vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 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: PA

Complaint narrative:
I have an issue with a transaction that was made to XXXX on the XXXX of XXXX concerning a refund. I placed the order at XXXX and didnt receive anything, so I contacted the store ( multiple times ) and was told after I had the order canceled that I would be refunded back. Yet, I did not receive my money back for an order I never received. I would like to have this transaction disputed! Thank you, kindly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-31 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: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX and XXXX reported my accounts to XXXX for checks being returned and causing overdrafts. It was not my fault those checks returned. They penalized me for a check someone else sent me.

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 2021-12-31 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hello. My name is XXXX XXXX and as of 2 weeks ago my bank account was hacked because transactions starting from a deposit of {$4500.00} check was made on XX/XX/21. Since the check was altered the bank withdrew those {$4500.00} but before other transactions that were {$1000.00}, {$3000.00}, and {$400.00} were made that means that my money in the account before all of this was {$2700.00} but I did pay my credit card leaving my balance at {$2400.00}. I do not have any money in my savings and my claim was declined, the bank is making me pay back {$1000.00} and I do not have any money to pay it back, this was probably a scam where they got my information therefore I got a new phone to avoid anymore scams. The check was put to my name but the signature was not my signature.

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 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: AL

Complaint narrative:
KikOff Lending LLC is a scam, when i signed up, the customer service rep provided inaccurate and false information about the type of account this was. I immediately called with complaints about the false information that was given. Now this is showing on my credit report based upon the incorrect, unknowledgeable information the rep provided that is affecting my life at the cost of me. This is unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I borrowed money against my home in a refinance to pay-off credit cards and loans. 
Sun Trust Bank XXXX LightStream was the bank I borrowed from, and the loan was secured my XXXX XXXX XXXX XXXX XXXX van. The original promissory note was drafted and signed on XX/XX/XXXX for $ XXXX 4.54 % for 60 months. Payments of {$260.00} were set up as an auto draft on the 28th of each month, with the first payment drafting on XX/XX/XXXX. No penalty for early pay off on this simple interest loan. The finance charge was to total {$1600.00}. 
During Covid-19, I received payments deferred for several months and there was to no penalties for this service. 9 months of Payments from XXXX were deferred that totaled in {$420.00} of interest accumulated from this deferral. This amount was remunerated by the XX/XX/XXXX payment in the amount of {$260.00} and on the XX/XX/XXXX payment in the amount of {$160.00}. ( Please see loan amortization document ) I asked for original amortization and did not receive it. This issue of interest is not my complaint. 
On XX/XX/XXXX, I printed out an invoice from the LightStream web site, that they provide to final figure for payoff, to print out. The invoice reads a payoff amount of {$7500.00}, and a copy of the invoice was attached to the check. 
I sent a check for {$7700.00} ( the check was drafted from XXXX XXXX, my title company that was utilized for my refinance closing ) on XX/XX/XXXX. The amount of {$7700.00} posted on my LightStream ledger on XX/XX/XXXX for some reason leaving me a balance of {$24.00}. Therefore, my interpretation of that document ( The Invoice ) is drastically different than whoever did the accounts receivable and evidently didn't look at ( The Invoice ) stapled to the check. Anytime within my life, personal or professional, a Payoff Amount means just that... no translation needed. Valid through date of XX/XX/XXXX was clearly stated on the invoice as well. They processed the check and posted in on the XXXX of XX/XX/XXXX. The system still processed another payment 4 days later, because someone did not honor LightStream 's own invoice and computer calculations and left the {$24.00} balance. Incidentally the balance is stated as the interest. I am essentially paying the loan approximately 20 months early. I did reach out to LightStream for some explanation and spoke with 3 individuals, one identified herself as being a supervisor. Not one of them would honor my request that they have their accountant reassess the figures. It makes no sense. They feel the auto debit was accurate and {$260.00} minus the {$24.00} equals a refund of {$230.00}. Apparently, their own invoice is disregarded.

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 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I have been contacted repeatedly by M & T bank about an amount I owe to them from an account that was never opened by me. My account with them was closed in 2020. They have reported this debt to collections, lowering my credit score!

