vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/20 and XX/XX/20 funds were taken out of my Wells Fargo account without my permission. I will attach copies of the notices. Wells Fargo has DONE nothing to resolve this matter which is causing great hardship. How could they allow this to happen. The 2nd incident was dona on a wells fargo check with NO routing or account number, just taken out of my account. I would like answers

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 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
For over a year, I have been filing disputes almost monthly with Equifax Credit Bureau about a collection account with XXXX XXXX XXXX that is not reporting accurate nor have I received the proper documents proving the debt I have asked Equifax over 12 times to verify this debt which they keep coming back saying that they have I then asked Equifax to provide me with their method of verification which Equifax will not provide me with saying they dont have that I need to contact the company I respond to Equifax letting them know I have contacted the company and they will not provide me with the proper documents Equifax has not done the proper steps to verify this debt but still reporting this on my credit file I have asked them to delete it over and over

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: NC

Complaint narrative:
This account needs to be removed it has been settled and is reporting incorrectly I have attached all of the documents that show PROOF! 

The have date of last payment says XX/XX/2020 this account has been sold to a different company and settled this makes no sense every time I contact them to remove this account they send me the attached letter to the company that owns the account which is settled as you can see on the paper its a {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC does not allow their customers to share their financial date with third parties such as XXXX and XXXX even when consent has been given. The banks practice of not sharing information such as account balances and purchase history regardless of consent and consumer request, makes customers ineligible for cash advance services which are especially important in this pandemic when families need that breathing room between pay periods. I reached out to PNC to address this issue but have received no response and the practice of withholding consumer financial information is still currently in use. I am making a final complaint through consumer finance to see if PNC will change their policy. If not, I will be forced to bank with another institution whose actions reflect the best interest of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
had done a quick cash of {$20.00} inXX/XX/2020 have been paying well over min due and last month was charged .38 interest and even though balance was dropped due to over payment this month was charged .39 interest on same money i did call capitol one and guy had no clue and over the previous months have been charged in the .30-.39 interest range

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 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: TX

Complaint narrative:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc

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 2020-06-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc

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 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
After depositing a personal check from another bank to open a new checking account at Regions Bank, I received a letter from Regions stating that " We have confidential information that indicates the check may not be paid '' and placed an eleven day hold on the account. Since the " check '' was a personal check from from me, they basically are suggesting that I wrote a bad check. I inquired from several persons at the bank and they advised that they were unable to provide me the nature of the " confidential information. '' One employee suggested that this notice is standard and originates with their '' Regions Check and Fraud Monitoring Department. '' Anyway for the bank to make a false claim in order to extend the holding period is WRONG! 

Personal Information XXXX XXXX XXXX Regions Account Number 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 2020-06-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  XXXX XXXX  auto {$5900.00} XXXX  XXXX XXXX  {$18000.00} XXXX XXXX {$470.00} national credit audit square XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc

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 2020-06-22 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: NC

Complaint narrative:
This account needs to be removed it has been settled and is reporting incorrectly I have attached all of the documents that show PROOF! 

The have date of last payment says XX/XX/2020 this account has been sold to a different company and settled this makes no sense every time I contact them to remove this account they send me the attached letter to the company that owns the account which is settled as you can see on the paper its a {$0.00} balance

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 2020-06-22 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: NC

Complaint narrative:
XX/XX/2020- Sent dispute letters to XXXX  , XXXX  , and Transunion . disputes are as follows XXXX  : XXXX XXXX- {$230.00} XXXX XXXX XXXX- {$580.00} XXXX XXXX XXXX- {$880.00} XXXX  : XXXX XXXX XXXX- {$230.00} XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$880.00} Transunion : XXXX XXXX- {$230.00} XXXX XXXX XXXX- {$580.00} XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$880.00} XXXX Sent Demand to Comply Letters to all three bureaus, Transunion, XXXX, and 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 2020-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bought a new XXXX and it was to have 90 days to make the first payment. I bought this car in mid XXXX. I received a bill with a payment due at the end of XXXX, well within the 90 days. There is nothing on this statement indicating the payment is not required by XX/XX/27.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is a 501 ( c ) ( 3 ) nonprofit organization helping communities via health educational programs, job training and children sports. 

Prior to the 2020 pandemic, many parents had signed up their children for our sports program making payments via PayPal. 

Due to the force of businesses being closed, XXXX informed parents that their children spot will remain as we continue to comply with the pandemic allocated by the state of California. 

On XX/XX/2020, XXXX received a request from PayPal for a refund because one of the parent 's credit card company stated the charge was not authorized and requested {$130.00} and placed a {$20.00} charged back on XXXX PayPal account. This is in reference to PayPal Case ID XXXX. 

XXXX provided proof to PayPal revealing it is an authorized payment and we had informed parents refunds would be processed upon their request in 30 days due to lack of staffing. 

PayPal disregarded our request to refute false claim, immediately gave the parent credit card company {$130.00} and imposed a {$20.00} charge-back fee on XXXX then placed XXXX account in a negative status of {$150.00}. 

On behalf of XXXX, I made several calls to PayPal Collections department to gain an understanding, provided proof that the parent was aware of the charge and the process in place to refund any parents request, to no avail. 

To this date, every parent requested a refund has received it and proof could be provided. We attempted to refund the parent creating the above case, yet PayPal system will not allow it to happen without paying for a {$20.00} charge-back fee. 

