX, was told that their system was down, when asked why they did not put transaction through second time since we have auto debit set up, The rep was not able to give any explanation. He kept saying that if I paid over the phone, he would waive transaction fee.??? 
My issue is that 1. If there are auto debit in place, regardless of what happen on their end, why they did not put through transaction again. What is the point of setting up auto debit?? I decided that I am canceling auto debit. I will handle payment myself 2. Today is XX/XX/XXXX. Kia took out payment for XXXX and XXXX payment. Why 2 months since the payment due for XX/XX/XXXXis only for 1 pay and I was not late with my payment. 
3. When asked rep, how I would be assured that this issue would not be happening again, there were no answers .... I think this is unacceptable and a better solution needed to be putting in place in company policy. 
4. I want to send this whoever in charge of this company that I will never buy XXXX vehicles again. There are many options out there and if this is how they handle the payment then this is not for me. I will also not recommend This company to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2020 I called Chase Credit Card Analysts to request a credit limit increase where I was instructed I could make the request " online ''. Upon logging into my account and searching for instructions how. It appears I can not make the request " online '' with Chase. Screenshots will be listed below to show this. Call was made at XXXX EST

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account was closed with no warning leaving me with no funds available. I reached out to the bank and was told nothing. The reps I spoke to were very rude and no help at all. I still have yet to receive my funds that were in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I recieved an income execution letter from attorneys of XXXX XXXX XXXX XXXX, about a debt from XX/XX/2008 for XXXX XXXX interest, I firmly believe this is not my debt and that this is a case of 'debt tagging ' because of my common name. I immediately sent a cease and desist letter to all parties involved via certified mail with return receipts only to recieve an email from my employer stating they recieved said income execution letter to instruct my employer to garnish my paycheck. This is XXXX and I stress again that this is not my debt. Can you please assist me? This has distressed me greatly. I don't know what to do.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX Executive Correspondence Advisor Office of the President Kohls Department Stores Re : Kohls Charge Account ending in XXXX Kohls Case : XXXX CFPB Case : XXXX In regards to your response XX/XX/2020. I'm a have to disagree with your letter because I didn't open the Kohl 's Charge account mentioned above and of course it's going to be the same personal information provided if my personal information was obtained during the identity theft stage but it doesn't apply to me opening the account, I even sent you supportive documentation showing that I was XXXX  during the time period the account was opened in my name and you failed to provide the proper documentation that I requested, you provided statements that I'm not familiar with so therefore I trust the information provided didn't address my concerns. So looks like I will be proceeding with legal action because you didn't provide the following listed below. 

Agreement with your client that grants you the authority to collect on this alleged debt. 

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. 

Name and address of alleged creditor. 
Name on file of alleged debtor. 

Alleged account number. 
Address on file for alleged debtor. 

Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification thatthis debt was assigned or sold to collector. 

Complete accounting of alleged debt. 

Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was offered a loan modification that is a little to high to pay. There is no room for emergency or incidents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was granted a loan modification but its a little to high to pay and I don't want to be in this same situation ever again. The trial period mortgage payment is {$720.00}. With this payment, I may end up back in this same position. I am asking for the proposed payment be reduced by $ XXXX {$150.00}.

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 non-monetary relief
Consumer complaint received 2020-03-05 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: NY

