vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 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: PA

Complaint narrative:
On XX/XX/XXXX I stayed at the XXXX XXXX in XXXX which I was supposed to stay several days they charged my card twice which was XXXX and XXXX I only wound up staying one day in which I asked for a refund for the difference and I disputed this transaction with Wells Fargo. they provided me with a provisional credit of the disputed amount. They told me pending the outcome I should be fine, It is now XX/XX/XXXX 4 months later they are stating the claim was denied they withdrew the credit now my account is negative {$1100.00} I called the bank back they claimed it was nothing they can do so all of my checks coming in will be taken in this covid times it is hard enough. I deserve a refund..any help will be appreciated.

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 2020-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: KY

Complaint narrative:
This VA loan originated with XXXX XXXX XXXX. 
Closing date ; XX/XX/2020 Disbursement date ; XX/XX/2020 1st payment date ; XX/XX/2020 Notice of servicing transfer to The Money Source on XX/XX/2020 noting that the transfer does not affect any of the terms or conditions of the original agreement. 
First statement account information includes my account number, property address, principal balance, maturity date, interest rate and escrow balance of {$1000.00}. 
XX/XX/2020 payment due $ XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  XX/XX/2020 SAME XX/XX/2020 SAME XX/XX/2020 SAME Found out escrow account debited on XX/XX/2020 for {$770.00} for a homeowners insurance policy that I payed in full for on XX/XX/2020. This was verified on 3-way phone conversation with myself, Customer service rep. and XXXX  XXXX  rep. 
XX/XX/2020 mailed pymt {$780.00} Found out escrow account disbursed {$660.00} on XX/XX/2020 without any explanation of who it went to, why, or any reason for this debit. It simply shows on my statement under transaction activity. 
XX/XX/2020 Mailed payment {$840.00} because I could'nt talk to any representative or supervisor to explain all these discrepencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2019 Amount {$950.00} Company XXXX XXXX  XXXX/33 Account number XXXX Asked this company to remove this off my report since this is not mine.

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 2020-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Georgia Student Finance Authority
State: NC

Complaint narrative:
Complaint is with Georgia Student Finance Authority. On XX/XX/2020, wrote a letter to this private student loan creditor to verify that this account belonged to me. Responded by sending a letter that stated Borrower Identification is missing. I wrote an letter on XX/XX/2020 asking them to remove this account from my credit report. They have not removed the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
My wife and I had a mortgage loan with XXXX XXXX ( XXXX  ), that was transferred to BSI Financial ( BSI ) for loan servicing in XX/XX/XXXX. Our home was destroyed during the XXXX XXXX on XX/XX/XXXX. In XXXX and XXXX, we received insurance proceeds from our insurance carrier to rebuild, and sent the funds to XXXX. XXXX paid for some of the repairs, but then sent the funds held in escrow for the remaining repairs to BSI once it became servicer. On XX/XX/XXXX, I requested that BSI pay our contractor, and have sent BSI all of the forms they required and all of the bills from our contractor, but BSI will still not send us a disbursement so the contractor can be paid. We are afraid that our contractor will walk off the project if he doesn't get paid. BSI keeps giving us the run around, such as claiming it needs documents I sent to it months ago, and ordering inspections, then cancelling them. BSI is also holding more funds than our loan balance, and will not send us the overage amount. BSI also failed to fully pay for the insurance on the home, causing the insurance company to send us a cancellation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TX

Complaint narrative:
The account is still showing negative information on my credit report as of XX/XX/2020. I have gone thru bankruptcy and dispute with the three major credit bureau and third party bureau. All my information has come back to verify. This is affecting me to move forward.

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 2020-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I have a co-signer on a student loan for over 10yrs Now and would like to be removed. XXXX  advised that you are the ones who decided. They declined the application to remove me as a co-signer. The loan is in good standing and the only reason why is because they co-signer was not on auto debit for the first 48 mo. I believe this practice is unfair and harming. The loan is in good standing and the signer ( XXXX XXXX ) is capable of making her own Payments and has good a credit standing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2020, I got approved for the Bank of America Travel Rewards credit card. There was a XXXX welcome bonus and the associate told me that I would get it. The conditions were to spend {$1000.00} in the first 90 days, which I did. I never got an email about my bonus and when I called multiple times, they gave me misleading information. One call center person said that I first had to earn {$25.00} in rewards to redeem my bonus. When I recently got to {$25.00} in rewards, I called them. They said they would open an investigation but I never heard back from them. I want my XXXX bonus since it was a big reason for getting this card. I am very upset.

