vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I placed an order for Isopropyl Alcohol on XX/XX/2020 through XXXX seller, XXXX  XXXX ( XXXX ). The seller charged {$26.00} for the alcohol plus tax and shipping ( total {$41.00} paid thru XXXX and placed on my Capital One credit card ). It was a gift for my sister who lives in XXXX, VT. I cancelled the order within a few hours because I found I could purchase the same item for {$2.00} at our local drug store and I determined that the seller was price gouging. The seller shipped it anyway. I contacted the seller through XXXX, XXXX and my credit card several times to resolve the issue and have submitted the requested documentation to the credit card company several times. I have documentation to prove that the package was refused by my sister and returned to the Seller through the US Postal Service ( The shipping method he used. ) In conversations with XXXX of Capital One on XX/XX/XXXX at XXXX XXXX. XXXX stated that the seller had a very weak case and there should be no problem in getting the charge reversed and that the seller had promised to reverse the alcohol cost ( {$26.00} ) but not the shipping. XXXX said if I could provide Documentation which showed that the package could be refused, Capital One would reverse the shipping charge also. The seller hasn't refunded the cost of the alcohol and Capital One electronic messages have stated that they need more information and closed the case. Capital One placed the charge back on my credit card on XX/XX/XXXX. 

I have all of the documentation that I can provide electronically

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
My loan was serviced by XXXX XXXX and was transferred two years ago to First Citizens. I began receiving bills that included fees that seemed inaccurate, AND they informed me that I was past due ( which I was not ). For two years, EVERY MONTH, I have been trying to resolve this on the phone with them -- they will not allow me to escalate the matter on the phone, but promise return phone calls never come. Finally, in XXXX of this year ( after I called the CEOs office number ) I received a call acknowledging that I was not late, but was in fact paid a month ahead. To correct it they told me to skip a month 's payment -- I did and that portion of the problem was correct EXCEPT I had asked them to remove the late fees and correct derogatory credit items. They again keep promising me call-backs that never come. They have not even attempted an explanation for the new " fees. '' On the advice of an attorney, I sent them a formal request in writing to fix the problems. They received it 2 weeks ago and have yet to acknowledge my letter. They are required to acknowledge it within 5 business days. They acknowledge the problem when I call them, they won't let me talk to anyone and promise me calls back -- they never come and the problems haven't been explained or fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26 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: GA

Complaint narrative:
Please assist me in getting these inaccurate items and reporting removed from my credit file. 

Incorrect Personal Information : Incorrect last name on Transunion XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( TU and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( TU and XXXX ) Incorrect Address : XXXX XXXX XXXX  ( TU and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX )  Accounts Reporting either in error or as a result of identity theft : XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Balance : {$500.00} XXXX  ( XXXX  XXXX  ) - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Balance : XXXX Please remove unauthorized Inquiries : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 3 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX ( 6 TIMES ) XXXX ( 9 TIMES )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX  Cash App debited {$72.00} from my account in error. I have reached out to have my funds sent back and account unlocked and I have not received a response. 

Initially, I was advised ( with a general response ) that the State of Michigan deposited Unemployment Funds in error. I have already confirmed the deposit to my cash app with the State of Michigan, on behalf of my husband who personally spoke with the State of Michigan. 

I asked for Cash App to refund my {$72.00} and they have not done so. 

It is wrongful, and discriminating to ASSUME that someones funds were wrongfully deposited without ANY documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/XXXX I paid off the loan on my XXXX XXXX XXXX ( XXXX XXXX ). I have called Kia Finance Customer Service repeatedly asking them to release the lien so that I can sell the vehicle. For 2 months I have been told that all they can do is email the title department. I have asked to speak with the title department directly and was told that they don't speak with customers. I was told that the lien would be released on XX/XX/XXXX. As of today, the lien is still there. I can not get a title. I can not sell the car. They acknowledge that the loan is paid in full - yet there is no one who can get them to release the lien or send the title. It has been 2 months since the car was paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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 HAVE SEVERAL INQUIRES ON MY CREDIT FILE THAT I DID NOT DO ) someone use my identity and summited fraudulent applications in my name also open several fraudulent accounts this is my second time disputing this information the reps have told me several times that they did not receive my information I have sent it certified mail now I am making a complaint I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I can not transfer money to a site where I can buy digital currency. Not being able to use my own money is a huge problem.Quite a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
Amsher Collection Services has provided information to XXXX and the other reporting companies. They can not find me in their system by my social Security number, or my name. 

