vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, i tried to transfer money from my citibank XXXX XXXX to credit card ending by XXXX Via mobile app in the amount of {$1600.00}. 
On the first 2 attemps, it poped up with server technical error msg, payment did not go through. I tried another time, finally the transfer went through with confirmation #. However, later i found out the payments went tripled from my XXXX. Since the quite big thousands dollars, i asked to reverse 2 additional payments. Reverse not take out cash. However, it turned out that customer rep on message tool said i need to call in order to make a request. 
The purpose of designing Message tool is to reduce customer waiting time with call center. But it turns out not as convenient as it should be .... on XX/XX/XXXX around XXXX, Rep said they canot trace the the source of payment to XXXX  from my XXXX  by ( XXXX XXXX. Next, XXXX said she canot refund even though asking with supervisor .... being a Credit card great user for ober 15 years, This is so ridiculous to be told that i need to call in order to get immediate refunds what was caused due to your citibank app server connectivity since i only got one confirmation #.. 

It took me 30 mins on the line to be connected for live Rep. But she firstly said she only can send me a check. Am i gon na be the one victim of many suffering from your citibank technical issue? I only asked the extra payments which were transferred from your citibank checking account, not even any outside bank account nor any uncleared, potentially bounced check payment. You citibank treat customer 's bloody money as " XXXX '' ... that is thousands dollars not houndres XXXX. I need money for medical bills and foods. 
I am extremely disappointed about client experience and citibank policy and procedures violates FED fairness to all customers. I think citibank should no longer offer any credit product to any customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX - XXXX This account needs to be removed from my credit as it is affecting my credit and the company is not removing loan as this is not my account. It is showing on my credit as negative and needs to be removed.

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 2022-05-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX - XXXX This account needs to be removed from my credit as it is affecting my credit and the company is not removing loan as this is not my account. It is showing on my credit as negative and needs to be removed.

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 2022-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX XXXX, 2022, I stepped to stay at XXXX XXXX in the middle of the country, on my way to XXXX. I had to stop because it was night and there were no lights on the roads. I was given room XXXX, but when I tried to turn on the heater it was not working. I asked the receptionist to move me to another room and she told me there were no other rooms available. I asked for a refund, and she said that XXXX XXXX doesnt give refunds. I called Regions bank and the bank told me that I need to wait until the funds processed to file a dispute on XXXX XXXX, 2022, I filed a dispute. I never received any information about the dispute. I finally, on XXXX, 2022, I was told that the bank decided to not refund me for the hotel stay, even though I sent pictures of the broken heater and room number and evidence I was at XXXX  XXXX from my mobile device, At that point, I asked for it to be put in writing that I wouldnt receive a refund with an explanation and XXXX XXXX XXXX, told me that he wasnt going to allow his employees to put the explanation in written form. The result was that I left the bank disappointed and without a valid reason why my purchases werent being protected from merchants who called not maintain an expected quality of service for the price and product rendered. No one should be forced to pay {$91.00} for a single night in a hotel room without heat. XXXX is necessary basic need and is included in expected services provided by the hotel. 
In addition, I had other disputes in the past that were treated in the same manner. This is the first dispute that I am making a claim about.

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 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
XX/XX/XXXX sent in loan modification application to specialized loan services after several discussions and delays on sls part they said we did not send the application in time I called XXXX. To help with this process XXXX intervened and tried to help us sls gave XXXX the same run around XXXX possible XXXX suggested we file a complaint we have been trying to find a solution through sls whether it is a loan modification or another program through specialized loan services but they still keep delaying our request we do not want to lose our home so we need help from sls and XXXX 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 2022-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I went to XXXX XXXX XXXX to get a second opinion on a very specific bloodwork test for a particular virus ( HPV ). I explained the reason for my visit to the front desk -- that I was there for a very specific test as a second opinion. I had a full STD panel performed already, and it was negative -- I just needed HPV re-tested as it has a high false-positive rate. 

After my blood was drawn, the attending physician asked if I wanted just the HPV test, or a full STD panel. I again stated just the one test, and gave my reasoning as to why -- it was a second opinion, etc. For some reason, he later called me to once again confirm whether I wanted the one HPV test, or a full panel, and I explained it again. He relinquished that he remembered our conversation, and that was the end of the phone call, but it did seem odd. 

I was later sent two invoices by XXXX ; one for the HPV bloodwork, and another for the full STD panel that I had explicitly declined. I spoke with XXXX, but they insisted they could not help and that I needed to contact the physician 's office ( XXXX XXXX XXXX ). After a couple of weeks of attempting to contact the XXXX XXXX XXXX billing department, I was finally able to get through to an individual that said that they would investigate, but I never heard back and now the bill has gone to collections. 