Complaint narrative:
On XX/XX/2020, I purchased a XXXX 100 oz silver bar in the amount of {$1900.00}. My purchase was paid with PAYPAL Credit account. I received the silver bar on XX/XX/2020. While inspecting my purchase there were defects with the silver bar. The silver bar had dents and scratches on the metal. I contacted PAYPAL.COM and was directed to contact the merchant, XXXX, first. I opened a complaint/dispute with PAYPAL.COM, at their direction, until I resolve my transaction with the merchant. PAYPAL.COM placed a temporary credit for the amount, {$1900.00}, until resolve my transaction with the merchant. 
On XX/XX/2020, I contacted XXXX, and informed them about the condition of the metal. I informed that I would like to return the metal. 
Thereafter, XXXX sent me a XXXX PREPAID return label vial email. Their executive company is located in XXXX, Texas. Their Vault/Warehouse, where the metals are stored, at their fulfillment Center is XXXX XXXX. I went to a XXXX  on XX/XX/2020 with the package, and was informed that it would be received by the merchant by XX/XX/2020. I received confirmation that the it was received. Thereafter, XXXX refunded my PAYPAL CREDIT ACCOUNT for the amount of the of {$1900.00}, the purchased amount on XX/XX/2020. 
I contacted PAYPAL.COM, which is different from PAYPAL CREDIT, that the refund was placed on my credit account. 
I have been contacting PAYPAL.COM, informing them that my refund was applied to my PAYPAL CREDIT. PAYPAL.COM is not acknowledging all the documents of receipt I have sent them. They state that the merchant stated that I did not return the package and the the merchant did not provide the refund, which they did. I have sent all documents from the merchant, XXXX of their receipt and PAYPAL CREDIT that indeed merchant refunded me the credit. 
This has been going on with PAYPAL.COM for the last 2 months and they want me to pay the {$1900.00} to my PAYPAL.COM which they are not credit account just an online service. 
I will attach the documents that I have provided to PAYPAL.COM confirming my return and refund provided by XXXX to my my PAYPAL CREDIT. 
I feel that PAYPAL.COM is giving me unnecessary stress. I am retired, and can not afford to loose money that belongs to me. 
Thank you for your assistance. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/20 I ordered a " bill pay '' from the bank of america website. This order shows a completion date of XX/XX/20 or in their words " processed. Now on XX/XX/20 nothing has been removed from my account, the balance is the same. The order is designated cfm # XXXX in the amount of {$840.00}. Also cfm # XXXX and cfm # XXXX. None have been completed. I wish to close this account with no penalties or fees and the bank is dragging its feet. There is also the matter of {$3000.00} in a credit card account they haven't released. I thought the CFPB was formed to regulate these thieves. You have a long way to go.

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 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
This complaint is about my efforts to return three ( 3 ) of the four ( 4 ) pair of boots purchased for my daughter at a Lane Bryant in XXXX XXXX, XXXX, MD. My daughter decided to keep one pair of boots and I attempted to return three ( 3 ) pair of boots. This store no longer exist in the stated location. 

The store location in which I attempted to return the boots purchased would not accept the boots for return for the stated reason that they were not in a box. Two ( 2 ) pair of boots/shoes were not in a box when purchased. I had a receipt and the attempted return was made within the time allowed. 

Three ( 3 ) pair of boots I purchased for my daughter were too small so I initially attempted to return the boots to a location other than the one where the purchased was made. The store location in which I attempted to return the boots purchased would not accept the return because they were not in the original box. I explained to the then store manager that the boots were not sold to me in a box. 

I went back to the original store where the purchase was initially made in my efforts to initiate the return. However, by that time, I could not locate my receipt and the store manager at this location could not find the purchase in their records. The purchase was made using a Lane Bryant stores credit card. The style number of the boots I purchased and are still awaiting return to Lane Bryant are included below. When I purchased the boots, they were on sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: MD

Complaint narrative:
On XX/XX/20, I completed a transaction on the XXXX XXXX. This transaction was completed on there platform, where I was invoiced by seller, paid via their platform via PayPal. The item was not shipped out and the seller has refused to cooperate. I have contacted both PayPal and XXXX, neither are able to assist, claiming the payment type ( P2P ) is not covered under protection. There is an issue with this, the platform only has one way to pay, which is set up via XXXX and PayPal, so why is their integration constructed in a way which will not protect transactions for the consumer? I was invoiced, paid, and expected to recieve goods via the platform. Where is my protection by either PayPal or XXXX in this? I have also contacted XXXX to file a dispute, as I am currently out of {$520.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCE CORPORATION
State: GA

Complaint narrative:
I filled out a survey for XXXX  XXXX, where I only entered high level information about my situation. I never entered my social security number or any detailed information and my credit score got hit because it says I applied for a loan with One Main?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good morning I was a sun trust customer for 10 years I was victim of fraud and stolen identity the bank decided to close my account and I had XXXX dollars on my savings I went to the branch and they told me they wont give to me my son needs a XXXX and I cant get my money back I think this is not legal they also kept XXXX from my checking please advise Thanks

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