vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-19 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: MI

Complaint narrative:
On my credit report under hard inquiries, it shows XXXX  ( XXXX XXXX XXXX card ) as of XX/XX/2020.This was suppose to be a soft inquiry and it is under soft inquiry as well.This XXXX should be a soft inquiry

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 2020-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018, Bank of America closed my checking account without my knowledge. Also, BofA cleared my account for {$200.00} and supposedly sent this check to me which I never received. Prior to the closing of my account, I had 2 pending charges via debit card totaling {$210.00} which posted the day after BoA closed my account. This action by BofA caused me to be overdrawn by {$210.00}. Because my account was abruptly closed and because of BofA 's negligence by not taking the time to look at the pending transactions from my account, BofA caused my account to be overdrawn on top of inaccurately reporting this to both XXXX  and XXXX XXXX XXXX. BofA is claiming I owe them {$210.00} which in fact they owe me {$200.00} for the money that was in my account prior to closing. I have spoke w/ BofA about this issue and requested they look into the check they claim they mailed to me. BofA did confirm the check that was issued to me in the amount of {$200.00} was never cashed. I also explained to customer service rep that because of the nature of the situation, BofA is inaccurately reporting me to XXXX  and XXXX XXXX XXXX  and requested that the inaccurate information be removed from both reports. BofA said they is nothing they can do about clearing the balance that I owe them or clearing XXXX  or XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: World Acceptance Corporation
State: SC

Complaint narrative:
I have a debt collection from a company that open a account in XX/XX/XXXX. This company XXXX XXXX, has never showed up on my credit report until now because the company was sold to World Finance has bought XXXX XXXX out. I have no reconciliation of this company or the account and now its showing as a charge off on my credit reporting XX/XX/XXXX. It has ever shown on my credit. I reached out to the new company and they told me that they only got the information that the company sent them. How can I remove this from my credit as I have disputed it with XXXX  twice?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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 — Problem with personal statement of dispute
Company: Conn's, Inc.
State: AZ

Complaint narrative:
XXXX  shows that Conns home plus is paid off in full On my credit report which it is and Conns will not close the account. I have continuous issues with Conns snd I refuse to pay them anymore this account is paid in full! Attached are photos of my credit report that was previously sent to Conns also showing paid off. They need to close this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
This debt collection reported a debt for {$1400.00}. I disputed the debt in XX/XX/XXXX and it was found to be accurate, with no proof. The company then changed the account open date to XX/XX/XXXX. This is completely fabricated. They have refused to respond to my attempts to get proof of this debt, including the date. This company changes the open dates on accounts to keep them from reaching the 7 years. My credit score dropped XXXX points in one day when they falsely changed the open date to be more recent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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:
I have reached out to the bureaus, especially Experian and they have tried to use stall tactics to avoid blocking fraudulent information. They continue to violate federal law under Title 15 USC ( see attached documentation ) and report both fraudulent and inaccurate information. 

XXXX  and XXXX  have not replied to me as of yet however, the fact remains that each of these credit bureaus knowingly publish consumer reports without ever have permission from the consumer which is an infringement upon a consumer 's right to privacy and the fact that they knowingly publish information without consent and then share this information, often times inaccurate, is willful non-compliance and violation of federal laws under Title 15 USC, Chapter 41. Multiple violations.

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 2020-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a call from XXXX  XXXX  credit service asking if I opened a capital one credit card i said no at that point we got in contact with a capitol one representative XXXX XXXX XXXX ) he said he would close the application and report the incident to the federal trade commission.this was done on Wed XX/XX/2020 XXXX told me this was done out of my state.he also said it was done on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint about Chime about unfair judgement. 

I sold something online for someone by name XXXX XXXX and she paid me using her chime card and I shipped the products to her. She later filled a dispute with Chime lying that the transactions were unathorised and now chime is trying to take the funds back. 

I use XXXX to process my payment and I got a notification that a customer has opened a dispute and stated unathorised transactions. 

When XXXX XXXX contacted me and made the payment, I asked her if she was the one who owns the card she used and she said yes, then I asked her if she could provide any evidence to proof her identity and she said yes. 

She provided her drivers license front and back for documentation, and she also sent a selfie holding her drivers license, she also sent her Car Insurance Bill as a proof of address and she told me the payment will come from her chime card and she assured me that she will not dispute the transactions. 

She also wrote her SSN to proof that she was the one made the payments. 

But she lies to her bank that she didn't make the payment claiming it was unathorised so she can get the funds back. 

I already shipped the item to her and now I do not want to lose the money and my products. 

I have attached a screenshot of our conversation including all the documents she sent to me for evidences and documentation. 

She signed a contract assuring me that she will not dispute the transaction in the future and she assured me that her bank will not dispute the transactions in the future too. 

I need chime to know that she made the payments. 

