vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Happy holidays everyone, I am writing this note and complaint to warn all military and veterans not to use this company for nothing whatsoever. First of all, Ive always made all of my payments on time and yet they are saying that I had a payment returned two weeks ago when I fully have all the payments made without any returns from my bank account. 
I called today XX/XX/XXXX to let them know that they have not released my funds which has been deducted from my bank account, so the agent says that he needs to call my bank to verify. I said go ahead, we did the verification with my bank agent and they said yes the amount have been deducted from my account and that capital one should made my funds available, but yet the agent says that they can not release the funds until 7nto 10 business days. So I ask for a supervisor and when he got on the phone ( XXXX ), also told me that I had a returned check, so I asked him to prove it and yet he couldnt. Because I know I never had a returned check for no reason whatsoever to capital one and I am attaching the screenshots so you can see for yourself. He was like, I can not release the funds. 
So tell me people what kind of practice is this method by capital one, I also told them that I need the funds to be released because I am out of the country and I need to make some purchases because that is the only card I have in our possession and yet he was formed on his decision that no no he will not release the funds until the 7th to 10th days. And yet on the capital one application it clearly states that funds will be available the next business day, so what is going on capital one are you that big now that you have a green light to abuse customers. Just shame on you. 
I have more complaints which I have more proofs just because I dont have the time and health I said forget it but now this is too much. And yes capital one I have the proofs for everything. Lets go to court and see who will win.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Getting charged unnecessary late fees that the card issuer refuses to refund money on, because I was not getting my statements. Having unsavory treatment by customer service when I ask for details regarding my account including cycle ending dates ; being told I want to know everything about my account in a snide customer service conversation in or around XX/XX/XXXX by a man in a call center, it is my right to know about my account. My account credit limit was decreased below what the balance was. Also, recently as on XX/XX/XXXX I was not able to use my card for a very small purchase and I have credit on the account. Why am I not able to get my statements, learn of my account details and use my card without pushback. This is not the first time, as in or around XX/XX/XXXX or XX/XX/XXXX, my account was flagged unnecessarily, my account details for using cash advance option was hidden from me and the pin number I had was not properly reset, given to me and hidden from me knowingly by bad customer service reps to the point that I had to speak to a supervisor and I was asked in writing to keep using the card and given coupons. Why am I getting ill treatment? Please treat this account better and allow me to use it as I have credit on this account. Additionally, these accounts should take debit payments online -why is this option not available?! I had this account since XX/XX/XXXX and the XXXX  's rep did not inform me that she was processing a new account when I went to make a purchase and did not have my card on me. She closed my existing account in the process without my knowledge that I had since XX/XX/XXXX (! ) to open a new account so she could get the credit without informing me, when all she had to do was look up my existing account number in the system with the details I gave her! I was not informed that that XXXX 's was opening a new account and closing an existing account until I looked at my credit report -what a surprise! Please take the closed account off of my credit statement or transfer this account back to that one with the longer history. I was not informed of the opening of this new account and closing of the other -this was not fair treatment of a long-standing customer please correct this on my credit report! Please make this right! 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 2018-12-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Cap One is reporting on my credit report that I have no knowledge of. I have contacted this debt collector for proof that I owe this debt and they have repeatedly denied my request and have not provided proof. This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. If they can not provide a breakdown of fees including any collection costs and medical charges, provide a copy of my signature with the provider of service to release my medical information then I demand that they cease any credit bureau reporting until debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX {$420.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX ) ... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all  information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts were previously reporting on my Equifax report and now they are not. 

1 ) XXXX XXXX Acct # XXXX ( Authorized User ) 2 ) XXXX Acct # XXXX ( Authorized User ) I am in the process of purchasing a home and by these accounts not reporting ( it was removed and stopped reporting ) by Equifax it lowered my scores significantly. 

