vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I was involved in a XXXX scam in where a criminal posted a AD for concert tickets on XX/XX/XXXX going by the name of XXXX XXXX. The criminals phone number in the AD was : XXXX. To exercise caution I called the phone number on the AD and requested that the seller meet me in person to exchange the tickets for the funds. The seller said that there was no way they could meet due to not having an available vehicle and mentioned they could send e-tickets instantly to me if i could send payment ( {$200.00} ) through XXXX to pay for all three concert tickets that I wanted to purchase for a concert on XX/XX/XXXX. I was speaking with them on the phone about the transaction and they said if I could send 1/2 the payment for safety first they would send two of the tickets and i could send the rest of the payment and they would send the remaining ticket. I sent the money ( {$100.00} ) through XXXX ( via Wells Fargo bank ) live with them on the phone and when they received it they said they were going to send the tickets and then hung up on me. To give them the benefit of the doubt I thought the phone disconnected but when I called back over times times they never picked up. This is the book definition of digital theft/wire fraud and they perpetrator and in any nationwide justice system the criminal would do jail time if persecuted. I received a message from the scammer a day filled with curse words and they said they did not know what I was referring to. This is a case of complete wire fraud, criminal theft and unethical behavior in the utmost manner. 

I opened a fraud case with the Wells Fargo XXXX Banking department on XX/XX/XXXX and I just found out today ( after contacting wells fargo ) on XXXX that they absolutely refuse to pursue the matter and contact the bank in where the criminal received the money or give me absolutely anything back. 

Specifically, I spoke with a manager in the Wells Fargo XXXX Banking department about the matter and they were extremely rude and short with me and very rudely said that they can not do anything about this matter and I am on my own and that I should have been more smart not to send this money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and 60 days late in both XX/XX/XXXX and XX/XX/XXXX. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX and XX/XX/XXXX, 60 days late in XXXX and XX/XX/XXXX and 90 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NC

Complaint narrative:
I bought 3x {$100.00} master gift card issued by US bank on XX/XX/XXXX. When I tried to use those gift cards in XXXX, I found that the balances of all of them are {$0.00}. There were unauthorized charges on the cards. I contacted the customer services based on the phone number on the back of the cards. They asked me to fax the front/back of the gift cards, receipts buying the gift cards and my driver 's license to them for lost/stolen replacement card request. I faxed all the documents on XX/XX/XXXX and called them many times since then. I was able to get one of the master gift card replaced in XX/XX/XXXX. But for the other 2 gift cards, they said that the information has been forwarded to US bank and asked me to wait. The last time when I called them in XX/XX/XXXX, they told me that a different company/organization is handling the issue.It has been almost 2 years and I haven't gotten my {$200.00} ( 2x {$100.00} master gift card ) back. I still keep all the documents. Can you please help to get my money back? Thanks a lot!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AE

Complaint narrative:
Medical bill paid on XX/XX/XXXX, {$240.00} dollars owed to XXXX XXXX, XXXX and XXXX XXXX, XXXX, OK XXXX, USA. Debt was incurred out of Medical Services provided on XXXX XX/XX/XXXX and insurance company refused to pay it since they said I had moved from Oklahoma to XXXX and insurance did not cover overseas medical insurance charges. XXXX XXXX failed to notify me to my email address since they had the wrong email address and since I had moved overseas, address and all had changed. I did not get any notification of this debt until XX/XX/XXXX and I went ahead and paid it off by phone with my Credit Card -- NO ISSUES. 

But, XXXX still went ahead and reported me to a Debt Collection Agency : TRANS WORLD SYSTES, debt collection agency. THEY have been harassment me daily, calling my overseas telephone number non-stop using a ROBOT-CALLING system daily phone calls that are mid-night here in XXXX due to XXXX hours TIME DIFFERENCES. 
Number they call me from : XXXX, I have contacted their representatives time and time again without much success. They always assure me that it will STOP it never does. POC that  company is XXXX XXXX XXXX XXXX ... .it is totally inappropriate to be continued harassment me like that even though I already paid of the DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: United PanAm Financial Corp.
State: PA

Complaint narrative:
I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX UNITED AUTO CREDIT CO XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD

