vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a credit card for a few years that had a {$75.00} annual fee. This year upon renewal, I called Bank of America to close the account to avoid paying the fee. The Customer Rep that took my call, told me that I can convert the card to a different B of A card in order to avoid paying the {$75.00} renewal fee. I agreed to change the card over and the fee never came off. I called again about one week ago as it has been about 4 weeks and the fee is still showing up on my account. The 2nd rep told me she filed an incident report or something and that my {$75.00} fee was approved to be refunded within 24 hours. It has now been about a week and the fee is still showing up on my account. I called again today XX/XX/XXXX and the supervisor XXXX ID # XXXX told me that the fee will not be refunded unless I close 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 monetary relief
Consumer complaint received 2020-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: VA

Complaint narrative:
I did a cash pick up request via Ria to be picked up at an aerial Walmart.The transaction request took place on my XXXX XXXX app. I have use this service hundreds of times before and ran into no issues until today I went into Walmart we got to the end of the process and when the funds were going to be released we received an error message I was told to contact XXXX XXXX and also Rea Walmart also contacted Rea we were given several different answers from several different supervisors the financial institution customer service agents were very rude outrageous they  talked over you there was outrageous background noise of kids playing they also hung up on you when they no longer had a different answer for you because they realize that they had given a different answer than the prior agent they should not even be in business let alone handling financial matters.I spoke into different agents and supervisors no one is able to tell me where the money is and why they can not release it XXXX XXXX also contacted them and they have not given us any information nor have they released the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
I was using the Western Union mobile application to perform a money transfer from my US account to my personal account in the XXXX. 

This is not the first time that I am using the mobile application. I am fully aware of all the fees that are associated with sending money. 

For my last transaction, I was charged with a transfer fee that I am NOT expecting. The regular transaction fee for a money transfer using a DEBIT account is {$2.00}. I know that I chose the right option of using a DEBIT card however, I was surprised that they charged me {$37.00} instead. This transfer fee is for a CREDIT card transaction. I have been using the same DEBIT card with this transaction and all the other past transactions that I did in the past. 

I tried reaching to their customer support and was able to communicate with 2 agents - the first agent and a direct supervisor. Both of them have the lines that it was me who are choosing the options on the app. On their system, they see it as a credit card transaction. They are right, I am the one choosing and I am 999 % sure that I chose the DEBIT card option. They are implying that it is my fault. If it was an honest mistake, then I would not bother doing all these types of complains to win my case. I know that I did the right options. The customer support gave me a dead end and did not offer any resolution. They don't want to say it directly but they are implying that it is my fault. I am only complaining about their transfer fee which is solely on their end. I am not even complaining about the actual money that was moved. I am disputing an amount that is on them but they are not doing or offering anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am trying to get Paypal to mail me my money in the form of a check ( which they usually charge an extortionate {$1.00} per check btw ) but they can't/wo n't. They demand I link a bank account to them, or sign up for their XXXX Paypal Cash.

Frankly, with my prior experience I don't trust them not to take a huge chunk out of my bank account with minimal notice again. But they won't release the money otherwise. Please help me get my money back! 

Other people with the same problem : https : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I have a BlueBird American Express prepaid card. My direct deposit goes into it. I went to check my balance on XX/XX/XXXX, it would not let me log on. So I hit " forgot password. '' Then they've installed something to where the same message comes up over & over & over saying " due to 10 minutes of inactivity, log in again. '' Then you'll get to same point & again " due to inactivity ... '' Then I called XX/XX/XXXX at XXXX XXXX. & waited on hold for 1 hour & 7 minutes & was told I had to talk to fraud Dept. I asked why? They can't tell me. But fraud was closed so I had to call next day, XX/XX/XXXX. Was on hold for 2 hours & 5 minutes & hung up. Not only did they put my card in fraud Dept. without my knowledge, they refuse to talk to me. I can't log in my acct. & Fraud will not talk. I'm a XXXX XXXX  & I'm not taking my son to  XXXX this weekend like I promised him, because Bluebird has froze my acct & won't tell me anything. This is theft. I need my money from them or at least someone to talk to. I checked online in chat rooms. Thousands of people have same problem with Bluebird.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
After selling a house I went in person to pay XXXX XXXX what I owed them. I never received any other correspondence from them other than non-descript emails about the arrival of my monthly e-bill. I had never signed up for an online account. A paper bill may have been sent to the house, but I no longer owned the house. 

