vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-11 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: FL

Complaint narrative:
My wallet was lost/stolen on XX/XX/2020. I did not realize it until late XX/XX/2020. XX/XX/XXXX I made arrangements with my employer to travel to Florida to get my social security, drivers license, and new debit card. I reported it to Wells Fargo on Friday XX/XX/XXXX. On Sat XX/XX/XXXX I was called by Wells Fargo that I was in overdraft on my account. I was then informed that someone had cashed 6 checks of {$950.00} each ( {$5700.00} ) under my name and had been returned unable to locate/ altered fictitious. ( Cashing 6 checks would trigger a red flag. ) Therefore my bank withdrew {$5700.00} from my account. I filed police report on XX/XX/2020. Wells Fargo initiated their investigation and I was informed today that they closed the investigation and found " it was made by you or someone who had your permission ''. My wallet was taken that had ALL my identifications. The checks were cashed in XXXX XXXX while I was at work in XXXX, South Carolina.

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 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: NE

Complaint narrative:
On XX/XX/XXXX, I was assessed an overdraft fee after transferring from one account to the other, to avoid the fee. After completing the transfer in line with the banks funds availability policy they have continued to assess a fee, even though the negative balance was below the threshold described within their policies. I tried talking to both the assistant branch manager at the XXXX XXXX branch in XXXX, who assured me that he would email me, yet I have heard no response. When reaching out to another branch, the manager simply stated he would look into it. After that I proceeded to call into the customer service line, I proceeded to get hung up on four times. After finally getting through I got an incredibly dismissive tier two rep who proceeded to incorrectly stated that another fee was due to merchant error when it was in fact an error with their transaction processing system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
MY CITIBANK CHECKING & SAVINGS ACCOUNT WAS CLOSED FOR UNKNOWN REASON ON XX/XX/2020. THEY ARE HOLDING OVER {$1300.00} OF MINE. THEY SAID I HAVE TO WAIT UNTIL INVESTIGATION IS OVER WHICH CAN TAKE UP TO 60 DAYS AND I NEED MY MONEY ITS COVID19. THEY EVEN SAID I CANT RETRIEVE IT FROM A BRANCH WHICH I NEVER HEARD OF SUCH POLICY BEFORE. AND I HAD NO FRAUD ACTIVITY GOING WHATSOVER. MY SBA LOAN FUNDS WERE ALSO SENT AND IS JUST SITTING THERE. PLEASE HELP

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 2020-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I applied for a loan here in XX/XX/XXXX for around 700. I always wanted to pay it back when I got the money but I can never find their website and they never send me any mail I know it use to be called money lion a while back that's what it was when I got the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rhodes, Kelly Assoc Inc
State: NC

Complaint narrative:
Rhodes Kelly is reporting a collection account in the amount of {$98.00} that should have been turned into XXXX XXXX and XXXX.XXXX  XXXX XXXX XXXX XXXX should have turned in to BOTH for payment and failed to do so.i have had XXXX sinceXX/XX/XXXX.i am sending copies of my insurance cards

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 2020-07-11 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: TX

Complaint narrative:
FTC Violations XXXX XXXX XXXX XXXX  {$2700.00} XXXX - XXXX XXXX {$5700.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX   {$940.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-07-11 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:
FTC Violations XXXX XXXX XXXX XXXX {$2700.00} XXXX - XXXX XXXX {$5700.00} XXXX  XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX   {$940.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a XXXX  currently working in California on a travel covid assignment after having a new card sent to me because I reported a charge I didnt make chase sent my new card to the hotel I am currently staying at ... about a week later a spoke with a chase employee over the phone because my card was being declined she said it was locked due to suspicious activity I informed her that I have the card in my possession told her I live in New York but was in California working she then unlocked my card ... a week later I tried to log into my app and found out it was locked called chase and was informed it was restricted went to a branch here in California was informed they couldnt help me because my ID is expired it expired XX/XX/XXXXdue to covid was unable to go to DMV ... govern our XXXX extend our ID.. but was told nothing they could do so Im in California with no money but have to go back to New York to prove who I am ... ridiculous I do not feel like a valued customer XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2020-07-11 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2020-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
The issue is with Kia Finance. Due to the pandemic, I was unable to pay my installments due on XX/XX/XXXX and XX/XX/XXXX. I contacted Kia Finance starting XX/XX/XXXX to request the payment to be deferred and they said they would be deferring my payment to the end of my loan. When I called on XX/XX/XXXX to do the same, they said that my prior payment, which was supposed to be deferred was extended so I needed to call again to request my XX/XX/XXXX payment to be deferred too. After that, I have called and spoke to the customer services agents multiple times ( I am not exaggerating when I say I called more than 20 times ) At the end of every phone call they agents would say that my payments were being deferred without penalties to the end of my loan. I was able to restart making my payments on XX/XX/XXXX so I paid XX/XX/XXXX installment online, as before the pandemic, counting that my other two payments were deferred. My online account didn't say anything about my account being past due. On XX/XX/XXXX Kia Finance called saying that I was late 2 months and I had to make a payment of a XXXX and dollars and something else, and that is not counting the upcoming installment that is due. After more than an hour phone call, they said that now I only need to pay XXXX, that includes XXXX late fees and if I wanted I could call another phone number and ask for assistance at a different department. They expect me to pay this month {$1000.00} to have my account current which include XX/XX/XXXX installment ( XXXX ) that I have scheduled to pay on XX/XX/XXXX and XXXX for a prior LATE payment with LATE PENALTIES, which should have been deferred to the end of my loan without penalties. I called the number provided ( XXXX ) multiple times since XX/XX/XXXX and no one answers, they computer answered and put me on hold for 45 minutes before getting disconnected. 