I am purchasing a home and need these accounts to go back to how it was and report on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX/XXXX is listed as a hard inquiry on my Credit Report, for which I have no knowledge of nor have I contracted with them. XXXX/XXXX  has not provided any contact or account information so that is verified or validated. On my credit report simply indicates " No contact information has been reported by this creditor. '' This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. If they can not provide a breakdown of fees including any collection costs and charges, provide a copy of my signature with the provider of service then I demand that they cease any credit bureau reporting until debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: NC

Complaint narrative:
Conns Home Plus has been contacting me for days and days at a time to collect on a debt that is owed to them. Yes I will say that my payment is late for the month. I have tried in the past to call Conns to let them know that my payment would be late so I would not get the calls and still ended up getting calls. So now when I am late it is no need to speak to them because they wont honor they agreement to stop calling. Now moving foward to the present time. The company is calling me from a number that is showing up as a XXXX XXXX instead of Conns or even with a name listed to get me to answer the phone. When I called the number back I told the person who answered the phone to stop calling this number less than 2 minutes later the phone rings again and it is someone else calling from the same company again from the same listed number. They will not leave me alone. I feel as if I am being harrased by this company and no matter what I do they will not leave me alone. Yes I am late on my payment but when I speak to them they still call the next day and the next day and I have to repeat the same thing that shouldve been notated in the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24 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: FL

Complaint narrative:
Experian sent me an alert via my Experian XXXX App stating that I have an account in the state of XXXX with XXXX XXXX XXXX that has been open and active since XXXX ( I  would have been XXXX years old at the time and living in XXXX  or XXXX ). 

I contacted XXXX XXXX XXXX Fraud Department and they performed an inquiry, which came back as showing I have ZERO financial relationship with any form of dba, XXXX  XXXX XXXX. Which is exactly what I expected. 

Concurrently, Experian ran an " investigation '', which came back as being confirmed by XXXX  XXXX XXXX that the account belongs to me. If that were even possible, that would mean that I've had another active ( monthly payments ) account in a state in which I've never resided for the past 29 years! 

This is completely absurd. And there is no way to get a hold of a live representative at Experian since everything is automated. And the " system '' apparently inputs bad data and spits out errant results.

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 2018-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Walmart MasterCard, through XXXX XXXX, put me on paperless billing on a 'trial basis ' for one month, without my permission or agreement and I was unable to find the place on their website to opt-out of the trial. When I missed my monthly payment date, they not only charged me interest, they also charged me a late fee. I always pay my account in full every month and having them do this without my permission was very very upsetting.

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 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to update my personal information ( address ) by mail. I have not received a response or any update.

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 2018-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CA

Complaint narrative:
I filed a dispute on XX/XX/XXXX for a fraudulent charge to my debit card. Key has sent me no documents and I've literally spent countless hours attempting to reach their dispute department, unsuccessfully. I have been blocked on multiple occasions from reaching this department and asking the direct questions I need answers to, asked by the police department. The XXXX police department has now also filed theft charges against me per the person committing fraud against me, XXXX XXXX request. She has been threatening me and harassing me by phone the entire month. You have done nothing to stop this or protect me. I've reported every incident to you. You have failed to document any of it. 

Key has failed to act on my behalf to protect me in the slightest, and document the FALSE CRIMINAL CHARGES ALLOWED TO BE FILED AGAINST ME AS A RESULT. The XXXX police officer XXXX filed case XXXX against me with the DA 's office. XXXX  PD number XXXX. 

I have been on hold today for almost two hours and the supervisor XXXX hung up in my face after taunting me in a belligerent manner for over 20 minutes. He refused to answer any direct questions and blamed the entire scenario on me, the victim, many times over now. I still have received no documentation regarding the dispute. 

The police asked me, and I still need answered, how much was charged to my card on XX/XX/XXXX? How did she wipe out my account to XXXX? What is the ACTUAL AMOUNT FRAUDULENTLY CHARGED TO MY ACCOUNT ON XX/XX/XXXX? I need to know the amount attempted. Not ACTUAL AMOUNT, BECAUSE OBVIOUSLY I KNOW THAT AMOUNT. 

WHAT WAS THE ACTUAL CHARGE ON XX/XX/XXXX? If it was ACTUALLY XXXX, Why did she know the exact amount left in mt account and take it without authorization?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone has been using my personal information to open bank accounts of current accounts and savings open fraudulent accounts = Wells fargo, XXXX XXXX XXXX XXXX  and XXXX XXXX .. I do not recognize these accounts please delete my information with these companies ..