A few months later I received a " robo call '' that sounded like spam. I recieved two more, in about monthly intervals and realized it was the same one so stayed on the line longer and found out it was a collector. I paid the bill. 

I did not realize this was put as a derogatory mark on my credit until recently when attempting to purchase a home. After several calls and emails with XXXX, they refused to remove the mark on my otherwise clean credit history. The mark in question is halfway down page 4 of the attached document. 

The collection practices used ( non-descript emails that said nothing specific about owing money and robo-calling ) were unbecoming of a reasonable institution and a clear example of sloppy over-automation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 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: DISCOVER BANK
State: MO

Complaint narrative:
In XX/XX/XXXX I tried obtaining a home loan for me and my family. At that time I discovered that an inaccurate account was still reporting on my credit report from a Bankruptcy that I filed back in XXXX. Upon discovering this, I disputed the inaccurate account with Discover Card and XXXX  Credit Bureau in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The Discover Card account is showing an outstanding balance of {$5800.00} and as an open account. The original amount that was filed in the Bankruptcy was for {$5500.00}. Due to the negligence of Discover not correcting their records, they have added interest and late fee 's onto this inaccurate Account. When I received the disputed results back from XXXX  Credit Bureau it always come back as VERIFIED AS ACCURATE. How is it verified as accurate when I have in black and white proof that shows there should not be a balance, the account should not be an open account, the account should not be a charge off and I included it in a Bankruptcy? That leads me to believe that either XXXX  DID NOT do a through investigation and did not give me my due process or when Discover Card sent information to XXXX  they DID NOT do a through investigation. None the less. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified as 100 % accurate information. I request that you DELETE this immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: AR

Complaint narrative:
On XX/XX/2020, an atm withdrawal was made in XXXX, IL at XXXX XXXX, totaling {$140.00} from my Arkansas US Bank Reliacard that is used for my receipt of child support. I have tried to call US Bank reliacard at 3 different numbers, XXXX, XXXX, XXXX and spent a cumulative amount of over 5 hours on hold to get my card cancelled and speak to someone about the money that was stolen. I have not spoken with anyone, as no one has ever answered. On one call, after 2 hours and 35 minutes of holding, the system hung up on me. I need this card cancelled or future deposits will also be compromised and my losses need to be refunded. I have never even been to the city where the money was taken from an ATM.

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 2020-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MD

Complaint narrative:
In XX/XX/2020 I learned that I.C System was reporting a debt of {$250.00} on my credit report. I immediately sent a certified letter to I.C Systems which was signed for by XXXX on XXXX XXXX of I.C Systems and the all 3 Credit Bureau 's requesting validation of debt per the Fair Debt Collection Practices Act. I.C System has not provided the validation and failed to send a response to my letter with the 30 day time frame per Fair Debt Collection Practices Act. XXXX & XXXX  have removed the erroneous information from my credit report however XXXX  has not and is stating their investigation has proven it be accurate information but is not providing the validation of debt either. At this point both companies are in violation of Fair Debt Collection Practices Act. I would greatly appreciate this matter being looked into as this negative information is adversely affecting my ability to obtain credit. 

XXXX XXXX Account # XXXX Ref # XXXX Appears on Credit Report as XXXX {$250.00} USPS Tracking #  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 2020-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: NM

Complaint narrative:
Grant Mercantile Agency Inc. has purchased a debt that does not belong to me. 

1. This is not my debt. 

2. All expenses related to this accident were paid by my Companys insurance carrier, XXXX XXXX. I gave Progressives information to the ambulance Co. personnel on XX/XX/2019. 

3. Company contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX 4. Additionally, This is not a legitimate charge. I did not call for the ambulance. The ambulance personnel took no vitals. Provided zero care for me. I told them they were not needed, and could depart the accident scene on XXXX XXXX. I assume the XXXX, CA XXXX operator dispatched this rig. This service was never requested by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I signed up for an checking account with Bank of the West  XXXX XXXX due to a promotional offer of {$250.00} if I performed DD for three months totalling at least {$1000.00} per month. I opened the account on XX/XX/XXXX. 