The bill is only for {$78.00}, and I have a XXXX XXXX of XXXX and have never *not* paid a debt owed. But I used to work in medical billing and am choosing to stand on principle. This was not some ancillary charge that I did not understand or that was unavoidable -- This was bloodwork that I was specifically asked by the physician if I *wanted* to which I said *no* more than once.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
This is a two-fold issue and I'll do my best to be brief. I recently made a mobile deposit of an {$1800.00} personal check into my checking account. The bank released {$500.00} of it to my account and held the remaining {$1300.00}. When I inquired with the bank as to why this money was withheld from my being able to access it, they stated that due to the number NSF 's I've had over the prior 12 months required the funds be held from access for 7 to 10 business days. They stated there was nothing they could do after I repeatedly told them that I needed that money released so I could pay my phone bill ( the only form of communication my family has ) and so I thanked them and hung up. 
I called back a few minutes later because I wasn't satisfied with my money just being held from me like that. This time, my complaint was sent up to the CEOs complaint desk, they took my info, and we hung up. 
In the meantime, I was curious about how many NSFs I actually had over the past year, since it apparently had some influence over my ability to use my account and access funds. I discover I had quite a few, which was not surprising XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was a struggle to keep money in the account and keep bills paid. I burned up every cent of my savings and retirement to keep my family fed. All the while, as I'm struggling to keep money in the account, the bank is taking a {$29.00} fee from me for each occurence, culminating in {$840.00} in fees removed from my account over a year and a half. 
The next phone call, I spoke with the CEOs Manager of Customer Complaints and I'm told once again that theres nothing that can be done to release my money, nor can they give me back the {$840.00} in fees. They agreed to refund XXXX of the fee " occurences '' and no more. I told them that I was taking my business elsewhere as soon as was feasibly possible and we hung up. 
My complaints are : 1 ) That I have to be " punished '' by the very institution that holds my money by being forced to wait an unreasonably long period of time to access available funds. 
2 ) That a financial institution went back on their word by not doing everything within their power to take care of a financially struggling customer by choosing to keep {$750.00} in fees that they could have easily relinquished. 
I feel that my bank, a bank that that states publicly that they take care of veterans and XXXX XXXX personnel, took advantage of my situation for monetary gain. And added insult to injury by not giving me access to my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a charge card with American Express that I opened in the summer of XXXX. A few months after getting the card I activated the Pay Over Time benefit which would allow me to make purchases with interest at a limit of {$1500.00}. Shortly after, I realized it made no sense to do so because I was already paying off my balance each month, so there would be no reason to accrue the extra interest so it was turned off. Several months later, as I was continuing to make my normal monthly payments I noticed that my monthly balance was coming in higher than what I was spending and realized Pay Over Time had been activated without me doing so. I assumed that this was a common complaint because shortly after I reported the issue I received a notice in the mail from American Express stating there had been an error in some accounts where this was activated without customers knowledge. 

Fast forward to XXXX and I notice once again this feature has been activated on my account without me initiating it. Well because of this, I had been paying hundreds of additional dollars per month because American Express took it upon themselves to activate the feature without telling me. I reached out several times and honestly felt offended by the idiotic answers the representatives gave " oh you don't accrue interest because you pay your balance off each month '' - that's incorrect. Remember, you now have a Pay Over Time limit of {$1500.00} that is constantly accruing interest which is now separate from your balance of charges that don't fall under pay over time and you are only paying a portion of the amount that is collecting interest.

Additionally, when I realize the issue and address this with the first representative to let them know Pay Over Time has been activated before without my knowledge, " I'm sorry to hear about this '' and not take responsibility because that is always what you are taught to do in this situation. Second representative " we are unable to see your Pay Over Time transactions that far back. '' Why is it different now? What I am now being told is they are unable to see when this has happened before and that any interest will only be charged if the account is not paid in full - but why hide the Pay Over Time balance and your regular monthly balance if this is not an attempt to deceive and charge additional interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There are four charges on my Checking account for a store that I have never been to, in a city I've never visited. These charges were made on XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX, XXXX, and XXXX for XXXX $ for a total of XXXX XXXX The store is XXXX XXXX and XXXX XXXX in XXXX, California, which again I have never visited. 

I submitted a claim with Wells Fargo and received a letter saying that they found the transaction was made by me or someone who had my permission. I called them and they said the same thing. I know for a fact that I didn't make these transactions and that someone was able to steal my information, so the fact that Wells Fargo refuses to do anything is upsetting to say the least.

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 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I checked my current credit report and noticed that I have several hard inquiries from car dealerships and numerous other businesses that I did not apply for. I went into a XXXX XXXX  to apply but have several different dealerships on my report, as well as mortgage company inquiries repeatedly from the same company when I only applied once. I have put Fraud alerts on my credit reports to prevent fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
After reviewing my credit report I notice a collection that I am not responsible for. Below is a copy of the collection on experian. I am a victim of idenity theft. 

XXXX XXXX XXXX Original creditor : XXXX XXXX 0 % of this account is paid off Balance on XXXX XXXX, XXXX {$3200.00} Original balance {$3200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments Account information disputed by consumer Statements No Statements Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2022 multiple transactions, including atm transaction were made in XXXX, FL. I live in XXXX, TX and was not in Florida at all. 
There was more than {$2600.00} withdrew from account by atm withdrawals and shopping. Wells Fargo is saying I am responsible for these charges bc a chip card was used. I have the card in person, I do not know anyone in Florida, and it wouldve been IMPOSSIBLE for me to have made the transactions. Wells Fargo is considering the claim closed without refunding us the amount fraudulently taken. Wells Fargo even asked us to file a police report if its fraudulent, which we have done.

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 2022-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
****NEW AND UPDATED INFORMATION REF XXXX The company has admitted to being willfully noncompliant to the FDCPA and Truth In Lending. I will be addressing multiple violations within the contract and response provided by Credit Acceptance. First, FEDERAL law says you have to RESPOND to my debt validation letter as well as my cease and desist, in which you have failed to do and you are showing that you are willfully being noncompliant with FEDERAL law. Second, Credit Acceptance is a debt collector as defined by the FDCPA, you sent monthly statements to my email implying that I owed a debt.. which is the definition of what a debt collector ; please reread the law. Third, 15 USC 1635 says that the consumer has the right to rescind a transaction in regards to ANY consumer credit transaction. You FAILED to provide me with my right to rescind pursuant to the Truth In Lending Act which constitutes fraud. You have also failed to disclose that pursuant to 15 USC 1605, my insurance could've been included in my finance charge.

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 2022-05-17 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until Mar 2023 XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XXXX XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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