vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am a long-time customer of Bank of America. I had an issue a while ago where a {$1600.00} charge that I disputed got placed back into my account, which brought it to a negative balance. Due to my overdraft, on XX/XX/19 my XXXX-year-old daughter 's bank account was debited for {$220.00} leaving her with no money. Currently, she is away in another city and state for the summer. My name had to be on her account when she initially opened it due to the fact that she's a minor, but she is not financially responsible for the overdraft. I've tried speaking with customer service to no avail. I have even emailed the CEO. At this point, I am at a complete loss. My child is now out of town and does not have funds to provide for herself. The money was money that she worked for by XXXX, etc. I am far from wealthy and I'm currently unable to send her money at this time. 

I am fully aware of the bank 's ability to " offset '' money to cover a balance. I don't see how it's fair to penalize a XXXX-year-old by drafting their account and leaving them stuck with nothing. My goal is to get the {$220.00} that was removed from her account returned.

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 2019-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: CO

Complaint narrative:
There are so many problems here, I dont know where to start. I signed up for a MoneyLion account, enticed by the quick {$500.00} loan and XXXX app. I received the {$500.00} loan and made 1 payment on it. Since the payments are automatic, I assumed the loan was being paid because there were charges to MoneyLion on my account every month. I recently got notification from XXXX XXXX that a negative mark is on my credit report because the loan hasnt been paid in a while. I was never contacted in any fashion. No calls, no emails, no texts to tell me that my payments were not being applied. But money was still being taken out of my account. The money being taken out of my account was for MoneyLion Plus, of which a portion goes to the MoneyLion investment account. 

I currently have about {$440.00} in an investment account with MoneyLion and I owe about {$460.00} on my loan, which I can not make payments to, not because of financial inability, but because I can not reach customer service. I have tried on 4 different occasions : XXXX MST XX/XX/2019 I was on hold for 45 minutes and then hung up. XXXX MST XX/XX/XXXX I was on hold for XXXX hour and no one answered, so I hung up. XXXX XX/XX/XXXX, I was on hold for 1.25 hours and no one answered. XXXX MST XX/XX/XXXX I was on hold for 1.5 hours and no one answered. I have spent at LEAST 4.5 hours trying to get a hold of customer service. 

I would like to liquidate my investment account, apply it towards my loan, pay the remaining balance, and close my account and see MoneyLion pay for the horrible customer service. Actually, its not even horrible - its nonexistent. 

I would also like to know why the MoneyLion Plus payments were being taken from my account, and the loan payments were not being taken from my account. 

I now have increasingly bad marks on my credit report after spending 2+ years paying off my debts and getting my score back up and the worst part is that I have zero control over  this. 

Please do something. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX I received my Barclay 's Arrival + credit card. I activated it on the same day. I was never notified about the acceptance of the card and so I never knew when was the card accepted. The terms and conditions on the account say that 90 days from account start I need to make payments of {$5000.00} to receive 70000 bonus miles. However, I come to know now that my account started to XX/XX/XXXX ( and I received my card on XX/XX/XXXX ) and so the 90 days complete one XX/XX/XXXX. The start date of the account is shown nowhere, nor in the application, nor on the website in my account. The company guys are verbally telling me that my account opened onXX/XX/XXXX but have no proof of that. when I call they simply are not ready to listen.

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 2019-08-09 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: MS

Complaint narrative:
I opened an account with XXXX XXXX on XX/XX/XXXX with repayment terms of {$28.00} per month interest free for six years. My account is managed by XXXX XXXX XXXX XXXX. I make my payments via https : XXXX. I have made all my payments either on time or in advance except for XX/XX/XXXX which was two days late. I can document all of these payments. 

I was pre-approved for a home loan by XXXX XX/XX/XXXX of XXXX, TN on XX/XX/XXXX. My credit score was well above the required 620. I was set to close on a home on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX reported to all three credit bureaus that I was 60-90 days late and demanded {$240.00}. in late fees. My score plummeted 100 points. Since I had already paid {$1000.00}. in earnest money, {$350.00}. for an home inspection, and {$400.00}. for an appraisal, I paid the {$240.00}. in an attempt to recover my score. It didn't work. I lost the home. Now I'm stuck indefinitely paying outrageous amounts ( approximately XXXX XXXX./mo. {$600.00}. more than my house payment would have been ) to  keep my things in storage and live in temporary housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Back in XX/XX/2019 I was made aware of the fact that DSNB Macys had been reporting me 30 days late to the credit bureaus as of XX/XX/2019. I had at the time been experiencing trouble with the United States Postal Service delivering my mail properly. As a result of my mail issue I never received theXX/XX/XXXX statement from Macys and was totally unaware that there was a small balance due. As soon as I became aware of the issue I paid my bill in its entirety and contacted DSNB Macys credit department to explain the situation, I spoke to a manager XXXX XXXX who advised me to obtain proof of the incident from my local post office. I did as requested and obtained proof in the form of a letter and faxed it to DSNB Macys. They denied the letter and the reasoning they gave me was that the letter was not stating that the post office was taking accountability. The letter was taking full accountability, but the supervisor I was speaking to asked me to get a second letter from the post office where they are confirming the incident. I have obtained another letter at a great expense of time and effort and have faxed it to DSNB Macys.  They continue to deny my request and refuse to accept letters from The United States Postal Service which is a Federal Regulatory Commission. I have provided proof more than once and have no other means of resolution and am requesting that you intervene.