They indicated that they did not know whom reported to them that I owed them money and I was not in their system. 

i spoke with XXXX at XXXX in the afternoon on XX/XX/XXXX, It is scary to me that a company can report on my credit information that they can not only NOT back up, they do not even have my name in their system????????? The amount billed to my was {$310.00} XX/XX/XXXX XXXX XXXX XXXX did the same thing to my Credit report after 4 months and several filed complaints it was found that a women in another state with a completely different name and social ( which they would not disclose ) was the person they were attempting to collect from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA CREDIT CARD FRAUD CLAIM LETTER OF XX/XX/XXXX. Claim Date CONFIRMED XX/XX/XXXX {$470.00} UNAUTHORIZED TRANSACTIONS. 1 ) What statement will I find ( {$470.00} ** INCLUDED IN TOTAL CREDITS FOR THIS PERIOD.??? ) I have all statements XX/XX/XXXX until current. THERE ARE NO PERMANET FRAUD CREDITS APPLIED. ( Kindly Note USAA UNTIMELY FRAUD INVESTIGATIONS NOT DONE UNTIL XX/XX/XXXX A YEAR AFTER Claim Date XXXX XXXX ) NO USAA PERMANET FRAUD CREDITS PROVIDED XXXX Remember usaa policy of temporary credits that fall off and are NOT EVER INCLUDED IN TOTAL CREDITS FOR THIS PERIOD. They appear as ADJUSTMENT PURCHASES and are only Temporary until MADE PERMANET.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Hello- There are 2 hard inquiry on my account, which i didn't authorized nor did i apply for anything. Please investigate and take these off. 

1ST inquiry is from Syncb, Inquiry from XX/XX/2019 XXXX XXXX XXXX 2nd inquiry from XX/XX/2019 XXXX XXXX My name is XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, CT XXXX Phone # XXXX My email is 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 non-monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Merchant settle for less then amount owed which was XXXX XXXX for XXXX $ and owedXXXX account was then closed. Account was openedXX/XX/XXXX and as of XX/XX/XXXX made this account 7years old .so I asked that it be removed completely because by law thats there policy, they have it on my report till XXXX of XX/XX/XXXX Experian sill want remove it XX/XX/XXXX and XX/XX/XXXX has removed it and it should haven been taken off or deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was charged {$95.00} by American Express. Over the years, I received advertising from American Express about their " Extended Warranty ''. I wrote to American Express on XX/XX/XXXX ; this is the first claim I have filed with American Express in twenty years of using this credit card. I have not had a response. 

My letter of XX/XX/XXXX to American Express and related correspondence is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I purchased a watch in XXXX of XXXX I financed using the interest-free finance plan advertised at the store. The issuing credit card company ( Comenity Bank ) set up my automatic payment with the understanding that I wanted to pay in the time frame allowed to take advantage of the interest free financing. For over a year, I paid the required amount on a monthly basis ( it was {$130.00} a month, due on the XXXX of the month ). My last payment was much smaller, the final balance was {$15.00}, which was also paid via automatic payment on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice that the balance was paid. 

On XX/XX/XXXX, I signed into the account to make sure that it was closed. I found a balance of {$200.00}! 

I called Comenity Bank and they told me that the " window '' closed on XX/XX/XXXX and because I had a balance of {$15.00}, they were charging me {$200.00} in finance charges! 

They agreed that they set up the due dates and automatic payment and they acknowledge that the due date and automatic payment was set up 4 days after the " window '' - so that I would be hit with the late charges. 