I have sent an email to chime to explain the situation but no one is responding

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: TX

Complaint narrative:
I have reached out to the bureaus, especially XXXX  and they have tried to use stall tactics to avoid blocking fraudulent information. They continue to violate federal law under Title 15 USC ( see attached documentation ) and report both fraudulent and inaccurate information. 

Equifax and XXXX  have not replied to me as of yet however, the fact remains that each of these credit bureaus knowingly publish consumer reports without ever have permission from the consumer which is an infringement upon a consumer 's right to privacy and the fact that they knowingly publish information without consent and then share this information, often times inaccurate, is willful non-compliance and violation of federal laws under Title 15 USC, Chapter 41. Multiple violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a Capital One credit card and when my bill is do on the date the interest is included in the payment and is paid with a additional payment that is the be applied to my balance to reduce my principal balance. Instead the princial balance is being taken and its like identity theft and my available credit disapears which the interest is being double charge on my account and the available credit is being stolen from my account on the next day after the payment has been applied. 

I have contacted the creditor to inform them the payment for the monthly is not being applied towards principal to allow my to used my available credit and asked them to change the bill due date. 

Never happen and my payments are not being credited to reduce principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
For years I have complained to Zions Bank in Utah / dba Vectra Bank in Colorado about how there statements do not accurately reflect payment activity and how interest is calculated. In XXXX I sold the property that the HELOC was secured by. Upon presenting my final statement I called and wrote that I felt the payoff amount was incorrect and that I would like to see a manual calculation showing the interest acrured, payments and dates and balances through the last period when the loan had a balance. The bank refused to provide ths information and simply stood by their assertion that the loan balance was correct. 
To bank on XX/XX/XXXX XXXX Under ticket no XXXX  XXXX I have requested the following from Zion / Vectra Bank. 
An accounting of my account in the following manner. 
Date of last loan advance which was the 2.99 % promotional under XXXX : I have XX/XX/XXXX Please confirm Amount of loan advance I have {$110000.00} Please confirm Amount of interest/finance charges that accrued until payment on XX/XX/XXXX New balance after paying interest charges Amount of interest/finance charges that accrued until next payment, amount & date New balance on that date, And to continue this process until final payoff. 
My last statement dated XX/XX/XXXX showed I had an overpayment of {$52.00} which you have sent me a check for. 
My calculations show I have overpaid you by {$360.00} I would like to have you do the calculations in the manner explained above to prove that the {$52.00} is a correct amount. 

The bank replied with the following on XX/XX/XXXX " Nothing in our review indicates you are owed a refund in a different amount '' I feel that the request I made was normal and reasonable and feel they should not be allowed to behave in the manner they did.

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 2020-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a claim with Wells Fargo about SEVERAL FRAUD charges i told them I did not use that specific company which was XXXX XXXX but I have used my XXXX  for a few other apps. When I found out my claim was denied i was furious I later talked to several people and got the same answer denied and nothing they can do. Then someone there say oh my funds will be credited back to my acct but that was a lie another executive named XXXX said that on XXXX XX/XX/XXXX when we spoke he saw the error that wells fargo made and i should have been credited because it was the error of an employee who entered in my claim wrong. They are still saying its closed my case manager XXXX who is reopening just got bavk to me yesturday friday XX/XX/XXXX I was told not by her but XXXX that i would have a credit in my acct by friday XX/XX/XXXX and we'll that's a lie too wells fargo is a terrible company I'm absolutely appalled at the customer service i have received what happen to 0 liability well that's a hoax if i have ever heard of one please help me recover my {$2600.00} please i will no longer do business with wells fargo or any bank in that matter

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 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: MN

Complaint narrative:
Hello. I hope you can help me! In XXXX, XXXX, I contracted with Gitmeid XXXX to help me restructure and pay off debts. At this time we had accumulated lots of medical debt, and my husband had lost his job and had to retrain for a new career. We were desperate and under the impression that filing bankruptcy would keep my husband from getting a job in the new field he had just trained in ( also the reason this debt restructuring was done in my name only ).

Gitmeid XXXX has collected {$810.00} per month and that money has gone into an account which they use to pay off creditors XXXX of course they keep fees too ). Two of the three debts I enrolled were negotiated and paid off by Gitmeid XXXX - but I am having trouble with the last amount of debt. 

My account at Gitmeid XXXX has {$8800.00} in it, and my last debt is in the amount of {$23000.00}. Gitmeid XXXX is pressuring me by repeatedly asking me to pay another {$790.00} per month, through XX/XX/XXXX. If I do this, I will have paid {$23000.00} to settle a debt of {$23000.00}. I realize they need to make a profit, but this seems much too high. I have asked them to get me a better deal but they keep telling me this is the best they can do. 

My contract ( with Gitmeid ) says I can cancel at any time, however, my research indicates they will keep the {$8800.00} that is in my account - and ( probably ) keep taking money out of my checking account each month ( unless I close it ).

