vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received notice recently that My capital one credit card has been closed by the bank. I previously was going through a dispute with a furniture store called XXXX XXXX. I purchased the Mattress on this credit card but returned it and the company was giving me a hard time about my refund. All of this was communicated to Capital one as I was disputing these charges. I recently got a full refund from XXXX XXXX   which was the only transaction I had made on t he card. That said capital one has charged me late fees when in reality I shouldn't even have a balance and XXXX XXXX gave them a full refund ( statements attached ). Now I have a closed account that has negatively impacted my credit score all over charges I shouldn't have. The balance remaining on the card come from Fees and interest that I shouldn't have been charged in the first place. I've called and visited multiple branches and no one appears to be able to help me. 

I have also attached an copy of an email exchange I had with the Department on consumer affairs here in XXXX XXXX  XXXX showing that the balance was refunded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I've been with US Bank for several years now and I have establish a business account with them. They offered me a Cash Reward Card which I have since paid off, cut up and no longer will be using the card. However, there is {$21.00} left on the cash reward that the bank is refusing to transfer over to my checking account knowing that I will not be using the card any longer. I didn't ask for a check sent to me, i didn't ask for a gift card to be send to me, I just asked for the {$21.00} to be transferred to my account. Each representative that I speak with tells me that the minimum to withdraw rewards earrings is {$25.00} however, if a person is no longer going to use the credit card, they discarded the credit card, how will the person be able to acquire the remaining {$4.00}?? They will not be, I've the company on several occasions trying to explain my situation to them and they do not care, so I am reaching out to you to see if you can step in and assist. The amount is so minimum, it should be no problem for the company to just transfer the funds ( my money which I earned by using their credit card ) to my checking account. Please assist!

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 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
This past Friday evening ( XX/XX/2020 ) I received a notification that I needed to contact the Discover fraud line and my account had been locked. 
Upon doing so I was on hold for quite some time while the individual I was speaking with reviewed my account. 
Eventually, he sent me to their tech support to have me upload both sides of my driver 's license as verification. 
Once that was complete I was forwarded to a third individual who eventually informed me that all of my accounts were closed for " business reasons '' and that I should have a check within 60 days with my remaining balances. 
My wife then called later to attempt to get further information as well as to inquire about our Discover credit card still being active in hopes of figuring out why we were being punished. Shortly thereafter our charge card ( which we had just paid off ) had also been closed. 
The closest thing to fraud we had done was to set up multiple savings and money market accounts in order to try an automated budgeting system we had heard about. The accounts had been opened earlier in the week and I went through and funded them upon receiving our income tax refund the previous day ( XX/XX/2020 ). 
We had also run one of our savings accounts, that had been open for over a year, up to the maximum of 6 transactions - but this wasn't entirely on us. 2 of those transactions were executed by someone at the bank troubleshooting an issue we were having trying to transfer {$450.00} from that account into our checking account. They executed a {$1.00} transfer and a {$100.00} transfer - both of which counted against us and neither of which were helpful. 
We received zero notice and were depending on those funds to finally get our financial heads above water - this risks us being in a worse situation, financially as well as on our credit report/score, has put a lot of stress on my wife, and we are scrambling to find a way to pay our childcare expenses, buy groceries, and get to work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02 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:
This is unbeleivable how do these people learn how to scam and steal people identity to open fraudulent Accounts I did not Authorized these account. this is fraud please shut down these Accounts also I would like to put a fraud alert on my files thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: FL

Complaint narrative:
This is unbeleivable how do these people learn how to scam and steal people identity to open fraudulent Accounts I did not Authorized these account. this is fraud please shut down these Accounts also I would like to put a fraud alert on my files thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: NY

Complaint narrative:
A debt of {$280.00} that was paid off and closed last year was not removed from my Experian credit report when it was disputed. I would like it to be removed as it is a closed and settled account and it has been that way for over a year. I have left a message with the collection agency ( XXXX XXXX XXXX, XXXX XXXX, NY ) and have not heard back from them. This one negative item is inhibiting me from getting a mortgage and has lowered my score immensely.