After the three months had passed ( end of XX/XX/XXXX ) I received no bonus. On XX/XX/XXXX I contacted the bank and asked them when they would pay out. They said to wait till end of XXXX. End of XXXX came and went and still no bonus. Again I asked them when I would get the offer. This time they said I did not meet the requirements since my account balance was {$0.00} on a specific day XX/XX/XXXX. Note this isn't in the promotional three month period and when I asked if I had met all qualifications no indications were given by any customer service rep that I had to have a nonzero balance on a specific day after the promotional period ended. 

The bank has acted in bad faith and has unfairly taking advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I had unauthorized use of my debit at an atm in XXXX XXXX and at same time they used the card to make purchases at XXXX XXXX. I always have the card with me. I never make purchases with it. Tcf is saying it is me according to the chip reader and are not willing to investigate further. I have filed a police report and tcf seems uninterested. They have done this a couple times a month since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I requested an increase in my credit line from Bank of America. My Fico Score is XXXX. The card they issued had such a low limit. I am an XXXX and a XXXX at a major University. The letter I received provided no clear explanation besides general economic and loss trends not relating to me specifically. I feel that I am being discriminated against because of my ethnicity. Not only do I have a personal checking account but I also have a 10 year old XXXX XXXX with BofA, so the form letter I received is totally insulting. I would appreciate it if you would look into this. Someone with a XXXX and a XXXX who can be discriminated against like this means other people not similarly situated are treated worse than I. 
Best, 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 2020-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I recently applied for a mortgage loan and was denied due to a recent collection on my account. I pulled my credit report to find a new collection was added from a company called Jefferson Capital System. This debt is showing as opened XX/XX/XXXX for the amount of {$13000.00}. The original creditor is listed as " XXXX XXXX XXXX '' the loan from XXXX XXXX XXXX was from XXXX and has had no activity on the account for atleast 8 yrs. This debt was illegally reaged and is harming my credit. It has aided in the denial of our home approval. This issue has caused unnecessary stress in this difficult time we are already in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
Debt isn't being reported as a repossession, also not providing me with amount after sale if vehicle. Reporting incorrect amount and auto loan opened under invalid circumstances as auto loan was provided to the initiator having only a permit and not a drivers license.

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 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I sued Ally Financial for harassing me with phone calls about payment. I won over 3k from them with a settlement. They blocked me from using the online payment portal and wouldn't speak to me over the phone which caused late payments. They are still harassing me by reporting to the 3 major credit bureaus, XXXX, XXXX   and XXXX  by showing late payments which they caused by blocking my online access. My account is paid off and I don't want them reporting to these bureaus. ( Improper use of account ) they can't report this account due to harassment. I see that they like giving away money so I will sue them again! If they don't contact the 3 bureaus and have this remove their reportings and send me back a letter stating that they closed and removed my account from these bureaus. I will file a complaint with the CFPB, BBB, FTC and any other company that accepts complaints along with sueing them again! I am sending letters out to the locations in XXXX and the location in XXXX, MN. and will wait to here back from them. If they don't they will have to deal with my lawyers again! Please removed this from reporting or send a letter stating that you will agree to XXXX, XXXX  and XXXX  to have this removed. I will remove the complaints and Reviews once this is done, Thank you!

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 2020-05-09 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In XX/XX/XXXX I tried obtaining a home loan for me and my family. At that time I discovered that an inaccurate account was still reporting on my credit report from a Bankruptcy that I filed back in XXXX. Upon discovering this, I disputed the inaccurate account with XXXX XXXX and Equifax Credit Bureau in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The XXXX XXXX account is showing an outstanding balance of {$5800.00} and as an open account. The original amount that was filed in the Bankruptcy was for {$5500.00}. Due to the negligence of XXXX not correcting their records, they have added interest and late fee 's onto this inaccurate Account. When I received the disputed results back from Equifax Credit Bureau it always come back as VERIFIED AS ACCURATE. How is it verified as accurate when I have in black and white proof that shows there should not be a balance, the account should not be an open account, the account should not be a charge off and I included it in a Bankruptcy? That leads me to believe that either Equifax DID NOT do a through investigation and did not give me my due process or when XXXX Card sent information to Equifax they DID NOT do a through investigation. None the less. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified as 100 % accurate information. I request that you DELETE this immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation