vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted Regions Bank ( XXXX XXXX ) to report unauthorized activity on my debit card. When I called them I spoke with a woman who tried to tell me I didn't have a valid claim because I had done business with XXXX in the past. I explained to her that I had done business with XXXX once before, in very early XXXX. That transaction was finalized and I have a receipt to prove that no other charges transpired from that. 

I told the banker that I had contacted XXXX and they couldn't verify who's charges those were. She still insisted on filing a merchant claim rather than an unauthorized claim. 

On XX/XX/XXXX I contacted the bank and spoke with an agent who informed me that my claim was closed because I failed to provide proof of receipt. However, this isn't true because I forwarded a copy of the XXXX receipt on XX/XX/XXXX. 

She then informed that there was nothing she could do despite me telling her I had over XXXX dollars in unauthorized charges. I asked to speak with a supervisor. 

The supervisor informed me that they'd have to re-open the claim with the " XXXX XXXX. '' After another week of waiting I've been told that they're unable to pay my claim without calling XXXX while on the phone with the agent. I'm also being told they can't change the claim type to a Visa unauthorized charge, even though the first banker made the mistake. 

Regions Bank is clearly violating Reg E and is doing whatever they can to avoid paying claims. This is not a positive experience for the bank, and I will be taking legal remedies if this isn't fixed soon.

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 2020-07-28 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: AZ

Complaint narrative:
Re : CREDIT REPORTING ERROR. Misreporting XXXX XXXX data reporting to XXXX and Equifax includes 1 ) dates of last activity on XXXX, 2 ) duplicate reporting on Equifax, and 3 ) balance on duplicate Equifax reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Re : CREDIT REPORTING ERROR. Misreporting XXXX XXXX data reporting to Experian and XXXX includes 1 ) dates of last activity on Experian, 2 ) duplicate reporting on XXXX, and 3 ) balance on duplicate XXXX reporting.

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 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On or about XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX via XXXX requesting pricing to install pavers in my back yard. 

We agreed to the terms, see attached As shown on the invoice they asked for a deposit to cover the materials I paid {$1100.00} to the company for the materials On XX/XX/XXXX XXXX XXXX XXXX   XXXX showed up at my house and proceeded to prepare the yard for the pavers. Soon after their arrival it appeared XXXX XXXX XXXX XXXX was not planning to level or prep the ground as they had told me they would. When I questioned their plans one of the crew said that was not what they planned to do and said if that what you want we quit and walked off the job. 

XXXX XXXX XXXX XXXX walked off the job leaving their trash but did not deliver the materials as per the invoice. 

I filed a dispute with Citibank on XX/XX/XXXX provide them complete details. 

On or about XX/XX/XXXX I receive a letter from Citibank denying my claim stating the dispute was about the quality of service. 

On XX/XX/XXXX I call and waited on hold for ~one hour. I spoke with XXXX who informed me that once a decision was made they would not revisit the matter even if they made a mistake. After multiple request to escalate XXXX said someone from their investigations department would be in touch within two days. I have not heard back from Citibank. 

I do not know how Citibank could come to a conclusion that this was a quality of service issue given I did not receive any services. 

As with most construction jobs the up front money is for materials and the person receiving the service holds money until the job is complete and satisfied. 

My dispute was that I did not receive the materials that I was charged for and that were spelled out on the invoice. The invoice is clear the deposit is for materials. 

Citibank has made a mistake in their decision, this is clearly not a quality of service issue and is providing no recourse to resolve this matter.

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 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MS SERVICES LLC
State: CA

Complaint narrative:
My husband contacted this company to request more information about the debt they are collecting, since we never received any collection notice is not easy to pay the bill without knowledge what is it for. 

He spoke with a representative named " XXXX '', he explained he wanted to pay if bill but is very unfair that we never had the chance to pay it or dispute it before it goes to collections, she said I paid {$25.00} dollars in the past, but paid it because the collector pushed and threated ME very bad to make payments. He explained I want to pay the bill but I wanted to request a validation of debt, She claims that they mailed some validation on XX/XX/2020, and do not have a mail returned, He clarified we have some problems with the mailboxes and some mail just disappears, so I was asking for a validation by email, fax or mail but I was wondering to know what I was paying for. 

The representative very unprofessional said she won't send a new validation just because they mailed once but my husband already explained we didn't received. 

Asked for a manager but she ended disconnecting the call. 

I am just asking for a validation of debt because this collections is coming from a checking account and is very confusing for me to know what the bank is collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: XOOM CORPORATION
State: KY

Complaint narrative:
On XX/XX/2020. I had my {$1700.00} that was on my unemployment debit card, somehow wired transfer from a company who I have never heard called Xoom. The company send me back {$700.00}, because they said it was pending so they were able to return it. Now they are telling me that they wont be able to return my other {$1000.00}. I dont understand why they wont give me all my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal issued a refund from my account to a buyer for an item that I sold on XXXX. Even though XXXX previously denied the buyers request for a refund due to signs of fraud, being attempted on the buyers behalf. The buyer waited a few months and contacted XXXX   and was able to successfully conduct a fraudulent refund based on PayPals practices. Which are a breach of XXXX  policy to detect abusive tactics from both buyers and sellers on its platform. This is why XXXX closed the case months earlier when the buyer made his first attempt to scam me, the seller ( out of my product, and the payment that was issued to my paypal account ) for the product I sold. When I noticed that this was a scam I immediately alerted XXXX that PayPal was holding my funds and that I suspected this was a scam on the buyers behalf. XXXX escalation department examined the case closely, and agreed that this was an attempted scam on the buyers behalf. PayPal was notified and released the funds in my account. If PayPal had already been notified about this scam from this buyer. Why did they issue a refund to this buyer who was clearly a scammer? Pay pal refunded the money without proper evidence, and at my expense. I lost merchandise, the payment, and gained a negative point on my credit score ( for a  negative balance of {$460.00}, because of their poor customer support practices, and conflict of interest policies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
I recieved a notice from VA DMV advising that my tag renewal was frozen. I had never recieved notices from this company that I owed any tolls. I attempted to contact this company once i recieved notice from the dmv. This company without proper notice turned my account in to a collection agency, I had moved and notified the dmv of my new address, according to these people instead of checking the recent dmv records, they opted to send these so called notices to an old address. Then they attempted to extort XXXX in fees. Their collection agency attempted to bully twist facts, and outright lie, by telling me that it was a law that i purchase and use an ezpass, and then they were verbally abusive, spoke over me, and try to pursuade me that i was breaking the law. They are attempting to extort, and steal from drivers during a pandemic when no one is working, wth no remorse, no compassion, their collection practices should be investigated as no other toll company in virginia is doing this. I have reported them to the consumer board of financial protection, and the Federal Trade commission, I am not negotiating with these dishonest freeloading theives. The employees of this company made several false statements, and attempted to engage in fear tactics. Not carrying or purchasing an ezpass is NOT A CRIME, and a toll violation is NOT CRIMINAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: ID

Complaint narrative:
I called in on XX/XX/2020 to dispute a transaction that had posted to my account on XX/XX/XXXX. I was assured that my card was deactivated and replaced as is required by law, but I awoke to a low-balance message this morning XX/XX/XXXX, with another unauthorized transaction that had just occurred overnight. I went into my banking app and found the option to request a new card, even though the representative I spoke with on XX/XX/XXXX assured me the card would be replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MO

Complaint narrative:
Recently got a copy of my credit report and noticed a collection on my file that isnt mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: CA

Complaint narrative:
this report is to let you know about the situation I have with my credit file some one took al my documents from my car and open fraudulent accounts.

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 2020-07-28 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: CA

Complaint narrative:
this report is to let you know about the situation I have with my credit file some one took al my documents from my car and open fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This situation is related to the Covid-19 Pandemic and the subsequent CARES ACT. 
Lender Navy Federal Credit Union ( Mortgage Arm ) Complaint : Misinformation Regarding Home Loan Forbearance of VA loan. 

Lender is not providing accurate information regarding loan modification options for specific loans to include VA loans to military members. 
Members participating in CARES where told by Navy Federal employees to make payments when possible as making payment when possible would not jeopardize the Forbearance Status. Once some payments were made the lender stated any payments made prohibited participation in the CARES modification program. Lender sent threatening letters stating CARES participant was delinquent ( even though payments were made on-time ) and the home could be foreclosed upon and negative credit reporting would be made.

Member contacted lender who stated they failed to provide updated information to members regarding VA guidance which required a 90 day delinquency to participate in forbearance program. 