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 2020-03-02 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: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I paid debt in the amount of {$170.00} in full. Paragon revenue group in XXXX XXXX XXXX  in XXXX nc. stated it would be removed from all 3 credit bureaus in two to 4 weeks. Or 30 days, however in some cases it can take up to 45. It is XX/XX/XXXX. 4 months later and the payoff is not reflecting. The debt still shows open and reporting to the 3 bureaus. When I called them back I had to leave a message on Friday, XX/XX/XXXX at XXXX et because I was told the collections ladies were not available. I received a call on Monday XXXX XXXXand but had missed it and called back. I stated I missed a call and the man said hold on and transferred me. A lady then picked up and harshly said hello and argued with me for a couple minutes about how I had told her she had the wrong number. I did not have this conversation since she repeated the number she dialed back to me and it was indeed wrong. She then proceeded to state it's up to the credit bureaus to remove the negative reporting and they had requested it once and sometimes it takes many requests to have it removed. Paragon has a due diligence to ensure this is removed from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank has charged over {$4000.00} in fees to my account in 2019. I asked them to 1 ) refund / waive the fees or portion of the fees to my account and 2 ) adjust the account so there is no curtesy coverage for when the funds go into a negative ( return the payment do not honor if it brings my account into a negative ). 

US bank assessed fees and other costs even when they plain returned the payment and did not honor it. As other times, they haphazardly honored certain transactions but dishonored others. There is no steady service in this regard as they never know what payment will be honored and what payment will not be honored. Regardless they always charge fees and I suffer damage. 

So, I asked to evaluate the fees total of {$4000.00} for 2019 and make remedies but no response as of now. 

My account does not deposit more than {$4000.00} into the account on monthly basis and often less than {$4000.00}. I believe {$4000.00} a year in fees assessed against such a small account works to shut down my business as a sole-proprietor as it is excessive. Need your help addressing the issue and figuring out the motifs.

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 2020-03-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NY

Complaint narrative:
A Company Professional Bureau Of Collections of Maryland , Inc. Is  trying to extort money from me on a alleged debt they say i owe. I don't know how they got my information but they are sending me personal information. I ask them to cease and deist but they are refusing to leaving me alone. they are not threatening me to pay. I filed and identity theft report with the FTC identity theft department. I don't know how they got my information i wanted to pay for sending misleading and false information under the FDPCA. I never signed any contracts with this company ever in my life. They stole my Identity to get my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I filed a chapter XXXX debt repayment plan. After I filed this and a court order was issued I began making payments. While making payments I received a letter from citi card showing I was overcharged on interest and a refund was credited to my account in the amount of {$690.00} I contacted citi and notified them that I had a court order and that I was making payments under it. They told me I needed to contact my trustee and have him adjust my account. I contacted my trustee however he told me he could not change the amount of payments being made since a court order had already been issued. Now the the chapter XXXX has been paid in full per the court order citi card still has the excess funds of {$690.00} that were credited to my account. I have made multiple phone calls to citi card spent hours on the phone and they continue to transfer me to their lawyer who has no record of my account. I have also left multiple messages with XXXX XXXX at citi who has not returned my calls. Its apparent that citi has no intentions of returning the {$690.00} I had overpaid in interest so I am submitting a complaint hear to help others avoid having similar problems.

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 2020-03-02 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: WV

Complaint narrative:
I have disputed a XXXX XXXX account that is being reported to all three credit bureaus and had no luck with getting accurate information published.

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 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
Our mortgage loan is serviced by The Money Source. This mortgage was bought from XXXX XXXX XXXX. We do not have any late payments nor any delinquencies. Here are our complaints : 1 ) The escrow payments from XXXX XXXX XXXX has not been transferred to The Money Source. They have not worked on getting the escrow balance from the previous mortgage company to ensure that our property tax that is due by XX/XX/XXXX is paid. 

2 ) Our closing documents show a monthly payment of {$4200.00}. And this amount is the same amount that is reflected on the monthly statements issued by The Money Source. HOWEVER, they are crediting our bank account {$5600.00} starting today. I called them today and I was told that they are not aware and have not worked on getting the escrow balance from XXXX XXXX XXXX. This is the reason why they are increasing our monthly payment without notice. Apparently, they just made the escrow analysis on XX/XX/XXXX, and that shows they should credit our bank {$5600.00} today, XX/XX/XXXX. 