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 2018-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX   against XXXX XXXX and XXXX XXXX, So far I have been fighting the bank and legal system and is getting nowhere, The Bank previous attorney XXXX XXXX in and around XX/XX/XXXX entered into a settlement agreement with the New York State Attorney General Office and paid a fine of {>= $1,000,000}.

My case is just a number for Judge XXXX XXXX XXXX and XXXX XXXX XXXX, No one wants to spend the time to review my case and as a result of this my house was sold back to the bank and I was served many notices to vacate the property on XX/XX/XXXX I kept hiring and paying attorneys and accountant to modify my loan, it was always rejected, my original loan was {$580000.00} and the bank sold it to themselves through the referee for {>= $1,000,000}, This is big business for the bank and Attorneys, no wonder they would not modify my loan.

The bank has been taking advantage over my situation and the courts have cut off my rights to defend myself. The Plaintiff never resolved my pending answer since XX/XX/XXXX and convinced the court that I never appeared.

I request that someone-one with a sound ethical standard review my case and stop this foreclosure process. I need to have a home to live in.

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 2018-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I have a XXXX XXXX Checking account. 

I had {$290.00} in it which I wanted to withdraw so I could close the account. So I set up a transfer to my XXXX XXXX  account for {$290.00}. 

Nothing happened. No confirmation and it didn't even show up in the recent activity. It also said there was an error with the transfer when i tried again so I instead used a check. 

I wrote a check to myself for {$290.00} and used the Mobile Deposit feature to get my funds. 

I received the {$290.00} in my XXXX account and called XXXX XXXX to close my account. 

When I called however, the woman speaking said she was unable to do so because I was overrated by {$290.00}. 

Confused by this, I look at my bank statement. The check went through perfectly fine but than the transfer went through the day after and it charged me {$36.00} in fees because I did not have enough funds. 

So I received a total of {$590.00} ( $ XXXX ) as a mistake. 

Eventually, XXXX XXXX took back the extra {$290.00} but still charged me the {$36.00} fee despite the fact that I received no confirmation that my transfer went through. 

If someone does not have enough money in their account, they're probably in a situation where they can not afford the {$36.00} and would rather have a " Transfer Declined '' instead. 

I had to pay the {$36.00} regardless and wrote a check, all because of an error on their behalf. 

They have made no efforts to right this and all I want is my {$36.00} back. 

I have screenshots showing I deposited the check first and THAN the transfer went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/XXXX I called into customer service at Bank of the West in inquire why my account was showing - {$27.00} on my mobile app. 

The associate advised me that I was not overdrawn and had {$10.00} in my account. I asked if she could reverse 1 overdraft fee as a courtesy and she explained that she could not because I have had 1 fee reversed in the last 12 months. 
I asked the associate to cancel my overdraft protection so this is no longer an issue and they said they would. 

I expressed great concern that I would be charged overdraft fees so again I asked if my account was overdrawn. She immediately replied that is was not and asked me if I wanted to speak with the online dept. to learn how to read my mobile app. As insulted as I was I explained that no further assistance would be needed and the call was disconnected. 

On XX/XX/XXXX ( next day ) I was assessed {$140.00} in overdraft fees and again on XX/XX/XXXX another {$35.00}. Assuming this was an error that would be cleared up by Monday I let it go. 

Monday XX/XX/XXXX I called into customer service again to express my concern and requested to speak with a manager. A manager named XXXX came to the line and heard my complaint. She stated that there were no notes from the associate I spoke with on XX/XX/XXXX and that she would have to listen to the call. I advised that I would hold while she did so however she then stated that her manager had to review the call. I asked to speak with this manager but was told that they were not available and would call back. I have been told this in the past with no follow up so I feel it is necessary to being this to the CFPBs attention.

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 2018-12-24 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: SC

Complaint narrative:
I am writing this complaint because Experian hasn't honored my request to properly investigate and remove inaccurate info on my credit report. I placed a fraud alert with them on XX/XX/XXXX and mailed in my dispute info. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
Please let me know if you need any other information from me to block this information from my credit report.

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 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Nine months ago on XX/XX/2018 I opened an XXXX XXXX Credit Card account and it is not showing up and my Equifax Credit Score report. I asked XXXX XXXX XXXX to fix this problem and they didnt.

Company response to consumer: Closed with explanation