Complaint narrative:
Account were paid up to date and the account still shows negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I did agree to set up a payment plan or settlement but the person told me I had to pay the full amount at that time or wait til I receive the letter in the mail to go to court. He told me that I would have to pay it all at once when I try to settle it. Debt owed {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DE

Complaint narrative:
I have a personal loan account with OneMain Financial Co. I had an automatic draft on my bank account for {$220.00}. due on XX/XX/XXXX. On XX/XX/XXXX, I called the branch manager to move the date to XX/XX/XXXX, since I receive XXXX on the XX/XX/XXXX Wednesday of month. The branch manager billed me that day XX/XX/XXXX, which over drafted my account and caused a domino effect of over draft charges. On XX/XX/XXXX, I made an office visit to address my issues on my account. The company gave me a {$36.00}. refund check for the over draft fee and meanwhile offered me additional money. I accepted an additional {$1500.00}. loan to address additional over draft charges that I might occur. I was told that they would refund my {$220.00}, and I wouldn't have to make a payment until XX/XX/XXXX, the new amount would be {$240.00}. mo.. I asked for my pay dates to occur on the XX/XX/XXXX Wednesday of the month ; I was charged {$34.00}. extra for the first payment {$270.00}. due on XX/XX/XXXX, which I paid {$270.00}, on XX/XX/XXXX. Over a week later, I received a {$220.00} refund check. On XXXX XXXX, I received a statement for {$500.00}, due on XX/XX/XXXX. stating that I was in the arrears and they wanted the {$220.00}. returned. Also, with them giving a check for {$36.00}. over draft because of their mistake ; they charged me {$34.00}. for an additional 10 days ; so they only refunded to {$2.00} for over draft. I received several phone calls demanding return of the {$220.00} ; and there was no 10 day grace period allowed for the initial payment. I am current on my {$240.00}. payments and do not feel that I should return the {$220.00}. when it was not even due until XX/XX/XXXX. The company made a mistake in their transactions and they want to hold me liable for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: CT

Complaint narrative:
I was notified of a negative item on my credit report. I inquired to learn I have an account that is four years old in collections and my score dropped substantially. The original creditor they gave me is no longer in business. I repeatedly tried contacting them. I had health insurance as of the date of service in question. They told me to provide them proof of benefits which I did. They will not remove from my credit report unless the account is paid. Basically they agreed to delete item completely from my credit if I pay them XXXX dollars. I was not aware of this bill nor do I owe it. They admitted the bill was sent to wrong address. I need this removed from my credit asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft, and have notified the owner of the fraudulent loans, Sallie Mae, regarding the fraud but have not received any response. I am providing a copy of the most recent fraud report sent to Sallie Mae that I have not received any response to, and will provide a summary of my dispute below.

The following Sallie Mae loan account numbers have been obtained in my name without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX On XX/XX/2017, I receive a phone call regarding the above-referenced loans and was told that I needed to pay a large sum of money immediately for a loan that I supposedly co-signed for or I would be sued and taken to court. I said that I have never signed or agreed to any such loan. I immediately obtained the number for the fraud department and called. I have been attempting, since receiving notice that there was fraudulent loans in my name, to alert Sallie Mae and remove the loans from my name and off of my credit report, but no action has been taken by Sallie Mae, and I have never received any responsive communications addressing the loans or  what steps they were taking to investigate my situation. 

As stated in my attached identity theft affidavit, I have not opened any student loans or co-signed on any student loans with Sallie Mae. The accounts cited above are harming my credit, have caused harassing phone calls, and have harmed my financial situation and my quality of life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE

