vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was out of town in XX/XX/XXXX for my birthday only used my card to rent a car and at XXXX XXXX. Capital One sent an email to state that there was suspected fraud on my card which in fact it was. I live in XXXX was traveling in Virginia a supermarket in New Jersey tried to put through a charge for {$100.00} I let Capital One know the charge was fraud, they shut down my card credited the amount back I was just waiting for a new card. I had the new card number and tried to pay a bill but was declined when I knew I had the funds. contact the bank only to be told two different stories. The first is that the recent payment I made was on hold, then that the fraud credit was on hold. I reviewed me account to find out the merchant adjustment the charge on XX/XX/XXXX capital one sent me a letter date XX/XX/XXXX stating they were refunding my account to get it back to normal needless to say they are still holding my money. They have been made whole again I was told they have the right to hold the funds for up to 60 days BUT why when you have been made whole as a bank and are holding my funds for no apparent reason. If they want to investigate the merchant that fine, just remove me and my funds from the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
XXXX XXXX is reporting the last 3 months late. Im actually enrolled in a consolidation program that is making monthly payments to XXXX XXXX so there is no way this account is behind. XXXX XXXX XXXX has a late mark for XX/XX/XXXX. Not only is this over three years old, but I have been in college for the last 5 years and finally graduate next year with my XXXX in XXXX XXXX XXXX. This is incorrect as I have not been required to pay my student loans while still in college. XXXX XXXX XXXX, my Credit Card was stolden in XX/XX/XXXX and I was issured a new credit card. Somehow my credit card doubled in just late fees and became out of control. I tried to work with the company but they would not offer any financial assistance programs to lower my payments as I was willing and wanted to pay but just couldnt as it was made impossible by XXXX XXXX. I then set up XXXX XXXX in the XXXX XXXX XXXX XXXX as requested by XXXX XXXX we made a {$60.00} payment to be considered for this debt program so I could make lower monthly payments. However my XXXX bill reflects the {$60.00} payment, but was immediately turned over to a C/O when I already made arrangments to pay. I was not given any time to make this account right and have the hundreds of dollars in late fees removed so I could actually pay the credit card company the amount I charged. Now over half the bill is just charges, no actually charges were posted to this credit card after my replacement credit card in XX/XX/XXXX. 2nd XXXX XXXX XXXX XXXX, This account is currently enrolled in XXXX XXXX XXXX and has been paid every month on time. There is no late payments as XXXX XXXX agreed to be enrolled in the debt program and get monthly payments like XXXX Credit card. American Express account was closed in XX/XX/XXXX and charged off in a bankruptcy that is over 2 years old.  This doesnt not need to negatively impact my credit score or have any negative comments as this was not a neglected account. I was granted a bankruptcy by a judge which I paid for the bankruptcy so I wouldnt have late payments or a charge off reported. I tried to do the right thing with what I was able to do at the time. I just got this American Express card and my exhusband got ahold of my credit cards and maxed it out. Once I was divorced I filled for thousands of dollards in debt do to my 4 month marriage to a XXXX XXXX that took advantage of my perfect credit. I 'm still paying for that short mistake to this day. XXXX XXXX XXXX-XXXX DOCKET #, there is no benefit to any for this to be displayed on my credit report. It state date paid was XX/XX/XXXX. Please remove this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX XXXX is reporting the last 3 months late. Im actually enrolled in a consolidation program that is making monthly payments to XXXX XXXX so there is no way this account is behind. XXXX XXXX XXXX has a late mark for XX/XX/XXXX. Not only is this over three years old, but I have been in college for the last 5 years and finally graduate next year with my XXXX in XXXX XXXX XXXX. This is incorrect as I have not been required to pay my student loans while still in college. Capital One Bank, my Credit Card was stolden in XX/XX/XXXX and I was issured a new credit card. Somehow my credit card doubled in just late fees and became out of control. I tried to work with the company but they would not offer any financial assistance programs to lower my payments as I was willing and wanted to pay but just couldnt as it was made impossible by Capital one. I then set up Capital One in the XXXX XXXX XXXX XXXX as requested by Capital one we made a {$60.00} payment to be considered for this debt program so I could make lower monthly payments. However my XX/XX/XXXX bill reflects the {$60.00} payment, but was immediately turned over to a C/O when I already made arrangments to pay. I was not given any time to make this account right and have the hundreds of dollars in late fees removed so I could actually pay the credit card company the amount I charged. Now over half the bill is just charges, no actually charges were posted to this credit card after my replacement credit card in XX/XX/XXXX. 2nd Capital One Bank USA, This account is currently enrolled in XXXX XXXX XXXX and has been paid every month on time. There is no late payments as Capital One agreed to be enrolled in the debt program and get monthly payments like XXXX Credit card. XXXX XXXX account was closed in XX/XX/XXXX and charged off in a bankruptcy that is over 2 years old. This doesnt not need to negatively impact my credit score or have any negative comments as this  was not a neglected account. I was granted a bankruptcy by a judge which I paid for the bankruptcy so I wouldnt have late payments or a charge off reported. I tried to do the right thing with what I was able to do at the time. I just got this XXXX XXXX card and my exhusband got ahold of my credit cards and maxed it out. Once I was divorced I filled for thousands of dollards in debt do to my 4 month marriage to a XXXX XXXX that took advantage of my perfect credit. I 'm still paying for that short mistake to this day. XXXX XXXX XXXX-XXXX DOCKET #, there is no benefit to any for this to be displayed on my credit report. It state date paid was XX/XX/XXXX. Please remove this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: FL