Today, XX/XX/2020, I spoke over the phone with XXXX ( ID XXXX ) she said that my XX/XX/XXXXpayment was applied to a prior installment, one of the ones I requested and they agreed to be deferred, therefore I am late and I need to pay late fees. After 2:06 hours on the phone she said that she would send a request to have someone else calling me next week.I have heard this before and they NEVER call me back. 


So at this point, I need them to fix my account. I should have those XX/XX/XXXX and XX/XX/XXXX payments deferred WITHOUT LATE FEES to the end of my loan. And if I need to make any payment now, I will find the funds to pay for it WITHOUT LATE FEES. It is not right they are profiting for mistakes they made.

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 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
They havent giving me my money I donated to XXXX XXXX hes a XXXX and XXXX giving organization. I gave a XXXX of my stimulus check and he has others give to me. They did. I dont know why or where the money came from I have his number XXXX XXXX XXXX XXXX XXXX but 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 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I want a third party to have access to my pnc checking account for the purpose of saving extra money. PNC has blocked access even when I enter my username and password.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
On XX/XX/2020 I contacted the capital accounts llc company as it Related to negative Mark on my XXXX profile. Spoke to representative who advised me of balance and once paid, that on XX/XX/2020, it will be removed from its repository deleting it from my XXXX account. The debt amount of {$350.00} was paid in full. The representative was advised to send letter on company letter head as well. The negative entry still reflects on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was buy some medical in an pharmacy named " XXXX XXXX '' with my BOA credit card in XX/XX/2020, but I was charged twice! I submit an ticket to dispute the charge but danaid by BOA. I should only be charged {$160.00}, but I charge twice!

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 2020-07-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In answer to my previous complaint ( Complaint Number XXXX ), Chase has not followed through in resolving the remaining amount of {$2100.00}, taken from my account. Chase answered my complaint by " approving my claim '' for {$6.00} and stating that they would file a " Late Return '' to attempt to recover the funds from the merchant ( XXXX ). 
I have received and returned two forms from Chase Risk Operations that appeared to be validation that I did not have any part in this fraudulent activity and it stated that I would be notified of the results of their research in this matter. These forms were returned to them on XX/XX/XXXX and XX/XX/XXXX of 2020. After not hearing anything after returning those forms, I contacted Chase and no one in either their Deposit Risk Operations or corporate office has any information except to say that my claim has been marked as closed. Chase has apparently dropped the ball on their attempt to recover my funds. I am still struggling to recapture money which has been stolen from my account while under possession of Chase Bank. Chase is responsible for the safe keeping of accounts held by them. My account needs to be made whole for the money stolen from my account while under Chase Bank 's possession ( balance to be recovered is {$2100.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Back in XX/XX/2020 i field a dispute for {$860.00} with the card issuer They never responded to my dispute, so when the next statement arrived i contacted them again they took the dispute and never notified me that they were unable to recover the charge. So i filed another dispute in XX/XX/2020 i received my statement and filed yet another dispute because of the cover they never responded so in XXXX again i refueled it. they removed the charge and never received the outcome Now as today XX/XX/2020 my statement came and the charge was put back on my statement. i spoke to them and they said that they were still working on the dispute so i asked them if its in dispute why has the XXXX on my statement it should be removed but they insisted that i must pay the balance with my disputed amount I thought that i can be billed for the disputed amount until its resolved Also my last 3 payments to them were never received and they have added XXXX X 3 on my bill.