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 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
AXOS bank is refusing to let me reset my password and give me instructions on pulling my funds from a business account. I've waited 5 days for a call back. The first time i was asked for a picture with my drivers license and a signed letter verifying this is my account to grant the password reset. 5 days later I am called by a person in XXXX telling me I now need to send a notarized letter. HOW CAN I NOT BE GRANTED ACCESS TO MY FUNDS WITHOUT TAKING ALL THIS TIME AND SENDING MULTIPLE LAYERS OF UNECESSARY VERIFICATION. Now I am being denied to pull my funds and can not get a competent banker to assist me further. WHERE IS MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My bank ( XXXX  ) mailed a check to XXXX XXXX XXXX deposited the check into his account. XXXX XXXX bank chase bank held the check. When XXXX XXXX checked on the status of the held check Chase Bank in XXXX California instructed XXXX XXXX to have the payer and payee of the check in question present physically In the XXXX branch to verify the payer of the check.I and XXXX XXXX presented as instructed and were informed XXXX acct had been closed and Chase bank mailed a check in the amount of the original check to his address.After 7 days of not receiving the check XXXX went back to XXXX Chase bank ( XX/XX/21 ) where he was informed he was not told Chase mailed a check and he was mandated again, the payer and payee of the check in question need to physically present in branch for undisclosed reasons.XXXX has not received his money.This series of events has taken place over a 30 day time span.My bank states the check in question was cashed by Chase bank within 7 days of XXXX depositing it in his acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX

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 2021-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
XXXX XXXX I purchased A XXXX XXXX XXXXXXXX XXXX truck from XXXX dealership located in XXXX Texas. The vehicle was delivered to me after I went through every step including a down payment of {$1500.00} to get approved and delivered to my front door. After getting the vehicle and driving it for 30 days my temporary tags expired on XXXX. This company sales taxes are included in the finance charges.I then asked about the permanent license plate and never received answers. XXXX XXXX temp tags expired. I wasn't able drive my truck 3 weeks due to them not answering my email and hanging up in my face until one day I push a number as if I was purchasing a new vehicle received another temp tag XXXX XXXX which will expire on XX/XX/XXXX not having those a full 30 days. I still have no true answers to when I would receive my permanent tags besides they needed to request a duplicate title. So I'm not sure why they didn't do that before selling the truck. It takes them weeks to get them to request my temp tags when I do call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Thursday, XX/XX/2021, around XXXXXXXX XXXX. Pacific Time, I tried to login to Citibanks online banking. My username and login has been disabled. I then tried to reset my password using my 16 digit card number and last four ( 4 ) numbers of my social security number. I received a message that said : XXXX XXXXXXXX Locked The information you entered does not match our records. The information I submitted was correct ; there were no typographical errors. I then called customer service by calling the telephone number on the back of my debit card ( XXXX ) XXXX. I spoke with a XXXX female supervisor that disconnected the telephone call on me. She did not call me back. I called back and spoke to a XXXX male supervisor by the name of XXXX. He indicated he was in the Client Relations department in XXXX, XXXX. The call disconnected again. I did not receive a call back. I called ( XXXX ) XXXX and the automated system asked for my social security number. The automated system said my social security number does not match their records. I hung up and tried again and got the same result. There were no typographical errors when I input my social security number. My login is defunct, my debit card is defunct and my social security number is defunct. This does not sit well with me because I just deposited a personal check for {$5500.00} from my XXXX XXXX checking account and now I dont have access to my funds-during a pandemic. 

I then spoke to a female supervisor around XXXX XXXX. PT and she stopped talking during the phone call. The call was disconnected yet again and I did not receive a call back from Citibank. 

I called ( XXXX ) XXXX around XXXXXXXX XXXX. PT and the automated system again did not recognize my social security number or debit card number. The automated system said it will transfer me to an agent, however, the telephone continued to ring and ring ; no one answered the telephone call. The ring was continuous forcing me to hang up and call back. 

It is egregious of Citibank to block my account without informing me in advance. I did not receive any communication from Citibank via telephone call, e-mail or text correspondence. I learned of the block after the fact. I still dont know why Citibank blocked my account. I did not do anything wrong. What if I had an emergency and needed access to my funds? The money belongs to me ; not Citibank. 