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 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: AZ

Complaint narrative:
XX/XX/2020 - Americollect has been calling to collect an amount {$1300.00} owed to a medical Provider. I called my health insurance and the insurance reprocessed this bill and settled this with the Provider. 
XXXX XXXX I have verified with the Provider billing company that the Insurance has paid and this debt was resolved. I have asked the Provider billing company to inform Americollect about this and they assured me they will.

XX/XX/2020 - Americollect again has been calling to collect the same debt, now in the amount {$410.00}. 
XXXX XXXX I have spoken to a representative of Americollect and when I told her that I will verify this amount to the Provider, she vehemently told me that " I should NOT call the Provider because the account is now with them ''. She indicated with intimidation that the Provider will not handle this and I should only settle this amount with them. When I told her that I will nevertheless call the Provider, she hinted that this will be reported to credit agencies. 
XXXX XX/XX/2020 - I did call the Provider billing company and was told that this debt was resolved, with XXXX balance and that they will inform Americollect. 
XXXX XXXX - I called Americollect and spoke to a XXXX. She told me to prove to them that this was paid by giving them the check number of the insurance payment. When I ask her if there is a process for them to verify this with the Provider, their client, she said the burden of proof is on me.

Americollect is aggressively collecting medical debt thru intimidation and REFUSED to verify with their client the debt they are collecting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Hello, on XX/XX/2020 my account with Robinhood its investment company was compromised. The only way to get in touch with the company is through email. I had four stocks that were traded without my permission. I have done everything that the company has requested me to do and have not received any response. I would like to know, if you could please help me. The company email is Robinhood.com

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had two deferred interest promotional balances expiring on XX/XX/XXXX. 
I made a payment on XX/XX/XXXX. 
The first promotional balance was in the amount of {$190.00}. 
The second promotional balance was in the amount of {$57.00}. 
To cover this {$250.00} XXXX XXXX {$320.00} on XX/XX/XXXX. 
The payment was accepted. 

On XX/XX/XXXX, having now paid these promotional balances off, I began working on paying off additional promotional balances that expire on XX/XX/XXXX. To do this, I changed the payment allocation to the balances that had later expiration dates. 

On XXXX XXXX I checked my statement and saw that I was hit with a {$140.00} deferred interest fee for not paying off the two promotional balances that expired on XX/XX/XXXX. 

I called the Home Depot Credit Services and they said it was my fault for assuming that the balance was paid with the {$320.00}. They said I should have known that by changing the payment allocation 5 days after paying off my promotional balance, that any payments would be automatically redirected, and that the fee should remain. They said there was absolutely nothing they could do, but they could work out a deal if I paid off the whole balance that day over the phone. This struck me as an additional illegal practice.

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 2020-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
On XX/XX/2020, a mortgage company paid Bank of the West a {$200.00} subordination fee for our HELOC and even after calling and email, it never happened. Now trying to close the HELOC and unable to get a response from Bank of the West. Banks are only interested in opening accounts. This is not satisfactory.

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 2020-10-15 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: OneMain Finance Corporation
State: CA

Complaint narrative:
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: AZ

Complaint narrative:
First, I'm not sure of the routing number or the address as to where our accounts went. As you must be aware, US Bank has taken over all accounts from XXXX XXXX XXXX. My wife and I have several XXXX XXXX XXXX IRA 's. In the transfer US Bank states it will honor the interest rate until maturity but states that after next year they will impose a " maintenance fee '' for having the accounts. When we signed up with XXXX XXXX XXXX  it was because of the interest rate and the fact they had no fees. We believe the introduction of fees is against what we signed up for. We do not see how they can do this. In my phone conversation with a " regulator '' he stated I needed to wait until US Bank had officially taken over, which I believe was XX/XX/XXXX. 