Navy Federal Credit Union ( NFCU XXXX failed to process loan modification as stated. NFCU stated a missed XX/XX/2020 payment would be moved to the end of the loan term since that one month was the only missed payment. NFCU subsequently forwarded XXXX payment to XXXX, And XXXX to XXXX making XXXX appear delinquent. In reality XXXX and prior months were paid on time. 
Navy Federal Credit Union is providing false, misleading, and/or outdated information to members increasing the risk for their military member base to face credit harm, foreclosure, or financial stress during the COVID-19 pandemic. 
Individuals in both the collection department ( XXXX ) and the loss mitigation and loan modification departments ( Supervisor XXXX XXXX ) acknowledge members were provided incorrect, misleading, or outdated information regarding their loan status and mitigation options. Members are discouraged from leaving forbearance programs, and accurate details regarding the timeline and structure of loan modifications are not provided to members. 
A recorded and time stamped phone call is available on Navy Federal Systems for XX/XX/2020. Time frame for phone call XXXX. 
Member received a certified letter threatening foreclosure and or negative credit reporting for a member participating in the CARES ACT. 
XXXX XXXX removed property from the CARES program on XX/XX/2020 after failing to modify the loan as promised. 
All payments are current, but the threat of foreclosure or negative credit reporting still looms over member to whom no remedy was provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
My father passed away on XXXX. I have called Kia Finance 10 times spoken to 20 people and faxed the death certificate 6 times. Kia will not accept the return of the deceased 's car. Kia keeps telling me that they never received the paperwork although it has been sent 6 times. This is an attempt to continue to accrue fees and frustrate the return of the vehicle.

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 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I, XXXX XXXX, wrote a check to my neice, XXXX XXXX for {$130.00} on XX/XX/2020. The check was deposited into her Wells Fargo account. On XX/XX/2020, Wells Fargo pulled the check out of her account and debited her account. Wells Fargo claimed that the check was not authorized, which is a lie because there is clearly a authorization number on the check. Wells Fargo is still holding this money, having never returned the funds to me, the original maker of this check. This is XX/XX/2020.

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 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Galaxy Capital Acquisitions, LLC
State: WA

Complaint narrative:
Debt collector called at XXXX and left no message. Calls from an automated dialed service during other hours and stays quiet on the phone for a few seconds before actually speaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I never had an account or any debit with XXXX, this scamming company Convergent USA (  www.convergent.com ) is trying to obtain personal information accusing a company already dissolved in 2019,  who I was part, to have a debit with XXXX of {$1800.00} and if I pay them ( Convergent ) the amount of {$670.00} the collection process will stop and my account will return to XXXX!!! Totally Scam, we never had that account, I called XXXX and they don't have any info about that. I read many and many complains about this company applying the same scam to hundreds of people ( XXXX XXXX XXXX  ) in such hard time all Americans are through now, shut down that company please, many people will less knowledge and resources will be a victim losing the little money they have in the middle of a pandemia! Please act fast! Thank you very much for your help!

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 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address, also my government ID. Please update this address. I no longer live in the Florida apartment rental. I have also provided a copy of my current report and profile address data.

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 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2020, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$4000.00} in direct deposits for three consecutive months. On Wednesday, XX/XX/2020, I reached that objective, and decided to wait an extra month because the fine print it says it can take an extra 30days for the bonus to show up in your account. I waited and still haven't received the bonus so on Thursday, XX/XX/2020 I called Wells Fargo to inquire about when I would receive the {$400.00} bonus. The supervisor rep I spoke to said I definitely qualified for the business after looking at my account, but due to the covid-19 the bonus has been delayed up to 45days rather than 30days. So she told me I should receive the {$400.00} bonus XX/XX/XXXX. XX/XX/XXXX has arrived and I still haven't received the bonus so I called back and and a customer service rep said I didn't qualify for the bonus because I didn't make the correct deposit and so after hearing that I was so upset because the supervisor I spoke to said I did indeed make the {$4000.00} deposit which made me qualify for the bonus. I told the woman on the phone to please listen to the recorded call so you can hear that your own supervisor told me I qualified. So we did an whole investigation that took two weeks and on Tuesday, XX/XX/2020 the final results was XXXX XXXX Wells Fargo Executive explaining to me that I was correct about her telling me that I did qualify for the business after him listening to the call but I still didn't make the right deposit so therefore I can't receive the bonus. I was so distraught because my money was on hold for 4months during this pandemic and to be told I won't get the bonus after I was told that I would was a kick in the face. I was misinformed and all he said was " it seem she didn't even look at your account. '' how unprofessional is that, they deserve to do the right thing. This is not a time for them to be fooling around with money for any customer.

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 2020-07-28 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: FL

Complaint narrative:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part.

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