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 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA MORTGAGE Approved our refinance loan of {$180000.00} and sent our " Final Disclosure '' on XX/XX/XXXX for an XX/XX/XXXX Consummation Date. 

We've already paid all property taxes and insurance through XX/XX/XXXX. 

On XX/XX/XXXX, at the time of signing- the Notary placed NEW " Final Disclosure '' on top of our Loan Documents changing the terms of the XX/XX/XXXX " Final Disclosure '' and forcing our hand in accepting the inclusion of escrowed insurance and tax payments. 

According to CFPB, it's against the law to give this less than 3 days notice before signing. We were coerced and this will negatively affect our finances moving forward, putting us at higher risk while also causing us to lose the benefit of controlling our own monies and using our credit to our best interest. 

USAA could not give any clear answers as to why they did this at the last minute as we were in the process for almost 2 months, nor would they offer any reconciliation. 

USAA then spent our valuable time having us continue to email and call them to re-hash the scenario to different representatives, also putting us on hold at 20-30 minute increments and eventually offered " hope '' that the servicer could adjust off the escrow. When we asked if having escrow taken off has ever happened, they said " No. '' We will lose the ability to make interest on the monthly payments to escrow and we will lose the ability to pay-down the principal during the year because of USAA 's incompetence with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
The first point of contact was with Loan originator XXXX XXXX on XX/XX/19and started a streamline loan, which the assumption it would take about 3 weeks to finish. On XX/XX/2019, through XX/XX/2019, I realized I was not going to close on time was told to pay  my mortgage and I did with late fees. Was sent a piece of information by email stating I was in the process of closing my loan but given several closing dates. The last person of contact was XXXX on XX/XX/19 with a scheduling date and time of XXXX XXXX ( XXXX ) XXXX in the scheduling department, spoke to XXXX in the Recovery closing team department ( XXXX ) XXXX, he never gave me a direct line to call just told me my closing disclosure forms would be in the email by the close of the day on XX/XX/19. Spoke to XXXX XXXX this same day and she told me XXXX was working on my file her number is ( XXXX ) XXXX. Received an email from XXXX XXXX and her phone rang stating she was at home all week ( XXXX ) XXXX never got a chance to speak with her at all. Have been given the run-around and getting frustrated due to the closing dateXX/XX/19. Need correct answers and documents before closing so there will be no surprises on the closing date.

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 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I have no knowledge of this account this is fraudulent I haven't had a XXXX account in 10 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: AES/PHEAA
State: TX

Complaint narrative:
I am trying to remove the Fed Loan and XXXX XXXX listed on my credit reports. The Fed Loan was discharged and XXXX XXXX has several duplicates and it has aged out

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I initiated a transaction for a few hundred dollars on the end of Wells Fargo. The payment posted but The payment later disappeared off of my account. The payment was not pending, it was completed. Wells Fargo initiated a three way call with my other bank, XXXX XXXX to ensure the funds were posted and completed. XXXX XXXX confirmed this and provided a trace number, quoting it may be stuck with the federal reserves. Wells Fargo is telling me that the removal of funds is illegal on their part and they would work diligently to fix it. They have been extremely helpful but partly I feel as though this is done because they understand they are in the wrong. It was later confirmed that the funds were showing in their back office but for some reason it was not posted as fund received even though XXXX XXXX confirmed funds were sent. They escalated the issue because it may be a  system error. I have heard of illegal wellsfargo activity in the past and I just wanted to know my options or at least whistle blow when I notice illegal activity. I believe light should be shed on this issue. It has been three business days. I posted the amount that was taken from my XXXX XXXX. His also caused overdrafts in my Wells Fargo accoun

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 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Penn Credit Corporation
State: CA

Complaint narrative:
this is fraudulently opened this is not my account I have no knowledge of any property in XXXX Pennsylvania

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is regarding the transaction made in XXXX XXXX ( XXXX ) using Capital One Venture VISA credit card ( issued in US ). Both Capital One and VISA confirms that actual currency exchange rate would be calculated when transaction is posted on account. Its not when transaction was made. 