Complaint narrative:
Equifax allegedly conducted an investigation into my balance with   XXXX   XXXX   XXXX   however, they are still reporting incorrect information.  In fact,   XXXX   XXXX   XXXX   provided documentation illustrating that the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Nationstar mortgage is my loan servicer and somehow has failed to make a 2016 property tax payment. I have an escrow established since the on set of my mortgage. Although I 've been told that this was taken care of this is the 2nd delinquent tax notice informing me that my property taxes have not been paid. As previously stated included in my mortgage payment is escrowed taxes and insurance.
I 've already accrued late charges of which I do n't believe that I should be responsible for as a result of this error. Please assist me in getting the attention I deserve. I do not want to loose my home as a result of delinquent property taxes when it is escrowed. This is the first time that this has happen but I am having difficulty reaching Nationstar and getting this resolved timely ( 2nd notice which means they did n't do anything to resolve this matter the first time they were given notice ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
On XXXX XXXX 2016, I made a affidavit of forged endorsement report with TCF Bank. My business account was compromised. There were seven checks that were endorsed ( fraudulently ) and signed by someone other than myself. The total dollar amount of checks that were honored and cashed by TCF bank was {$7900.00}.
After making a notarized fraud and police report. My bank indicated in writing that they would resolve this matter within 28 days of receiving all necessary documents to conduct their investigation. All necessary documents were received. TCF bank has acknowledged that they realize the checks were fraudulent. However, TCF bank has not refunded the money to my account as they previously stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN

Complaint narrative:
For over a year I have been paying kinum {$130.00} every month for medical expenses. They automatically draft a check each month that comes out of my checking account. I have a new job and did not have funds available this month. It was an oversight on my part. However, they called today and explained that if I did not pay immediately they would have me arrested for writing a bad check, and would also make the balance due in full. I have been paying faithfully for over a year. One mistake should not cause such an uproar. XXXX was very rude, and would not let me speak. Threatening me with jail time was the last straw.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: VA

Complaint narrative:
My credit is lower than expected. I have paid all my bills on time and for my credit score to be in the 500s is ridiculous How much credit i have should not impact my score that significantly when i pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase are illegally stopping customers from withdrawing their money. This is happening to hundreds of people ( on the Coinbase forum ).
As requested by Coinbase, in order to verify my bank account ( for withdrawing funds ), I sent a XXXX payment of XXXX euros on XXXX/XXXX/XXXX. I waited a long time for it to go in. It didnt go into my digital wallet, so I sent another one, which reached my wallet on XXXX/XXXX/XXXX. Each time being charged by my bank to send the payment. Coinbase have still not verified by bank account, so I ca n't withdraw money, even though it states 1-2 days after it enters the wallet. Ive contacted Coinbase numerous times but they are not responding to my support tickets, or XXXX messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I found out, on XXXX/XXXX/XXXX upon entering the bank because the my App on XXXX would not update and an account ( which a bank rep told me to close over 5 years ago because of costly fees for transfers to pay down my HELOC was costing too much money to transfer in fees?! ) There was an overdraft of {$8.00} on an account I thought the Fraud Department should have noticed as I never used because I thought the bank Representative closed it??? I was shown my account on the computer & I saw {$2300.00} ++ {$100.00} 's a day transferred into my checking account but suddenly It disappeared AGAIN which I NEVER SAW BEFORE THEN? I called mobile phone # & lady said, " ... the check was from a XXXX XXXX claim you made for water and sewage damage.. '' I did NOT make any such claim?! I sat in the XXXX XXXX 's office to see if they got any reports they settled on my behalf for which I received settlement check on XXXX XXXX or anything in XXXX!? ... after over an hour the lady saw NO such claim as I knew. I apparently have a hacker or something because there are many fraudulent charges i.e. I do NOT go to XXXX every on the day PLUS NEVER MORE THAN ONCE a day ( may be on a few occasions 2 times ) The hackr is still using my information and me stopped using my card except when absolutely necessary. I reported it to the XXXX police and the bank 's reps