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 2020-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is regarding a Citi card. I purchased an airline service and made the payment on the due date. I got another statement with a new balance. I called the customer service on XX/XX/2020, regarding my statement and I was told that I have a balance which is regarding the membership fees of the credit card. I spoke to the customer service and paid the fee {$99.00} on XX/XX/XXXX. I was told that there was a late fee but they will remove after I requested. Therefore, I was getting 1-800 calls regarding my due balances. I kept telling them that I made my full payment and I was promised to remove the late fees. The credit card company keeps adding a {$27.00} late fee every month and harassing me to report for debt collection. I sent my written appeal with a detail via a certified mail in XXXX. I explain to them and there is no response. I need help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been having trouble getting an account reported correctly. I disputed the account and each time the investigation says that the item is correct but the amounts owed are changing by {$1.00} every day for the past few days until finally, it has dropped my score by 8 pts. It was updated on XX/XX/XXXX, which dropped my score 8 pts, then updated twice on XX/XX/XXXX, which didn't change my score but dropped the balance owed by {$1.00} and then again today ( XX/XX/XXXX ) it was updated and dropped my score another 8 pts. All of these actions were taken on my Equifax report. This account I disputed was on a secured card. I paid {$3000.00} down on this card. My balance shows {$2800.00}, but they are stating they charged off {$120.00}, which they didn't. The account was closed because I lost my job and couldn't pay and the balance due was under my credit limit at the time. I closed the account myself and the credit card company is reporting that they closed it on me. Not true. Plus I do not owe money to these people. They have yet to send me proof that I have asked for to validate the debt. I have disputed it several times. I want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
For over a year, I have disputed Accounts being reported for over 7 years, duplications, etc.. and cited the seven year reporting law. It not only continues, but XXXX  verifies account. CLOSED STATUS AND DATES ARE IGNORED.. 
Some of these accounts were closed by me, have a XXXX  balance, never late, and these accounts continue to appear, and the duration stated that they will continue to appear, are years into the future. 
1. XXXX XXXX Opened:XXXX, closed by me, with a XXXX  balance XX/XX/XXXX. Eight years since I closed it.

2. Neiman Marcus/capital one Closed by me, in XXXX, 9 years ago, with XXXX balance. 
3. The same situation for Saks Fifth Avenue/Capital One XXXX. 
4. XXXX XXXX XXXX, paid as agreed, closed seven years ago. 
5. Lord and Taylor, opened and never used. Forgot I had it. Closed account due to inactivity. 
6.Capital One Over 7 years. Closed and paid in full. 
. 
THIS ACCT NO. APPEARS TWICE on some reports. 
7. Capital one Charged off, written off and now reports past due. Seven year deadline has past on this Account.

8. XXXX XXXX : Cllosed. 
Opened in XXXX. Exceeds seven years. Wrote off, charged off and sold to XXXX XXXX. Both XXXX XXXX and XXXX XXXX appear on report, in two separate sections for same account. XXXX XXXX, XXXX has growing balance, late payments, and No Bill 's received. I see this as double dipping.

The list goes on and XXXX  fails to have the seven year deadline enforced, etc.. The person at these toll free numbers don't recognize account because too old : Neimans, Saks, etc., and can not help.

9. Note : when my wallet " stolen, '' I called it in, and new account numbers were issues with replacement cards, some of which are the multiple Capital One cards, and XXXX XXXX cards fall. Count II : over seven years. 

10. The same account can not appear twice : XXXX XXXX, charged off, wrote off and sold my account, profited by selling it to XXXX XXXX, XXXX, who increases my balance, treats the account as open, and states late. 
XXXX XXXX : over 7 years of Reporting. 

Law requires seven year reporting to Credir Bureaus. Immediate removals are required to All three : XXXX, XXXX  and XXXX.

XXXX is tremendously lower than other two. That should not be. Told huge pint increases, over 70 points, in some, yet the SCORES do NOT REFLECT THE INCREASE, as it should. I can not get an apartment because of this. 
I can't build credit because of this. Damages are accruing. 
Please review and require immediate correction.

Company response to consumer: Closed with non-monetary relief