Here are the specific details related to transaction. 

1 ) Transaction posted Date in Statement - XX/XX/2019 2 ) Bank Fee confirmed by Capital one - 0 % 3 ) Transaction Currency- XXXX XXXX ( XXXX ) 4 ) Credit Card Currency - US Dollar ( USD ) 5 ) Transaction Amount- Rs XXXX Issue - Amount charged by Capital One Venture VISA credit card is XXXX XXXX.This amount is {$160.00} more than actual exchange rate. 

I have done some research on this transaction and here is the proof why foreign exchange rate is inappropriate- 1 ) Upon entering above 5 details on Foreign Exchange Rate Calculator on VISA website, amount charged should be $ XXXX This conversion by Visa is WRONG. ( Attached screenshot for more details ) Web link - https : XXXX 2 )  Upon entering above 5 details on Foreign Exchange Rate Calculator on MASTERCARD website , amount charged should be {$7600.00} This conversion by MASTERCARD is  correct and is very close to exchange rate searched on XXXX. ( Attached screenshot for more details ) Web link - https : XXXX As VISA is using inappropriate currency exchange rate I need to pay around {$160.00} more for single transaction. 

I talked to Capital One and VISA both and they delegate the question to each other and no one is taking the responsibility of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am trying to remove the XXXX  XXXX and XXXX XXXX listed on my credit reports. The XXXX  XXXX was discharged and XXXX XXXX has several duplicates and it has aged out

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 2019-08-09 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: TX

Complaint narrative:
I am trying to remove the XXXX XXXX and XXXX XXXX listed on my credit reports. The XXXX   XXXX was discharged and XXXX XXXX has several duplicates and it has aged out

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am trying to remove the XXXX  XXXX and XXXX XXXX listed on my credit reports. The XXXX   XXXX was discharged and XXXX XXXX has several duplicates and it has aged out

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 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
I owed some money to XXXX back in 2017. They sent my account to a collection agency ( XXXX XXXX ). The latter contacted me and I paid them and the cases was settled and closed. After two years, EOS CCA ( another collection agency ) reported to XXXX that I owed them {$59.00}. I explained to them that I paid XXXX XXXX and the case was settled and closed but in vain. This company has been doing to a lot of people as I read online. I have a bank statement showing I paid XXXX XXXX. By the way this company is out of business as I checked online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
They call all time any hr ect

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 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hello, I already submit a case about how the BOA agent rude to the international student, and made her credit card unpaid after helped she close the checking account. after the first compliant, the BOA connected me and provided an solution that I could add my friend at the authority users list. according to the policy of Boa, the authority users have rights to withdraw and pay my credit card. however, we meet new problems now. when my friend tired to go to the local bank, they said she have to call the credit card department to pay. when she called the credit card, they said that she could not pay, because this card is mine. but when I called the bank, the agent told me that they promise my friend could could them, and they will help she to do the payment. so we got different answers from the same company.I tried to pay my bills, and fixed the problem that BOA agent did. However, it is so hard to get a correct way. my credit card is due on XX/XX/XXXX. after this time, I have to pay more late fee.what can I do now? hope you can help 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 monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My first Capital One ( Venture One ) card was activated several weeks ago. 
I had used it often since. 
Unable to access the account online, I was told by a Capital One agent that I needed to send the front and back of my Driver 's License ( through a secure link ) to gain online access to the account. 
I did that. 
To which they froze the account, without warning or reason - apparently because the address on the license plate did not match the address on the account. ( I own a house in New York, and the townhouse in XXXX XXXX NM from which the account was applied. ) I learnt of the freeze when my card was rejected in a restaurant. ( In front of a client. ) In response to my frantic call, Capital One - through three different agents - insisted that the only way to reactivate the account was by my sending a photo of my Social Security card in an email! 
A physical photo of the SS card, and nothing else will do? They also wanted a photo of a local utility bill ( reasonable enough ) but the SS card was in a safe deposit box in NY.

Game over. No physical SS card, no re-opening the account. 
Once my astonishment wore off, I demanded that Capital One put this remarkable SS card request in writing - email or physical letter. 
They refused. They offered a generic letter about " questioning my identity '' - which would have been patently false. ( I have worked in the banking industry for 40 years and know their people personally, as I described. ) They again and again refused to put in writing this bizarre and unique requirement, even as they made it again and again on a recorded line. 
If they doubted my identity, they should not have validated the card in XX/XX/XXXX. 
Instead, I now have roughly one dozen " auto-pay '' accounts waiting to charge my new " rewards '' card - but it's still frozen.

Company response to consumer: Closed with explanation