I am maintaining a careful record of my communications with you for the purposes of filing a complaint with the Attorney Generals office, Office of the Comptroller and FDIC, should you not resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31 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: CA

Complaint narrative:
Over 50 fraudulent inquiries in 3 days I have disputed over 5 times and credit report still aiding fraud against me by not removing fraudulent inquiries off my credit report. 
Also, I used a new credit card and in 1 day it was reported maximum use before I could even pay before due date which was over 20 days I had to pay. all other credit reporting has corrected the fraudulent inquiries but " Experian. '' " XXXX '' put maximum use of new credit card use 1 day after use but has not corrected card is paid in full. Due day has not come or is it legal to accept report 1 day after use.

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 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I filed a dispute for a XXXX charge of XXXX dated XX/XX/XXXX with Capitol One on or around XX/XX/XXXX. My acct was first provided a proper credit to the card for the charges disputed. They sent a questionnaire via mail that I returned promptly. It was supposed to come with a self addressed envelope, but none was provided. Less than a month later I received a biased response towards XXXX as my credit was taken back simply by XXXX saying the hotel was fine when they weren't the the there. XXXX was wanting impossible requests from me as they wanted a second opinion from another business stating how services or products were defective. How can anyone judge a service or product without experiencing it? This would create legal problems for another company. Capitol continues to ask for this thru out the follow up questions. This is heavily biased questioning as they will take XXXX at their word knowing they are not on site and I'm supposed to get a second opinion. A Capitol One customer service agent admitted on the phone today before writing this complaint the second opinion was unnecessary and obviously unobtainable. Correspondence went back and forth between us and Capitol One and they claimed to be communicating with XXXX. Service was already used so I'm not sure why the cancelation was so important, but I provided everything I was given. I provided them a well thought out reasonable explanation with adequate proof to approve my claim. I faxed my last response to Capitol One on XX/XX/XXXX. I had to fax it again as my info from Capitol One did not include an envelope as indicated. Seems like they are trying to make it difficult for a person on XXXX XXXX to file a dispute. I particular think this as when I faxed my info on XX/XX/XXXX it was hardly 24 hrs later that my claim was closed for vague reasons. It also stated my credit was taken back. It's not even signed by anyone. Customer Service at Capitol One seem completely naive to the complaint and can't explain anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
XX/XX/2021 I mobile deposited a large check in my account indorsed to my sister they flagged my account and froze it untill my security appeal was approved .after the approval I was told to drive back down with my sister and our IDs we done that my sister was recently divorced so her named was back to her maiden name on her I'd well they requested divorce decree for her so we went got that the. At XXXX XXXX after honestly being there all day was told they needed more proof that was three months ago I've done security appeals everything being approved as they ask of me to get the funds released to myself and sister LITTERALLY have to drive 3 hours away to a branch sit their all day with the documents they required to be told at approximately XXXX XXXX  closing time that the documents they requested were not actually good enough now that I finally got them this has happened twice I've followed and complied completely with them to be treated like complete garbage when I got their my self and sister were both rudely spoken to as well as pushed back in line several times very very bad customers service when ask to have a supervisor we were told there was not one there this is ridiculous

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21, my daughters found the website XXXX XXXX XXXX which advertises puppy dogs. They contacted the site and they began the process of the purchasing one without my knowledge or consent ( my girls are ages XXXX and XXXX ). The gentleman, XXXX XXXX, asked them to XXXX a one time fee of {$490.00} for faster service which they did. Later, I found out about the transaction and tried to take action but it was too late. I tried to exchange emails with XXXX XXXX but he kept telling me to sign the purchase form and the puppy would be shipped out. I later found out, from XXXX, that this is indeed a scam website being hosted by the domain XXXX. My wife and I immediately filed a complaint with XXXX and opened a fraud investigation with Bank of America. Bank of America eventually closed the fraud claim because they said the purchase was done using my phone device so threfore no fraud had occured. They encouraged me to instead open a scam claim and to also file a police report. On XX/XX/21, I re-opened the claim with Bank of America ( this time for scam/theft by trickery ) and filed a police report with my local station ( Police # XXXX ). When I called BofA today, XX/XX/21, to follow up on my claim status, they told me it was denied again because they are NOT responsible for any XXXX related issues. I have been a loyal customer with BofA for 21 years and I am completely devastated by their decision and the fact that they kept me hanging by a thread for more than a month asking me to do 100 different things. I am requesting a good faith refund for this incident and for XXXX XXXX or his financial institution to be held accountable. 

XXXX XXXX XXXX payment : email XXXX Correspondence/trickery email : 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