On XX/XX/20 at XXXX with XXXX ( who hung up on me ) then XXXX who transferred me to 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 2020-10-15 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: NJ

Complaint narrative:
I have been calling direct express for 3 days and I. Being hung up on my info they tell about my transaction don't make sense. My atm withdraws are all odd numbers that u can't even XXXX that amount out from a atm ( XXXX ) i also ] had my stimulus takin in XXXX and the guy said I have more then one card on my account but won't help me I can't take anything out or use card every time I go to store it says invalid card use ... please help. The guy asked for my card number and said and I said no and he wouldn't help if I don't release my card number im very upset im definitely hacked. I can't access the direct express web site

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-15 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: TX

Complaint narrative:
The account is still showing negative information on my credit report as of XX/XX/2020. I have gone thru bankruptcy and dispute with the three major credit bureau and third party bureau. All my information has come back to verify. This is affecting me to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase closed my account because I work in Arizona and live in South Carolina. I went 2 hours to a Chase branch in XXXX GA and submitted the requested paperwork that have the deposit amounts and dates. 

I reached out to Chase and they said that they have reviewed the information. And that my funds would be released and sent to me in a check on XX/XX/XXXX and would be there 3-5 days. its XX/XX/XXXXand still no funds. I dont have access to any funds in the account. 

The executive office person who was handling the previous case, even said that in the letter that was sent that the funds should be released. I called Chase on XX/XX/XXXX and ALL of the reps that I spoke with talking about they dont see a request for those funds to be released. The person from the educative office only called me ONE TIME and on that call he was rude and only said we will have a resolution by mail but here we are XX/XX/XXXX and I dont have a resolution so either somebody is lying or Chase is fraud. I called the educative office 4 times and every time the person who is handling the case is 1. on another line 2. stepped out for a moment 3. on lunch 4. not even in the system those were all the excuses I got from the other executive office people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/20, I couldn't use my Key Bank Key2Benefits card for a debit transaction I had to use credit. I then tried logging onto my account to no avail, I was locked out. After numerous attempts of calling my bank and being placed on hold for over an hour I was able to speak with a representative I had to ask about recent transactions, as I was still locked out of my account, there was a {$500.00} transaction that I did not authorize so she cancelled my card and ordered me a new one, expedited overnight for {$12.00} ( that didn't show up for 4 days ), She started a fraud claim and issued me a number. I called again on Monday XX/XX/20, to check the status of the claim I was on hold for over an hour then transferred to the fraud department and placed on hold for over an hour and finally spoke to a rep. she couldn't find the original claim so she started a new one. Today is XX/XX/20, I have yet to hear from my bank nor have I seen my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have a Reliacard by US Bank from Colorado XXXX. I had my Vehicle broken into and They stole my phone and Luggage that caused Identity theft that i was unaware of until they had Spent over {$5000.00} on my Card thru XXXX. I immediatly notified ReliaCard customer service when i noticed funds missing. I ffaxed the paperwork to them XX/XX/XXXX as the rep told me to for the complaint. I gave them 2 weeks they asked for and never heard a Word so i call back XX/XX/XXXX and tell them unacceptable. They tell me looks like never recieved docs they needed w2-DL-mail. So i faxed them. I recieved provisional credit onto card and thought ok were getting somewhere ... NOPE my account is locked. I have now called daily and most recent weeks stats I put in over 42 hours on the phone including hold time. They say they cant release account only level XXXX can but noone will get me to level XXXX fraud or tell me how to reach them. They have become rude and still 2.5 months later I have no access. This has caused me to sleep on the streets. not eat and noone cares. I have uploaded every document to reliacard thru website multiple times XXXX XXXXhave faxed and emailed XXXX I am told this is escalated but nothing.. The call center sucks AND us bank should not put their name on a card if they cant help because i have made several visits to the loc al branch only to be told they are only the PLASTIC behind the card ... I CANT DO IT ANYMORE.. THEY GPOTTA BE STOPPED

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 2020-10-15 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.

Company response to consumer: Closed with explanation