As I am currently talking to them now, I am being told that they will put a hold on monthly payment until they resolve this issue. I am still filing a complaint because they should be notifying us of any change in monthly payment or any result of escrow analysis. Secondly, I am very concerned if our property taxes will be paid timely by the end of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of Identity Theft, Incident # XXXX, XXXX Police Dept. Many accounts were opened in my name fraudulently between XXXX. Due to the ID Theft I had to close by bank account a few times and also I had to get a modification. The company told me to not make any payments until the modification was complete. I would like to start an investigation on the following account : XXXX XXXX XXXX Opened : XX/XX/2011 Amt. 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 2020-03-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of Identity Theft, Incident # XXXX, XXXX Police Dept. Many accounts were opened in my name fraudulently between XXXX-XXXX. Due to the ID Theft I had to close by bank account a few times and also I had to get a modification. The company told me to not make any payments until the modification was complete. I would like to start an investigation on the following account : XXXX XXXX XXXX Opened : XX/XX/ Amt. 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 2020-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: RI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: Statewide Credit Services Corp.
State: NY

Complaint narrative:
A debt of {$280.00} that was paid off and closed last year was not removed from my XXXX credit report when it was disputed. I would like it to be removed as it is a closed and settled account and it has been that way for over a year. I have left a message with the collection agency ( Statewide Credit Services, XXXX XXXX, NY ) and have not heard back from them. This one negative item is inhibiting me from getting a mortgage and has lowered my score immensely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: AL

Complaint narrative:
On XX/XX/2020 I received a predatory payday loan from a unlicensed lender in the amount of {$500.00}. 
I believe this company to be in violation of Alabama 's payday laws and legislation. 
Please see attachment for terms of the loan :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I have disputed a XXXX XXXX account that is being reported to all three credit bureaus and had no luck with getting accurate information published.

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 2020-03-02 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: WV

Complaint narrative:
I have disputed a XXXX XXXX account that is being reported to all three credit bureaus and had no luck with getting accurate information published.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The XXXX XXXX XXXX XXXX via XXXX XXXX XXXX ran a hard credit inquiry without my permission. I have not been able to get this hard inquiry off my my credit report

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 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
AFTER THESE GLORIFIED CROOKS CLOSED MY ACCOUNT, THEY ACCEPTED A PAYMENT FROM XXXX XXXX PLAN OF {$680.00} THAT WAS DIRECTLY DEPOSITED ON XX/XX/2020. THEY WOULD NOT ACCEPT A PAPER CHECK PAYMENT THAT I TRIED TO DEPOSIT TO KEEP MY ACCOUNT OPEN OR AT LEAST REOPEN IT AND THEY CLAIMED THEY COULD NOT ACCEPT IT BECAUSE IT WAS ALREADY CLOSED AND YET THEY KEPT MY DIRECT DEPOSIT PAYMENT I WORKED HARD FOR OF {$680.00}. HAD THEY RETURNED THE PAYMENT TO XXXX, I WOULD HAVE BY NOW GOTTEN A PAPER CHECK FOR THIS AMOUNT. BUT INSTEAD, XXXX, ACCORDING TO XXXX  WHOM I SPOKE WITH ON XX/XX/2020, SAID THE FUNDS WERE ACCEPTED AND ASSIGNED THE EFT NUMBER XXXX ON XX/XX/2020 AS MENTIONED ABOVE. I AM DISGUSTED THAT SUCH A THIEVING FINANCIAL INSTITUTION WHO NEVER HELPED ME WITH MY SMALL BUSINESS WOULD COMMIT SUCH THIEVERY WITH ALL THE MONEY THEY MAKE SUCH AS OWNING A STADIUM  FOR THE XXXX XXXX CAN BE SO XXXX. I AM WITHIN MY RIGHTS TO CALL THE FBI FOR WIRE FRAUD COMMITTED BY THIS THIEVING FINANCIAL INSTITUTION.

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 2020-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There are two fraudulent accounts from Capital One Bank USA # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at XXXX  they stated that Capital One Bank USA unblocked the debt and XXXX has no way of re-blocking the debt back. Which is odd because XXXX  have the ability to unblock and block accounts.

Company response to consumer: Closed with explanation