Complaint narrative:
I am a XXXX yr old female in XXXX, Nebraska going through a divorce and opened an account in matrimonial site XXXX. A person named XXXX XXXX XXXX contacted on website and later texted on XXXX. His phone number is XXXX XXXX XXXX. He said he is an architect, widowed and has a son in XXXX. His son also contacted me from phone number XXXX XXXX XXXX saying his Dad asked him to connect with me. After few days he said he is going to XXXX for an ongoing construction project where he is getting millions of dollars back. From there he said he needs money because he got stuck with the materials at port need to be shipped and company is not sanctioning money at this stage because the project is not completed. He begged for help and asked for a temporary loan to wire transfer to his friend in Florida XXXX XXXX on his Fifth Third bank account number XXXX in Ohio. I did send wire transfer from my bank XXXX XXXX XXXX XXXX XXXX {$50000.00} on XX/XX/XXXX. After that he kept asking more and more facing more issues and I sent several other transactions from my XXXX XXXX XXXX total of {$71000.00} wire, plus {$3000.00} by XXXX XXXX Tracking Number XXXX XXXX XXXX on XX/XX/XXXX and {$1000.00} XXXX XXXX cards for his son.Total money lost is {$120000.00}. On XXXX, he was planning to be back and return money, he did not show up. I suspected fraud and informed my banks and police. His friend XXXX whose number is XXXX contacted and said that he is sick and admitted in a hospital in XXXX asking for more money for his hospital bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I called today XX/XX/19 to ask if they could take off the debt since I paid it and they told me to write a letter or despite it on here and they will review it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed several complaints & disputes regarding a fraudulent, deceiving scam online. I thought I was purchasing certain items, which was not AT ALL what I was sent, the site was removed shortly after making my purchase & there was no phone number or anyone to contact. Therefore, I reached out to my bank and filed a thorough dispute, I included the images of what was sent, what the site showed that I was buying and all the details. My bank has said that I have not sent enough information to support my dispute- but I was never told what more they needed. When I last called to check on my most recent appeal regarding the dispute outcome, I was told by the representative that he wanted to help me, but could not figure out why it was denied and he suggested I contact the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: LA

Complaint narrative:
I was involved in a abusive on and off relationship and I walked away for good, from this relationship, years ago. And every time I would leave this person would offer money and credit cards to come back. I didn't accept them and now I find two Authorize user credit cards showing on my credit report, as bad charged off debt. I have never applied for in person, over the phone, online nor have I signed for these accounts or given permission to the these companies to have my personal information. 

I never received a credit in my name nor have I ever used a credit card from these two companies. Any debt that was acquired on these accounts have no bearing on me, as I have no knowledge of them and didn't request them or use them. There is no documentation or verbal consent from me binding me to these debt and they should have my personal information, as I never provided it to them! 

The accounts are as follows : XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$3500.00} ( authorized user account ) XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 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: FL

Complaint narrative:
i checked my credit report and noticed that XXXX  XXXX was reported as closed. My account is still open and in good standing. Why is it reporting closed? I have tried to submit a dispute with XXXX, XXXX  and Transition to get the account status updated to Open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i checked my credit report and noticed that XXXX  XXXX was reported as closed. My account is still open and in good standing. Why is it reporting closed? I have tried to submit a dispute with XXXX Equifax and XXXX to get the account status updated to Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
First of all, Citi allowed online application to open the account without any notification about XXXX. Next, tax is deducted on savings interest and does not notify why interest is deducted without notifying even then that XXXX is not available. Only after I reach out multiple times, I am told XXXX is not on file and hence tax is deducted. Then I get a mailing address to send XXXX via US mail. When I followup a week after mailing because the tax is deducted even for the second month, I am told the address I mailed is incorrect because I was given incorrect mailing address. What is so bad is XXXX has complete information that includes full name, address and SSN. Now Citi is asking me to send the XXXX again to another address stating that is correct address. I can not XXXXmagine how bad this is because someone now has my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/19 Capital One took a double payment for the statement balance on my account in the amount of {$4800.00}. I called in to ask the bank to reverse one of the two payments and they refused. I requested a supervisor and spoke with XXXX, operator # XXXX supervisor at Capital One bank, I then asked about getting a ACH sent back for one of the two double payments and they said they needed to call my bank. I allowed that in a conference call and my bank confirmed that a double payment had gone through. Capital One then told me they were going to make me wait 3 weeks for the refund to be processed. This is entirely unacceptable to refuse to reverse a payment and hold my funds hostage for 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I applied for a credit card with Wells Fargo to transfer my entire XXXX credit card balance. Wells Fargo approved only {$2500.00}. They didn't tell me this until already proceeding with the smaller, less than intended, balance transfer of {$2100.00} + {$63.00} in fees. I contacted XXXX to cancel this payment and they sent it back to Wells Fargo. However Wells Fargo has not given me credit back for this cancelled Balance Transfer and now is charging me fees for missed payments. I'd like them to refund this cancelled balance transfer and refund all fees. I've chatted with them online. They asked me to call. I've called and been disconnected by the representative when they didn't seem to understand why/how to dispute a cancelled Balance Transfer.

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