Several customer service reps agreed on the phone that this was ludicrously unfair, but state that they could not help me. Eventually I found a manager that granted me a {$50.00} credit, because she also understood that this is grossly unfair. That is not an adequate solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please assist me in getting these inaccurate items and reporting removed from my credit file. 

Incorrect Personal Information : Incorrect last name on XXXX   XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX XXXX ( XXXX and Equifax ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX and XXXX ) Incorrect Address : XXXX XXXX Ct ( XXXX and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( Equifax ) Accounts Reporting either in error or as a result of identity theft : XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; Balance : {$500.00} XXXX  ( XXXX XXXX ) - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Equifax ) ; Balance : XXXX Please remove unauthorized Inquiries : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) EQUIFAX XXXX ( 3 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX  ( 6 TIMES ) XXXX ( 9 TIMES )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please assist me in getting these inaccurate items and reporting removed from my credit file. 

Incorrect Personal Information : Incorrect last name on XXXX   XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( XXXX  and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX and Experian XXXX Incorrect Address : XXXX XXXX XXXX ( XXXX and Experian ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX )  Accounts Reporting either in error or as a result of identity theft : XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; Balance : {$500.00} XXXX  ( XXXX XXXX ) - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX ) ; Balance : XXXX Please remove unauthorized Inquiries : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 3 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX ( 6 TIMES ) XXXX ( 9 TIMES )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC
State: IN

Complaint narrative:
The number listed above is my work telephone number. I did not give the original creditor permission to call this number at any time. Yet, now the debt collection agency, CKS Financial is calling this number using a robocaller. Caller ID shows it as XXXX. Today alone I have received 4 calls from this number to my work telephone number. In the past week I have received a total of 20 calls from this number with the same pre-recorded message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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:
I was checking my credit today XX/XX/20 because I want to apply for an auto loan in the next few months but when I was looking through my credit report, I saw some accounts and inquiries that are not mine. The accounts are from companies that I have never opened any account with nor am I affiliated to those companies in any way. I did not allow anyone to open these accounts in my name and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts because it's not fair that I'm being help responsible for accounts that I didn't even open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
PayPal credit was not willing to work with me during this pandemic. When they called I was offered no cares act support. My income has decreased significantly directly from the pandemic. I was told I had to pay over {$600.00} to bring my account current. I dont have that now. I just saw they closed my account as well. How can you charge {$150.00} in interest when I dont have the resources to pay. This is ridiculous

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Over the past seven years I have had difficulty working with XXXX   on blocking fraudulent items. I have two police reports on file with XXXX and they have not used the police report when investigating/disputing information. I have contacted several company in which I didn't establish credit with and they have stated that XXXX   do not send did not attach police report to dispute .XXXX XXXX  manage will return call in 24 hours per XXXX in fraud department XX/XX/20. 

XXXX also have removed some paid and closed items on my report without my permission. in the past I have a few open paid as agreed account and XXXX refused to update my credit score. 

XXXX is asking for an extended police report. once again these are not new items on the credit report. XXXX is allowing companies to change information on old disputes. 

This is my second complaint to consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: U.S. BANCORP
State: TX

Complaint narrative:
I disputed a charge ( letter faxed to the credit card company on XX/XX/20 ) from XXXX XXXX XXXX aka XXXX on my Fidelity Visa account ending with XXXX because I didn't receive the service I purchased ( round trip tickets, instead the return trip was cancelled ) and no adequate compensation was provided for cancellation and alternative flight arrangements. Cardmember Service failed to correctly process the dispute, incorrectly claiming that I received the services represented in the transaction. I faxed them my objection to their decision on XX/XX/20, requesting a partial reversal of the charge to compensate for the issue with the charge that I raised. Cardmember Services failed to respond to fulfill my request.

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 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Branch mgr hung up on me when I called for balance to be mailed to me because my account is blocked and I have been requesting stops but bank dies nothing continually. I request my balance and all statements which should be {$4000.00} but bank refused. I am refused online access, I am refused my statements. I am refused my money. XXXX branch Manager is upset and hung up on me.

Company response to consumer: Closed with non-monetary relief