As a consumer, we are seeking understanding how this situation is considered as a charge-back. And if this is allowed, meaning parents claiming false accusations and XXXX  are imposed with a {$20.00} charge-back fee? If that is the case, something unethical is not right. A {$20.00} per person is not a lot of money, but when one multiply that by thousands and millions of false accusations, seems more like an unethical profit. 

XXXX is looking forward to your explanation and informing us if this unethical business practices are allowed. And if so, XXXX will appropriately inform parents of the consequences when making false accusations. 

Thank you in advance for your time. 

Best regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: DE

Complaint narrative:
I have set up biweekly payments through my financial institution to pay my mortgage which is held by Arvest Central Mortgage Company. I had even set up an additional full mortgage payment at the time of origination. I received notification that my mortgage payment was late and that one of my partial payments was being held. 
I contacted Arvest this morning, XX/XX/2020 and was told that they would not accept my biweekly payments from my financial institution and those payments that I had been making was not going to knock any interest off to shorten the loan duration. The rep stated that I could enroll in their biweekly payment program for a {$200.00} fee or I would need to contact Arvest 1-2 times per month to direct them on how to apply my biweekly payments. 
I am extremely upset with this process. Im trying to structure myself financially and am giving them the money to pay my mortgage fairly and accurately. 
I find their practices to be unfair and not doing the right thing for Consumers. I hope this complaint finds the right party and changes the way that Arvest conducts their business practices. 

Kind regards. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
show tooltip button XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX  XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all filed ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to provide an incorrect address on my credit report. There's two addresses on my report from XX/XX/2017, one in GA and the other in UT. All of my other addresses are in GA and the UT address is false. Regardless, I'm not sure how Equifax is claiming I lived in two places at once. My identity was stolen because of their relaxed security procedures and now it's like fighting an uphill battle to get them to even report accurate information. I've submitted multiple disputes to the company to no avail. I've attached below screenshots of emails from my apartment complex in XX/XX/2017 in XXXX, GA as well as my bank statement from XX/XX/2017 showing my address as XXXX, GA and the rent payment I made to the apartment complex that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: VA

Complaint narrative:
show tooltip button XXXX XXXXDispute XXXX XXXX LLCDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX  XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all filed ftc

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 2020-06-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
show tooltip button AXXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX  XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXXDispute all filed ftc

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 2020-06-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
They are stealing from my usbank focus card so i had to cancel first one now they are doing theft against me on the new card I got in the mail. They are torturing me and others and they are XXXX XXXX that i have the cure for. 
XXXX XXXX in XXXX XXXX XXXX - https : 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 2020-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In XX/XX/XXXX I contacted and enrolled in a non-profit credit counseling company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ) They put together a repayment plan with all my credit cards ... all agreed except Comenity Bank XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX proposed and has been paying {$390.00} every month since XX/XX/XXXX but Comenity me to the credit bureaU AS PAST DUE AND DELINQUENT which adversely affected my credit score. 

In early XX/XX/XXXX I wrote to Comenity Bank and requested a reduction in my monthly payment They failed to respond and instead, have been calling me daily

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I made a purchase in XXXX of XXXX, and applied for an apple card due to a discount if I opened an account. I gave the apple store clerk all my billing information including email address for which I wanted to receive statements. Apple Store uses Goldman Sachs Bank for their Apple Card. My intent was to pay off the card on the first billing cycle to avoid any interest. Having never received a statement, in XXXX of XXXX I was notified of a negative entry on my credit report from a monitoring service that I have. It was from Goldman Sachs Bank of overdue payment ( which I never received a statement ) On calling the Bank XX/XX/XXXX the representative I spoke with stated the statements go out electronically. I explained that I never received any electronic statement and would like to know where it was sent. The representative stated she could not give out that information. I asked for the address to send a complaint regarding not receiving any statements and was given Goldman and Sachs/Apple Card XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX ( In the middle of the current pandemic ) I sent a certified letter to Goldman Sachs explaining the situation and requested mailed copies of statements, as well as provided my email address and telephone number so someone could get back to me to discuss this issue. I also requested all paper bills from this point forward because I was not receiving electronic bills, as well as a redaction of the delinquency in my credit report. Although I received the paper statements up to XXXX in XXXX of XXXX, I still have not received any paper monthly statements. I saw that the email they had on the account is not my email address that I provided to the Apple Store representative for the application. 

The statement stated I owed {$2500.00}. On XX/XX/XXXX I sent a certified letter with the full amount that was owed, stating this was my payment in full to close the account. It was posted to the account XX/XX/XXXX. I also included in the letter to have all correspondence of this account be in writing and gave an address and telephone number. Nothing was ever received from the company. 

I made an inquiry in XXXX of XXXX and found the account was never closed and still accruing interest. When I called and spoke to the representative I was told that all cancelled accounts had to be done over the phone. When I stated that I sent a certified letter with instructions, she repeated that all accounts had to closed by phone. In order to close the account I had to pay an additional {$14.00} for interest ... on statements I never received? 

I find it appalling that a company can do this. I hope this complaint can be rectified and any interest charges that were paid be refunded as they bank was not sending any information as requested in order to payoff and close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC connectivity with XXXX hasn't worked in months. Can't add funds to trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: Self Financial Inc.
State: MA

Complaint narrative:
I review my report and I saw inaccurate 30 days late remarks on history only 1 bureau reporting this. I was never late on this account. 
SELFINC/XXXX  XX/XX/2019 2019

Company response to consumer: Closed with explanation