and fraud department and it has been since XXXX and ongoing ... The bank DID acknowledge and in XXXX refunded me {$78.00} but the rep who said he closed the account yelled at me ( causing the guard to check if I was OK ) because he said, " ... I hate myself sometimes ... '' I never gave my PIN # out and never give it away and it was not stolen. He DID cancel over 5 cards and purchases were even made while I was en route to the airport on XXXX XXXX, XXXX. I informed everyone that all I could think of that in XXXX, I trusted my daughter 's boyfriend to fix my crashed desktop and my daughter thought he could fix but after a week and alll my information up to his 56 '' screen when I brought it home it was still crashed?! Aso, someone stole ( more recently ) my XXXX XXXX, on XXXX XXXX, XXXX and I went to proper authorities for 2 bank accounts that somehow withdrew money from one account in excess of {$15000.00} it has been way too long to put it back in the bank. Am I ever going to get my {$18000.00} and {$5000.00} from separate banks -- back?! I have worked long and hard but I have been told I will never get it back ( by some business people ) ... I made the mistake of trusting the bank and not balancing my checking accounts as I once did and should never have let anyone have access to steal my phone - the hand is quicker than the eye- I learned!!! Please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I was charged an overdraft fee and I do n't understand why. There were some trial deposits sent by my other bank and taken out on the same day to create a link. This should not have caused an overdraft. Please refund the {$37.00} overdraft fee charged. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry. i even called them and there is no proper person to speak with and i end up getting ignored and agitated.

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 2017-08-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX in XXXX Michigan ran a credit inquiry on me without my permission. I noticed it on my credit report and contacted them. They were of NO assistance in the matter. I already have an open dialogue/dispute ongoing with the company about a fraudulent account they allowed to be opened in my name in XXXX of XXXX. The bill for that fraudulent account went into collections and still remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On X/X/17 we used XXXX which is a money transferring system offered by Wells Fargo. The amount of {$450.00} was sent to my sister in law that also has a Wells Fargo Account. The problem is that Wells Fargo sent it to a XXXX XXXX that according to them matched the email of the recipient. Because the transfer was done using the email they state that the account that was associated with that email was XXXX and not Wells Fargo. What makes things worst is that when she tried to retrieve the money she was told that she needed to open an account in order to collect her funds. At that point we called WF and were told that we had to contact XXXX. XXXX then said that WF made the mistake and that they are responsible to make the correction. After going back and forth with both banks on the phone we visited our local WF branch. After explaining the situation we were told that it is not a WF issue but a XXXX issue. After persisting with the branch manager they filed a claim to the " escalation team '' and that we should expect a call within 3 to 5 business days. On Wednesday we received a call from the rep that assisted us at the branch and relayed the information he received from the escalation team and that they are not sure if they can retrieve the money from XXXX and that the recipient should contact a XXXX branch " she already attempted that '' Once again we called Online customer care and after much explanation and over 1.5 hours being transferred we filed a complaint with the " resolutions team '' still nothing has been resolved. The funds are in limbo somewhere and WF states that it can take up to 10 business days for the investigation to be concluded. We feel this is abusive and un explainable on behalf of WF. We can not comprehend how they promote a service like XXXX but once a problem occurs they try to avoid responsibility for the mistake. After reading in the news the list of problems and complaints WF has been faced with lately, We wonder how they continue to get away with this kind of behavior. 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 monetary relief
Consumer complaint received 2017-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
PHH mortgage charged my credit card {$590.00} plus an additional {$1.00} service charge for an appraisal on my home for re-financing a mortgage. They said my credit card would be charged if they were unable to close on the re-fi. I never received a letter or phone call first to inform me, just a charge on my XXXX. The mortgage company solicited me with numerous phone calls to re-fi, and told me I would be saving several hundred dollars monthly. They also said I was pre-approved. The initial loan processor never walked me through the documentation, as promised, and papers had to be re-sent. A new loan processor was assigned. She was equally rude and evasive in our conversations. Finally, they asked for documentation of additional income to be guaranteed that it would continue for 3 years ; however, the income is XXXX XXXX deeded to me 35 years ago. I sent all tax documents for 3 years and told them there 's no guarantee that Royalties continue indefinitely, although I 've continued to receive them 35 years. This company has had many legal problems and is not endorsed by the BBB. XXXX reviews are all consistent with my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : CITI Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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