Gitmeid XXXX claims they are offering to settle my debt for {$14000.00} - but they are not taking into account all the money already paid by me that is in their account for me ( {$8800.00} ). In order for this to be true, I would only need to pay another {$5400.00} ( not an additional {$14000.00} ) Can you help me get Gitmeid to try and settle after maybe another 6 months of payments? These payments have kept my family broke ( my husband is out of work right now and I am XXXX ). I paid a larger amount this month ( {$3000.00} ) because Gitmeid had told me that - if I made a larger payment - my debt would be settled sooner. 

Please let me know if I have any options to get out from under this. 

Thank you for your help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19 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: Synovus Bank
State: NM

Complaint narrative:
I applied for a secured cc from first progress. I filled out their application, and made a deposit of {$450.00}. Soon after I received the card, I lost it. Immediately, I called first progress and reported it. During the conversation with their representative, I was asked which transactions were mine. Was told that the card and account was cancelled, and a new card should arrive within 13 business days, this was on the XXXX of XXXX. On the XXXX of XXXX, I called first progress back, I inquired as to when my new card was supposed to arrive, and when my payment was due and the amount ( it was on the XXXX ). To which I was informed, that yes the card/account was cancelled, however the order for a new card was never placed! And as far as the due date, well since the account was closed, they couldn't accept a payment, until I received the new card, and activated it, and the date should then be rolled over until the XXXX of XX/XX/XXXX. Again I was told a new card was ordered, and would arrive within 13 days. XX/XX/XXXX, the new card arrived, which I promptly activated without any issues. This morning XX/XX/XXXX, when attempting to use the new card to purchase coffee, it was declined! I pulled up my account, which showed I had {$85.00} credit available, and a late fee! I was upset that I was charged a late fee, as well as interest, for not making a payment on the XXXX of XXXX, the payment I was told I couldn't make due to the account being closed. I called the number that they claim is customer service. The first person listened, and replied there is nothing they can do about the charges, and I need to make a payment to reactivate the card. Unsatisfied I requested to speak to a supervisor. After 3 minutes on hold another person answered to state she'll be right back and again I was placed on hold. 38 minutes later, an apology was issued for the long wait, and again was told nothing can be done, I asked for her name, and her supervisor. She refused to identify herself and after another long wait on hold, the highest person with the ability to speak, a person claiming to be " XXXX '' employee ID # XXXX, said he could waive the late fee, but wouldn't waive the interest, was not apologetic about the rudeness of his staff, and couldn't turn the card on until a payment, which mind you, wasn't supposed to be due until XX/XX/XXXX, was made. " XXXX '' refused to give any contact information of his superiors. At this I had had enough, and requested the account closed and a refund of the remainder balance. The refund, I am told will take up to 75 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I sent payment of {$370.00} on XXXX XXXX for an item. I never received item. XXXX could not help because I sent it PayPal. I put claim in with PayPal and they said the seller told them it was delivered. I have tried numerous times to talk to PayPal because I need info of where it was sent, when it was delivered so I can put in a claim with XXXX or XXXX. The seller has loses his account with XXXX and change his email. I believe it was never sent but somehow they got away with saying it was delivered even though when I checked tracking it haven cancelled. I want my money returned by seller or if it was delivered it was stolen and I cant find out anything to put on claim. 
Order number XXXX XXXX XXXX tracking XXXX. 
Its frustrating I can not reach a person on PayPal. I tried everything. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX Seller was XXXX XXXX on XXXX. Closed his account. 
Ordered XXXX XXXX, XXXX sent to XXXX  XX/XX/XXXX and from there nothing. 
My email is XXXX. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2020 my husband made a cash deposit to our joint account at a Huntington branch atm. The atm took the cash and did not deposit funds stating an error occurred. He called customer service and made a claim and they deposited the {$500.00} cash. Now a month later, XX/XX/2020, the funds were reversed and they adjustment my account and took back the {$500.00}. Please help me get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-19 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I noticed that my monthly credit card statements from Chase Bank still print my full credit card number where as all other banks and businesses only print the last four or five digits to prevent identity fraud as required by the " Fair and Accurate Credit Transactions Act ''. 

I talked to Chase customer service, they told me they can not do anything because it has been Chase policy and assured me that my accounts are safe. 

I checked my statements from other banks. They truncate the number to last four or five digits. 

Please have Chase senior management revisit their policy because their practice goes against the spirit of the Fair and Accurate Credit Transactions Act and unnecessarily opens me up to Identity fraud. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Bank, on the Best Buy credit card, has signed me up for " Debt Protection '' without my knowledge. 

In XXXX, this has cost me {$820.00} In XXXX, this has cost me {$320.00} In XXXX, this has cost me {$700.00} A total of {$1800.00} over three years, perhaps more, as their statements do not go back any further. I have, under NO circumstances, signed up for this protection. This is a scam and I want my money back. These fees are there to siphon money off of " 0 % interest offers '' and are based on the rotating balance on the card.

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